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Preparing your last will and testament following the purchase of a property in France, why and how ?
A will is a written document by which a person makes decisions and specifies his or her wishes following his or her death.
You can:
Organize the transmission or the distribution of your assets and designate the beneficiaries (spouse, partner, cohabiting partner, child, friend or [...]Is a more contained increase of the usury rate in June 2023 good news ?
The usury rate (aka Taux d’Usure in French) protects the purchaser by capping all the costs of all types of mortgages over multiple durations. Normally adjusted every quarter since its creation in 1966, the usury rates have been adjusted every month since the beginning of [...]
Your marital status and the joint ownership of property
Certain rules apply automatically when two people are married. The marital status sets the rules for managing assets and debts accumulated before and during the marriage.
How will they be divided up if you divorce or if a spouse dies ?
These are the characteristics [...]
Your mortgage is refused and you can’t understand why. Here are a few things about French mortgages you might have overlooked.
When purchasing in France, you have to select a property and make an offer before applying for a mortgage. The mortgage application process can be lengthy and the lender’s decision difficult to accept.
Because French lenders do not have to justify a mortgage refusal, you [...]
Opening a savings account and increasing your personal contribution will help you contract a better mortgage in 2023. But that’s not all …
Applying for a mortgage in France has become an arduous endeavor since last summer. With a continuous rates increase (Mortgage interest rates are at their highest since 2016 but remain below 3.25% fixed over 20 years) and a lingering issue with the usury rates for [...]