| | | | Whether looking for a Parisian pied-à-terre, planning a return to France after living abroad or considering a rental investment, many non-residents, both French expats and international buyers, are looking to purchase property in Paris. Maison Kyka has made this a strategic focus, firstly because its end-to-end support, from property acquisition to furnishing, naturally addresses the challenges of managing a project from a distance, and secondly because it is working with an increasing number of clients based overseas. Such a project requires careful planning, particularly with interest rates on the rise (averaging 3.56% over 15 years in November 2026, according to Pretto) and banks becoming more selective when lending to non-residents. Financing, taxation, renovation work managed remotely: an overview of the key steps, featuring the experiences of two clients. |
Chez Mada, 36m², Paris 15e ©oracle_paris |
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| | | | A 16 sqm Haven in Bonne-Nouvelle Chloë, a young professional based near Zurich, had long dreamed of having a pied-à-terre in Paris for her own visits and those of her loved ones. Maison Kyka guided her through every stage, from purchasing to furnishing a 16 sqm studio in the Bonne-Nouvelle district (Paris 2nd arrondissement), designed to feel like a mini hotel suite. After three viewings, two of which took place remotely, the preliminary sales agreement was signed in November 2025. Following three months of renovation work, the apartment was ready in June 2026, with a total budget of €230,000 (€190,000 for the purchase and €40,000 for the renovation, excluding Maison Kyka's fees and acquisition costs). "Once the renovation work got underway, I didn't have to worry about a thing," she explains. Her project manager took care of everything, right down to arranging the delivery of the internet router and mattress. "I honestly can't remember a single stressful moment during the renovation." |
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| | | | Chez Chloë, 16m², Paris 2e ©oracle_paris |
Chez Chloë, 16m², Paris 2e ©oracle_paris |
Chez Chloë, 16m², Paris 2e ©oracle_paris |
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| | | | The Financial Side of Things The first hurdle is securing a mortgage. Not all banks are willing to lend to non-residents, a decision driven more by commercial policy than by legal restrictions. Those that do generally require a deposit of 20 to 30%, compared with 10 to 15% for French residents, cap loan terms at 20 years and apply an interest rate premium of 0.2 to 0.5 percentage points. "Having a mortgage broker guide me through the process was essential. Despite having a good income, French banks are not particularly keen to lend money to someone who is not a French tax resident," says Chloë. If a French mortgage proves difficult to secure, other options include taking out a loan with a bank in the country of residence (with the associated exchange-rate risk), using financial assets as collateral, purchasing the property outright and taking out a loan afterwards, or setting up a family-owned property company (SCI). |
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| | | | Tax Considerations to Keep in Mind Rental income earned in France is taxable in France, even for non-residents. For 2025 income, the minimum tax rate is 20% on taxable net income up to €29,579, rising to 30% above that threshold, unless the taxpayer's average worldwide tax rate proves more favourable. For unfurnished rentals, social security contributions of 17.2% also apply, reduced to 7.5% for individuals affiliated with a social security system in the European Economic Area or Switzerland. |
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| | | | 3D rendering of the kitchen in Virginie's future apartment, designed by Maison Kyka's interior architecture studio. ©Maison Kyka |
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| | | | Having Someone on the Ground When it comes to the administrative process, the preliminary sales agreement can be signed electronically and, since November 2020, a notarised power of attorney can also be arranged remotely, allowing someone to represent the buyer when signing the final deed of sale. These steps can be fully delegated to a Maison Kyka property project manager who, in addition to sourcing properties, arranging viewings and handling the administrative follow-up, can also represent the client at signing appointments. The next stage is bringing the project to life. The design process takes place remotely, with a dedicated Maison Kyka interior architect who gives the project the same level of attention as an in-person consultation. Using detailed 3D plans, they develop a design tailored to the client's tastes, lifestyle and budget, while guiding them through the key decisions. Once work begins, a site manager oversees the quality of the workmanship, coordinates the contractors' schedules, ensures deadlines are met and manages the final handover of the fully completed property. |
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| | | | An Investment Project Based in Berlin, Virginie has been living abroad with her husband and their children for the past ten years. She considered Biarritz, Bordeaux and Paris before settling on the French capital for an investment project: a high-end apartment intended for corporate housing, catering to employees relocating for work. She had just one month to find the right property, with the entire project then to be managed remotely. Her search began in June 2026 and resulted in a preliminary sales agreement in July for a 42 sqm apartment in the Épinettes district (Paris 17th arrondissement). Completion is scheduled for March 2027, with a total budget of €535,086 (€440,000 for the purchase and €95,086 for renovation work, excluding fees and acquisition costs). "We viewed a few properties ourselves, but it was ultimately our property project manager who found the apartment," she explains. As for the signing, "she will be representing us there too." |
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| | | | 3D rendering of the living room in Virginie's future apartment, designed by Maison Kyka's interior architecture studio. ©Maison Kyka |
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| | | | About Maison Kyka Maison Kyka is a French company that supports private clients throughout their property projects in Paris, from property sourcing and acquisition to the complete transformation of their homes, including design, renovation management and interior styling. Through its high-end, bespoke, turnkey service, the Maison Kyka team brings each client's ideal interior to life, creating spaces that reflect their personality while striking the perfect balance between functionality and aesthetics. At the helm of Maison Kyka is a duo united by a shared vision. Founder Pierre Jasnin and Artistic Director Bertille Dobler share a passion for period properties and bold interiors. Together, they imagine, acquire and renovate spaces, initially creating them for themselves and then for those closest to them. Each project is driven by the same attention to detail, with every choice contributing to everyday comfort and well-being. It was from this founding experience that Maison Kyka was born in 2023: a company built on high standards, expertise and a genuine desire to support those who aspire to live in a home that truly reflects who they are. |
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