Buy Property
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
Selling Home & Garden
Home Buying - Home Buying and Home Selling Advice - Buying a Home You are here: About > Home & Garden > Home Buying / Selling Home & Garden Home Buying / Selling Essentials 10 Things Home Buyers Shouldn't Do Best Tips for First Time Home Buyers "Must-Do" Tasks Before You Sell How to Buy a Home, Step by Step For Sale by Owner Advice Articles & Resources How To Buy a Home How To Sell a House Celebrity & Historic Credit Reports & Scores Design & Remodel Home Maintenance Inspections & Appraisals Investing & Foreclosures Modular & Manufactured Mold, Radon, Lead, etc. Mortgage Advice Moving & Relocation Real Estate Careers Real Estate For Sale Vacation Homes Buyer's Guide Before You Buy Top Picks Home Buying Books Foreclosure Books Mortgage Books Product Reviews Forums Help FREE Newsletter Sign Up Now for the Home Buying / Selling newsletter! See Online Courses Search Home Buying / Selling From Janet Wickell , Your Guide to Home Buying / Selling . FREE Newsletter. Sign Up Now! Getting Ready to Sell Your House Guests and lots of activities make it difficult to show a house during the holidays, so home owners sometimes put off selling their homes until after the first week in January, when life starts returning to normal. If you're in that category take some time to evaluate the condition of your home before you list it with an agent or sell it by owner . Be sure to analyze your situation to determine if selling is your best move, then think about the home's curb appeal and get the interior and exterior in tip-top shape . It's not a bad idea to do a few inspections to make sure the house is ready for potential buyers. Handle as many tasks as you can now and you'll find that the sales process will be a breeze. Monday December 26, 2005 | permalink Before You Buy Gas Logs Gas logs are growing in popularity every year, so manufacturers have geared-up to offer us a wide selection of appliances. You'll find gas logs to put in a hearth, freestanding gas stoves, and fully contained fireplace units that are mounted to a wall. But did you know that the dangerous gas byproducts produced by gas logs is not always vented to the outside? It's important to understand the differences between vented and vent-free logs before you buy a gas log fireplace. Saturday December 24, 2005 | permalink Pros and Cons of Becoming a Real Estate Agent You've decided you want to become a real estate agent, but what's your motivation? Do you understand the type of work real estate agents do and are you savvy about the true pay they receive for their work? It can be a rewarding career choice, but it's definitely not the best option for everyone and there are lots of things to consider before you decide that a real estate career is right for you. Wednesday December 21, 2005 | permalink Step-by-Step Directions Help You Measure Square Footage Each year, home owners discover that their new home's square footage is not the figure that was stated when the house was advertised. Owners sometimes decide to sue the people who were involved in the transaction, especially if the difference is significant. Real estate agents and for sale by owner sellers can reduce their risks of encountering a lawsuit by knowing how use accepted standards to measure and calculate a home's square footage . Get it right the first time so that everyone's happy with the results. Wednesday December 21, 2005 | permalink Buying Land for Your New Home If you've looked and looked, but can't find the perfect combination of land and house, maybe it's time to consider building. And while buying land for your new home can seem intimidating at first, you'll find it really isn't a horrible task if you fine-tune your wants and needs before you start searching for real estate. Tuesday December 20, 2005 | permalink Buying a Home with Great Resale Potential A few generations ago it wasn't unusual for people to live in the same home for many years, somtimes the rest of their lives after becoming homeowners. We're more mobile today, always "moving up" to a larger house or relocating to a new town. So it makes sense to put some thought into buying a home with good resale value , one that will sell easily and put extra dollars in your bank account if you do decide to