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FRANCE

Buying a property in France

Buying a property in France has become increasingly popular in recent years, particularly with UK nationals.

There is something very rewarding about owning your own second home in another country and many find that this arrangement is more preferable to seeking a different destination for each holiday. Since the advent of low cost air flights and the arrival of the Eurotunnel, the French property buying business has become huge.

There are an increasing number of property exhibitions that aim to persuade you to purchase brand new or nearly new properties in France. Sales staff are skilled in using highly seductive marketing methods to sell as many as possible. Like all other salespeople, they know that if a customer has time to go away and think about a purchase, then a sale is lost as is their commission! You should not however feel pressured into ‘signing on the dotted line’ there and then.

You should always seek expert advice when buying your first Investment Property in France. However this article aims to provide a basic insight into points to remember or consider when you embark on buying property in France.

You must bear in mind that buying a property in France is not the same process as buying in the UK. Depending on the type of property you intend to buy and possibly the area, the laws on buying and selling property in France can vary somewhat.

Be careful with the capital gains tax as this is chargeable on all second home sales owned for less than two years. at a rate of 33% with a sliding reduction on profit percentages over a 20 years period.

French property transactions involve a french ‘notary’ – a legally qualified public servant who represents both the seller and the purchaser. There is no such equivalent person involved in UK property transactions. All of the notary’s costs (ranging from 8 – 14% of the purchase price) are payable by the purchaser.

You should be prepared that most notaries will not speak English. If you do not speak the language fluently, you should make sure that you take someone with you who does!

If making your purchase with cash, the process will take up to two months – this can be extended by another month if paying by mortgage. If you need a mortgage, things become a bit more complicated. A French bank will issue a mortgage as long as you can show regular income. By French law the total of all of your mortgage payments worldwide cannot be more than 30% of your total income. You must also have mortgage insurance for a large mortgage and a physical examination at the bank’s expense.

When buying property in France, a preliminary sales contact (binding on both parties) is negotiated once an agreement on price is reached between purchaser and seller. If the purchaser intends to finance the property by mortgage, it is necessary for this to be declared at the time of the agreement and a substantive clause would protect the purchaser's interests in the event that a loan is not made available.

The property would be withdrawn from the market and the legal system would commence its checks etc

A 10% (minimum) deposit is then payable by the purchaser and is held in a secure account until completion of the purchase and the property is taken off the market. If the purchase is abandoned because the purchaser has a change of heart, the deposit is lost. If however, clauses in the intial agreement are not met, the deposit would be refundable. Similarly, In the event of the discovery of a `planned nuisance' through the searches, the buyer can withdraw and the deposit is returned.

Surveys of the condition of the property you intend to purchase by professional surveyors or 'experts' are unusual in France. It is more usual to request local artisans to give an opinion as to the condition of say the roof, or the walls and for them to give quotations for the work.

It is advisbale when buying a property in France to make a French Will as inheritance laws vary in France to those in the UK. French succession law does not allow you to leave your share of the property to whom you wish - even if you have an existing Will. The Government of France has very specific inheritance laws. By law, on your death your property is divided equally between your spouse and your surviving children. There are some steps you can take to ensure that the surviving spouse can continue to live in the house or flat. Speak with a lawyer about this before you buy the property.

Once you own your property in France, you will be liable for local property tax, occupancy taxes (where applicable) as well as French tax when you sell the property. You will also need to pay tax on any income you receive from letting out your property.

You will need to open a French bank account to pay for all utilities to your property.

The final contract is signed at the notary’s office and the property passes to the purchaser who must pay the balance of the purchase price to the notary forward onward transmission to the vendor. (The balance must be in the notary’s possession before the contract is signed.)

Prior to completion, it will also be necessary to provide to the notary with a copy of the purchaser’s birth certificate translated into French and, if applicable, a copy of a Marriage Certificate also in French.

From the signing of the Contract the purchaser is responsible for the insurance of all the buildings on the property.

December 2005

Public Holidays in France

French organisations and businesses close on public holidays and although some shopping centres and grocers open for part of the day, the majority of shops are closed.

Public holidays in France are 1st January (New Year's Day), 1st May (Fête du Travail) , 8th May (Fête de la Victoire de 1945) , 14th July (Bastille Day - France's National holiday), 15th August (Assumption), 1st November (All Saints Day), 11th November (Armistice de 1918 -Armistice Day) , 25th December, Easter Monday, Ascension and Whit Monday.

Public holiday closures do not affect police stations and hospitals.

France

The second largest country in Europe and the most visited country in the world, France is bordered by Belgium, Luxembourg, Germany, Switzerland, Italy, Monaco, Andorra, and Spain.

