Author: The ESREA France Team

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Photo Nice Carnival 2014 king of Gastronomie

The Town of Nice on the French Riviera is one of the current 20 best to invest in France and Nice is also home to an annual spectacular Carnival.

We received a picture ‘hot off the presses‘ from a reader who was at the opening night in Nice of the Nice Carnival 2014.

This year the King of the Carnival, is King of Gastronomie, in the background you can see the Queen. Look at the size of these moving displays! Compare to the street lamps and people!

King of Nice Carnival Gastronomie 2014

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What is the Loi Hamon and how does it relate to French Mortgage Insurance?

Named after the French minister Benoit Hamon, the focus of this law is to protect the French consumer.

One of the key elements of this new law is that the consumer now has the opportunity to cancel the mortgage insurance they obtained from their bank and replace it with a less expensive but equivalent type of mortgage insurance within the first year of the signing of the mortgage. Make sure you check all details with your bank to verify what is possible.

A great way for you to keep up to date on the French mortgage market is to be in touch with an English speaking French mortgage broker. If you would like  assistance to find an English speaking French mortgage broker contact us today.

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What does the French banking term OAT mean?

French Treasury bonds ‘Les Obligations Assimilables du Tresor are known by their acronym OAT.

According to our research, these French government bonds are issued for a period of minimum 5 years and maximum of 50 years. This type of credit is credit of the French state and therefore the bonds are a debt of the French State and guaranteed by the French state. Learn more in French here.

NEWS: Have you seen our French real estate buyer’s guide that comes with a 100 percent money back guarantee? Here it is

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Are French Mortgage Rates Still Attractive?

If you are interested in buying French property you know one of the key elements related to your purchasing power is the French mortgage interest rates.

The good news is that the French mortgage rates are still low but it many not remain this way for long.

According to the latest report from the French mortgage broker EMPRUNTIS the average French mortgage interest rates increased very slightly by 0.05 percent.

According to EMPRUNTIS the average rate for a 15 year French mortgage is now 3.15 percent.

Read the original article in French here

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How much is the increase in French notary fees?

French real estate just went up in price without the price changing.

As of the 1st of March 2014, in the majority of French departments, the legal fees paid by the buyer of a French property increase approximately 1 percent.

This one percent increase is a result of the increase in French government transfer duties and the increase in the French VAT called TVA.

Overall, as of March 1st 2014 French notary fees are 8 to 9 percent of the purchase price of the property.

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