The **French Banking Federation** (FBF) is pushing for changes to how banks offer mortgages, aiming to give them more flexibility in determining loan terms. Currently, a strict rule requires that a borrower's monthly payments—covering the mortgage and insurance—cannot exceed 35% of their income. This regulation, introduced in 2022, also mandates that loans be structured over a 25-year period, with only a few exceptions. The FBF is not necessarily looking to remove the 35% cap but wants to make it non-binding, allowing banks to assess each borrower's unique financial situation and expenses. This shift could make it easier for wealthier individuals and investors to secure mortgages, but rising house prices could lead to high interest rates, or usury rates, once again limiting access to credit. In France, older individuals have specific rules regarding donations and inheritance. Those over 80 can still give significant amounts to their grandchildren without paying donation taxes, though a special exemption for family gifts—previously allowing up to 31,865 euros—no longer applies after this age. Instead, a general rule allows individuals to give up to 31,865 euros every 15 years without incurring taxes, as long as the donation is reported to tax authorities. Additionally, people can make "gifts of usage" on special occasions like birthdays or weddings, but the amount must be reasonable compared to the donor's overall financial situation. When it comes to real estate inheritance, a significant portion of those who inherit property already own a home. According to recent data, 63% of beneficiaries own at least one property before inheriting, with 36% owning a single property and 27% owning multiple. Inheritance typically happens at an average age of 54, but inherited homes are not always kept long-term. For example, nearly 30% of homes inherited in 2018 were sold within three years, suggesting that many beneficiaries choose to sell rather than retain the property.