Carte T
The professional “Transaction sur immeubles et fonds de commerce” card (Carte T) is essential for conducting property transactions in France. Our directory helps you find Carte T holders authorised to support individuals and investors in property purchases, sales and investment projects under current regulations.
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Vos repèresWhat is the Carte T?
The Carte T, or professional property transaction card, is a mandatory authorisation to conduct transactions involving property and business goodwill. It is mainly held by estate agents, estate agencies and certain networks of representatives.
Issued by the Chambers of Commerce and Industry (CCI), it certifies that the holder meets the legal competence, good-repute and insurance requirements for practising in real estate.
The Carte T is governed by the Hoguet Act of 2 January 1970, which regulates real estate professions in France to protect consumers during property transactions.
The Carte T in figures
The Carte T (“ Property and business goodwill transactions ”) is the professional card required to conduct property transactions in France. As of 1 January 2025, the CCIs had issued 42 221 Cartes T, representing nearly 67 % of all real estate professional cards. The card is valid for 3 years and renewal requires compliance with an obligation to complete 42 hours of continuing professional development during this period. It is issued by Chambers of Commerce and Industry (CCI) under the Hoguet Act.
Which activities does a Carte T authorise?
The Carte T allows various property transaction activities on behalf of third parties.
The holder may in particular:
- sell property;
- find buyers;
- carry out purchases or exchanges;
- let property;
- conduct transactions involving business goodwill;
- sign sales or rental mandates.
However, day-to-day rental and property management require a specific Carte G, while condominium management falls under the Carte S.
How do you obtain a Carte T?
To obtain a Carte T, applicants must meet several regulatory conditions.
They must demonstrate:
- professional competence through a qualification or recognised experience;
- professional indemnity insurance;
- a financial guarantee when handling clients' funds;
- good repute compatible with the profession.
Applications are made to the territorially competent Chamber of Commerce and Industry.
How long is a Carte T valid?
A Carte T is valid for three years. Its holder must then renew it, demonstrating in particular compliance with continuing training requirements for property professionals.
Do property representatives need their own Carte T?
Independent property representatives generally do not need their own Carte T. They work under the responsibility of an agency or network holding the professional card, which issues them a collaborator certificate.
This arrangement allows many property advisers to practise legally without holding the professional card themselves.
Why is the Carte T important?
The Carte T provides customers with assurance of professionalism and competence. It confirms compliance with legal property transaction obligations and the insurance required for the activity.
For individuals, a Carte T is an essential element of trust when buying, selling or renting. For professionals, it is the legal basis for practising as an estate agent and conducting property transactions.