Buying a home in France: mortgage rates and costs
What a mortgage typically costs in France right now, how the central bank rate compares, and a worked monthly payment example you can adjust in our calculators.
Typical mortgage rate
3.1% – 3.7%
20-year fixed. France is dominated by long-dated fixed-rate mortgages.
As of 2025-11-28. Source
Example monthly payment in France
| Purchase price | €300,000 |
|---|---|
| Deposit (20%) | €60,000 |
| Loan amount | €240,000 |
| Interest rate | 3.4% · 20-year term |
| Estimated monthly payment | €1,380 |
Illustration only, using the midpoint of the typical rate range. It excludes taxes, insurance and fees. Adjust the figures in the mortgage calculator.