{"id":31428,"date":"2023-07-19T12:45:03","date_gmt":"2023-07-19T12:45:03","guid":{"rendered":"https:\/\/blog.lodgis.com\/?p=31428"},"modified":"2025-04-08T10:48:00","modified_gmt":"2025-04-08T10:48:00","slug":"buying-property-down-payment","status":"publish","type":"post","link":"https:\/\/blog.lodgis.com\/en\/buying-property-down-payment\/","title":{"rendered":"Buying Property: Prove Your Down Payment to the Bank"},"content":{"rendered":"<p>Buying property with a personal contribution : how to prove your down payment to the bank? In 2025, <strong>banks systematically require proof of the origin of your funds<\/strong> as part of anti-money laundering regulations. It\u2019s an essential step in reviewing your mortgage application.<\/p>\n<p>However, depending on where your contribution comes from (savings, gift, property sale&#8230;), the <strong>documents required may vary<\/strong>. Here\u2019s a complete guide to help you prepare a solid application.<\/p>\n<hr>\n<h2>Why do you need to prove your down payment?<\/h2>\n<p>Justifying the source of your contribution allows the bank to:<\/p>\n<ul>\n<li>Ensure the <strong>legality of the funds<\/strong> (traceability);<\/li>\n<li><strong>Secure the loan<\/strong> granted;<\/li>\n<li>Evaluate your <strong>overall financial health<\/strong>.<\/li>\n<\/ul>\n<p>Most banks expect a contribution of at least <strong>10% to 20% of the property&#8217;s price<\/strong>, particularly to cover notary fees and guarantees.<\/p>\n<hr>\n<h2>What documents should you provide depending on the origin of the funds?<\/h2>\n<h3>1. Contribution from personal savings<\/h3>\n<p>In most cases, the contribution comes from savings accounts. To justify it:<\/p>\n<ul>\n<li>Provide the <strong>last 3 account statements<\/strong> from relevant accounts (Livret A, LDD, CEL, PEL&#8230;);<\/li>\n<li>If applicable, a document proving the <a href=\"https:\/\/www.economie.gouv.fr\/particuliers\/PTZ-pret-taux-zero\" target=\"_blank\" rel=\"noopener\">release of PTZ<\/a> or other financial aid.<\/li>\n<\/ul>\n<h3>2. Contribution from a family donation<\/h3>\n<p>If a family member helps you, you\u2019ll need to provide:<\/p>\n<ul>\n<li>The <strong>bank statement<\/strong> showing the received transfer;<\/li>\n<li>A <strong>copy of the donor&#8217;s ID<\/strong>;<\/li>\n<li>A <strong>manual donation certificate<\/strong> (or notarial deed for large amounts).<\/li>\n<\/ul>\n<p>You can download the certificate from the tax website: <a href=\"https:\/\/www.impots.gouv.fr\/formulaire\/2735\/declaration-de-dons-manuels-et-de-sommes-dargent\" target=\"_blank\" rel=\"noopener\">form 2735<\/a>.<\/p>\n<h3>3. Contribution from a property sale<\/h3>\n<p>In this case, you\u2019ll need to provide: the signed <strong>pre-sale agreement<\/strong>, or a <strong>notarial certificate<\/strong> of the sale with proof of funds received.<\/p>\n<hr>\n<h2>Summary table of required documents<\/h2>\n<table border=\"1\" cellpadding=\"10\" cellspacing=\"0\">\n<thead>\n<tr>\n<th>Source of Funds<\/th>\n<th>Required Documents<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Personal savings<\/td>\n<td>Last 3 bank or savings account statements<\/td>\n<\/tr>\n<tr>\n<td>State-supported loans (PTZ, PEL, etc.)<\/td>\n<td>Notice or proof of funds release<\/td>\n<\/tr>\n<tr>\n<td>Family donation<\/td>\n<td>Bank statement + donor&#8217;s ID + manual donation certificate<\/td>\n<\/tr>\n<tr>\n<td>Property sale<\/td>\n<td>Pre-sale agreement or notarial certificate<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h2>Conclusion: Down Payment Proof When Buying Property<\/h2>\n<p>Justifying your personal contribution is <strong>essential to securing a mortgage<\/strong> in 2025. It allows the bank to verify the origin of your funds and assess your reliability. Preparing these documents in advance will speed up the application process and demonstrate your seriousness.<\/p>\n<p><strong>Tip:<\/strong> Combine all your documents into a single PDF to save time.<\/p>\n<hr>\n<p><strong>Looking for a place to live?<\/strong> Explore our selection of <a href=\"https:\/\/www.lodgis.com\/en\" target=\"_blank\" rel=\"noopener noreferrer\">furnished rentals<\/a> in France.<\/p>\n<p><strong>Looking for a home but don\u2019t have a permanent work contract?<\/strong> Don\u2019t worry \u2014 we explain how to rent with peace of mind in <a href=\"https:\/\/blog.lodgis.com\/louer-paris-sans-cdi-2025\/\" target=\"_blank\" rel=\"noopener\">our dedicated article<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Buying property with a personal contribution : how to prove your down payment to the bank? In 2025, banks systematically require proof of the origin of your funds as part of anti-money laundering regulations. It\u2019s an essential step in reviewing your mortgage application. However, depending on where your contribution comes from (savings, gift, property sale&#8230;), [&hellip;]<\/p>\n","protected":false},"author":41,"featured_media":31430,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[679,666],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Buying Property: Prove Your Down Payment to the Bank - Lodgis Blog<\/title>\n<meta name=\"description\" content=\"Buying Property: How to Justify Your Down Payment for a Mortgage in 2025. 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