With a landscape ranging from high mountains to lush farmland, the French way of life is deemde to be one of the most civilised you can get. With a population of around 60 million, it can see almost 80 million visitors per year.

There is always a new place to visit in France. Travelling around is very easy and public transport extremely reasonable and reliable. Paris of course is an outstanding cultural centre – packed with historic buildings and no shortage of culture and history. Other popular tourist areas in France include Lyon, Toulouse, Marseille and Bordeaux. On the northern Atlantic coast, Normandy has a rich heritage of cathedrals, beaches and battlefields. Brittany however, lies to the west and is renowned for its Celtic links, beuatiful coastline and seafood.

Skiing in France is popular, with the Alps attracting thousands of enthusiastic skiers each year.

FRANCE Vacation Rentals - 48 examples from our database

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VACATION RENTAL: Luxury gite near Cognac in France with pool, gardens, BBQ and gamesroom.
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Prices from EUR475

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VACATION RENTAL: Luxury gite near Cognac in France with pool, gardens, BBQ and gamesroom
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Prices from EUR550

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VACATION RENTAL: Luxury gite near Cognac in France with pool, gardens, BBQ and gamesroom
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2 Bedrooms

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VACATION RENTAL: Château and 5 luxurious gîtes in monumental park with 2 heated pools
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Prices from EUR410

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VACATION RENTAL: 19th-century house in Cévennes, a balcony overlooking the Mediterranean plain.
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Prices from EUR500

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VACATION RENTAL: 19th-century house in Cévennes, a balcony overlooking the Mediterranean plain.
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Prices from EUR300

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VACATION RENTAL: 19th-century cottage in Cévennes, a balcony overlooking the Mediterranean plain.
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Prices from EUR170

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VACATION RENTAL: Small Holiday Resort - 12 luxury cottages, pool, tennis - Bergerac, Cahors, Agen
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Prices from EUR290

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VACATION RENTAL: La Bergerie -a well equipped and modern 3 bedroom self catering gite in SW Franc
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Prices from EUR495

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VACATION RENTAL: 6 Berth Mobile Home, 4* Site, Domaine De Kerlann, Pont Aven, Brittany
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Prices from GBP225

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VACATION RENTAL: L'Ecurie -a well equipped and modern 3 bedroom self catering gite
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Prices from EUR595

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VACATION RENTAL: Le Clozet - well appointed and modern B&B bedrooms in SW France
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Prices from EUR455

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VACATION RENTAL: We have modern mobile homes for hire on superb campsite in Benodet.
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Prices from GBP175

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VACATION RENTAL: River Cottage is located on the banks of the River Vige in 10 acres of woodland
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Prices from GBP250

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VACATION RENTAL: Gites la Colline in the Correze, beautiful view, near Brive and Dordogne
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Prices from EUR310

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VACATION RENTAL: Belle Vue Gite. Single storey stone gite with private garden, sleeps 6. pool
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Prices from EUR300

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VACATION RENTAL: Renovated Farmhouse Domaine Roujoux with Stunning Views, Swimming pool & Golf
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Prices from EUR644

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VACATION RENTAL: Relax in our comfortable family Holiday Gite in rural Brittany (sleeps 6)
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Prices from GBP200

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VACATION RENTAL: Self-catering holiday accommodation in French Pyrenees
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Prices from EUR275

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VACATION RENTAL: Gite near Cahors in SW France
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Prices from EUR250

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VACATION RENTAL: Villa in south-west France, sleeps up to 10, in the countryside
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Prices from EUR895

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VACATION RENTAL: This apartment only a few steps away from the Eiffel Tower
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Prices from EUR830

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VACATION RENTAL: A large and comfortable three bedroomed gite with a private pool
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Prices from GBP420

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VACATION RENTAL: Large Character Farmhouse in Chambon, Loire Valley, France.
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Prices from EUR450

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VACATION RENTAL: Comfortable old farm, sleeps up to 8, private pool, walled courtyard, SWFrance
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Prices from GBP680

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VACATION RENTAL: Beautifully renovated farm, sleeps 15, private pool, walled courtyard, SWFrance
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Prices from GBP880

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VACATION RENTAL: Large tranquil village house close to Carcassonne & Canal du Midi - plunge pool
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Prices from GBP395

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VACATION RENTAL: Charming chalet situated on the edge of a 1 acre course fishing lake.
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Prices from EUR300

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VACATION RENTAL: Beautifully renovated farmhouse set in wonderfully secluded grounds.
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Prices from GBP1,200

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VACATION RENTAL: Three bedroom Villa with Private Pool near Carcassonne
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Prices from GBP600

