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Tax risk on farm loans in France: what is it and how do you deal with it?
When death and disability insurance repays a farmer's business loans, the debt disappears but a taxable profit appears. How this tax risk works in France and how tax-risk insurance protects your family and partners.
Clément Bouthelier
Oct 67 min read


Fixed or variable rate? Or both? Everything you need to choose the right farm loan
Fixed, variable, capped or a mix of the two: how each type of rate works, what it costs, the early repayment rules in France and how to choose for your farm investment.
Clément Bouthelier
Oct 68 min read


Borrower insurance in France: more important than the interest rate?
Everyone compares interest rates, rarely borrower insurance — yet that is where banks differ most. Death, PTIA, disability and incapacity cover, costs, and your right to change insurer at any time under the Lemoine Act.
Clément Bouthelier
Oct 610 min read


Taking over or handing over a farm in France: steps, tax and aid
Handing over or taking over a farm in France: valuation, land and leases, timetable, tax points to watch and set-up and handover aid — updated for the 2025 agricultural orientation law.
benroudiere
Oct 611 min read


Farm finance broker in France: role, IOBSP status and services — complete guide 2026
What does a farm finance broker do in France, what is the IOBSP status and how are brokers paid? A complete guide to the role, with Agricourtage's approach.
benroudiere
Oct 66 min read


Bank security for farm loans in France: guarantees, mortgages, pledges and warrants
What security will a French bank ask for to finance your farm? Personal guarantees, mortgages, the special statutory mortgage, pledges, agricultural warrants and Dailly assignments — updated for the 2021 reform of security law.
Clément Bouthelier
Oct 69 min read


The scissor effect: why growing farms run into cash-flow strain
Your results are improving, yet your cash keeps getting tighter? You may be facing a scissor effect. How it works, why growing farms are exposed and how to counter it.
Clément Bouthelier
Oct 67 min read


Financing your farm set-up and accessing farmland in France: a path full of obstacles
Setting up in farming outside a family succession is a real challenge: hard-to-find land, hesitant sellers and demanding banks. Here is how a specialist broker can help.
benroudiere
Oct 62 min read


Farmland leasing schemes (portage foncier): the complete guide to financing your set-up in France
Buying a farm often means finding €500,000 to several million euros for the land alone. This guide explains how land leasing schemes (portage foncier) work in France, the three main models, how to access them and who the main operators are.
Clément Bouthelier
Oct 66 min read
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