ssomon
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Posts posted by ssomon
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On 29/11/2021 at 10:56, fromagebleu said:
Hi All
Could someone please tell me when money is transferred to my bank account by the notaire - does this coincide with the handing over of keys to the buyer as in the UK?
And what about the tax I have paid- Fonciere and Habitation - are these in arrears or in advance and do they refund if the latter?
With many thanks
Maybe you could indicate how long you have been waiting for the money. I assume it is going to your French account.
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18 hours ago, ssomon said:
........................... Proportional sharing of these costs is possible by agreement between the buyer and seller. Often the seller agrees to pay the habitation, and the Foncières is shared on the basis of the number of months each owns the house, but this is customary, not a legal requirement, whatever you are told, and details of any arrangement made must be included in the Acte de Vente
That statement is slightly ambiguous. Payment of both taxes is the responsibility of the seller. There is no legal requirement for the buyer to pay any part of them unless he has agreed to do so.
It is customary in some areas to share the Taxes Foncières, and less usual to share the Taxe d'Habitation, but this must be agreed between the buyer and seller prior to signing the Acte, and specifically mentioned in the Acte.
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The Notaire transfers the money to your account once he has calculated the taxes, his fees and expenses, and any other charges against the sale amount. In our experience this usually only takes a few days.
The payment of 1) the Taxes Foncières and 2) the Taxe d'Habitation are the responsibility, respectively, of 1) the owner 2) whoever was living in or had the use of the house, both as of January 1st of the year of the sale.
Proportional sharing of these costs is possible by agreement between the buyer and seller. Often the seller agrees to pay the habitation, and the Foncières is shared on the basis of the number of months each owns the house, but this is customary, not a legal requirement, whatever you are told, and details of any arrangement made must be included in the Acte de Vente
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My wife and I still have teeth, so she makes a fresh fruit salad with dinner every day.
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If you search the document they mention for "produits animaux" you will see that it seems you can ship or carry your baggage a small quantity for personal consumption, .
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I like the idea of buying an electric car even less when I see stories like THIS
I'm sure someone will leap to their defence and say it won't happen, but there are plenty of videos on line of similar events with cars.
I had the lead-acid battery explode in a new car I when I tried to start it, but fortunately the bonnet was closed, so there was just a dent where the cell which blew out hit the underside, and at least lead-acid batteries don't contain inflammable materials.
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Hopefully they make the pieces separately and have spares in stock ?
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6 hours ago, Lehaut said:
Having moved regions over two years ago, thought it was about time to move banks (CA Normandie to CA Loire-Atlantique (or LA as the hip term!)). The bank mobility programme has swung into operation to change over all the virements etc, so far so good. However, the change notice for the Mutuelle also came in with the costs for next year. We have only the basic level one cover with the bank, and its going up 11%, far ahead of any inflation or price indexing wages, pensions etc. A quick google showed that the government asked the providers to limit their increases to 4%, but a toothless request.
Our mayors office has a "Mutuelles solidaires : l’accès aux soins pour tous" system which, on paper, provides a similar cover for a lower (30 € a month) premium for 2 people. Anyone had any experience of these?
Presumably your Mairie has shopped around for a good/the best deal. We have now scraped in for cover under CSS, but I think our previous mutuelle, Sofica's, through a broker in Bordeaux, gave us as good a deal as any, and they were straightforward to deal with.
Unlike some we checked out, they covered all co-payments, rather than just some with specific percentage rates.
One policy we checked covered only those items covered by Assurance Maladie at 65% and over. We frequently have prescription items with a rate of 60% and less, which if we had to pay for in full would amount to quite a large sum over a year.
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2 hours ago, Teapot1 said:
Didn't Lady Penelope have one of those back in the 60's ?
@Gluestick Hot tubs filter the water, only a tiny part of which could be classed as actually dirt. I would therefore say a well set up hot tub is probably better than a used once bath. The water being retained for some time, at least a week in rental properties snd a couple of months on privately houses.
The filtration electricity bill is miniscule in well designed tubs but cheap imports are something different. I worked on one in a hotel and removed most of the Chinese plumbing replacing it with an eco setup that simply works far better. Not much cost and that was recouped quickly in energy saving, it also complied with the commercial regulations.
Does the filter also remove human waste, bacteria, viruses, fungi, and other nasty things which can get into communally used water?
I imagine 2 month old warm water is an ideal breeding ground for all sorts of infectious agents.
They seem as much of a problem to maintain properly as swimming pools. https://www.medicinenet.com/what_diseases_can_you_get_from_a_hot_tub/article.htm
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12 hours ago, Gluestick said:
Pools, yes. Hot Tubs...why? Have a hot bath instead.
I agree with Teapot's philosophy: any artifact can be improved, immeasurably in terms of holistic environmental impact with carefully planned engineering.
The one thing I think is truly outrageous in wasted energy terms is a gas or electricity powered Patio Heater!
Either put on a fleece or go indoors!
