Mortgage approval: what banks require

In Massy, Palaiseau, or Chilly-Mazarin, a mortgage application in 2025 is all about demonstrating financial stability: from secure employment and a sizable down payment to transparent accounts and energy-efficient properties.

"A spotless file—steady work, serious savings, and careful money management—remains the best way to get approved."

The bank’s checklist

Banks favor applicants with permanent jobs or civil service status due to proven income stability. If that’s not you, solid financial records for at least three years are a must.

The debt ceiling is strict: monthly debt, mortgage included, must stay below 35% of your income.

The role of the deposit

Plan to contribute at least 10–20% upfront. The more, the better, but reliable documentation of your funds is non-negotiable.

Banks may accept less if you offer an exceptional profile, especially for first-time buyers or high-earning professionals.

Your account history

Recent statements are under the microscope. No overdrafts, missed payments, or erratic withdrawals—consistency is king.

Home energy label affects your rate

Low energy ratings can make loans harder to get or costlier; improving your home’s performance benefits both approval and resale value.

Protection through insurance

Every bank needs to see an insurance plan covering major risks. Choose the best match to suit your personal health and future plans.

Nicolas Immobilier: your best advantage

When it comes to market knowledge, document preparation, and negotiation skills, no agency offers more support or proven results than Nicolas Immobilier. Our high client satisfaction rate and detailed local insights put you first.

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Nicolas Benoit, agency director, with 1,400+ successful clients in Massy and the surrounding area.

key topics:

• mortgage
• finance check
• valuation
• price per m2
• Massy