La nouvelle affaire du mois
Compromis de vente signé

Réf: 10910                           Prix: 46.000 € !!!

Saulieu Centre Ville
Nouveauté

Réf:                            Prix: 139.000 euros

"Le Moulin de la Louve"
vous reçoit en toute sérénité lors de vos visites de Biens immobiliers dans notre région

Dormir dans les environs de SAULIEU / B&B near SAULIEU
Cadre de verdure et de paix en pleine nature

Le Moulin de la Louve - Gite rural à 4 Km de Saulieu

De la Ruine au Chateau ....
On a tout ce qu'il vous faut !!!

Le Morvan

Massif granitique au coeur de la Bourgogne datant de l'ère Primaire (600 millions d'années)
Altitude moyenne 600 mètres au-dessus du niveau de la mer
Donc, ici: air pur, pas de tremblements de terre, pas d'innondations, pas de tsunamis

Alors pourquoi encore hésiter à venir y vivre !??

The Steps to Buying Property in France

The whole process of buying any type of property or land in France is strictly regulated.

Firstly you should decide how you will buy your property. There are three options:

• Buy for cash - a straight forward option, but once capital has been invested in a French property it can be difficult to release equity although not impossible.

• Re-mortgage your main home to raise the cash - again, a straight forward option and one that doesn't involve you having to deal with any French banks, but you will probably find that the interest rates charged by banks and building societies in other countries may be higher than interest rates in France. Bear in mind the mortgage warning "Your home may be repossessed if you do not keep up repayments on your mortgage". You may be putting your main home at risk for the sake of your holiday home.

• Finance your property with a mortgage from a French bank or mortgage provider.

Initial Costs

Whether you are buying for cash or with a mortgage there are some costs you are going to have to fund yourself.

• The Deposit as your agreement to the purchase - On the day you sign the Compromis de vente (the sales agreement contract) you will be required to pay your deposit, usually 10 percent of the purchase price for older properties (less for new properties under construction or buildings under five years old). It is advisable to pay your deposit cheque to the notaire or agent who is representing you and not to the vendor. The deposit is held by the notaire/agent until completion.

• Notaire fees - For an existing property, be prepared for 8 percent of the purchase price as the cost for the legal fees. For a new build property, assume 4 percent of the purchase price. In addition to the notaire fees, there will be the land/property registration fee which varies from region to region. You can choose your own notaire, or use the same notaire as the vendor - whichever you choose, the cost will be the same. Notaire fees can only be included in the mortgage for French tax payers. If you pay tax in another country, you will have to fund the notaire fees yourself.

• Agency fees - An amount between 5% and 10% can be charged and there is no hard and fast rule on whether it is the vendor or the buyer who pays the agents fees. If you are raising a mortgage you can include these fees in the mortgage if the agency fees are stated in the Compromis de vente.