Are you sure it’s the deposit figure they want to see, and not a regular income figure?
It seems odd because under French law the amount the lender can lend you is based on your regular income, in that the monthly repayments cannot exceed a fixed proportion of your disposable income (“capacity to repay”). So they usually do need to study your bank statements in order to give an agreement in principle, but it’s not the amount in your bank they are looking at, it’s your monthy income.
They want to verify we have the funds to complete inc fees and deposit. That money ( and more ) is currently in a property being sold. As a mortgage broker in the UK, you accept the fact that although client can’t prove deposit at point of application, if it’s coming from equity that’s OK.
The bank (BNP) were saying we need to prove deposit ie sell the house and then get an AIP before we can make a full application?
Seemed very strange indeed!
I am sorry to confirm that the laws in France have recently changed and now you do indeed need to demonstrate that you have the funds for the deposit before you can get a mortgage. However, you may be able to get a less formal confirmation that states, given all conditions are met a mortgage would be provided. If you are looking to just solidify viewings not having this agreement in place should not be a barrier, although immobiliers (estate agents) do like to know that prospective clients are serious. If it is an issue further down the line such as at the offer stage, you may be able to get advice from a notaire if your immobilier cannot help.