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VACATION RENTAL: L'Hotel du Poulet. Charming studio for 2
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Prices from EUR200

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VACATION RENTAL: Luxury Gite sleeping 2-8 with open plan lounge diner with exposed roof timbers
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Prices from EUR750

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VACATION RENTAL: La Pêche at Les Prinquieres one of four luxurious gîtes designed for couples
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Prices from GBP190

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VACATION RENTAL: Rural cottage with swimming pool in Southern Brittany
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Prices from EUR380

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VACATION RENTAL: Rural cottage with swimming pool in Southern Brittany
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Prices from EUR380

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VACATION RENTAL: Gite au bord du Canal du Midi, près de Carcassonne
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Prices from EUR500

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VACATION RENTAL: Beautiful Holiday accommodation for self-catering groups - in the heart of rural
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Prices from EUR1,000

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VACATION RENTAL: Lovely two bedroomed farmhouse Gite. Fully equipped for that feeling of home.
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Prices from GBP195

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VACATION RENTAL: Ski-In, Ski-Out Self-Catering French Alps Apartment Portes du Soleil
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Prices from GBP175

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VACATION RENTAL: This apartment is fully equipped with modern appliances
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Prices from EUR650

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VACATION RENTAL: Fully equipped with modern appliances, antiques and comfortable furniture.
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Prices from EUR700

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VACATION RENTAL: Le Mas d'Henriette, a large traditional French Farm house in Provence.
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Prices from EUR2,500

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VACATION RENTAL: Luxury 3 bed gite sleeping 2-6 with 11x7m heated pool
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Prices from EUR600

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VACATION RENTAL: La Châtaigne one of four luxurious one bedroom gîtes designed for couples
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Prices from GBP180

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VACATION RENTAL: Holiday gite in a peaceful location, but 10min walk to local town and 5km to sea
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Prices from EUR250

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VACATION RENTAL: Family mansion with pool for 10/14 people in the SE France - 25 km Mediterranean
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Prices from EUR1,630

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VACATION RENTAL: Artist's cottage in busy market village with 'commerces' & restaurants nr Cahors
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Prices from EUR335

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VACATION RENTAL: Large Villa with 5 en-suite bedrooms.Heated pool. 2 acres private woodlands
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Prices from GBP1,950

FRANCE Hotels - 48 examples from our database

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HOTEL: B&B Cognac 2 Large double rooms + 1 large Family Suite 2 acre garden pool
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Rooms from EUR55

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HOTEL: Turn of century guest house with character next door to a chateau in Limousin
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Rooms from EUR25

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HOTEL: Traditional B&B in stunning south-western French village
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Rooms from EUR49

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HOTEL: Country House B&B autoroute A20 near Argenton sur Creuse Pet & children friendly
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Rooms from EUR40

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HOTEL: Countryhouse, Medieval Archer's Tower, Riberac, Dordogne, close to lovely sites
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Rooms from EUR42

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HOTEL: Village B&B Friendly comfortable affordable accommodation in the Gers France
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Rooms from EUR40

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HOTEL: B&B Lot-et-Garonne, Aquitaine, SW France Adults Only
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Rooms from EUR50

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HOTEL: Family 3 stars hotel of charm facing the marina of Golfe-Juan, french riviera
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Rooms from EUR78

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HOTEL: Luxury B&B in the heart of sunny Poitou Charente.
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Rooms from EUR50

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HOTEL: 19th Century restored Longére, near Josselin. Rural and tranquil location.
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Rooms from EUR45

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HOTEL: Chez Passet, lifestyle, indulgence and relaxation in beautiful mountain settings
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Rooms from EUR90

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HOTEL: Luxury guest house on the Normandy - Pays de la Loire border near Alençon
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Rooms from EUR50

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HOTEL: Pretty bed and breakfast in the heart of the pyrenees mountains
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Rooms from EUR49

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HOTEL: Villa with private pool near the mountains and the beach.
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Rooms from EUR45

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HOTEL: Stylish B&B in beautiful Bourgoise house, Charente Maritime, Cognac country
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Rooms from EUR55

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HOTEL: B&B near Lourdes, Bagneres de Bigorre, motorcycling, cycling, walking, Gite
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Rooms from GBP70

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HOTEL: Friendly run Bed & Breakfast in the village of Madre
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Rooms from EUR20

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HOTEL: Luxurious Dordogne château hotel
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15 Bedrooms

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HOTEL: Romantic B&B in 16th Century mansion, near St. Emilion and Bergerac, heated pool
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Rooms from EUR90

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HOTEL: Luxury Resort Hotel close to the Côte d'Azur
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110 Bedrooms

