Financing a property purchase
The 35 % debt burden cap binding on the lender and the flexibility margin few borrowers know is earmarked, the usury ceiling that is computed rather than decided, and the "notary's fees" of which the notary keeps 16 %. Three modules on a 260 000 € purchase. All the prose is free to read; the case study and quizzes are sold.
Foundational3 modules26 minModule 1 free to read
2026 rules — verified on September 8, 2026
Figures are tied to dated, sourced tax constants. A module whose rules have changed is flagged for review, and is unpublished automatically beyond 90 days.
This content is part of the path: Buying a home and financing the loan· Step 1 of 10· Next step: Funding with a zero-interest loan
By the end of this course, you can…
These outcomes are the modules' own: the promise cannot say anything the course does not teach.
- Remember the maximum debt burden and maximum maturity binding on the lender.
- Know what counts as borrowing charges and what counts as income.
- Place the flexibility margin left to banks and who it is reserved for.
- Identify the case allowing a maturity extended to twenty-seven years.
- Compute a maximum monthly payment from a net income.
- Tell the nominal rate from the annual percentage rate of charge.
- List what the annual percentage rate must compulsorily include.
- Understand how the usury ceiling is derived from the average rate.
- Place the usury ceilings applying by term and by kind of loan.
- Recognise the ceiling's part in a refusal of credit.
- Break acquisition costs down into duties, fees and disbursements.
- Remember the transfer duty rate on older property and the municipal share.
- Apply the notary's banded fee scale.
- Tell a purchase of older property from a purchase of new-build.
- Cost a whole operation, credit and acquisition costs together.
The programme, module by module
Each module has its own page. Durations are derived from the actual text, never announced by hand.
- Module 18 minFree — no account35 % of your income, and not a point moreWhat you will be able to do
- Remember the maximum debt burden and maximum maturity binding on the lender.
- Know what counts as borrowing charges and what counts as income.
- Place the flexibility margin left to banks and who it is reserved for.
- Identify the case allowing a maturity extended to twenty-seven years.
- Compute a maximum monthly payment from a net income.
- Module 29 minIncluded in the full courseThe advertised rate is not the rate of the loanWhat you will be able to do
- Tell the nominal rate from the annual percentage rate of charge.
- List what the annual percentage rate must compulsorily include.
- Understand how the usury ceiling is derived from the average rate.
- Place the usury ceilings applying by term and by kind of loan.
- Recognise the ceiling's part in a refusal of credit.
- Module 39 minIncluded in the full courseThe "notary's fees" of which the notary keeps 16 %What you will be able to do
- Break acquisition costs down into duties, fees and disbursements.
- Remember the transfer duty rate on older property and the municipal share.
- Apply the notary's banded fee scale.
- Tell a purchase of older property from a purchase of new-build.
- Cost a whole operation, credit and acquisition costs together.
What you take away
A handout you keep, not just a page you read. The sections are derived from the course itself: what is announced here is exactly what gets generated.
Participant handout (PDF)
PDF
- Learning objectives (3)
- Key figures (3)
- Mistakes to avoid (3)
- Official sources (3)
Exercise workbook (Word)
Word
- Learning objectives (3)
- Key figures (3)
- Mistakes to avoid (3)
- Official sources (3)
Answers live in a separate appendix: the participant handout and the workbook stay distributable before the exercise.
Or unlock everything with the pack at €29.00/month incl. VATCalculator reports, form documents and full courses, cancel any time.
Already purchased? Download your handouts
Where this course leads
A course that leads neither to a calculator nor to a form cannot be published: this block is the visible counterpart of that rule.
Run the numbers
The linked calculators apply this course's rules to your own figures — for free.
Educational content, current with the sources cited. It does not replace advice tailored to your situation. These courses are neither certifying nor CPF-eligible: they prepare for no certification registered with the French RNCP or specific register.