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If you own a property in France and need cash quickly, you do not have to sell it. Two solutions exist. If you are a tax resident in France, a mortgage-backed loan lets you borrow up to 70% of your property value in eight to ten weeks, while keeping full ownership. If you are already selling your property, a deferred-price sale gives you an advance now rather than waiting for a buyer.
PraxiFinance, specialist in property-backed finance in France since 1990, handles both.
What you can obtain, and under what conditions
Mortgage-backed loan
You are eligible if you are a tax resident in France and live in France, your property is in metropolitan France and worth at least 300,000 euros, you want to borrow at least 100,000 euros up to 70% of the property value, your household income is at least 4,000 euros per month and at least three times the future monthly repayment, and the property is held in your own name rather than through an SCI.
Rate 5.7% per year, up to 25 years. Arrangement fee 8.5% of the amount borrowed. Funds released in eight to ten weeks.
Example. Property worth 300,000 euros, loan of 100,000 euros over 10 years. Monthly repayment 1,095 euros. Arrangement fee 8,500 euros, so you receive 91,500 euros.
Example. Property worth 1,000,000 euros, loan of 200,000 euros over 25 years. Monthly repayment 1,252 euros. Arrangement fee 17,000 euros, so you receive 183,000 euros.
Deferred-price sale
If you are selling your property, or intend to sell it, you receive an advance now and the balance when the property is resold. No income is assessed, and your country of residence is not an obstacle. The property must be worth at least 300,000 euros and be held in your own name. See the deferred-price sale simulator.
Why selling quickly destroys value
When time pressure rises, selling looks like the simplest path. But real estate markets reward patience.
A forced sale means discounted offers, weaker negotiating leverage, limited buyer competition, and decisions made under stress. Property is a long-term asset. Compressing its sale timeline can undermine years of appreciation.
If your property is already on the market and not moving, see what to do if your property is not selling in France.
What triggers an urgent need for cash
Liquidity pressure is not limited to financially fragile households. Owners facing temporary cash constraints are often otherwise stable and asset-rich. Urgency usually stems from timing, not from structural weakness.
Common triggers include a tax deadline, a capital gains adjustment, or cross-border fiscal exposure. Debt restructuring, where expensive short-term borrowing is replaced with structured financing. Inheritance settlements, where heirs need liquidity to equalise distributions without selling the family property. Divorce or family reorganisation. A time-sensitive business or investment opportunity, where missing it costs more than borrowing.
In each case, the problem is not the absence of wealth. It is the absence of accessible liquidity. See property rich but cash poor in France and get cash from property in France.
If your situation is more serious
If you are facing enforcement proceedings on your property, see how to stop foreclosure in France. If you are carrying debt secured on a French property, see debt on French property: what to do.
Acting early gives you more options. Once enforcement is under way, the room to manoeuvre narrows quickly.
How fast is fast?
Eight to ten weeks from first contact to release of funds, for both solutions. Speed depends largely on preparation. When the title deed, identity documents and mortgage statements are readily available, and the valuation is straightforward, the process moves efficiently.
Beware of offers promising immediate cash without analysis. Solutions that skip valuation and notarial review often conceal unfavourable terms. Every operation in France must be authenticated by a notary and registered in the land registry. That is what protects you. See safe equity release in France.
If you live abroad
If you are domiciled abroad, both fiscally and physically, borrowing against your French property is not available to you. French banks lend against French property to French tax residents. Foreign banks do not lend against foreign assets. No amount of documentation changes this.
There is, however, one solution built for exactly this situation.
If you are selling your French property, or intend to sell it, a deferred-price sale lets you receive an advance 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.
It is assessed on the property, not on your income. Your country of residence is not an obstacle. A deferred-price sale can also be structured on a property held through an SCI, unlike a mortgage-backed loan.
Eligibility: the property is in metropolitan France and worth at least 300,000 euros, held in your own name or through an SCI, and you are selling or intend to sell.
See non-resident mortgage in France and the deferred-price sale simulator.
Can I use a property held through an SCI?
Not for a mortgage-backed loan. Properties held through an SCI are eligible for a deferred-price sale.
About PraxiFinance
PraxiFinance has specialised exclusively in property-backed finance since 1990, with 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.
Call +33 1 85 09 70 40. Free assessment.
FAQ
Can I get cash quickly without selling my property?
Yes, if you are a tax resident in France, your property is worth at least 300,000 euros, and your household income is at least 4,000 euros per month. Funds are released in eight to ten weeks.
How much can I obtain?
Up to 70% of the property value, with a minimum of 100,000 euros.
What if my income is too low?
A mortgage-backed loan will not be granted. If you are selling your property, a deferred-price sale may apply, as it is assessed on the property rather than on income.
What is the fastest option?
Both take eight to ten weeks. The determining factor is how quickly your documents and valuation are available.
Should I sell my home if I need cash urgently?
Not necessarily. Selling under pressure reduces the price you obtain, and it is irreversible.
Can I use a property held through an SCI?
Not for a mortgage-backed loan. Properties held through an SCI cannot be used as security for this type of financing. A deferred-price sale, however, can be structured on a property held through an SCI. If your property is held this way and you are selling, this route remains open to you.
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