When considering mortgage guarantees in France, several options are available, each with distinct costs and conditions. One such option is the caution guarantee, where an organization acts as a guarantor to ensure the loan is repaid. Fees typically range from 0.8 to 2% of the loan amount, and in some cases, a portion of the fee may be returned. For example, with a 200,000 euro loan, the caution fees with Crédit Logement were 2,660 euros, but 1,429 euros was returned, resulting in a total cost of 1,231 euros, or 0.61% of the loan amount. Another option is the mortgage, which involves the seizure and resale of the property if the borrower defaults. This method includes notary and release fees, with costs generally ranging from 1.5 to 2% of the property price. For a 200,000 euro property, the total mortgage fees were 3,005 euros, or 1.5% of the property price, covering notary fees and taxes. The priority payment for the bank (PPD) allows the bank to be paid first if the property is seized. This option is not available for VEFA (Vente en l'État Futur d'Acquisition) purchases, which are agreements to buy property that is not yet built. PPD fees range from 0.5 to 1% of the property price. For a 200,000 euro property, the total PPD fees were 1,575 euros, or 0.79% of the property price, including notary and other fees. The pledge option involves providing a financial asset as collateral, which can result in lower costs compared to other guarantees. However, this method may come with restrictions on withdrawing the collateral. The exact cost varies by institution, but it generally involves a few hundred euros, making it a potentially more affordable option for some borrowers.