Purchasing property in France is often more straightforward than anticipated, yet grasping the true cost is crucial from the start.

Beyond the listed price, there are numerous additional elements to consider. When handled correctly, these costs can be optimized—particularly for new-build properties.

Here’s an in-depth breakdown of what to anticipate.

1. Understanding Notaire Fees (Closing Costs)

Notaire fees are frequently misunderstood. These fees encompass more than just “legal fees”—they include government taxes and administrative expenses.

Resale properties: generally 7–8% of the purchase price
New-build (VEFA): typically 2–3%This purchasesoffer a key financial advantage for new-build buyers.
Loan registration fees: Around 2% of the amount financed (only applies to Loans taken out with a Bank registered in France - ie if you can get an equity release loan in your home country, these fees will not apply)

2. Navigating Agency Fees

In France, agency fees are typically embedded in the advertised price (FAI – frais d’agence inclus).

Generally 4–5% of the purchase price
Often paid by the seller (and included in pricing)

Clarifying this upfront is essential, as it influences your overall budget.

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3. VAT Insights (and Reclaim Opportunities)

For new-build properties, a VAT of 20% is integrated into the purchase price.

However, under certain scenarios—especially with short-term rental activities—this VAT can be reclaimed.

This is a powerful, yet often overlooked, strategy for buyers in France.

4. Financing & Currency Factors to Consider

If utilizing financing, additional costs might encompass:

Mortgage arrangement fees
Valuation fees
Insurance (a common requirement by French lenders)

For international buyers, currency exchange rates also play a role. Even minor fluctuations can significantly influence the total cost of larger transactions.

5. Anticipating Ongoing Ownership Costs

Once a property is acquired, a few ongoing costs should be accounted for:

Taxe foncière (annual property tax)
Service charges (for apartments/managed residences)
Maintenance and upkeep

These costs vary based on property type and location.

Choosing Between Resale and New-Build: A Strategic Decision

While resale properties might seem simpler, new-build (VEFA) options frequently provide:

Reduced acquisition costs (lower notaire fees)
Enhanced energy efficiency
Developer guarantees
Potential VAT recovery
Optimized rental structuring

For many buyers—especially those with investment goals—this can substantially enhance overall returns.

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Final Takeaway

The real cost of buying property in France is more than just about percentages—it's about structuring the purchase right from the start.

With the right guidance, buyers can avoid unexpected surprises and unlock valuable efficiencies.

Considering a property purchase? Get a personalized breakdown based on your budget and objectives by contacting us directly or via WhatsApp.

Ready to Make Your French Property Purchase a Success?

Don’t navigate the complexities alone. Let our team of experts guide you every step of the way, ensuring a seamless and rewarding buying experience.

👉 Contact Us Today to schedule your consultation and turn your French property dreams into reality!

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Discover the Real Cost of Buying Property in France in 2026

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