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La
Giraudiere BROSSAC CHARENTE Southwest France Article on Buying a French Property in Charente France The Actual Process |
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Charente Property South West France Charente Property
Buying a French Property in Charente France
| Charente has become the new goal for
those searching a property overseas in France . You may be
looking for either a town house, farmhouse,
land, barn or Lake
in France
then once you have decided on the property you want you will start on
the process of purchasing that property. In this article, we explain
the order of events as you go down the road to completing your purchase. In 99 % of cases it is the buyer who pays all the fees. The estate agents fees and the notaire's or solicitors fees. The notaire's fee including the property deed register is about 10% of the purchase price. If you found your property througth a French real estate agent or immobilier then you will have his fees also on top to pay. |
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| If
you found your property througth a French estate agent then you would
have certainly have had to sign up with that agent and as a concequence
you will have to pay there fees which should have been outlined in the
agreement that you originally signed with them. In france you will be asked to sign apromise de vente which is a bidding contract between you  and
the seller. Within this contract you
can state reasons for pulling out i.e subject to seeing the plans of
the property, you can also insert conditions like subject to you
receiving a French mortage. You may also have further developement
plans for the property and again this contract can be used to say
subject to you receiving planning permisssion for your proposed
project. Another good request is to say subject to the property being
cleared of all it's rubbish ( I know of people who have had to pay
thousands of euros to have barns cleared out or even lofts cleared. This
is where you will start to learn that the French love paper work and
demand copies for all sorts of documents. You will need a copy of your
passpost, a copy of your birth certificate (The full one not the small
one) You will also need copies of your mariage certificate and divorce
papers if applicable. If you
are financing your purchase with a mortgage then you will need copies
of the paper work. The compris de vente normally takes up to
four
weeks to arrive and it will be in French allthougth some notaire's and
agents will supply an additional copy in English. If you are not sure
about any of the contract then seek profesional advice before signing.
You may be asked to deposit a 10% holding deposit upon signing the
compromis and if after signing you decide to with draw then you will
lose your deposit unless the reason is for one of the conditions that
you laid down i,e you cannot get a mortgage or the plan of the property
is not what you saw and so on. Likewise if the seller decides
to
sell to some one else for a reason other than was stated in the
contract he will have to pay you 10% - not bad. |
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Buying Property in Charente South West France
The
solicitor (Notaire) is responsible for insuring that certain
inspections are carried on the property you are buying prior to
completion. These inspections will be for termites and other wood
eating bugs, Lead and asspestos checks. If you are buying a relatively
new house then it may be well worth asking for a copy of the builders
invoice as this carries a ten year guarantee in France. Similar the
vendor would have a COUNSEL CERTIFICATE which would have been provided
once the property was hooked up to mains electric, this certificate
would show that the wiring conformed to French standards and was safe.
The notaire will also ask for the plans cadastre for the property you
are buying and will check that the boundaries are marked. If you are
buying a piece of land or property that was once part of a larger
section then a new plan cadastre will be drawn up and new parcelle
numbers given to your plot.
A property survey does not exists as such in France and you would be better off asking a local builder to survey the property for you. Remeber if you are buying some 200 year old stone French farmhouse then there will be work to be done and do not think otherwise. Do not ask the estate agent to recommend a surveyor or builder as he will probably send some one he knows will not loose his commission. Instead ask at the town hall or Maire to recommend a local builder or other expats to recommend some one. Remember the estate agent will loose a lot of money if you pull out. The sale completion signing is held in the notaire's office and it's usual for the buyer to be there, but if you can't be, you can arrange a power of attorney for it to be signed in your absence. Make sure that you have your deposit in place in France and also that your mortgage has been agreed. If you miss the completion date you will lose your deposit. On the day of the signing be sure to go and view the property one final time prior to signing to ensure that everything is has you expect. The estate agent can arrange this and it is not unusual. When you sign you will be asked to write in French sold as seen so make sure you have seen it.
It's not unknown for problems to arise even at this late stage with regard to fixtures and fittings for example all the light switches and power points may have been removed.
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