Building a Home

Buying a Home

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.

5 easy steps to realising your project:

2

Find your plot of land

Once you find your plot of land it is advisable to seek advice from the local authorities in order to obtain planning permission.
1

Contact BNP Paribas
International Buyers

Discuss with your personal multilingual mortgage advisor whether BNP Paribas International Buyers can finance your project.
4

Submit 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.
3

Finalize 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.
5

Completion

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.
Mortgages are subject to acceptation by BNP Paribas Personal Finance. For all mortgages the borrower has a 10 day reflection period. If the sale is subject to mortgage acceptance any sums already paid must be reimbursed by the seller if the mortgage is declined. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Changes in the exchange rate may increase the Sterling equivalent of your debt.