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HOTEL: Bed and Breakfast, South of France, Mediteranean and Mountains
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Rooms from EUR45

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HOTEL: Friendly family run farmhouse bed and breakfast accomodation
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Rooms from EUR49

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HOTEL: Quality guest house in a 17th century manor - swimming pool - nr Pau & Biarritz
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Rooms from EUR95

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HOTEL: Charming B&B in a quiet location near the centre of La Souterraine
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Rooms from EUR35

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HOTEL: Charming B&B and Gite near the tremendous Cite de Carcassonne and close golf cou
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Rooms from EUR105

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HOTEL: TOUR EIFFEL HOTEL GRENELLE PARIS TOUR EIFFEL
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Rooms from EUR130

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HOTEL: Normandy 18th Century Farmhouse bed and breakfast chambre d'hote
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Rooms from EUR60

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HOTEL: B & B in rural setting in Normandy on the border of Brittany and Pays de Loire
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Rooms from EUR40

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HOTEL: B & B within reach of many attractions in Charente Maritime
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Rooms from EUR35

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HOTEL: Relaxing B & B with swimming pool on the edge of a rural village
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Rooms from EUR50

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HOTEL: Central France B&B for short breaks and relaxing full board holidays, off A20
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Rooms from EUR58

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HOTEL: Chambres d'Hôtes Le Verger
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Rooms from EUR55

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HOTEL: chambres et table d'hotes bed & breakfast aubusson accommodation lodging hotel
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Rooms from EUR75

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HOTEL: English family run b&b in the beautiful Dordogne
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Rooms from EUR42

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HOTEL: La Merveille - B&B Normandy
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Rooms from EUR40

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HOTEL: La Basse Cour Normandy - Loire Bed and Breakfast
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Rooms from EUR55

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HOTEL: B&B or Chambre d'hôtes in Tours on the bank of the river Loire
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Rooms from EUR55

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HOTEL: Le Clos Castel Normandy B&B Ideal for discovering the D-Day beaches & museums
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Rooms from EUR50

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HOTEL: Hotel in the centre of Les Deux Alpes
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Rooms from EUR423

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HOTEL: Hotel Chateau Sallandrouze
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Rooms from EUR120

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HOTEL: normandy bed and breakfast
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Rooms from EUR21

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HOTEL: Warm & Friendly Bed & Breakfast in the Heart of France
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Rooms from EUR45

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HOTEL: Chambres D'Hote in Barbezieux town centre, located near fantastic Chateau.
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Rooms from EUR60

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HOTEL: Cosy, decorated, little hotel in the center of Paris.
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Rooms from EUR64

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HOTEL: bed breakfast Normandy France family ensuite bedrooms twin room safe free parkin
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4 Bedrooms

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HOTEL: Beautiful Bed n Breakfast set in a very quiet village close to the medival town
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5 Bedrooms

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HOTEL: beautiful B&B situated in 2.5 hectares of grounds situated near josselin
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2 Bedrooms

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HOTEL: Legendary luxury hotel in the heart of Paris
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121 Bedrooms

Popular Towns/Cities for adverts within France

NICE - ALPES-MARITIMES   NICE 193 adverts present in our database with 2 Holiday Rentals, 191 Hotels

CANNES - ALPES-MARITIMES   CANNES 146 adverts present in our database with 4 Holiday Rentals, 142 Hotels

CARCASSONNE - AUDE   CARCASSONNE 68 adverts present in our database with 2 Holiday Rentals, 66 Hotels

BORDEAUX - GIRONDE   BORDEAUX 68 adverts present in our database with 68 Hotels

ANTIBES - ALPES-MARITIMES   ANTIBES 68 adverts present in our database with 68 Hotels

MONTPELLIER - HERAULT   MONTPELLIER 64 adverts present in our database with 1 Holiday Rental Listing, 63 Hotels

TOURS - INDRE-ET-LOIRE   TOURS 47 adverts present in our database with 47 Hotels

DIJON - COTE-D'OR   DIJON 39 adverts present in our database with 2 Holiday Rentals, 37 Hotels

MORZINE - HAUTE-SAVOIE   MORZINE 38 adverts present in our database with 1 Holiday Rental Listing, 37 Hotels

HONFLEUR - CALVADOS   HONFLEUR 36 adverts present in our database with 1 Holiday Rental Listing, 35 Hotels

SAINT-RAPHAEL - VAR   SAINT-RAPHAEL 31 adverts present in our database with 1 Holiday Rental Listing, 30 Hotels

