Achats & Ventes
Financing Caribbean Properties: French Mortgage Options for Non-Residents
How international expatriates and foreign buyers secure French euro mortgages: LTV limits, debt-to-income ratios, and life insurance guarantees.
Guadeloupe Immo International • February 19, 2026
French retail and private banks provide euro-denominated fixed-rate mortgages for prime Guadeloupe residential estates.
1. Standard Underwriting Criteria
- Loan-to-Value (LTV): Up to 70% to 80% for non-resident buyers with verifiable euro or dollar asset reserves.
- Debt-to-Income (DTI): Maximum 35% total monthly debt service including the new mortgage payment.
2. Borrower Life Insurance (Assurance Emprunteur)
Mandatory life and disability insurance protects the outstanding mortgage balance, often requiring simple medical questionnaires.