Free · no sign-up · rules last checked 23 Oct 2026

Mortgage calculator France

The monthly payment is only part of the picture. Free mortgage calculator for France: monthly repayments, deposit and the cash you need on day one, including every buying cost and tax.

Costs on top of the price

€23,100

Older home ·

7.7% of the price

Notaire fees & taxes€22,500

Independent survey€600

Cash needed if you buy outright€323,100

Price

What do you want to work out?

Your monthly repayments, the deposit and the cash you need on day one.

Price

Deposit · 25%

Interest rate % (example)

Term (years)

Monthly repayment

€1,10225 years at 3.3%

Loan

€225,000

Deposit

€75,000

Total interest

€105,724

If rates rise 1%

€1,225

If rates rise 2%

€1,355

Cash needed on day one

€98,100

Example rate only, not a quote or mortgage advice. Rates change daily and depend on you; speak to a lender or a regulated mortgage broker. Your home may be repossessed if you do not keep up repayments on your mortgage.

Where are you buying?

Each country, with its own rules

Tap a country to load its taxes, regions and buyer types.

🇬🇧United KingdomStamp duty 0–12%🇺🇸United StatesClosing costs 2–5%🇪🇸SpainITP 6–13% or VAT 10%🇫🇷FranceNotaire 7–8%🇮🇹ItalyRegistration 2–9%🇵🇹PortugalIMT + 0.8% stamp 🇩🇪GermanyTransfer tax 3.5–6.5%🇮🇪IrelandStamp duty 1–6%🇳🇱NetherlandsTransfer tax 0–8%🇧🇪BelgiumRegistration 2–12.5%🇦🇹Austria3.5% + 1.1% registry 🇬🇷GreeceTransfer tax 3.09%🇨🇾CyprusTransfer fee 3–8%🇲🇹MaltaStamp duty 5%🇭🇷CroatiaTransfer tax 3%🇦🇪Dubai (UAE)DLD fee 4%🇦🇺AustraliaStamp duty by state 🇳🇿New ZealandNo stamp duty 🇨🇦CanadaLand transfer tax

Next steps

Get quotes · France

Buying in France: common questions

How much is notaire fees on €300,000 in France?

Older home: notaire fees come to about €22,500. All buying costs together come to about €23,100, or 7.7% of the price. Change the price or buyer type above to see your own figure.

Do foreign buyers pay more in France?

No. Foreign buyers pay the same purchase taxes as local buyers in France. Some rules on who can buy, or which rate applies, can still depend on where you live.

Can foreigners buy property in France?

No limits on foreign buyers, and the same taxes as French buyers.

What do I need to buy a home in France from abroad?

A notaire handles the sale and collects the taxes. A French bank account is usually expected.

When were these France rules last checked?

We last updated the figures on 14 Oct 2026 and checked them against official sources on 23 Oct 2026. We check every country every week, and show a warning if a check is overdue.