SARLAT-LA-CANEDA - DORDOGNE   SARLAT-LA-CANEDA 29 adverts present in our database with 2 Holiday Rentals, 27 Hotels

CAP DAGDE - HERAULT   CAP DAGDE 25 adverts present in our database with 1 Holiday Rental Listing, 24 Hotels

LES DEUX ALPES - ISERE   LES DEUX ALPES 25 adverts present in our database with 25 Hotels

ALBI - TARN   ALBI 24 adverts present in our database with 1 Holiday Rental Listing, 23 Hotels

BAYEUX - CALVADOS   BAYEUX 21 adverts present in our database with 21 Hotels

ORANGE - VAUCLUSE   ORANGE 21 adverts present in our database with 21 Hotels

MILLAU - AVEYRON   MILLAU 19 adverts present in our database with 19 Hotels

BEZIERS - HERAULT   BEZIERS 16 adverts present in our database with 16 Hotels

GRIMAUD - VAR   GRIMAUD 16 adverts present in our database with 16 Hotels

QUIMPER - FINISTERE   QUIMPER 15 adverts present in our database with 15 Hotels

TOULON - VAR   TOULON 15 adverts present in our database with 15 Hotels

BENODET - FINISTERE   BENODET 14 adverts present in our database with 2 Holiday Rentals, 12 Hotels

BRIVE-LA-GAILLARDE - CORREZE   BRIVE-LA-GAILLARDE 14 adverts present in our database with 14 Hotels

MOUGINS - ALPES-MARITIMES   MOUGINS 14 adverts present in our database with 14 Hotels

DAX - LANDES   DAX 13 adverts present in our database with 2 Holiday Rentals, 11 Hotels

BERGERAC - DORDOGNE   BERGERAC 12 adverts present in our database with 2 Holiday Rentals, 10 Hotels

AX-LES-THERMES - ARIEGE   AX-LES-THERMES 12 adverts present in our database with 12 Hotels

GRASSE - ALPES-MARITIMES   GRASSE 12 adverts present in our database with 12 Hotels

VENCE - ALPES-MARITIMES   VENCE 11 adverts present in our database with 1 Holiday Rental Listing, 10 Hotels

COLLIOURE - PYRENEES-ORIENTALES   COLLIOURE 11 adverts present in our database with 1 Holiday Rental Listing, 10 Hotels

COGNAC - CHARENTE   COGNAC 9 adverts present in our database with 1 Holiday Rental Listing, 8 Hotels

AGDE - HERAULT   AGDE 9 adverts present in our database with 1 Holiday Rental Listing, 8 Hotels

FAYENCE - VAR   FAYENCE 8 adverts present in our database with 3 Holiday Rentals, 5 Hotels

CASSIS - BOUCHES-DU-RHONE   CASSIS 8 adverts present in our database with 2 Holiday Rentals, 6 Hotels

GRUISSAN - AUDE   GRUISSAN 8 adverts present in our database with 2 Holiday Rentals, 6 Hotels

REDON - ILLE-ET-VILAINE   REDON 7 adverts present in our database with 3 Holiday Rentals, 4 Hotels

BELLE PLAGNE - SAVOIE   BELLE PLAGNE 7 adverts present in our database with 7 Hotels

CAHORS - LOT   CAHORS 7 adverts present in our database with 7 Hotels

GOLFE-JUAN - ALPES-MARITIMES   GOLFE-JUAN 6 adverts present in our database with 1 Holiday Rental Listing, 5 Hotels

FALAISE - CALVADOS   FALAISE 6 adverts present in our database with 5 Holiday Rentals, 1 Hotel Listing

LES ARCS - SAVOIE   LES ARCS 6 adverts present in our database with 6 Hotels

MONT-DE-MARSAN - LANDES   MONT-DE-MARSAN 5 adverts present in our database with 2 Holiday Rentals, 3 Hotels

MONTMARTRE - PARIS   MONTMARTRE 5 adverts present in our database with 5 Holiday Rentals

CERET - PYRENEES-ORIENTALES   CERET 5 adverts present in our database with 5 Hotels

ALENCON - ORNE   ALENCON 5 adverts present in our database with 5 Hotels

CARENTAN - MANCHE   CARENTAN 5 adverts present in our database with 5 Hotels

LAUNAY - COTES-D'AMOR   LAUNAY 5 adverts present in our database with 5 Holiday Rentals

PLOUGONVELIN - FINISTERE   PLOUGONVELIN 5 adverts present in our database with 1 Holiday Rental Listing, 4 Hotels

CHAMPAGNY-EN-VANOISE - SAVOIE   CHAMPAGNY-EN-VANOISE 5 adverts present in our database with 5 Hotels

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