Euro loans

Loan terms in France

Not only do we have good relationships with several French lenders, but we also work with a French mortgage broker who can help you find options that meet your specific needs.
For example, you can finance your purchase with a loan that has a repayment term of 10–25 years, with the number of years available depending largely on your age. Today, it is not impossible to obtain a fixed interest rate of 3–3.5% for 20–25 years in France, provided that principal is also repaid. This is, incidentally, the most common method among French borrowers.

Loans without principal repayment, known as “in-fine” loans, are not very common and tend to have slightly higher interest rates. Many financial institutions do not allow loans without regular principal repayment.
Sometimes you’ll find loans with deferred principal repayment during the first few years. Naturally, your financial situation—as well as your health—will be thoroughly reviewed. Just like in Sweden, but even more thoroughly in France. Among other things, your income plays a major role in determining how much you can borrow. According to French mortgage regulations, your total monthly debt, including mortgage payments and insurance, should not exceed 35% of your monthly gross household income.

One drawback in France is that it takes significantly longer than in Sweden to receive a response to a loan application.
Quite often in France, lenders require you to supplement the collateral with life insurance, which costs up to about 0.5% of the loan amount. If you die or become seriously ill, these insurance policies can cover the loan costs.
A real-life example from October 2025: A 15-year amortization loan of 125,000 euros at a 3.45% interest rate resulted in a monthly cost, including insurance, of approximately 926 euros.
French interest payments are tax-deductible on Swedish tax returns.

October 2025