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Buying a home

Description Page Construction-Maison

If you dream of designing your own home in France, you can proceed in one of the following ways:

  • Via a construction contract known as a “Contrat de Construction de Maison Individuelle (CCMI)” if your project requires building a new property
  • Via a contract with a builder or an archictect known as a « marché de travaux », any project for renovation or extension works can also be included
For insurance purposes, it is important that the architect, builder or CCMI is fully qualified and registered in France. Please note that your project with a builder or a CCMI must be approved by BNP Paribas International Buyers.

 

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5 easy steps to realising your project:

1Contact BNP Paribas International Buyers

Discuss your project with your personal multilingual mortgage advisor and develop your financial plan together or find out exactly how much you can borrow using our quote request page . You will then receive a detailed quote based on the information that you have provided.

2Find the land, sign the sales agreement and choose your notary

As soon as you have found the land upon which you wish to construct a property, you will need to sign the sales agreement with the seller. Upon signature of the agreement, you have reserved that piece of land. It is best to check that you have a clause in the agreement specifying that the purchase of the land is subject to obtaining financing from a French lender, which would enable you to recuperate your deposit if your application is refused. You also benefit from a 10 day reflection period once having signed the agreement in case you change your mind.

3Finalize your construction project

As soon as you have found the right builder or architect, you can sign the construction contract and all the related paperwork. These documents will be necessary for your mortgage application.

4Submit your mortgage application

Return the completed mortgage application forms and supporting documents to your BNP Paribas International Buyers personal mortgage adviser. Once your application has been approved we will send you your mortgage offer and simultaneously send a copy to the notary. By law, you must wait at least 10 days before accepting the mortgage offer.

5Completion

In France, completion may take from six to twelve months from the moment you sign the construction contract to the moment you sign the final deed of sale.

Your notary will make a written request to BNP Paribas International Buyers for the first release of mortgage funds and we will in turn transfer the agreed amount to the notary. The rest of the mortgage funds will be released gradually as the construction of the property progresses.

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT. CHANGES IN THE EXCHANGE RATE MAY INCREASE THE STERLING EQUIVALENT OF YOUR DEBT.

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