{"id":29398,"date":"2025-08-20T09:00:35","date_gmt":"2025-08-20T09:00:35","guid":{"rendered":"https:\/\/multicredit.ch\/?p=29398"},"modified":"2025-08-20T09:21:49","modified_gmt":"2025-08-20T09:21:49","slug":"home-loans-in-france","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/en\/home-loans-in-france\/","title":{"rendered":"Home loans in France"},"content":{"rendered":"\n<h1 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Premium_Private_Loan_France_for_Household_Staff\"><\/span>Premium Private Loan (France) for Household Staff<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Become_a_homeowner_in_France_or_renovate_without_limits_%E2%80%94_without_touching_your_investments\"><\/span>Become a homeowner in France or renovate without limits \u2014 without touching your investments<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Are you a head housekeeper, butler, estate manager, nanny, or personal assistant? Your stable income gives you access to <strong>MultiCredit\u2019s high-end private loan<\/strong> to <strong>buy in France<\/strong> (main home, second home, or buy-to-let) or to <strong>upgrade your current property<\/strong> into a prestige residence \u2014 <strong>without real-estate collateral<\/strong> and with <strong>swift timelines<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Why_choose_a_premium_private_loan_France\"><\/span>1) Why choose a premium private loan (France)?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Benefit \u2192 What it means for you<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Higher borrowing power<\/strong> \u2192 Borrow <strong>\u20ac50,000 to \u20ac400,000<\/strong> depending on your profile.<\/li>\n\n\n\n<li><strong>Tailored rates<\/strong> \u2192 Access to private-bank partners: <strong>fixed or variable<\/strong> priced to your risk profile.<\/li>\n\n\n\n<li><strong>No real-estate collateral<\/strong> \u2192 <strong>No mortgage<\/strong> on your property; your investment portfolio <strong>stays invested<\/strong>.<\/li>\n\n\n\n<li><strong>Fast disbursement<\/strong> \u2192 Funds wired <strong>as soon as the statutory withdrawal period ends<\/strong> (where applicable) after <strong>e-signature<\/strong>.<\/li>\n\n\n\n<li><strong>Flexible repayment<\/strong> \u2192 <strong>Early repayment<\/strong> options (premium terms, contract-dependent).<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Subject to approval, document review, and regulatory compliance.<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Buying_a_standout_property_in_France\"><\/span>2) Buying a standout property in France<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"a_Prime_areas_to_consider\"><\/span>a) Prime areas to consider<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Paris West &amp; Hauts-de-Seine<\/strong>: 7th, 8th, 16th, Neuilly, Boulogne, Saint-Cloud<\/li>\n\n\n\n<li><strong>French Riviera<\/strong>: Cap d\u2019Antibes, Cannes\/Croisette, Saint-Jean-Cap-Ferrat, Saint-Tropez<\/li>\n\n\n\n<li><strong>Provence &amp; Luberon<\/strong>: Gordes, M\u00e9nerbes, Aix-en-Provence<\/li>\n\n\n\n<li><strong>Arcachon Bay<\/strong>: Arcachon, <strong>Cap Ferret<\/strong><\/li>\n\n\n\n<li><strong>Basque Coast<\/strong>: Biarritz, Gu\u00e9thary, Saint-Jean-de-Luz<\/li>\n\n\n\n<li><strong>Alps &amp; Great Lakes<\/strong>: Annecy, Chamonix, Meg\u00e8ve, Courchevel<\/li>\n\n\n\n<li><strong>Bordeaux\/Lyon<\/strong>: heritage districts with strong fundamentals<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"b_Plan_your_acquisition_costs_rule_of_thumb\"><\/span>b) Plan your acquisition costs (rule of thumb)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Existing\/Resale property<\/strong>: about <strong>7\u20138%<\/strong> (transfer duties + notary + fees)<\/li>\n\n\n\n<li><strong>New\/Off-plan (VEFA)<\/strong>: about <strong>2\u20133%<\/strong> (excluding optional guarantees)<\/li>\n\n\n\n<li><strong>Possible extras<\/strong>: surveys, brokerage, furnishing, d\u00e9cor<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"c_Smart_use_cases_with_a_private_loan\"><\/span>c) Smart use cases with a private loan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Top up your down payment<\/strong> to secure an offer at asking price<\/li>\n\n\n\n<li><strong>Finance fees &amp; furnishing<\/strong> without extending your mortgage<\/li>\n\n\n\n<li><strong>Speed up completion<\/strong> (funding ready before the preliminary contract)<\/li>\n\n\n\n<li><strong>\u201cCash-buyer\u201d alternative<\/strong> on smaller tickets (studio, parking, leisure plot)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"d_Tax_pointers_to_discuss_with_your_advisers\"><\/span>d) Tax pointers to discuss with your advisers<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Main residence<\/strong>: interest is generally <strong>not tax-deductible<\/strong> in France<\/li>\n\n\n\n<li><strong>Buy-to-let (real regime)<\/strong>: <strong>interest can be deductible<\/strong> from <strong>rental income<\/strong> if the loan\u2019s use is <strong>fully traceable<\/strong><\/li>\n\n\n\n<li>Consider furniture depreciation (furnished lets) and <strong>separate bank flows<\/strong> for clarity<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Premium_renovations_prestige_extensions\"><\/span>3) Premium renovations &amp; prestige extensions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Boost value and comfort:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Energy performance<\/strong>: insulation, high-spec joinery, heat pump, solar \u2014 potential <strong>public incentives<\/strong> (eligibility to be checked)<\/li>\n\n\n\n<li><strong>Wellness &amp; leisure<\/strong>: spa\/sauna, gym, <strong>infinity pool<\/strong><\/li>\n\n\n\n<li><strong>Signature architecture<\/strong>: steel-and-glass atelier, curtain walls, green roofs<\/li>\n\n\n\n<li><strong>Passion spaces<\/strong>: <strong>climate-controlled<\/strong> car gallery, humidity-controlled wine cellar, artist\u2019s studio<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_MultiCredits_exclusive_advantages\"><\/span>4) MultiCredit\u2019s exclusive advantages<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>360\u00b0 wealth analysis<\/strong><br>We consider <strong>bonuses, 13th month, overtime, in-kind benefits (staff housing, car), investment income<\/strong>.