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Buying Property in France Web TransitionsAbroad.com Home Work Study Travel Living As seen in Transitions Abroad Magazine March/April 2000 Related Topics Living Abroad Related Articles Legal Living in France Moving to France Buying a Home in France Property in France How to Find It, Buy It, And Live in It By Phyllis Cohen Buying property in France is not just for movie stars and celebrities. Ordinary people with a passable knowledge of French (or a friend who speaks it) and a lot of patience can acquire a bit of magic too. But before you attempt it, arm yourself with knowledge of how to find your special place, how to buy it, and how to live in it. Finding the Place As you look for what you want, here are several things to bear in mind: Don’t expect American state-of-the-art appliances, floor layouts, or conveniences. Part of the charm of old buildings is that they are old, and that includes the kitchens and plumbing. Decide if you want a pied-à-terre (a small place where you can comfortably stay for several weeks or months at a time) or a year-round residence. Generally, an apartment is sold with an empty kitchen—four walls and a water outlet. There are stores that will help you design and install your own kitchen, ranging from pre-fabricated cabinets at IKEA to a kitchen created by cuisinistes . Get at least three estimates as well as references before selecting your vendor. If you will be in a city, decide whether or not you will have a car. Parking in Paris is difficult; having a parking place can greatly increase the resale value of your place. France offers a wide variety of locales. Before you go to the effort of buying something, you really need to explore. Paris itself is divided into 20 arrondissements , each with its own character. If you are willing to live in the banlieue , or suburbs, prices drop dramatically. Properties in the countryside are considerably cheaper. Finding the right house or flat is more complicated than in the U.S. There is no such thing as Multiple Listings in France. Only 30 percent of real estate transactions occur with the help of realtors; the rest are directly between buyer and seller. As a foreigner, you might be more comfortable working through an agent, or agent immobilier , who knows the laws of France. Getting Started Let’s say you’ve decided to buy an appartement in Paris. Walk the streets to find an area you like, then hunt down some agencies that look promising. You can also check out the listings and realtors in various magazines, newspapers, and on the Internet. There is relatively little new construction in Paris. Those apartment complexes that are being developed are usually sold when ground is first broken; in other words, you basically buy an apartment two years before it is completed. Occasionally, you will find almost-completed apartments listed in newspapers and real estate magazines.If you are truly brave, you can buy a place at auction. Notices appear in newspapers such as Le Figaro and the International Herald Tribune. Let the buyer beware. At least take an architect with you when you go to look at the offering. Reading Listings No matter where you find your listings, they will all be posted as À Louer (For Rent) and À Vendre (To Buy). They will also tell you what arrondissement (if in Paris) or département (if in the rest of the country) the property is located in. Perhaps most importantly, they will give you the size in square meters and the number of rooms. Most apartments in Paris are small. Studios are 100-200 square feet, some smaller. Three-bedroom apartments are frequently under 1,000 square feet. Listings will tell you how many rooms there are other than the kitchen. A studio is one room. A one-bedroom apartment will have two pièces, or two rooms, plus the kitchen. Bedrooms are almost uniformly small, while the living rooms are comparatively large. Bear in mind that the French follow the European convention of counting the first floor as the ground floor (Rez-de-Chauseé or RdC); the second floor in American terminology is the first floor in Europe. Generally, the higher the floor, the more expensive the property. Closing the Deal Once you have decided on a place you like at a mutually-agreed upon price, you and the seller sign a document known as a promesse de vente . This is a legally binding document that confirms that the seller must sell the property to the buyer. The buyer, however, has 11 days to change his mind. The seller must also provide to the buyer an accurate floor plan of the apartment or house. All sales in France are conducted with notaires. Both the buyer and seller has his own notaire and they confirm that all aspects of the sale are done according to law. If you are buying a condominium, there will be a set of rules that govern the building. As an owner, you are a co-proprietaire and are bound by the laws of the building. Owners collectively determine such things as whether you are allowed to install a satellite antenna on your balcony, whether the building as a whole will subscribe to cable TV, how often and how much money will be spent on repainting the walls, etc. Do not make the mistake (as we did) of not personally reading all regulations before you sign. As a foreigner, it is advisable to hire an avocat , or lawyer, who specializes in real estate. In case of a disagreement, you are far better off having someone who knows the law and knows how to speak French. Tax Considerations Before buying property in France, you should know that 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. You will pay between 8 and10 percent in taxes and fees. If you buy an apartment less than five years old, however, you will pay only 3 to 5 percent or less. Ask also about property taxes, which tend to be less in Paris than in the country. Generally, you will be responsible for both a land and a habitation tax. A larger question is your residency status. If you reside in France full time and earn a living here, you will become part of the French social system. The taxes are extraordinarily high (more than 50 percent). Again, you should seek the advice of a tax attorney who is familiar with both the American and French taxation systems. You can get a list of attorneys from the U.S. Consulate. Financing If you are able to pay cash for your new home, you will not need a mortgage, and many properties for sale in the country might well be within reach of your savings kitty. If you need a mortgage, things become a bit more complicated. A French bank will issue a mortgage to expats 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 percent of your total income.Lastly, you must have mortgage insurance for a large mortgage and a physical examination at the bank’s expense. If you do not fall neatly into an income category (e.g., you are retired without a fixed income), Banque Woolwich is a good resource. The staff are used to dealing with expats and speak excellent English (Banque Woolwich, 9, rue Boudreau, 75009 Paris; 011-331-42-684-221, fax 011-331-474- 203-23; www.woolwich.co.uk ). Mary Fort is branch manager.The good news is that mortgages in France currently have excellent rates. Most mortgages (or “prets”) are for 15 years and currently run 4.5 percent annually. Once you are here in France, an excellent book to read is At Home in Paris , published by the Junior Service League of Paris. It gives all sorts of hints on differences of living in the States versus France (like how to make sure your laundry pipes don’t clog up with deposits). Living in France is a free publication, in English, that gives useful information on housing, employment, banking, insurance, etc. It can be found at various establishments around Paris that cater to foreigners. To absorb the flavor of a buying experience, read Peter Mayle’s A Year in Provence or Francis Mayes’ Under the Tuscan Sun. Both give agonizingly accurate pictures of the adventure of buying property abroad. All in all, buying property in France might seem like a daunting experience, but it is not an unpleasant one. Contrary to France’s reputation of being inhospitable to foreigners, we have found the opposite to be true. With the notable exception of a few surly cab drivers, we have found the French to be polite and helpful. And as we take our evening walks across the Alexander III bridge we can’t help but be amazed that a small part of this City of Lights belongs to us! Real Estate Listings De Particulier A Particulier (From Buyer to Seller), published weekly on Thursdays, is the most popular nationwide resource. L’Hebdo Immobilier (Weekly Realtor), published weekly on Wednesdays, also has an Internet site at www.immobilierenfrance.com . Demeures de France, a bi-monthly publication that specializes in upscale offerings, is in English and in French and also has an Internet site at www.demeures.com . Demeures de Charme is similar to Demeures de France, and is also in English and in French. FUSAC , a bi-weekly free publication for English-speaking residents of Paris, has advertisements for rentals, purchases, and agencies which can help you do either. FUSAC is available at many locations around the city including W.H. Smith and Brentano’s, two English-language bookstores. PHYLLIS COHEN and her husband Bob have taken a year off from their software company, packed their bags, and moved to Paris (See " Moving to France " in the January February Issue of Transitions Abroad Magazine). Web TransitionsAbroad.com Home Work Study Travel Living Disclaimer ©Transitions Abroad



