---

name: french-property-investment description: Analyze French rental property investments with comprehensive financial modeling. Use when analyzing French properties, calculating mortgage payments, ROI, cash flow projections, or break-even analysis. Includes French-specific costs like arrangement fees (1%), registration fees (1.5%), survey fees (€750), and mandatory life insurance (0.4% annually). allowed-tools: Bash(python:*)

French Property Investment Analyzer

Analyze French rental property investments with detailed cash flow projections, ROI calculations, and break-even analysis.

Quick Start

The calculator runs via Python script with JSON input/output:

echo '{
  "propertyPrice": 300000,
  "downPayment": 60000,
  "interestRate": 3.5,
  "loanTermYears": 20,
  "monthlyRent": 1500,
  "holdingPeriodYears": 10
}' | python3 french_mortgage.py --json-input

Returns comprehensive JSON with mortgage details, yearly projections, and investment summary.

Required Parameters

Parameter	Description
propertyPrice	Property purchase price in EUR
downPayment	Down payment in EUR
interestRate	Annual interest rate (%)
loanTermYears	Loan term in years
monthlyRent	Monthly rental income in EUR
holdingPeriodYears	Investment holding period in years

Optional Parameters

See reference.md for complete parameter list including property tax, HOA fees, maintenance, management fees, vacancy rate, and rent increases.

French-Specific Costs

The calculator automatically includes:

• Arrangement Fee: 1% of loan amount
• Registration Fee: 1.5% of loan amount
• Survey Fee: €750 fixed
• Life Insurance: 0.4% annually (in monthly payment)

Common Use Cases

For detailed examples of comparing properties, sensitivity analysis, and handling complex scenarios, see examples.md.

Key Output Metrics

• Monthly Payment: Mortgage + life insurance
• ROI: (Net profit / Initial investment) × 100
• Cash-on-Cash Return: Annual cash flow / initial investment
• Break-Even Year: When cumulative cash flow becomes positive
• Equity Build-Up: Down payment + principal paid

How to Use with Claude

When the user mentions French property analysis, extract parameters from natural language and run the analysis.

Example user request:

"What's the ROI on a 300k property with 20% down, 3.5% interest, renting for 1500/month?"

Extract and run:

echo '{
  "propertyPrice": 300000,
  "downPayment": 60000,
  "interestRate": 3.5,
  "loanTermYears": 20,
  "monthlyRent": 1500,
  "holdingPeriodYears": 10
}' | python3 french_mortgage.py --json-input

Present the ROI, monthly payment, cash flow, and break-even year from the results.

Additional Resources

• reference.md - Complete API documentation
• examples.md - Usage examples and common scenarios