Frequently Asked Questions
Find answers to common questions about buying property on the French Riviera
Buying Process
I found a property myself. Can you help?
Yes. Send the link and tell us what attracted you and what you have already discussed. You can start before contacting the selling agent, after an exchange or after viewing. We agree actions, roles and terms through conversation. Next, identify what can be checked remotely before travelling.
What determines the time needed to buy property in France?
Timing depends on documents, finance, checks and signing. The contract sets the completion date; a listing alone cannot guarantee it. An eligible non-professional homebuyer has a 10-calendar-day withdrawal period calculated under notification rules. Next, identify the actions and commitments at each stage.
How much deposit do I need to pay?
The deposit amount, timing and recipient depend on the contract and agreed terms; 10% is not compulsory for every purchase. A deposit credited towards the price is not an additional cost. Confirm payment details and refund conditions with the notary, then check the full payment calendar.
What is the role of a buyer's agent (chasseur immobilier)?
We represent the buyer: discussing your needs, helping search and compare properties, coordinating checks with relevant specialists, negotiations and the parties to the purchase. You can start with a listing you found yourself. If you have already contacted the selling agent, the next step is to agree how we can continue that interaction.
What is the difference between compromis and acte de vente?
The compromis is a preliminary agreement setting the price, conditions and commitments. The acte authentique is the final notarised deed. The deposit and calendar depend on the agreement; withdrawal rights and financing conditions need separate checks. Before signing, understand what binds you and the conditions for completion.
Can foreigners buy property in France?
Foreign nationals and non-residents can buy property in France; the notary and bank check identity, legal circumstances and funds. Ownership does not automatically grant residence rights or tax residence. Credit requirements are a separate question. Next, establish financing and how to organise the purchase from your country.
What documents do I need to purchase property?
A link and a description of your situation are enough for the first conversation. Later, the notary and bank specify identity, family, address, financing and source-of-funds documents, plus company documents where relevant. The list depends on your profile. Next, agree remote preparation and secure document recipients.
Legal
Should I buy through an SCI or in my personal name?
The choice depends on owners, family goals, intended use and tax treatment. An SCI can organise shared ownership but adds costs and duties; a high price alone does not make it preferable. Furnished letting needs a separate tax review. Next, compare ownership options for your circumstances with the notary.
Costs & Taxes
How much are the annual charges and what do they include?
Request past charges for the apartment, the current budget and payment breakdown. Check heating, water, lift, staff and maintenance, then separate private bills and the works fund. The listing figure may be incomplete. Next, check major works being discussed or already approved.
How much is the taxe foncière?
Use the seller’s latest property tax notice, not a town average. Check the year and properties included; the future amount may change. Allocation between the parties in the year of sale is agreed separately. Then combine the tax with charges and works in the annual budget.
Are there any major works planned or already voted by the copropriété?
Discussion, a vote and a payment call are different stages. Request minutes, quotes, the apartment’s share and the payment schedule; check building arrears and disputes. Unknown amounts are not zero. Then assess the full budget and how the transaction allocates payments.
What are the notary fees when buying in France?
The acquisition costs paid through the notary include taxes, registration charges, procedural expenses and remuneration. The total depends on the property, department, date and transaction; one percentage does not fit every purchase. Request an itemised estimate, then add works and annual ownership costs to the full budget.
What taxes do property owners pay annually?
Start with the latest property tax (taxe foncière) notice. Other taxes depend on use and your circumstances: review second-home use, rental and possible real estate wealth tax (IFI) separately. Last year’s amount may change. Add building charges, insurance, servicing and works to establish the annual budget.
Financing
Can non-residents get a mortgage in France?
A lender may consider a non-resident application, assessing income, liabilities, currency, deposit and property. Being able to buy does not mean mortgage approval; a French employment contract is not a general condition of the purchase itself. Next, establish the available budget and financing conditions before committing.
Do I need a French bank account?
The need for a French account depends on the agreed payment route and bank requirements, especially with a mortgage. Agree the sending account, currency and acceptance conditions with the notary and bank in advance. A mortgage lender sets additional requirements; buying without a loan does not remove payment checks. Opening an account is not proof the transaction is ready. Next, coordinate transfer and signing dates.
Prices
How can I assess the price of an apartment in Nice?
Price depends on the address, condition, size, floor, outlook, access and building costs. A Nice-wide average does not value a particular apartment. Compare similar completed sales and property differences, including works. Next, establish which comparisons support the price of the listing you like.
Which area of the French Riviera is best for investment?
There is no universal best area. Define your purpose, holding period, permitted rental use and full budget, then compare properties and completed sales. A festival or new infrastructure alone does not establish a return. Next, check whether your intended use is permitted at the chosen address.
How should I compare Nice and Cannes for my purchase?
Compare the towns through your own routines: travel, work and school, seasons, parking, noise and services. Neither is best for everyone, and a recognised neighbourhood does not guarantee resale liquidity. After narrowing the area, compare two addresses and the condition of their buildings.
Is Monaco worth the premium price?
It depends on your lifestyle, budget and the specific property. Buying in Monaco, obtaining residence and determining tax status are separate decisions; there is no universal tax advantage for every buyer. Compare property costs and restrictions, then discuss applicable rules with a local notary and adviser.
Our Service
How much does your buyer's agent service cost?
In standard FAI transactions in France, you pay no extra buyer fee beyond the published listing price. We are remunerated via the existing agency fee included in the FAI price (when applicable). Notarial and registration costs are separate. If there is no agency fee to share (e.g., direct purchase from an owner) or if you request a standalone mission, we agree a separate fee in writing in advance. Next, agree cooperation with the selling agent, especially if you have already been in contact.
What does your buyer's agent service include?
We discuss your needs, help with the search or a property you found, comparisons and viewings, coordinate specialist checks, negotiations and the purchase through to key handover. The scope and terms are agreed beforehand. After purchase, the next question is who will look after the home between your visits; that support is agreed separately.
Can I pay for property with Bitcoin or cryptocurrency?
A purchase can be prepared using crypto capital: IMMO BTC’s working route is conversion into euros and completion through the notary. The provider, bank and notary apply their own checks, including source of funds; acceptance is not automatic. Start with a conversation, then establish the documents and payment route.
Do you have access to off-market properties?
Yes, when suitable properties are available through professional contacts. An off-market sale has limited advertising; that alone does not establish a good price or a sound property. Availability depends on location, segment and timing. Next, which search criteria are essential and which compromises could you accept? We will discuss them so public and discreet listings can be assessed on the same basis.
Can you help with property management after purchase?
Yes. We find specialists and regularly coordinate maintenance and contractors. Scope, pricing, expense approvals and reporting are agreed separately. Next, identify the inspections, access and actions your home needs between visits.
Lifestyle
What's the best time to visit for property viewing?
Visit when you can test your future routines: journeys, noise, sunlight and services. For a second home, seeing both your visiting season and a quieter period can help. The season alone does not promise a discount. Then compare specific addresses using the same criteria.
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