move. Tuesday December 20, 2005 | permalink What's a Quit Claim Deed? Home buyers usually receive a general warranty deed when they purchase real estate, because it's a type of deed that offers several guarantees from the seller that the title to the property is good. Another document that's sometimes used is a quit claim deed . It works perfectly for some situations, but it's important to understand the limitations of a quit claim deed before accepting one when you purchase real estate. Friday December 16, 2005 | permalink How Credit Scores Are Calculated Everyone looking for a mortgage to buy a home--and that's most of us--finds out right away that credit scores play a huge role in the types of loans and interest rates that are offered to them. It's helpful to study your credit reports and scores before you apply for a mortgage, and to do it as early as possible to give yourself time to correct errors before a lender takes a look. Wednesday December 14, 2005 | permalink Moving Tips and Timeline Buying a home is exciting, but let's face it... moving is a chore. A big one. The only way I know to get through it without an excess of stress is to manage the moving process in little steps instead of letting it overwhelm you at the last minute. Start early and stay organized and you'll be ready for the moving truck before you know it. Monday December 12, 2005 | permalink Typical Home Buyer Closing Costs Closing costs are the expenses associated with buying real estate. You can expect to pay a large chunk of your closing costs the day the trasaction is complete, when the property becomes yours, but some closing expenses are nearly always paid before that day. There's no single set of expenses that every home buyer must pay--every transaction is different--but it's a good idea to become familiar with typical closing costs so that you'll have a better understanding of the items billed to you on your HUD-1 settlement statement . Wednesday December 07, 2005 | permalink Display Latest Headlines | | | Read Archives powered by Movable Type Important disclaimer information about this About site. 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Selling Home-Made Food Products
Selling Home Made Food Products Online Questions? Just Ask! Home > Start-Up > Questions from Readers > Food Product Regulations Question from reader: What kind of license/health inspections etc. do you think would be involved in selling a home made food product from a web site? Answer from Brett Krkosska: Comply With Regulations Before Selling Home-Made Food Products Online Before starting a home business selling food products it's a good idea to investigate regulations on the local level, as well as state and federal mandates. The Food and Drug Administration is the federal regulatory body who sets national guidelines. More information can be found by visiting their website. You'll need to make some phone calls to research your requirements on the state and local level, as regulations vary with location. State governments vary as to what products may or may not be prepared and sold from home. For instance, canned goods are often prohibited. Many states require a food permit, and inspections from your local health department are to be expected. You may find that a commercial kitchen, or at the very least, a separate kitchen is required for home prepared foods. Call your state and local health agencies for information on permits and regulations that apply to your business. You'll also want to make sure you are in compliance with local zoning and licensing laws. Your county and city clerks are a good place to start. And of course, normal tasks such as registering your business name, registering a trademark, obtaining a sales tax certificate, getting adequate insurance coverage... should all be attended to before opening for business. << More Questions from Readers Search for more information about Selling Home-Made Food Products Web HomeBizTools.com Real-world, common sense strategies for small and home based business success. Your issues... real answers. First Name: Your Email: Your email address is safe. Our Privacy policy .
Rental Property
