The Lyon market and its financing
Mortgage in Charbonnières-les-Bains: land, council tax, stations and risks
Are you looking for a mortgage intermediary in Charbonnières-les-Bains? Housing, PLU-H, council tax, stations, risks: what the municipality changes.
In Charbonnières-les-Bains, the lender applies national credit rules. What the municipality changes is the property being financed and the cost of holding it: as many houses as apartments, land often constrained by the urban planning scheme and wooded areas, a municipal council tax rate among the lowest in the Métropole, two stations, and a stream covered by a flood prevention plan.
By Sandy MASCART, mandataire d'intermédiaire en opérations de banque et en services de paiement ORIAS 26000541 sous le mandat de CDV PATRIMOINE & ASSURANCE (ORIAS 14005573)
Key points
- Charbonnières-les-Bains has as many houses as apartments, and two out of three principal residences are owner-occupied.
- More than half of the territory is classified as an individual housing zone, and a fifth as classified wooded areas: the land must be read on the plan before the quote.
- In 2025, only two municipalities in the Lyon Métropole vote a municipal council tax rate lower than that of Charbonnières.
- The Charbonnières stream is the main tributary of the Yzeron: the municipality falls under the flood prevention plan for this river.
- Two stations are located in the municipality, on the lines towards Lyon Saint-Paul; yet nearly one household in two there owns at least two cars.
- My professional address is in Charbonnières-les-Bains; the appointment takes place at your home, via video conference or by telephone.
In Charbonnières-les-Bains, the loan follows national rules. What matters is the property: its land, its risks, its council tax. The rest is on the Lyon property market and the Western Lyon reference framework.
House or flat: what can you find to buy in Charbonnières-les-Bains?
Both, in equal measure. Two out of three main residences are owner-occupied.
A property to sell first? Set the duration of the bridge loan before the sale: the duration of a bridge loan.
Nearly a third of the dwellings date from 1971 to 1990, and the energy works vary considerably from one property to another. For the lender: the property valuation, a house with land in the Western Lyon area.
The land: read the local planning document before calculating
More than half of the municipality is designated for individual housing, and more than a quarter for natural and agricultural zones. Subdividing, extending, or demolishing is not straightforward.
The village centre, Avenue Louis-Momet, and the former thermal centre are protected. The lender finances only works that are permitted: open the plot on the official local planning document website, then include the works in the loan.
Flooding, slope, drought: the risks before the offer
The Charbonnières stream falls under the Yzeron flood prevention plan, the slopes are unstable, and four drought orders have been recorded.
Request the property's risk status and, following a recognised drought, the list of works remaining to be carried out. These items are included in the financing plan.
Is the council tax lighter in Charbonnières-les-Bains?
The rate, yes: one of the three lowest in the Métropole, unchanged from 2021 to 2025 according to the DGFiP.
A house on a large plot of land still incurs a high cost. Please request the seller's latest assessment: the DGFiP dataset, read the rate for your municipality. Please include it before testing an amount on the borrowing capacity simulator.
Two stations, but budget for a car
The Charbonnières-les-Bains and Flachères stations lead to Lyon Saint-Paul. Nevertheless, nearly one household in two has two cars.
By bus, lines 72, 86 and 98 lead to Gorge de Loup, and 105 to Pont Mouton. A car on credit weighs on your debt-to-income ratio: should you settle a car loan before buying.
New builds, in limited volume
Mainly along the route de Paris and near the town hall, with social housing in each programme.
Off-plan: VEFA and interim interest.
