Sale with Deferred Price Simulator – Get Cash Now, Sell Later

If you are selling a French property, or intend to sell it, a deferred-price sale lets you receive part of the money now rather than waiting for a buyer. The property is sold to an investor at an agreed price below market value, and you receive the funds immediately. When the property is resold on the open market, you receive the difference between the resale price and the initial price, less the investor's fee. Every step is authenticated by a French notary.

This is the solution for owners who cannot obtain a mortgage-backed loan, in particular owners domiciled abroad.

Eligibility criteria

Unlike a mortgage-backed loan, this solution is assessed on the property, not on your income.
Your property is located in metropolitan France and is worth at least 300,000 euros.
The property may be held in your own name or through an SCI. Both are eligible.
You are selling, or intend to sell, and you need liquidity before the sale completes.

There is no income requirement. Your country of residence is not an obstacle. This is why the model suits owners who live abroad and cannot access French bank financing. See non-resident mortgage in France.

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How it works

The mechanism unfolds under notarial control.

An independent valuation establishes the current market value of the property.

You sign a notarial deed setting the upfront price and the terms of the deferred balance.

The upfront funds are released to your bank account from the notary's escrow. Any outstanding mortgage is repaid first, directly to your bank.

When the property is resold on the open market, you receive the deferred balance, after the notary settles standard closing costs.

Because this is a staged sale and not a loan, there is no interest and no monthly repayment.

This is a sale, not a loan

The most common misunderstanding. A deferred-price sale is not a form of equity release borrowing. There is no interest, no amortisation schedule and no monthly instalment. Settlement occurs at final resale.

That is precisely why income is not assessed and why residence abroad is not an obstacle. Where a loan is preferred and you are a French tax resident, compare with borrow against property in France and equity release in France.

When this model is useful

The deferred-price sale is designed for owners who cannot wait for a classic sale to complete. Typical situations include settling a tax liability, clearing an immediate obligation, bridging a delayed sale, funding a relocation on a fixed timeline, or releasing funds from a property that has been on the market for months without an offer.

See what to do if your property is not selling in France, need cash urgently in France and stop foreclosure in France.

Costs, timing and settlement

Costs include the valuation, notarial fees and a service fee. Every item is disclosed in the draft deed before signature. Typical timing runs from eight to ten weeks from eligibility check to release of funds.

At final resale, the notary first clears standard costs and any mortgage payoff, then transfers the deferred balance to you.

One point for non-resident sellers

If you are not resident in the European Union or the European Economic Area and you sell a French property above a certain value, French tax rules may require you to appoint an accredited tax representative. This applies to British owners since Brexit. It has a cost and it lengthens the timeline. Your notary will confirm whether it applies to your file.

This is exactly the kind of complexity our advisers handle routinely.

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Risks and safeguards

The main operational risk is timing. If the resale takes longer than expected, the deferred balance arrives later. The deed mitigates this by defining key dates and the order of settlement.

Because funds move through notarial escrow and the deed is recorded in the land registry, both the advance and the final balance are documented, auditable and enforceable.

Documentation required

Identity and address proofs, the title deed, and mortgage statements where applicable. If there are co-owners, all must consent and sign. A certified valuation is required to substantiate market value. The notary verifies the legal chain, registers the deed, and manages both disbursements.

About PraxiFinance

PraxiFinance has structured deferred-price transactions across France since 1990, for residents and non-residents, from its offices in Paris and Nice. The firm is registered with ORIAS under number 13005512 and operates within the regulatory framework of the ACPR.

It processes more than 4,000 financing requests per month and publishes the only recurring barometer of the French property-backed lending market. It is regularly cited as a market reference by Les Echos, La Tribune, Le Monde and BFM. See best equity release companies in France.

The approach is conservative and transparent. Every cost is disclosed before signature.

Call +33 1 85 09 70 40 to check whether your property qualifies.

FAQ

Is this a loan?

No. It is a staged sale. There is no interest and no monthly repayment. You receive an upfront price now and the deferred balance when the property is resold.

Can non-residents use this model?

Yes. French law applies to all properties located in France, regardless of nationality or residence. This is the main solution available to owners domiciled abroad.

Is my income assessed?

No. The decision is based on the property.

Is there a minimum property value?

Yes. 300,000 euros.

Can I use a property held through an SCI?

Properties held through an SCI are not eligible for a mortgage-backed loan. They are eligible for a deferred-price sale.

What happens to my existing mortgage?

It is repaid at the first settlement. The notary pays your bank directly before transferring your net proceeds.

How long does it take?

Eight to ten weeks from file opening to release of funds.