Real estate investing is

** Real Estate Investment ** Foreclosures : Real Estate Investing Course : Foreclosure Information site map Buy Foreclosures - $0 Down Make $5,000-$50,000+ in 45 Days. FREE Foreclosure & Bank Lists included. Click Here Learn How To Make A Fortune Investing in Real Estate Foreclosures! Literally tens of thousands of homes and properties are facing foreclosure. More than 1% of ALL residential property in the United States today is already in, or facing mortgage foreclosure soon. With a staggering 1 million plus homes being foreclosed on any given day, opportunities for buying low-cost real estate foreclosures are plentiful. Every day, smart investors are amassing vast fortunes buying bank foreclosures. Real estate investing is undoubtedly one of the quickest, yet safest way to create enduring, financial wealth. Once you combine methods used by professionals with a proven investment strategy, you have a winning plan to create affluence for yourself. For the prepared individual, foreclosures give rise to circumstances for profit. Buying our ebook course gives you the essential, insider information to acquire a foreclosure home safely and earn considerable profits from any distressed property situation. Foreclosures: Opportunity For Investment There are 3 distinct windows of opportunity for foreclosure investment, each having its unique advantages and degree of risk - pre-foreclosures, real estate auction / sheriff sales and bank owned REO properties. Learning where to find foreclosures, when and how to buy them, the best foreclosure stage for investment, how to research titles, as well as deciding if a property has potential for profit are all critical to success. Our real estate investment course discloses everything you need to know to purchase foreclosure property successfully and profitably. Free Foreclosure Information & Consultation Got a question about buying foreclosures? Purchase our foreclosure course and receive crucial information direct from real estate investor / author Steve Maletos. Steve knows the strategies and shortcuts which can make you successful.Besides getting a complete investment system, you also gain a mentor at no extra charge! Steve's unlimited support and consultation is available only to students of his foreclosure course. Get FREE foreclosure consultation Locate Bank Foreclosures Bank owned, or real estate owned homes (REO) represent one of the safest methods of purchasing foreclosures, especially since their property titles are practically always guaranteed. Whether seeking safe investment opportunities, or a low price home residence, you can find bank foreclosure listings now. Hard Money Lender Source Foreclosure investing for most people will require funding. Included in both the CD-Rom and printed book version of our foreclosure courses, we provide private investor fund sources (with full contact information) who will loan investment money. We can also present your loan application to an exclusive list of hard money lenders . These are short term loans evaluated on an individual basis of property improvements and merit. Tell A Friend! Let your friends know about our Foreclosures Course materials! (or as a reminder to yourself) Testimonials Make Money in Real Estate Investment Affiliate Program Foreclosure Laws Industry Resources Foreclosure Listings Site Map Foreclosed Properties Steve Maletos Investor Mentoring Privacy Policy Real Estate Investor Loans



