First, look at the house.
In France, you can find a house through an intermediary, or you can find a personal house on a website like PAP. Personally, if you are a foreigner or a Frenchman and don't understand this industry, you should look for it through an intermediary.
This has many advantages. For example, the law stipulates that the intermediary must provide a professional evaluation report of the house to examine the legality of the seller and whether the area is a flood-stricken area or a natural disaster-prone area.
Second, sign a promise to buy a house (PROMESSE D'ACHAT).
If you take a fancy to a house, you must sign a letter of commitment to buy it. This is actually a contract that promises to buy a house. Indicate the price and the earliest time to sign a formal contract (which can be changed according to the actual situation). The notary should be clearly stated in the supplementary terms, and the notary can find it by himself or entrust an intermediary. But the result is the same, because the notary fee is stipulated by the state, which is about 7,2% of the house price.
If you entrust an intermediary to find it, you can make some finishing touches with the intermediary. Is to convert a part of the house price into an intermediary negotiation fee. For example, if the house price is 6.5438+0 million euros, then the notary fee is 72,000 euros. However, if the house price is set at 9.65438+0 million yuan in the house purchase commitment contract, and the remaining 90,000 yuan is written as the intermediary negotiation fee, then the notarization fee will be reduced by 9*0.072 million euros.
Of course, this kind of commitment contract for buying a house will eventually be signed by the seller, so the seller's consent must be obtained in advance. In fact, this 90,000 euros is still for the seller. The most important thing in the commitment to buy a house is that there is a time limit for applying for a loan, which is generally 1 month. In other words, in 1 month, buyers should find loans quickly. Otherwise, by the deadline, if any bank is willing to provide loans, even if other banks have cheaper loans in their applications. Buyers can only choose the cheapest loan scheme they find.
Therefore, from the signing of the commitment contract to the specified period, the buyer is the busiest. What is even more frightening is that the intermediary will ask for a deposit equivalent to 10% of the house price in advance according to the requirements of the seller or the seller himself. If you feel that the bank loan is not cheap enough, you don't want to borrow it, or you suddenly change your mind and don't want to buy it, this 10% deposit will be hanged, and the seller will not earn anything.
Third, find a loan.
0% loan
This is a state subsidized loan. Not interested. But certain conditions must be met.
The first is the residential area. France is divided into area a and area B. Area A is mainly Greater Paris, while Area B is rural areas and other small cities. At present, the maximum loan amount in Area A is 14400, and that in Area B is much lower, estimated at around 7000. If it is a small Paris, you can get a 0% loan from the Paris municipal government. Up to 32,000 euros (including national discount loans) can be obtained.
If couples, cohabiting men and women or boyfriend and girlfriend buy together, the loan amount can be increased to 20,000 euros. However, the 0% loan has many restrictions and is the most difficult loan to get. Many French friends I know failed to get this loan because of incomplete procedures. The first condition is to rent a house in France for 2 years and keep all contracts and all rent receipts. If two people buy it together, both sides need to have the above materials.
Most foreigners and many French people can't do this, so they can't get this loan. So people who want to buy a house in France and want this kind of interest-free loan should pay attention. They must rent their own houses, and they must have a formal contract and keep a monthly rent receipt.
The second one depends on your N-2 personal income tax. If you buy a house in 2009, it depends on your personal income tax in 2007, but in fact, what you paid in 2007 was the income tax in 2006, that is, the income tax you paid in N-2 years for N-3 years.
If it is greater than a certain value, there will be no such loan. Therefore, friends who want to buy a house must buy a house within the third year after work if their salary exceeds the average income of France 1700 euros, otherwise they will not enjoy this subsidized loan.
The third condition is that the loan cannot be applied by yourself, and it must be applied by the bank you apply for. That is to say, if your loan request is not accepted by the bank, then there is no possibility of applying for a discount loan.
The fourth condition is that the house you buy must meet the latest housing security in France. Although many old houses meet the past standards, they do not meet the present standards. Therefore, as long as you buy a second-hand house instead of a new house, you need to find a professional company to evaluate the state subsidies. This evaluation is charged, and the cost is about 100 euro.
The last restriction is that time is tight, because the deadline for applying for loans is stipulated in the house purchase commitment, so all materials should be prepared in the shortest time. Of course, formalities are formalities. In a procedural country like France, there are still many loopholes that can be exploited as long as the procedures are followed and the law is not violated (that is, discrediting the law:-).
