When you’re considering getting a mortgage in France, it’s essential to understand how much you can borrow and what factors will influence that amount. French banks and mortgage lenders usually offer loans up to 85% of the property’s value, which is known as the loan-to-value (LTV) rate. However, the LTV rate is typically between 50% and 75% if you’re a non-EU national. For French citizens and permanent residents, there’s a possibility of borrowing up to 100% of the property’s value. In some cases, this may come with a requirement to deposit a certain percentage of that amount into a savings account with a French bank. Your income plays a significant role in determining the amount you can borrow. According to the legal requirements for French mortgages, your total monthly liabilities, including mortgages and insurance, should not exceed 35% of your gross monthly household income. Lenders consider various types of income, such as salaried income, business income, pensions income, existing rental income from other properties, dividends with a three-year track record (in some instances), and other regular investment income. If you’re self-employed or work as a freelancer, you’ll need to provide business statements as evidence of your income for the past three years. Most mortgage providers in France have a minimum loan amount they are willing to lend. Typically, this minimum falls between €50,000 and €100,000, although some lenders may set it higher. Non-EU nationals might also face higher minimum loan amounts.