Here is a link to a very interesting article on the main reasons given by lenders for refusing a house purchase loan in France in 2020:

https://www.le-partenaire.fr/actualites/financieres/le-partenaire-analyse-les-causes-de-refus-de-pret-immobilier-en-2020

If you wish to borrow at the present time, we advise that you first study your circumstances in detail before proceeding with a purchase, preferably with professional assistance from a properly qualified lender, broker or financial adviser. You should also be very careful about how you proceed with submitting your application. It seems to us that there are three particular aspects that need to be treated very carefully at present:

"Summary of the main reasons for refusing loans in 2020 :

  • Insufficient income : 38% (+ 4 points in relation to 2019)
  • Unstable professional situation 32% (+ 6 points in relation to 2019)
  • Insufficient deposit 20% (+ 4 points in relation 2019)"

(Nota - the above in quotation was translated by ourselves from the French in the article itself).