Living in France

Buying a house in France

Buying a house in France need not be a daunting task.

Here is a simple guide to buying a house in France.

 

In France there are 3 different ways to buy a property. You can buy a house:

  • through an estate agent (agent immobilier),
  • through a notaire
  • or direct from the vendors.

 

Buying a house using a French estate agent:

Buying a house in France from an estate agent is the most popular way. The agent will show you around some properties and once you have found your dream home and your offer has been accepted, the agent will guide you through till completion.

They will draft the preliminary contract (compromis de vente).

French estate agents window

There are no government controls on French estate agents’ fees. They usually charge between 5 to 10% of the

net price of the property. The cheaper the house is the higher their fee is and vice versa, the higher the price is, the lower their fee will be.

Fees are usually paid by the buyer. It is added to the ‘net vendor’ price. FAI means the “Frais d’Agence Inclus” = estate agent’s fees included.

However, it slowly becoming more common for the vendor to pay the commission, but this usually only results in the fees being added to the asking price!

 

 

Buying a house using a French notaire:

A Notairenotaire france is also a property negotiator. His/her negotiation fees (lower than French estate agent’s fee) are added to the purchase costs.

He / she will draw up the preliminary contract (compromis de vente) and the final deeds of sale (acte de vente) once your offer has been accepted.

 

 

 

Buying a house straight from vendor:

Once you have agreed on a price with the vendors, you will need to appoint a notaire. He/she will draw up the preliminary contract and the final deeds of sale. You can have your own notaire or use the one chosen by the vendors as a notaire is impartial and act on behalf of both parties.

 

 

In any of the 3 cases, you will then need to pay a deposit of between 5 to 10% of the value of the property when you sign the preliminary contract. You will have a 10 day cooling off period so if you decide to pull out, you will get 100% of funds already transferred. You will receive a copy of surveys. Surveys are there for your information only as you buy a property in France “as seen”.

Legal fees – often called frais de notaire in French – are about 8% of the value of the French property. They include stamp duty, registration fees and the notaire’s fees.

The time frame after signing the compromis is about 10 to 12 weeks. You will then visit the notaire to sign the final deeds of sale (Acte Authentique). A week before, you will have to transfer the final funds into the notaire’s account.  The appointment will last a good hour!

At the end of the signing you will receive the keys. You will be able to go back to your new house and celebrate with a glass of lovely French Champagne.

 

My advice when buying a house in France:

Employ an interpreter. You need to understand what you are signing and agreeing to. Your estate agent might be bilingual but it is best to employ an independent and impartial person to assist you with the transaction. The “Compromis de vente”, “Acte de vente”, “Servitudes”, “droit d’échelle”, and all the “Diagnostics techniques”, etc are all part of the procedure. If these words are Chinese to you, please seek assistance as it can cost you money later!

 

Use a foreign exchange company when transferring funds overseas. You will save money! I recommend this company here.

 

Please don’t hesitate to contact me here if you require further assistance with buying a house in France.

I am a French National and I am bilingual; I established Anglo French Communication in 2004 to provide my customers with an efficient, professional and friendly translation and relocation service. Since then I have built up a sizable client base throughout France and around the world.

 

 

Fed up with nuisance telephone calls?

Sick of being disturbed by unwanted advertising calls?

See how you can block those unwanted calls…

If you live in France and receive unwanted telephone calls on a regular basis, you can register for free to block them.

blocking unwanted calls

Here is a step by step explanation in English to put your name down on this safe government registered web site:

Follow this link:

http://www.bloctel.gouv.fr/

then click on

« Vous êtes un consommateur ».

Click on « Inscription »

Click on « démarrez votre inscription »

Enter your email address twice

Create a password then confirm the password

Click on Monsieur or Madame

Enter your surname, then first name, your phone numbers (land line then mobile)

Please note you can only enter French phone numbers.

Your address

Then the phone number you wish to block (Numéro personnel)

Tick the box « Je certifie avoir lu et accepté »

Enter the letters and numbers for the ‘Anti robot’

 

Finally, click on « Valider le formulaire »

Once you have registered you will receive an email confirming your registration. (check your spam!).

 

 

To finalise your registration, you need to click on the link they will send you and click on ‘ici’:

“pour finaliser votre inscription, vous devez impérativement confirmer la réception de ce courriel en cliquant ICI ».

That’s it, as simple as that! No more calls about double glazing whilst you are having your lunch!

It takes about 4 weeks for calls to stop. You will be on this list for 3 years. After the 3 years you will receive an email asking if you wish to renew your registration.

