booboo
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Posts posted by booboo
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I would say, if your buying in France, get a French mortgage, which are a lot lower than UK mortgages. You can always negociate the bank fee!
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Mmm sounds interesting; I wonder if they charge for cash withdrawals/payments? Sounds similar to the French Moneo "pocket money" system.
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Do a free quote on www.meilleurtaux.com
English link: http://www.meilleurtaux.com/index-AN.php
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I think you'll find it's pretty much standard practice for a pret relais which is based on 70% of the value. As for your income, in France lending criteria is that you can only be in debt for a third of your income.
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You should normally be covered on your own home insurance for trips abroad upto 3 months??? Check your UK policy.
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Hi,
An "attestation d'hebergement gratuit" should do.
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how about a fixed term deposit at your bank; these can run from one month to over 1 year. Obviosly the longer you can leave it the better rate you'll get.
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citibank are in the process of closing their branches.....
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try the english staff at ca-paris.fr i'm very happy with my account there which gives me internet banking too.
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[quote user="cooperlola"] Does anybody know where I can get hold of a basic French version of such a thing as the bank needs proof of residence and don't understand the English contract! [/quote]
Hi, you can buy tenancy agreements in stationary shops.
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I suggest you ask your French bank directly for a credit card, you should get one there surely? I pay 15 euros annually for the bank's credit card.
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[quote user="Will "]
This is just another example of the way that the French banks, like the tax people, will always get you. The charges I particularly like are those for having an inactive account. OK, you close the account to avoid those charges - but there are even bigger charges for closing accounts. [6]
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No bank can charge for current account closures; i think there was a new rule end 2005.
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Yes i agree; but can't see them chasing after someone with a bad debt if they're non resident. There's also the salary and tax docs that are in english and those french credit companies (and probably with their platforms in morocco...!!) are not in the know.
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[quote user="hastobe"]That seems illogical - if you can get a French mortgage when non resident why not a credit card? It should be based on your ability to pay not your residence.
Kathie
[/quote]a french mortgage has a solid guarantee; but what guarantee does your credit card have ?????
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[quote user="Crevette"]
My application for an "Oney" cashback card was refused "following a study of my dossier" and they won't say way (very conveniently for them).
I am on year three of a five year contract in France, so still paid in the UK - I wonder if this is what scared them? I sent through the many forms as requested but they wrote back to say they needed to see my "impots" payments for 2005 - which I also sent.
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If you're paid in the UK, then you are fically non-resident in France?? That'll probably be why it won't be accepted. It's not a question of nationality.
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[quote user="Eslier"]CA state that mortgages must be repaid befor your 70th birthday. Whether they would be prepared to give you a ten year term mortgage or not is another matter. If the lender insists upon a life assurance policy then at age 60 this might be quite costly so would also be worth taking into account if you are shopping around.
[/quote]Might differ in different CA's... On mine it states: life insurance covers you for death upto 70 years old, however a mortgage must be repaid before you turn 80.
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Thanks for your replies; I'll keep it then and eat it soon![+o(]
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I've just found at the back of my cupboard, a Marks & Spencer xmas pud: best before 13th feb 2005 !! Do you think it's edible??
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Get a quote done in English on: www.meilleurtaux.com
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well try this link then : www.meilleurtaux.com they're a well known, and good reputation french mortgage finder; usually file fee is Zero with them; and their english pages are online now too. They'll find you the best offer with regard to your situation.
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I suppose it depends on the CA region, as in Paris, they don't charge for any direct debits. Perhaps because of the competitiveness (is it spelt like that? !!) between paris banks??
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Not all banks charge - mine at CA paris intl don't (yet anyway!!)
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crikey, i see what u mean; i've just had a look at the ir website, and everyime you try to find a contact email/tel, you have ti either fill out a form for them to contact you or you get ther 08... number which is basically some random telephone platform (probably in morocco..!!)
you might be best opening (or transferring) your account at your local branch? or try another bank all together (CA paris intl are all English, and Barclays intl bilingual too)
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Expatica are holding their expat fair tomorrow Sunday at the carrousel du louvre in Paris. 11am - 6pm.
Looks like it'sll be a good show.
English speaking bank in Calvados
in French Finance
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