Vacation Rentals, Bed and Breakfasts, Hotels, and More - Rentalo.com -- Vacation Rentals, Hotels, Bed & Breakfasts Testimonials | Contact Rentalo | Help (Live) Enter a destination: Subscribe "This service is amazing!!! I live overseas, and was planning to meet some family members and stay with freinds in Vail free for my holiday. Two weeks prior to the holiday, my freinds informed me the house was no longer availalbe; wed have to find other accomodations. After three days and many hours of searching through websites, sometimes getting responses and sometimes not, I stumbled upon your service, sent one form off, and over the next 3 days received over 20 responses with places that I would have stayed at any one of! We ended up with a great home, at a VERY reasonable price, and NO STRESS. This service is FANSTASTIC for the renter/user." Cynthia Cupak "I THINK THIS IS A GREAT THING. IT SAVES HOURS OF SEARCHING!!!!" Wendi Kirby " I just wanted to tell you how much time and money your service saved me! Your excellent way of breaking down the listings was great! I did not have to deal with excess verbage. Keep up the good work! Thanks again, Mike Donohue" Mike Donohue "Just wanted to pass along my thanks. This service worked extremely well and I was able to find exactly what I was looking for in Mexico. What I liked best was not having to search for anything and having exactly what I requested sent to me. I have already recommended your service to several of my colleagues and friends who were equally impressed." Sue McGregor "Thanks so much for your help. We were able to book a condo for the dates we required to accomodate our needs. It is still winter in MN so we are really looking forward to visiting Florida. Thanks again for a great site that did the leg work for us." P Rehder "Great service, extremely friendly contact with everyone who has responded." Ty Miller "Thank you very much, you did a great job in making up this web page. Now to hear from potential customers........It is great!" Art Nunes See more testimonials United States Orlando Mammoth Lakes Miami Beach Poconos South Lake Tahoe Beech Mountain Ft Lauderdale Kissimmee Ocean City Las Vegas More... Europe London Zermatt Geneva Paris Interlaken Amsterdam Zuerich Rome Barcelona Dublin More... Canada Mont Tremblant Whistler Blue Mountain Banff Canmore Toronto Vancouver Montreal Victoria Shell Lake Prince Edward Island More... Caribbean Aruba St John St Maarten St Martin Cayman Islands Negril Bahamas Turks And Caicos Islands Bermuda San Juan Ocho Rios More... Mexico Puerto Vallarta Playa Del Carmen Mazatlan Cancun Rosarito Bucerias Tulum Acapulco Ixtapa Zihuatanejo Troncones San Felipe More... Asia Bangalore Jaipur Tokyo Agra Goa Chennai Hyderabad Mumbai New Delhi Singapore More... South America Rio De Janeiro Belo Horizonte Buenos Aires Punta Del Este Georgetown Quito Bogota Brasilia Margarita Island Lima More... Central America Belize Quepos Bocas Del Toro Managua Manuel Antonio El Salvador Antigua Puerto Viejo Limon Puntarenas San Jose More... South Pacific Sydney Gold Coast Auckland Byron Bay Perth Melbourne Coogee Beach Fiji Fiji Island Goroka More... Africa Cape Town Durban Cairo Cameroon Yaounde Egypt Somalia Algeria Libreville More... About rentalo.com - Rentalo is the largest, fastest growing, most relevant global directory for vacation rentals, bed and breakfasts, hotels, and other lodgings, with over 100,000 property listings in close to 15,000 destinations worldwide. Travelers & Vacationers - In Rentalo you find the best values in vacation rentals, bed & breakfasts, hotels, and other lodgings. Property owners & managers - With Rentalo you receive the best return on investment (ROI) for your rental or lodging business. Enter your email to view the rental offers you have received help Search New Destination | Vacation Rentals | Press | Affiliates | Newsletter | Site Map | © 2005 Rentalo.com | Legal Disclaimer | Privacy
Home Loans 18.2
