While access to mortgage is constrained in France, mortgage credit is one of the rare levers still accessible to finance projects and transmissions.
After two years of sharp rise, rates stabilize under 4 %: a strong signal for individuals as well as for professionals.
Rates adapted to each need:
Real estate acquisition: 3.90 % over 25 years depreciable
Cash (90 % of requests): 4.65 % over 25 years depreciable
Example: an owner contracting a mortgage credit of € 100,000 over 25 years (to pay inheritance tax) at the rate of 4.65 % reimburses € 623 per month.
5 key facts to remember
When the bank says no, the mortgage says yes: without age limit, without health questionnaire, without changing bank and without contribution.
A powerful lever: from € 100,000, up to several million, guaranteed by real estate.
Concrete uses: succession, soul, donation, funding after 80 years, business cash, tax debt (all that traditional banks do not finance).
Flexible durations: up to 25 years in depreciation, and 10 years old in fine.
A booming market: 9 out of 10 requests concern cash, not covered by conventional banks (source: mortgage barometer T2 2025 praxifinance).
About praxifinance
Since 1990, Praxifinance has been a benchmark player in the monetization of real estate assets. Specialist in mortgage credit, remedy and alternative financing solutions, the group receives tens of thousands of owners in search of liquidity each year, whose projects or needs are refused by traditional banks.
