Client Profile:
A 46-year-old German citizen employed by a European agency, recently relocated to France following a temporary international assignment.

Objective:
To acquire a family home in Fuveau (Bouches-du-Rhône, Department 13) as their main residence.

Key Challenges:
The primary hurdle was securing a lender who could fully understand and accommodate the unique employment and compensation circumstances of European agency workers. Specifically:

  • The client’s income structure included tax-free components due to European exemption rules.
  • The lender needed to factor in these exemptions while evaluating the client’s borrowing capacity and financial stability.

Property Details:

  • Location: Fuveau (13)
  • Purchase Price: €785,000

Financing Solution:

  • Loan Amount: €600,000
  • Type: Capital Repayment Loan
  • Term: 20 years
  • Interest Rate: Fixed at 3.75% for the entire term
  • Additional Benefits:
    • No early repayment penalties.
    • No financial collateral required.

Outcome:
A favorable financing package was secured, offering the client peace of mind with predictable repayment terms and flexibility. This bespoke solution reflects an in-depth understanding of expatriate-specific income profiles and the complexities of cross-border property acquisitions in France.

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