<\/li>\n\n\n\n<li><strong>Priority Banking access<\/strong><br><strong>Private appointment<\/strong> (in person\/online) with a <strong>senior adviser<\/strong> dedicated to your case.<\/li>\n\n\n\n<li><strong>Premium borrower insurance<\/strong><br>Capital-death\/PTIA options tailored to high-income profiles.<\/li>\n\n\n\n<li><strong>Flexibility<\/strong><br><strong>Drawdowns in tranches<\/strong>, term adjustments, <strong>early repayments<\/strong> when a bonus comes in.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Eligibility_France_profile\"><\/span>5) Eligibility (France profile)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Net monthly income \u2265 \u20ac8,000\u2013\u20ac10,000<\/strong> (indicative; case-by-case review)<\/li>\n\n\n\n<li><strong>Permanent contract<\/strong> or <strong>long-term engagement<\/strong> within a private household\/estate (or equivalent stability)<\/li>\n\n\n\n<li><strong>Sound account conduct<\/strong>, <strong>no FICP\/FCC listing<\/strong><\/li>\n\n\n\n<li><strong>Debt-to-income after loan \u2264 35%<\/strong> to preserve savings capacity<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_A_simple_3-step_process\"><\/span>6) A simple 3-step process<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Step<\/th><th>Indicative timing<\/th><th>You<\/th><th>We<\/th><\/tr><\/thead><tbody><tr><td>1. <strong>VIP simulation<\/strong><\/td><td><strong>30 s<\/strong><\/td><td>Enter income &amp; desired amount<\/td><td>Provide an <strong>indicative rate<\/strong> &amp; envelope<\/td><\/tr><tr><td>2. <strong>Secure upload<\/strong><\/td><td><strong>&lt; 15 min<\/strong><\/td><td>Payslips, bonuses, <strong>tax notice<\/strong>, portfolio statement<\/td><td><strong>Express analysis<\/strong> &amp; compliance<\/td><\/tr><tr><td>3. <strong>E-signature<\/strong><\/td><td><strong>5 min<\/strong><\/td><td>Sign on your phone<\/td><td><strong>Wire the funds<\/strong> after the <strong>statutory cooling-off period<\/strong> (where applicable)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_Pro_tips_to_maximise_your_strengths\"><\/span>7) Pro tips to maximise your strengths<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Leverage variable pay<\/strong>: bonuses, 13th month, overtime, in-kind benefits<\/li>\n\n\n\n<li><strong>Show stability<\/strong>: include an <strong>employer reference letter<\/strong> from the household\/family<\/li>\n\n\n\n<li><strong>Strategic down payment (10\u201320%)<\/strong>: can <strong>shave 0.3\u20130.5 pts<\/strong> off pricing depending on profile<\/li>\n\n\n\n<li><strong>Don\u2019t liquidate strong positions<\/strong>: use the private loan to <strong>avoid taxable disinvestments<\/strong><\/li>\n\n\n\n<li><strong>Perfect traceability<\/strong> for <strong>rental projects<\/strong> (helps with French tax treatment)<\/li>\n\n\n\n<li><strong>Align timelines<\/strong>: notary date, contractors\u2019 quotes, permits and funding<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ready_to_make_it_happen_in_France\"><\/span>Ready to make it happen in France?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>From an apartment in <strong>Neuilly<\/strong> to a villa in <strong>Cannes<\/strong> or a character home in <strong>Gordes<\/strong>, <strong>MultiCredit<\/strong> turns your <strong>purchasing power<\/strong> into <strong>real estate freedom<\/strong> \u2014 with <strong>no compromise<\/strong> on your investments.<br><strong>Request your VIP simulation now.<\/strong><\/p>\n\n\n\n<p>\u2014<br><em>An article by <a href=\"https:\/\/ch.linkedin.com\/in\/m%C3%BCn%C3%BCr-aslan-credit-leasing-factoring\/en\" target=\"_blank\" rel=\"noopener\">Munur Aslan<\/a>, Managing Director \u2014 MultiCredit.<\/em><\/p>\n\n\n\n<iframe\u00a0 src=\"https:\/\/maps.google.com\/maps?q=Multicredit&#038;z=15&#038;output=embed\"\n\u00a0 width=\"600\"\n\u00a0 height=\"450\"\n\u00a0 style=\"border:0;\"\n\u00a0 loading=\"lazy\"\n\u00a0 allowfullscreen>\n<\/iframe>\n","protected":false},"excerpt":{"rendered":"<p>Premium Private Loan (France) for Household Staff Become a homeowner in France or renovate without limits \u2014 without touching your investments Are you a head housekeeper, butler, estate manager, nanny, or personal assistant? Your stable income gives you access to MultiCredit\u2019s high-end private loan to buy in France (main home, second home, or buy-to-let) or [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":28927,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[786,308],"tags":[],"class_list":["post-29398","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-en","category-real-estate-loan"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/29398","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/users\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/comments?post=29398"}],"version-history":[{"count":2,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/29398\/revisions"}],"predecessor-version":[{"id":29400,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/29398\/revisions\/29400"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media\/28927"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media?parent=29398"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=29398"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/tags?post=29398"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}