Richardbk
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Posts posted by Richardbk
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I've never heard of birth at home in France . Do they it exist ?
Considering the amount of paperwork and formality that is needed I would have thought it was quite difficult to do formally. i.e. in France, if you don't have the pre and post natal checks at the right time, do the right things etc you can sometimes forfeit the right to later child support payments.
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Richard -
>Before we approach the bank, would
>be interested to know as
>long as we supply necessary
>proof of income, is it
>possible to have more than
>one mortgage in france if
>we wanted to buy a
>second property out there, do
>they take any rental income
>into account, i know there
>is the specific rule of
>not more than 30% of
>your outgoings, any advice appreciated.
>
>
>Thanks
>Jill
In fact the rule is that your monthly credit payments must not exceed 1/3 (33.3%) of your *net* monthly income. E.g if you earn 9000/month after taxes, pensions, SS etc, then the total of all credit card payments, car/other loans + mortgages etc should not exceed 3000.
On the rental they should take it into account if it has been properly declared and accounted (for French purposes).
If you are resident the 2nd house will be subject to capital gains. If you are non-resident they will both be subject to capital gains.
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Richard
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.The rate at the time
>of transfer was 1.52 but
Which rate was this.
You will never get the official quoted rate and for smallish private transactions it is quite normal to be 2 or 3 base points of the quoted rate of the day. When you tranfer you can usually ask them to quote and fix (spot forward) the rate for the time of the transfer. If not the rate used will be that 3-4 days from initiating the transer. I.e the point at which they exchange the currency. The 25GBP just pays for standard transfer fee, irrespective of the actual rate used.
Of course the whole process is a con, and there is really no reason why a transfer can not be made in <12 hours at or close to the rate of the day. Unfortunately this is only going to come about through stronger European regulation.
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Richard
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If it is the TEG (or APR) rate it is reasonable, but if it is their first offer, you should be able to push them lower, so I'd still look around, get a quote elsewhere and then come back to them. If it is the flat rate then it is way too high. E.g even Carrefour are offering 5.95% TEG.
French credit restrictions mean that your monthly payments on credit must not be greater than 1/3 of your net monthly income.
Apart from that there are no other real issues. Clauses to look for include lump sum payments and paying off the loan early early. Usually these can be negotiated in a mortgage, but seldom in a personal loan of a few years. You also need to decide if you need insurance on the payments and if so what type of insurance you want.
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Richard -
I can only recommend this one based on their service, which is very efficient.
Its probably not much point in comparing prices (approx 17/month/per person at any age), since working for a n international organistion we are completely outside the French social security system and have an internal social system, in which the benefits are already significantly higher than the normal French system. Thus the rate we have with UMC is specially negotiated.
http://www.mutuelles-umc.fr/
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In fact most French people I know people say to phone the Fire/pompiers before the SAMU, as these generally arrive quicker than then SAMU. In theory the SAMU should have better paramedic help. When my son was injured in a fall at a supermarket it was the Pompiers that were called and took him and my wife to hospital
Unfortunately I think the service/s are patchy and depend where you live. As with other things either check with the mairie and/or ask around to find out what other people use.
And yes the ambulances are generally glorified taxis who, BTW, mostly drive like idiots.
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Richard
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It depends on what you have agreed with your bank. Most will provide at least a minimum overdraft facility of 750 by default, but of course this depends on your financial situation.
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Richard
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LAST EDITED ON 14-Dec-02 AT 10:56 AM (GMT)
I don't want to sound pessimistic, but 16 is probably far too old to expect integration in the French education system to a level which would enable taking of French exams etc. In this case it would be better to consider either a private english school (but there are few in France) or boarding school back in the UK. See other posts here. In our international organisation, which includes many Brits and other Europeans coming to France, 9/10 is considered about the limit for integration, but it does depend on ability etc. Studies show that from around 7/8 the method of language learning changes to that of an adult and becomes signifciantly more difficult.
It is also important to understand that acheiving a level of fluency in a language is not the same as aquiring enough to complete a full education in the language.
best regards
Richard -
Looking through this I was a little surprised that it has not been updated as a result of changes in French law on Jan 1 2002, which came into effect on 1 July 2002.
Under new laws it is now not possible for children to evict the surviving spouse
If there are NO children from previous marriages of the deceased spouse , the surviving spouse now choose either to take 1/4 of the succession OR 100% of the usefruct(ability to use, rent etc)
. The children will receive 3/4 of the succession OR 100% of the bare ownership.
The surviving spouse is able to sell the property, buy another etc, but that succession part of the children is always carried forward. E.g part of the new house may be deemed to be thier inheritance or it may be put into a special bank account.
If there are children from previous marriages of the deceased spouse, only the first option (surviving spouse takes 1/4 and children receive 3/4) is the only option.
With respect to changing the marriage regime to community, this can be done within the first 10 years of coming to France quite easily with a notaire(after that it requires a judge), but there is now some doubts over whether a notaire can do this(there is no case law) if children <18 are involved as this is a right which is not granted to French couples.
for some additional details see my posting in legal->minimum income for carte
Due to the above changes, the Tontine clause is now being used less and less in France. With the Tontine one should note that it is generally not tax efficient and will also give problems should you separate.
With regards wills, You really should have one of these if you own property in France. If not it likely that the courts (UK High Court) would need to get involved in the probate which can be very complicated and expensive). All French wills are written by Hand. They are NOT witnessed and can be written in English or in French (or any other language). They can be written on anything from a napkin to a brick wall. If you do it with a notaire they will register it for you on the official wills register in France, and will ensure that you write it in a way which can be interpreted easily.
The difference between UK and French law in the areas of inheritance should not be under-estimated and as such it is essential that people seek proper advice.
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Richard
BTW. No, I am not a lawyer/notaire or in any way related to the legal service. Just been there and done it and been re-doing it again over the last couple of months.
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You can pay bills via the TIP (which is like a UK bill payment (Giro ?) slip., but for this you need a RIB( Relev d'Identit Bancaire) which is a slip with all your account details from your bank. The TIP is included at the bottom of the edf bill. You need to sign it and include in the envelope a RIB from your bank. The next TIP you get will automatically have the bank details included. You normally get the RIB from your cheque book !, but often there is also one included in some of your bank statement sheets. You could probably get your bank just to send the RIB.
You can also pay by Internet http://monagence.edf.fr/ -> Les moyens de paiement, but haven't done this myself or by monthly direct debit (also needs a RIB).
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Richard
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>Can anyone recommend a good company
>that offers "Protection" of life
>in France Please.
>
>Thnaks
Life insurance products in france are not as well advanced as in the UK. Usually the premium is based on your age a year at a time. E.g it is usually not possible to buy a product with say a fixed rate (or index linked payment) for a fixed duration of time (say 10-15 years).
Some UK companies will provide cover if you live in france, but not many and the prices are much higher if you are living abroad.
First place to start is your bank or possibly one of the internet comparison sites such as http://www.assureland.com/
regs
Richard
asian pnumonia
in Health
Posted
http://www.sante.gouv.fr
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Richard