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Mortgages and loans


We offer competitive personal loans for all your purchases (car, electrical equipments, etc…).

We also offer competitive mortgages to purchase land, properties or to renovate an existing property.
The maximum duration is 25 years.
You will be asked to fill in a questionnaire in English, in order for your adviser to assess if you are eligible. You cannot borrow against your property. In France, banks will look at your incomes (not including the value of your properties) and your charges (existing loans, rent,
credit card balances…).
If your debt level is less than 33% then you may be eligible. The majority of our mortgages have a fixed rate. We can also offer flexible rate mortgages and bridging loans.
Once your mortgage file has been accepted by our mortgage department, the official offer will be sent to you.
You will have 11 days cooling-off period before signing and returning it.
The offer is valid for 30 days.


Working out your project

Whether buying a house in France, renovating your house or having a house built, Banque Populaire Occitane will guide you and help you finding the best loan.

There are certain specifics to property buying in France. In order to help with the formalities, the Banque Populaire has put together a Property guide (PDF file), so that you can have the following information at your fingertips: it will give you a basic understanding of the French house purchase procedure. We hope to give you practical advice and useful information which we think is essential to know when buying a property in France.











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