How about outdoor air conditioning? https://www.gq.com/story/qatar-outdoor-air-conditioning
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I haven't lived in UK for almost 60 years, nor or even visited it for a long time, so I'm not familiar with the latest terminology.
I can understand that the term "Paki" may have acquired a derogatory implication, but that doesn't mean it is racist, a term which nowadays is used to create and inflame outrage to the maximum.
I think a different, less emotive, term would be more appropriate, but I'm not sure what it should be. Maybe just xenophobic. But that would probably be eventually put on the politically incorrect list, like many previously innocuous words.
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2 hours ago, NormanH said:
To drag the thread back to French, there was a good example of the topic in our local paper not long ago.
"La Machine a vendagé" instead of "La Machine à vendager"
I believe the verb is vendanger ?
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17 hours ago, NormanH said:
Errors such as those in the article reveal a lack of understanding of the structure of a phrase. They are not just a spelling mistake, but ssomon (I nearly wrote Solomon) is right. Versions of them are common in in English0
Solomon is OK ?
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WRT to the "P" word used by a cricketer recently -
I have often been referred to as a "Brit", which is a contraction of "Briton" or "British person".
The terms "Limey" and "Pom", as well as others have also been used.
Is this racist?
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Nearly as bad as Brits using "of" in place of "have", as in "I should of done it" in English, which is very common on forums.
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I'm wondering how he suggests cooking meat at 55/56ºC. That's not even enough to kill salmonella, let alone other wogs.
If global warming continues, maybe just leave it out in the garden for a while?
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I sometimes used to take the Penzance London night sleeper to get to Heathrow when I was commuting overseas from Cornwall. After the terrible fire on the train a few days after my latest trip I flew from Newquay airport and drove a hire car back if too late to fly. Put me off night trains for good.
http://news.bbc.co.uk/onthisday/hi/dates/stories/july/6/newsid_2495000/2495703.stm
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This may be the best driveway we ever had. My uncle, who was still running the family building business, asked one of his friends to give us a good price.
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I'll try again
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Too much work for us at our age!
This is our driveway in March this year.
[url=https://postimg.cc/fVq7P5xy][img]https://i.postimg.cc/rpMhKPs1/IMG-2871.jpg[/img][/url]
Once the dry weather begins, an annual spray with very dilute glyphosate solution keeps it clear of grass and weeds for the rest of the year.
[url=https://postimg.cc/WDwPwFR2][img]https://i.postimg.cc/25P8mh2B/IMG-2720-Floris-Chateau.jpg[/img][/url]
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19 minutes ago, alittlebitfrench said:
How do you know More people would drink/use their mobile phones when driving if it were legal.
How do you know More people would take drugs and drive as well if they were legal.
Your third and forth point could be applied to both drug and non drug users. So that is flawed.
Fifth point, I am a veggie.
Your sixth point, that could apply to anyone of drugs or not.
Lastly, I am not sure what surburban living has got to do with anything.
I grew it in rural world...and....???
Grew what?
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1 hour ago, alittlebitfrench said:
People who drink/use their mobile phones when driving will continue to do so if it is legal or not.
People who take drugs will continue to do so if they are legal or not.
The majority of people who take 'drugs' are harmless. The ones who are not harmless are the ones that supply them.
Why is processed food legal ?
If you want to find the most potent killer on this planet both in terms of its ill effect on humans but also the environment......it tis processed food.
But we don't ban it.
The drugs are not your problem.
Flawed response.
More people would drink/use their mobile phones when driving if it were legal.
More people would take drugs and drive as well if they were legal.
Many people who take 'drugs' are not harmless. The couple who broke into our house (we saw them in court) and stole all our valuables (which were never recovered, as they had sold them for a fix or two) were not harmless.
Neither was the one who broke into our shop, stole tools and equipment and peed and shat all over the floor harmless. he was so drugged up he left clues everywhere and was caught.
Do you buy all your food fresh and process it yourselves?
I have seen people doing dangerous jobs who were away with the fairies and a danger to everyone around them.
Drugs are my and many others' problem, don't dribble your suburban-living tosh.
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So, according to your logic, as I am amazed at the number of people who drink or use their mobile phones when driving, the answer to those problems is to legalise them.
Then we'll be able to improve our driving experience, as they say, by trying to avoid drunken druggies watching Youtube carp on their phones while driving 2 metres behind our rear ends or coming down the wrong side towards us. What fun.
Selling house
in French Finance
Posted
I believe that most Notaires will only transfer the proceeds of a house sale to a French bank account in the name of the seller(s).
There are many companies through which you can transfer money quicker and cheaper than most banks, e.g. https://www.top10moneytransfer.com/send-money-online-fr/?edgetrackerid=100506183990765&gclid=Cj0KCQiAtJeNBhCVARIsANJUJ2GjBl5AmhUbhhv2huO8EBHDLJRUF8gIiDtjsJ7oMtXkpBNCxHwEHEEaAuQWEALw_wcB