home For Sale by

MilitarybyOwner.com - Real Estate near U.S. Military Bases Forgot your password? Email: Password: 12/29/2005 2:30:31 PM -- Live Support Chat Live Chat Hours of Operation 9:00 AM - 9:00 PM EST M-F WELCOME Welcome to MilitarybyOwner.com, your one source for advertising your home For Sale by Owner or For Rent near our Military Installations. Use the power of your military network and the web to help you find, sell or rent your next home. HOME SEARCH State - Select - AL AK AZ AR AE AP CA CO CT DE DC FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY Military Base Select a state first City or Zipcode Price Range No Min $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $450,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $950,000 to $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $450,000 $500,000 $550,000 $600,000 $650,000 $700,000 $750,000 $800,000 $850,000 $900,000 $950,000 $1,000,000 No Max Bedrooms 1 or more 2 or more 3 or more 4 or more 5 or more Availability January February March April May June July August September October November December / / 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 AD Number -- THIS SITE IS AN INVALUABLE TOOL FOR SELLING YOUR HOUSE IN A MILITARY 'SELL BY OWNER' COMMUNITY. I COULDN'T KEEP UP WITH THE PHONE CALLS AND EMAIL HITS. PEOPLE STILL CONTACTED ME AFTER THE HOUSE WAS UNDER CONTRACT. CUSTOMER SERVICE IS EXCELLENT. A SMALL INVESTMENT FOR A HUGE PAYOFF. - TOM, FORT BRAGG, FAYETTEVILLE, NC MILITARY LOANS | 50 STATES | BUSINESS ADVERTISING | MOVING RESOURCES | TESTIMONIALS | FAQ | ABOUT US | CONTACT US



