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The 35% Rule Is Only the First Mortgage Test
French Mortgage

The 35% Rule Is Only the First Mortgage Test

France's binding mortgage framework caps the standard debt-service ratio at 35% and the usual term at 25 years. A non-resident second-home application still succeeds or fails on income quality, liquidity and the bank's treatment of rent.

Selling an LMNP Ski Property After France's Tax Reset
Legal & Taxes

Selling an LMNP Ski Property After France's Tax Reset

Since 15 February 2025, depreciation deducted under the real LMNP regime is generally brought into the capital-gain calculation when a furnished property is sold. The rule can materially change the exit calculation for a rented French ski apartment, including one bought years before the reform.

20 Years in French Alps Property
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AIPP Full Member
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Specialists in Ski Property
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