So as long as you were in France at that time, you can find a Frenchman who is already the owner to issue you a house certificate to prove that you lived with others for free during that time (so there was no rent receipt), and you should also provide his local tax bill and his ID card. However, it should be noted that this kind of free residence cannot span one year, that is, there must be a rental record that spans two years. If there is an interval of several months, this will do.
1% corporate loan (PR? Father aldehyde)
Corporate loans are often not directly given to you by the company, and not all companies can provide this loan, only larger companies will have it. Generally speaking, companies will find a third-party agency to register their services, and then when employees of the company need to buy their first house, they can apply for a loan with very low interest through this agency.
This loan may change with the number of applicants in that year. And if the salary exceeds a limit, you will lose the qualification to apply for this loan. This loan application is easy. As long as you are a regular employee of the company (holding a permanent contract) and your salary does not exceed the upper limit, you can apply for buying the first house. 100% is approved because it belongs to your company welfare.
However, although it is called 1% corporate loan, if insurance is included, it will eventually reach about 2,5%. Of course, compared with bank loans, it is already very cheap.
Bank loan (free loan)
This is a normal bank loan. First, make a blacklist. If you are from China and want to buy a house in France, you don't have to go to these two banks to ask if you have lived for 1 year.
Because their loan term cannot exceed the validity period of your residence (that is, you can only apply for a loan of 10 years if you live in 10 years, and you can only apply for a loan of 10 years if you live in/kloc-0 years), they are LCL (Credit Lyon) and BNP Paribas. LCL (Credit Lyon) is specifically mentioned here. The consultation of this bank will always recommend some housing credit loan accounts to you, saying that you can enjoy very cheap loans after five years. But when applying for this account, you won't question your residence until you want to get a loan.
Although the loss to customers will not be great, because the money in it cannot be moved before the maturity, the liquidity of customers during the account opening period is limited. As a bank, without considering the possibility of large-scale withdrawal, it will naturally use this deposit safely for high-return investment. Therefore, if you come from China and LCL recommends such an account, you should immediately question the possibility of loan.
Among the relatively large banks, the Postal Savings Bank has the best reputation at present. At present, the exchange rate is around 4.85%, and it is around 5.4% after insurance. If you are young and confident in your career, you can only buy accident insurance and death insurance when you buy insurance, and the rest of unemployment insurance is optional, even if you are asked to choose, you can refuse.
However, even the Postal Savings Bank can't renew your residence. Therefore, it must be done within the validity period of residence. As a foreigner, you must have a permanent contract, a certain salary and a place to work before you can handle it. Of course, if the personal down payment is large, the student apartment can also be discussed. Here's the procedure. You can apply for a home loan on their website. In two days, someone will call you and make an appointment with you. At this time, you don't need to bring any information, just make an evaluation.
All you have to do is answer the consultant's questions truthfully and tell me the loan term you want. Finally, I will print a list for you, with the total loan amount, time, evaluation interest and so on. In a week or so, another consultant will meet you. Usually this consultant will stay with you until you finally get the loan. In addition to the materials needed for bank loans, he also needs the materials needed for your 0% loan, because the 0% loan is applied by banks and banks for you. After that, he provided all the necessary materials according to his requirements until he got the loan.
In some cases, especially for foreigners who don't know what to do, it is also a good way for courtiers to find an economic company. There are many such economic companies in France to help you find loans and negotiate interest rates. Until you get the last loan. If they can't get a loan, they don't charge. Here is the introduction of CAFPI, the largest loan economic company in France. At present, the cost is about 1, 250 euros (including the material fee, which means that the bank does not have to pay the material fee), but the Postal Savings Bank itself has no material fee, which is quite special. Personally, I think we should find a bank and an economic company. On the one hand, economic companies can help you find loans quickly. If you finally find a suitable bank, don't accept their loan. Although it seems unreasonable on the surface, people helped you for a month and didn't take a penny. But sometimes you have to. At that time, they found it difficult to find a loan for my residence. As a result, the loan to me was relatively high, which was about 65,438+00,000 euros higher than the total interest of the last postal bank. 3 Summary One thing to note in France is that after receiving the loan contract (whether it is 0%, 1% or bank loan), you have a reflection period of 10 days, which is formulated by law to protect the rights and interests of the lender, but it is also an obligation that you must abide by, that is, from the day you receive the contract, if it is not/kloc-0.