Denver Real Estate Site

A Denver real estate agent specializes in relocation to the Denver Metro area Denver Real Estate Directory Relocation buyers need extra help, learning about the area, schools, drive times and finding the best neighborhood to suit your lifestyle isn't easy. I can assist you with a relocation package tailored to your needs. [ Click Here for More ] Personalize your search and have results delivered to your inbox daily. This HomeFinder service is the most popular of all. [ Click Here for More ] The home buying process is easy when you know the answers; learn how to finance your home, how much it will cost and more. [ Click Here for More ] Select featured homes offering a virtual tour, so you can enjoy a tour from the comforts of your home anytime, day or night. [ Click Here for More ] search Denver Real Estate Site Are you considering a move and want to purchase a new home? Are you wondering about the suburbs of Denver and what they look like? Do you have questions about the city and the suburbs? Are you currently just shopping for information about Denver homes? You have found the right spot! Gathering information is going to be easy now. You will find the answers to your questions here. OFFERING MANY CHOICES OF DENVER HOMES The metro area has an abundance of neighborhoods that might fit your needs. I pride myself in being able to discuss these areas with you. It's important to look at all the possibilities when relocating to a new area and I can help you do just that. Here are some of the areas in the Denver Metro area to consider: OBTAIN NEIGHBORHOOD INFORMATION - CLICK ON THE CITY OF YOUR CHOICE... Arvada Denver Littleton Aurora Denver Tech Center Lodo Brighton Erie Louisville Broomfield Evergreen Lone Tree Castle Rock Greenwood Village Morrison Centennial Golden Northglenn Cherry Hills Highlands Ranch Parker Conifer Ken Caryl Thornton Commerce City Lafayette Westminster Lakewood Research demographics , follow links to gain visual perspective, driving times to popular Denver area locations, taxation in Colorado , links to school accountability reports , private schools , higher education in Denver, American Dream Downpayment Program and other facts helpful to a inquiring Denver relocation prospect. DENVER HOME SALES STATISTICS The Berkshire Group follows the real estate market trends in the Denver metro area. We publish the current market trends in the Denver Real Estate Update and Denver Sales Statistics . Click on the link to review the latest information about Denver home values, Denver's average days on market, list to sale ratios, etc. Denver relocation services are not exclusive to out of state (or country) home buyers. If you are relocating from an area of the city to another, you are welcomed and encouraged to use my services. As a relocation specialist I know how important it is to be able to learn about all the areas that might fit your needs. I have made it my business to compile as complete a website as possible, offering you information that you want...now! If you have additional questions please feel free to contact me either by telephone or e-mail. I promise I will answer your questions honestly and promptly and without pressure. Selling homes in and around Denver is my specialty...how may I help you? HOME BUYING DIRECTORY Buyer Broker Down Payment How to Qualify for a Mortgage Loan Application Locking in Interest Rate Earnest Money Loan Application Checklist Fico Scores Moving List Moving Pets What is PMI? Finance Glossary Financing Your Home Reverse Mortage Home Buying Process Closing Costs © Homes for sale... Beautiful Executive Home In Greenwood Village $579,900 All Execellent Cherry Creek Schools! Curved Stairway and French Doors to mainfloor Den. 5 Bedrooms, 5 Baths, Fully finished walkout basement. Click Here for more info Property Brochure Available Here. Castle Rock Home in the Villages $220,000 Newly redone with fresh paint and new carpet, this lovely Richmond two story has a great custom deck. Located in an established neighborhood you will love the price. Why wait for new? Call Kristal Kraft at 800-319-7739. Property brochure available online. Beautiful Historic Building! True, authentic Loft! Denver Loft Property brochure available here. Enjoy living in a Denver landmark in downtown Denver! (MLS #265755 Visual Tour #57003) Where? At the Denver Dry Lofts, 2 bedrooms, 2 baths, 22 foot ceilings, hardwood floor, timber beams, lots of vertical interest. HUGE PRICE REDUCTION! $239,900! Additionally the seller is offering incentives to the buyer...$5,000 worth! For more information, call your broker or call Larry McGee at 303-513-1436 View the visual tour of The Denver Dry Loft here. Looking for Lofty Living? (Tour #58151 MLS #268538) $319,000 Wow! Historic, Authentic loft completely renovated in 2005 with easy access to Lodo, Coors Field, restaurants and coffee shops. Light & bright end unit with plenty of space. Huge kitchen island with slab granite, Italian cabinets, lots of exposed brick & wood beemas, sealed concrete floors, large full bath, oversized tub, high ceilings, 2 storage units and plenty of room for your workspace. To see it, Call your agent or call Susie Farrar 303-350-5838 Brochure on Walnut Street Loft Take a virtual tour of the Walnut Loft Bank Owned, Bring Offer! (Tour # 434459 MLS #266663) Boulder County Townhome w/Contemporary Styling, fully finished basement, 3 bedrooms plus a loft, fireplace, 2 car garage. Backs to a huge open space. Priced to sell at $282,900. For more information call your Realtor or call Kristal Kraft at 303-589-2022 Take the Virtual Tour here. Attractive townhome with a courtyard (Tour #430692, MLS #264811) The beautiful open floor plan in this townhome with large rooms is all updated and ready for you to move in. This end unit with a main level entry faces a greenbelt. You will enjoy your private patio with additional storage, and easy access to highways, restaurants, and shopping. Call Susie to see it today! 303-868-8399 Preview this Hallcraft Townhome in Aurora, Colorado Cute Contemporary Home for sale at Sloan's Lake (Tour #64076 MLS #262198 ) You will love this home and location, 1864 sq. ft. 3 bedroom 2 bath home within walking distance to Highland Square. For more information call Laurie Reed 303-906-9172 Preview the home on visual tour Property brochure 4521 W. Hayward Place, Denver, CO 80212 Having a hard time finding a tour? Some computers will block "pop ups" preventing your computer from connecting to the tour. If this happens, hold down the "Ctrl" key and click the link. Or you can locate a Visual Tour by inputting the Tour # in the box below. FOR REALTORS ONLY - CAREER OPPORTUNITY If you are a Denver Realtor looking for a good environment in which to learn and prosper, follow this link . Kristal Kraft , ABR, CIPS, CRS Licensed real estate broker selling Colorado Since 1984 The Berkshire Group Realtors, Inc. 3801 E. Florida Ave, Suite 502, Denver, Colorado U.S.A. 80210 800-319-7738 toll free | 303-589-2022 direct | 720-554-7961 fax E-mail: Kristal Kraft, Realtor 1998-2005, © Reflective Motion Inc. | Privacy Policy | Site Credits | Disclaimer | Site Map ~2 ~3 ~4 Denver Relocation | Buy a Home In Denver | Sell a Home in Denver | Denver Map | Denver Neighborhood Profiles | Denver Sales Statistics | International Real Estate | A Bio | My Favorite Places | Real Estate Resources Denver Loft Homes | The Berkshire Group | Buy and Sell Denver | We Sell Denver | Denver Colorado Real Estate | Denver Blog




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