By Charlotte GAUCHON
22 March 2025
A house, a flat. For most people in France, buying a property is often the project of a lifetime. It is almost always financed by taking out a bank loan. Given the financial stakes involved and the length of the commitment, legislators have gradually introduced a set of specific rules designed to protect borrowers. This complex and evolving legal framework needs to be fully understood before making any commitments. This article provides an introduction to the essential elements of French mortgage regulations. The scope of mortgage credit: who and what? The main source of current regulations on home loans is Ordinance no. 2016-351 of 25 March 2016, which transposed European Directive 2014/17/EU into French law. These provisions are now incorporated into Articles L.313-1 et seq. of the French Consumer Code. Which transactions are affected? The...
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