In my experience the banks are more interested in "is the project viable and will it pay back the sum borrowed" than a figure of x% of the capital. They will lend quite a high percentage if you can show how you will pay it back, especially if you qualify as an official "young farmer". This would involve a professional consultant drawing up a budget and quite a few other hoops being jumped through but it's well worth it for the extra subsidy and help you qualify for.Interested to here peoples experiences as a foreigner with French banks for borrowing to buy farms. If, for arguments sake, I put 250000 euro on deposit in a french bank would they be willing to lend to me for a farm purchase and what size loan would I be able to get? Are young farmers looked upon more favourably in terms of repayment terms?
I doubt if money on deposit would allow you to borrow a lot more as they would say you could withdraw it. The thinking would be "Why not borrow less in the first place?". Never looks bad to have a healthy balance though.