France is one of the most open real estate markets in the world, and there are absolutely no restrictions preventing foreigners—whether EU citizens or non-EU nationals like Americans or Australians—from buying property. You do not need a residency permit or a French bank account to complete the purchase, although having a local account can make paying utility bills much easier later. The buying process is strictly regulated by a notaire, a government-appointed legal professional who ensures the title is clear and handles the transfer of funds. While buying a home is easy, it is important to remember that property ownership does not grant any special residency rights; non-EU citizens are still subject to the 90-day Schengen limit unless they apply for a long-stay visa. Additionally, foreigners should be prepared for higher "notaire fees" (closing costs), which typically range from 7% to 8% for older properties. In 2026, French banks remain willing to lend to foreign buyers, though they often require a larger down payment (typically 20% to 30%) and proof of stable international income compared to what they would ask of a local resident.