The Lyon market and its financing
Mortgage in the 5th arrondissement of Lyon: Vieux Lyon, the hill and the plateau
Are you looking for a mortgage intermediary in Lyon 5th? Old co-ownership properties, Vieux Lyon, the balmes of Fourvière, what the bank reads.
In the 5th arrondissement of Lyon, the mortgage follows national rules; it is the property that changes depending on the address. On the banks of the Saône, Vieux Lyon is a protected sector where external works require the approval of the Architect of Historic Monuments. On the hill, the balmes expose properties to ground movement. On the plateau, you mainly buy post-war co-ownership properties, far from the metro.
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
- The 5th arrondissement brings together three terrains: Vieux Lyon on the banks of the Saône, the hill of Fourvière and the plateau of Point du Jour and Ménival.
- More than nine in ten dwellings there are apartments, and approximately one in six dates from before 1919: you mainly buy in old co-ownership properties.
- In the protected sector of Vieux Lyon, works affecting the exterior of a building require the agreement of the Architect of Historic Monuments.
- The urban planning plan delimits areas exposed to ground movement, and the City of Lyon has projects in the balmes examined by a commission.
- Only one metro station, Vieux Lyon, two funiculars and Saint-Paul station: the plateau, for its part, is reached by bus.
- The municipal rate for council tax is that of Lyon, revised in 2023; rents there are capped by reference rents.
In the 5th arrondissement, the loan is the same everywhere, but the file is not: a building in the Vieux Lyon, a house in Fourvière, and an apartment in the Point du Jour are not financed in the same way. The context: the Lyon property market and prices by arrondissement.
Which neighbourhoods are meant when one says “Lyon 5th”?
Three areas: the Vieux Lyon on the banks of the Saône, the hill with Saint-Just and Saint-Irénée, and the plateau with the Point du Jour and Ménival.
Six heritage zones are protected there. Are you hesitating with a neighbouring municipality? See Sainte-Foy-lès-Lyon and Tassin-la-Demi-Lune.
An apartment, almost always
More than nine out of ten dwellings are apartments, six out of ten completed between 1946 and 1990.
Only one dwelling in two has its own parking space. Ask whether the lot includes one before fixing the price: if not, budget for a garage.
Buying in the Vieux Lyon: what does the protected sector change?
The regime for works: any external modification requires the approval of the Architect of Historic Monuments.
Even internal insulation requires authorisation. Three consequences:
- The schedule: allow for the review before the date of the deed.
- The quote: only the quote compliant with the authorisation enters the plan.
- The order: consult the architect before building the plan, the bank only finances what is authorised.
See the financing of works by the home loan.
Old co-ownership: read the minutes
The lender reviews the most recent general meetings, the calls for funds and the works approved: the expense that the price does not show.
Roof, façade, staircase weigh on your remaining income: the works approved before the purchase, the property valuation by the lender.
Slopes and gradients: can the land block a project?
A works project, yes; a purchase, rarely. On the hill, extension, pool or retaining wall go before the slopes commission.
Read the risk statement, provided at the first visit, before any offer.
Metro, funiculars, station: how do you reach the rest of Lyon?
From the Old Lyon, by line D, the two funiculars and Saint-Paul station. The plateau is reached by bus.
An additional car, on credit, enters your expenses before the loan.
Council tax, rents, zero-interest loan: what the 5th arrondissement shares with Lyon
Everything: the council tax rate of Lyon, the surcharge on secondary residences and the rent control.
The council tax by municipality · rent control in Lyon and Villeurbanne.
- 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 69123 du classeur officiel. Un nouvel arrêté peut modifier ce classement.
- En vigueur depuis le
- Source
- Légifrance
Hors premier achat d'une résidence principale, qui relève d'un autre taux sous conditions.
- En vigueur depuis le
- Source
- impots.gouv.fr
The zero-interest loan in zone A · West Lyon or Lyon 5th and 9th arrondissements.
Are you looking for a mortgage intermediary in the 5th arrondissement of Lyon?
The term is commonly used, but it refers to a status that Sandy MASCART does not hold. Registered with the ORIAS register under number 26000541, I act as a mandated intermediary in banking operations and payment services, on behalf of CDV PATRIMOINE & ASSURANCE.
Were you looking for a mortgage intermediary? What the status of mandated intermediary changes, for you.
From Charbonnières-les-Bains, I prepare your file and present it to the banks. The documents · the fees.
Have you spotted an apartment? Create your file or discuss it by telephone, with the minutes in hand.
Sources
- Insee — /fr/statistiques/2011101
- pluh.grandlyon.com/data/communes/LYON5E/pdf/LYON5E-CAH_COMM.pdf
- pluh.grandlyon.com/data/communes/LYON5E/pdf/LYON5E-PIP.pdf
- pluh.grandlyon.com/data/pdf_generaux/REGLE.pdf
- lyon.fr/lieu/services-ville-de-lyon/service-constructions-et-balmes
- culture.gouv.fr/fr/thematiques/monuments-sites/interventions-demarches/travaux-sur-un-objet-un-immeuble-un-espace/realiser-des-travaux-dans-un-site-patrimonial-remarquable
- culture.gouv.fr/thematiques/monuments-sites/interventions-demarches/proteger-un-objet-un-immeuble-un-espace/proteger-au-titre-des-sites-patrimoniaux-remarquables
- Géorisques — base GASPAR (archive gaspar.zip)
- Service-Public.fr — /particuliers/vosdroits/F12239
- Service-Public.fr — /particuliers/vosdroits/F1314
- ecologie.gouv.fr — liste de l’ensemble des communes, zonage ABC en vigueur au 26 juin 2026 (classeur)
- Ministère de l'Économie — Fiscalité locale des particuliers
- SNCF Open Data — Gares de voyageurs
- Data Grand Lyon — arrêts du réseau TCL (tcl_sytral.tclarret)
Read next
- Mortgage in Lyon: one file, several banks
- West Lyon or Lyon 5th and 9th Arrondissements: The Trade-off at Equal Monthly Instalments West Lyon or Lyon 5th-9th? Compare at equal instalments: the four-step method, the costs listings omit, and the cases where the west loses.
- Works voted on in a co-ownership before your purchase: who pays, and on what date Works voted on before the sale of an apartment: what the 1967 decree places on the seller or the buyer, and what the preliminary sale agreement can change.
- Price per square metre by district in Lyon: where to read the medians, and what your budget buys Price per square metre in Lyon: where to read the median of actual sales in each district, the caveats involved, and the floor area your budget can purchase.
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