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Expertise & Advice
The reality of financing and wealth planning in the Paris property market.
The belief that buying without a down payment is impossible persists. Yet in 2026, the reality is more nuanced. While banks favor profiles with savings, some buyers still manage to structure full financing. In the high-end Paris real estate market, this approach is as much a matter of banking technique as it is of wealth strategy.
No legal rule requires a down payment. In theory, a bank can finance 100% of the project. In practice, it generally requires the buyer to cover additional costs:
For existing properties, these costs represent between 8% and 10% of the price. Some banks may nevertheless finance the full amount in specific cases.
Banking logic
Risk reduction and validation of the ability to save.
Enhanced analysis
In-depth review of the profile in the absence of a down payment.
"A down payment remains a security indicator, but it is not an absolute condition."
The down payment fulfills several key functions in the analysis:
Without a down payment, banks analyze professional stability, income and account management with precision.
Some profiles remain eligible:
In Paris, where prices frequently exceed €1 million, the down payment can represent several hundred thousand euros. Some buyers therefore choose to preserve their liquidity.
Several solutions exist:
Banks remain vigilant regarding:
A broker helps optimize the financing strategy, direct the buyer toward suitable banks and negotiate the conditions.
Fairway Advice
"Buying without a down payment is a strategic decision that must be part of a global, structured and supported wealth vision."
Author of the article
Victor Thiery
Fairway Luxury Real Estate · Paris 9th
Specialist in property acquisition in Paris, Victor supports buyers in understanding the market, structuring their project and securing their acquisition journey.
Fairway Luxury Real Estate
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