Home Loans Home loan

Home loan — long-term fixed rate

For building where
life settles in.

From €50,000 to €1,500,000, over 7 to 25 years. Fixed APR from 1.45%. Monthly payment known in advance, fully contractual.

1.45 %

Min. fixed APR

€0

Brokerage fees

10 d

Statutory reflection period

Home loan simulator

Desired amount

Term

2 months400 months

Purpose (optional)

Monthly payment /month

APR Total cost of credit Total amount due

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Representative example. A loan is a binding commitment that must be repaid. Check your ability to repay before signing.

Why Calp

Four simple commitments, contractually upheld.

Contractual fixed APR

The rate set at signing does not change for the entire term of the loan, with no revision clause.

No brokerage fees

No intermediary fees. Origination fees are capped and disclosed in advance.

Decision within 72 hours

Documented preliminary decision within 72 business hours of receiving a complete application.

Flexible repayment

Early repayment indemnity capped at 3% of outstanding capital, excluding the year of subscription.

Detailed terms

The financed property,
the total cost known.

Minimum amount€50,000
Maximum amount€1,500,000
Minimum term84 months (7 years)
Maximum term300 months (25 years)
Supporting documentPreliminary sale agreement or sale promise
Origination feesVariable depending on application
Borrower insuranceMandatory (death and total disability)
Disbursement of fundsReleased by the notary
Early repaymentIndemnity capped at 3%
GuaranteeMortgage or surety

Indicative fixed APR scale

Excluding mandatory insurance. Updated 12 May 2026.

Borrowed amount	Term	APR
€100,000 — €200,000	15 years	1.75%
€100,000 — €200,000	20 years	1.95%
€200,000 — €400,000	20 years	1.85%
€200,000 — €400,000	25 years	2.05%
€400,000 — €800,000	20 years	1.80%
€800,000 — €1,500,000	25 years	2.10%

Representative example: for a home loan of €250,000 over 20 years at a fixed APR of 1.95%, you repay 240 monthly payments of €1,263.17. Total cost of credit: €53,161. Excluding insurance.

Why choose Calp for your home loan

Four commitments for a long-term project

A home loan binds you for 15, 20 or 25 years. It is probably the biggest financial decision of your life. Here is what changes when you finance it with Calp rather than with a comparison site or an online broker.

A contractual fixed APR, with no revision

The rate displayed at simulation is the one shown on the issued offer, then on the signed contract. No revision mechanism throughout the term of the loan. The complete amortisation schedule is provided with the offer — 240 or 300 lines, monthly payment by monthly payment.

A single point of contact, from application to disbursement

You are followed by a dedicated home loan adviser from your very first simulation. They prepare your offer, coordinate exchanges with your notary, and manage the release of funds. No transfer to an anonymous back-office service.

Combinable with public schemes

The Calp loan can be combined with the PTZ (interest-free loan), Action Logement loans, the employer 1% loan, the social home-ownership loan and regional loans. Our team helps you structure the most advantageous financing plan.

Adjustment and transfer included in the contract

Monthly payments adjustable up or down by up to 30% twice a year. Loan transfer to a new property within 24 months of resale, subject to review. Early repayment indemnity contractually capped at 3% of outstanding capital.

Eligibility conditions

Who can apply for a Calp home loan?

The Calp home loan is intended for individuals residing in the European Economic Area for financing a main residence, a second home or a buy-to-let investment. Each application is reviewed individually based on income stability, remaining disposable income and the value of the financed property.

Age at application18 to 70 years old at the final instalment
Tax residenceEU, EEA, Switzerland, United Kingdom
Minimum monthly net income€2,200 (single) / €3,000 (couple)
Recommended personal contribution10% of the purchase price excluding fees
Maximum debt-to-income ratio35% (HCSF standard)
Type of propertyNew, existing, off-plan, construction

Documents required for your application

Complete file to upload as PDF from the customer area. Preliminary decision within 72 business hours, offer issued within 10 days of approval.

Identity and family situation
Valid ID document for each co-borrower. Family record book, marriage or civil partnership contract where applicable. For non-EU nationals: residence permit.
Income for the last 3 months and previous 2 tax years
Payslips for the last 3 months, the two most recent tax assessments, employment contract. For self-employed applicants: the two most recent certified accounts and tax returns.
Supporting documents for the property project
Preliminary sale agreement or purchase promise signed before a notary, property description, habitable surface, mandatory diagnostics (energy performance, asbestos, lead, environmental risks). For off-plan: reservation contract and plan.
Financing plan
Details of personal contribution and proof of funds (savings statements, gift, inheritance), simulations for the interest-free loan and complementary loans, works quotes if renovation is included in the loan.
Asset and banking situation
Three most recent months of statements for all accounts (current and savings), amortisation schedules for current loans, life insurance contracts, wealth tax return where applicable.

Typical use cases

What is the Calp home loan used for?

A home loan finances much more than the purchase of your main residence. Here are the four most frequent project profiles observed at Calp in 2025, with their average amounts and terms.

Purchase of a main residence

First purchase or change of residence, new or existing, in a French or European municipality. Average amount €245,000, average term 22 years. Represents 62% of files approved in 2025.

Buy-to-let investment

Acquisition of a property intended for unfurnished or furnished rental, held directly or via a family property company. Pinel, Denormandie and LMNP schemes eligible depending on tax profile. Average amount €185,000, average term 20 years. 22% of files.

Second home or pied-à-terre

Country house, seaside apartment, urban pied-à-terre for professional activity. Average amount €165,000, average term 15 years. 9% of files.

Construction or major renovation

Off-plan, construction on acquired land, comprehensive energy renovation included in the loan. Progressive drawdowns aligned with works progress. Average amount €290,000, average term 23 years. 7% of files.

Frequently asked questions

Your questions, our answers.

What personal contribution is required?

A contribution of 10% of the purchase price is recommended to cover notary and guarantee fees. 100% financing remains possible depending on the borrower's profile.

Which properties are eligible?

Main or secondary residence, buy-to-let, new or existing. Construction and off-plan accepted on review.

What happens in case of resale?

The loan can be transferred to a new property within 24 months, subject to review. Early repayment indemnity capped at 3%.

What borrower insurance is required?

Death and total permanent disability cover is mandatory. Insurance delegation accepted provided guarantees are equivalent.

What is borrower insurance delegation?

Since the Lemoine law of 2022, you can terminate or replace your borrower insurance at any time, without fees. Calp accepts insurance delegation from the loan signing date, provided the external guarantees are at least equivalent (Death, total disability, work incapacity as a minimum). This substitution often allows savings of €5,000 to €15,000 over the total term of the loan.

What notary fees should I plan for?

For the purchase of an existing property, allow approximately 7 to 8% of the purchase price (registration duties, land publicity tax, notary emoluments). For new builds, fees are reduced to 2 to 3% (VAT paid by the developer, reduced duties). These fees are generally not financed by the standard home loan and must be covered by the personal contribution.

Can I buy before I have sold my current property?

Yes, via a bridging loan or our standalone bridging loan. You buy the new property before having sold the previous one, over a maximum term of 24 months. Repayment occurs on resale. The amount released represents 60 to 80% of the estimated value of the property for sale. Personalised review recommended to combine the main loan and the bridging loan.

A tailored review,
a response within 72 hours.

No intermediary broker, no hidden fees, no compulsory complementary product.

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For building where life settles in.