Mortgage Mag Main Page Mortgage Mag Main Page MBA Orlando Convention! New Clips! - View the daily clips, contact us. 1.0 State Information Loans, Lenders, Jobs, Associations 2.1 Loan Leads Lead Generation, Telemarketing 2.3 Software Registry Software, Systems, Technology 2.7 Free Loan Search Engine Find a Home for a Loan 4.1 Secondary Marketing Loan Securities, Pipeline, Software 5.0 Industry News Press Releases, Events 5.1 Market Commentary Rates, Events, Calendar 5.3 MortgageMag LIVE! Multimedia, Interviews, Audio, Video 6.1 Net Branching Branching, Associative, Partnerships 6.2 LOX Loan Officer Exchange Job Seekers & Employers 6.3 Job Listings Jobs, Resume Postings and Services 6.4 Recruiter Registry Mortgage, Banking, Finance 7.0 Consulting Registry Mortgage Banking, Finance 8.0 Mortgage Forums Jobs, Branching, IT 11.1 Appraisal Registry Find an Appraiser, Services 17.0 Administration Advertise , FREE LINK! , Search , Help • Friday Update w/ Aaron Freedman Rob Hain 12/16/2005 • Friday Update w/ Aaron Freedman Rob Hain 12/9/2005 • Friday Update w/ Aaron Freedman Rob Hain 12/2/2005 • Tuesday Market Update Rob Hain 11/29/2005 • Monday Market Update Rob Hain 11/28/2005 MortgageMag Live Interviews • Impac Mortgage Group of Companies Bill Ashmore 12/15/2005 • Quality Control in Leads Seth Goldstein 12/13/2005 • More Than Just Mortgages Roger Dunker 11/29/2005 • The Freedman Report Aaron Freedman 11/22/2005 • Old School Recruiting Rob Huxtable 10/25/2005 Market News • MortgageMag will be at the MBA Orlando Convention! - 10/04/2005 • Mortgage Application Volume Down In Latest Survey - 12/21/2005 • President Expected to Sign TRIA Legislation - 12/21/2005 • Pros See No Doom, Gloom in Slowdown - 12/19/2005 Mortgage Technology • SupportTrac and TracTalk Provide Del Mar Database Customers with Online Support Tools - 12/21/2005 • Digital Map Products Partners with Aerials Express - 12/17/2005 • SupportTrac and TracTalk Provide Del Mar Database Customers with Online Support Tools - 12/17/2005 • Swiftpro recruitment software is pleased to announce the launch of two new channel partner and reseller schemes. - 12/17/2005 Fannie Mae • Fannie Mae Updates 12/16/2005 - 12/17/2005 • Fannie Mae Alerts - 12/12/2005 • Fannie Mae Alerts - 11/15/2005 • Fannie Mae Updates 11-7-2005 - 11/07/2005 Freddie Mac • Freddie Mac Updates 12/16/2005 - 12/17/2005 • Freddie Mac Updates 12/12/2006 - 12/12/2005 • Freddie Mac Alerts - 11/15/2005 • Freddie Mac Updates - 10/28/2005 Mortgage Mag Main Page Main Index 1. Loans 2. Loan Originations 3. Loan Processing 4. Mortgage Banking 5. News/Commentary 6. Jobs & Resumes 7. Consulting Registry 8. Forums/Groups 10. Real Estate 11. Property Services 12. Finance 13. Banking 14. Credit Services 15. Legal Services 16. IT/Systems 17. Administrative 18. Related Web sites 1. Loan Center 1.1 Loans by State 1.2 Lenders by State 1.3 Commercial 1.4 Note Sales 2. Loan Originations 2.1 Loan Leads 2.2 Mortgage Marketing 2.3 Lending Software 2.4 Training/Education 2.5 Mortgage Exam 2.6 Licensing 2.7 LoanSearch Engine 2.8 Advertise/Marketing 2.9 Associations 3. Loan Processing 3.1 Processing 3.2 Underwriting 3.3 Closing 3.4 Document Services 3.5 Title Services 3.6 Mortgage Services 4. Mortgage Banking 4.1 Wholesale 4.2 Correspondent 4.3 Loan Processing 4.4 Secondary Markets 4.5 Portfolio Services 4.6 Loan Administration 4.7 International 4.8 Support Services a. Warehouse Loans b. Consultants c. Software d. Govenrment 4.9 Industry Info 5. News/Information 5.1 Market Audio 5.2 Daily News 5.3 MortgageMag Live! 5.4 Lending Forums 5.5 Convention Info 5.6 PR Posting 6. Jobs & Resumes 6.1 Branching [Net] 6.2 Loan Off Exch-LOX 6.3 Jobs - Search/Post 6.4 Recruiter Database 6.5 Job Forums 6.6 Resume Search 6.7 Resume Resources 7. Consulting Registry 8. Forums/Groups 8.1 Market Commentary 8.2 Loan Requests 8.3 Commercial Loans 8.4 Broker Licensing 8.5 Loan Leads 8.6 Mortgage Banking 8.7 Software/Technology 8.8 Branching [Net] 8.9 Employment 10. Real Estate 10.1 Agents 10.2 Resources 10.3 Commercial 10.4 Rental/Apartments 10.5 Construction 11. Property Services 11.1 Appraisal Registry 11.2 Flood Services 11.3 Property Services 11.4 Insurance 11.5 Environmental 11.6 Trust Management 11.7 Mortgage Services 11.8 Government Links 12. Finance 13. Banking 14. Credit Services 15. Legal Services 15.1 Attorneys 15.2 Accounting & Tax 16. IT/Systems 16.1 Video Services 16.2 Video Production 16.3 Webcasting 16.4 Audio 16.5 Multi-Media 16.6 Graphics 16.7 Internet Services 16.8 Software 17. Administrative 17.1 Contact 17.2 Advertising 17.3 Free Listings 17.4 News Posting 17.5 Job Posting 17.6 Resume Posting 17.7 E-Mail Posting 17.8 Search the Site 17.9 Forums 18. Related Web Sites 18.1 Home Loans 18.2 Media 18.3 Brokers 18.4 Mortgage Bank 18.5 Employment 18.6 Real Estate 18.7 Legal 18.8 Finance 18.9 Banking 18.10 Technology