 

I registered a few months ago myself, and I still get a few calls. However when I mention I am on ‘Bloctel’, callers put the phone down on me! They know I can make a formal complaint and they can get fined up to €75 000.

Even if you don’t speak much French, just mention the magic word ‘bloctel’ and the callers will leave you alone!

 

How to pay your Taxe Fonciere online

If you own a property in France, you will be liable for the Taxe Fonciere.

If you can’t visit your local tax office in person, you can pay your Taxe Fonciere online. It’s rather straight-forward.

Please follow this link here. 

Click on « Payer en ligne »

Numéro fiscal : enter your fiscal number which you will find on your income tax form or any other taxes (taxe d’habitation or taxe fonciere)

Click on “Payer en ligne”

Enter the reference number of the tax you are paying.

(référence de l’avis)

Finally you will have to enter your bank details then your email address.

Once the tax is paid you will receive an email confirming your payment. Keep it for your records.

Please note you won’t be able to pay your French taxes online:

once you have missed the deadline

or if you have not received your taxe fonciere as you need the tax reference number.

 

Please send me an email here if you require further assistance with paying your taxes online or any other way.

 

Business for sale in Brittany, France

Fancy relocating to France and running your own business?

This property, a home with a business for sale, is the place for you!

Manor house for sale in Brittany France

Manor house for sale in Brittany France

Business for sale in Brittany

This renovated historic Manor House is located within 10km of the coast, halfway between Saint-Malo and Le Mont St Michel. This property was constructed between the 13th and 16th Centuries.

This manor house is full of character and charm. It is currently a Bed & Breakfast, a gite business, and a reception hall.

The main house has impressive open stone fireplaces, original stone staircase, as well as beamed ceilings…

8 ensuite-bedrooms, 2 other bedrooms, and a spacious 2 bedroom gite.

One of the outbuildings has been converted into a reception hall to host wedding receptions or family reunions. You could easily convert it into a gite to accommodate groups instead.

Manor house for sale in Brittany France Manor house for sale in Brittany France

There are various outbuildings for further development.

The property grounds extend to almost 6 hectares. It includes an orchard currently used to produce the Manor’s own cider. There are plenty fruit trees, a courtyard and a meadow. There is also plenty of space to have your own kitchen garden, to keep animals…..

This is the perfect property for someone wanting to run their own business in a beautiful area in France.

B & B, hotel, family home, function centre, equestrian property, or a combination of uses, this is a very special, rare find situated in an excellent location for all year-round tourism!

 

This French property is generating a turn-over of around €90.000 – €100.000.

Price of the property €780.000 + notaire’s fees.

By setting up your own business in France, you will get into the French health system and obtain your Carte Vitale.

For more information about this French property or about setting up your own business, please contact me here.

Ban on plastic bags in France

What you need to know before going shopping in France

Since the 1st January 2017, France has banned single-use plastic bags. This ban applies to all shops, supermarkets, bakeries, butchers, chemists, as well as markets.

If you shop in France, you will get recyclable and reusable biodegradable bags instead.

Some market traders are charging for bags. Therefore, if you shop at a local market in France, bring a basket!

 

 

How to pay your Taxe d’Habitation online

If you own a property in France, you will be liable for Taxe d’Habitation.

If you can’t visit your local tax office in person, you can pay your Taxe d’Habitation online. It’s rather straight-forward.

taxe d habitation online

Please follow this link here. 

Click on « Payer en ligne »

Numéro fiscal : enter your fiscal number which can be found on any of your tax form (habitation or foncière)

Click on “Payer en ligne

Enter the reference number of the tax you are paying.

(référence de l’avis)

Finally you will have to enter your bank details then your email address.

You will receive an email confirming your payment. Keep it for your records.

Please note you won’t be able to pay your taxe d’habitation or foncière (rates) online once you have missed the deadline.

Please send me an email here if you require further assistance with paying your taxe d’habitation or taxe foncière online or any other way.

Employing an artisan in France

I wish to employ an artisan to do some work in my cottage in France. How do I ensure he is registered to work in France?

You can ask the artisan to supply you with:

  • an extract from the Register of Commerce (extrait d’inscription au registre du commerce et des sociétés),
  • a certificate of registration in the Register of Craft Trades (carte justifiant l’inscription au Répertoire des Métiers),
  • a company document (estimate, publicity) stating the company name, address and registration number.

How to Register With The French Health System

Registering with the French Health System (CPAM)

I always advise my British clients to contact the NHS (overseas department) before relocating to France in order to apply for the necessary documents to get into the French Health System. You need to apply for a S1. This document can take a while to come through so it is best to apply for them just before moving to France. Read More