PTZ, fees, rents: like the rest of the West
| Subject | In Charbonnières-les-Bains | The detail |
|---|---|---|
| Zero-interest loan | Zone A: possible in new builds, not in existing properties with works | The PTZ in Zone A |
| Transfer duties | Rate voted by the Lyon Métropole, not by the municipality | The calculation of duties |
| Rents | No reference rent: in the Rhône department, it only applies in Lyon and Villeurbanne | The Lyon rent control |
- Arrêté applicable Arrêté du 23 juin 2026 modifiant l’arrêté du 1er août 2014 pris en application de l’article D. 304-1 du CCH
- Numéro NOR VLOL2614851A
- Publication au Journal officiel JORF n°0147 du 25 juin 2026, texte n°49
- Entrée en vigueur 2026-06-26
- Fichier officiel du zonage https://www.ecologie.gouv.fr/sites/default/files/documents/Liste_ensemble_communes_Zonage_ABC_en_vigueur_26_juin_2026.xlsx
Ligne de la commune 69044 dans le classeur officiel, retéléchargé le 1er octobre 2026. Un nouvel arrêté peut modifier ce classement.
- En vigueur depuis le
- Source
- Légifrance
Taux du tableau de la DGFiP hors premier achat d'une résidence principale, qui relève d'un autre taux sous conditions.
- En vigueur depuis le
- Source
- impots.gouv.fr
Tight or non-tight zone: the official sheet on rent control.
Are you looking for a mortgage intermediary in Charbonnières-les-Bains?
In common usage, the term refers to the person who submits a file to lenders. In the register of intermediaries, Sandy MASCART is not registered as an intermediary: under number 26000541, he is a representative of an intermediary in banking operations and payment services, a representative of CDV PATRIMOINE & ASSURANCE. His professional address is in Charbonnières-les-Bains.
Were you looking for an intermediary? What the representative status changes, for you.
I prepare your file and present it to the banks, at your home, via video call or by telephone. As a secondary activity, I am also a representative of an insurance intermediary. The documents · the fees.
Do you have a property in mind? Create your file or make an appointment by telephone, with the property listing and the property tax notice in hand.
Sources
- Insee — Commune de Charbonnières-les-Bains
- Insee — Dossier complet − Commune de Charbonnières-les-Bains (69044)
- Métropole de Lyon — PLU-H, C.1 Cahier communal de Charbonnières-les-Bains
- Métropole de Lyon — PLU-H, règlement C.3.2 Périmètres d'intérêt patrimonial, Charbonnières-les-Bains
- DDE du Rhône — Plan de prévention des risques naturels d'inondation (PPRNi) de l'Yzeron, règlement
- Géorisques — base GASPAR (archive gaspar.zip)
- Service-Public.fr — Diagnostic immobilier : état des risques
- Ministère de l'Économie — Fiscalité locale des particuliers
- SNCF Open Data — Gares de voyageurs
- Data Grand Lyon — arrêts du réseau TCL (tcl_sytral.tclarret)
- TCL — Bus 86, Gorge de Loup - La Tour de Salvagny Chambettes
- data.gouv.fr — Communes et inventaire SRU
- ecologie.gouv.fr — liste de l’ensemble des communes, zonage ABC en vigueur au 26 juin 2026 (classeur)
- impots.gouv.fr/sites/default/files/media/1_metier/3_partenaire/notaires/dmto/dmto_2026-06.pdf
- Service-Public.fr — En quoi consiste l'encadrement des loyers à respecter en zone tendue ?
Read next
- Mortgage in Lyon: one file, several banks
- Buying in the West of Lyon: what your budget buys, commune by commune Écully, Francheville, Craponne, Dardilly, Limonest and more: how to read completed-sale prices, and how to move from monthly instalment to floor area.
- Council Tax in the Lyon Metropolis: Reading Your Commune's Rate Council Tax in Lyon and the Metropolis: reading the notice (base, rate, waste collection) and finding the rate voted by your commune, year by year.
- Bridge loan in the western Lyon area: calculating the right term to request No sale period is published by municipality: the method to estimate yours in the western Lyon area, and to deduce a sustainable bridge loan term.
- Mortgage in Tassin-la-Demi-Lune: What changes for your application Are you looking for a mortgage intermediary in Tassin-la-Demi-Lune? Zero-interest loan in Zone A, transfer duties, council tax, flood risk.
All articles on this topic: The Lyon market and its financing
Passer au calcul : Borrowing capacity