Author: The ESREA France Team

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Why is the consumer protection law in France called ‘la loi Scrivener’?

French Riviera Mansion and Hotel

The reason why the consumer protection law in France is called ‘la loi scrivener’ is because they were drafted by a person called Scrivener, Christiane Scrivener to be exact.

The ‘Loi Scrivener’ is one reason why French property buyers have to have their offer of financing in writing. The loi (law) also states that the French property buyer also has the right to the ten day mortgage cooling off period and more.

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In France what does the Ten day mortgage cooling off period refer to?

French Stone Tower

There is a French law that states when you are buying a French property with financing once you receive a loan offer from a French banking institution you cannot accept immediately the loan.

You must wait a ten day cooling off period. After the ten days you can accept the loan.

We believe your acceptance of the loan must take place within 30 days of the loan offer from the bank.

It is important to note there is also a special way you must accept the offer.

Date of Posting September 2013, please take the time to confirm these details with your French real estate notary and French banker to make sure this information is still current.

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What is a marchand de biens in French real estate ?

Cannon Ball House in France

The easiest way to explain what a ‘marchand de biens’ is in terms of French real estate, is that a marchand de biens is an individual who buys properties repeatedly with the intention to re sell the properties for a profit. He or she is a professional property investor who typically looks to buy low, typically renovate and sell at a higher price.

We understand that at this time (September 2013) a Marchand de biens has a special tax status relating to the fees they pay to notaries.

If you plan on becoming a marchand de bien in France it is a good idea to speak with an English speaking notary and tax adviser before you start to shop for investments. Notary of France website

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What is the French name for a lawyer?

French Stone House Entrance

This is a great question since online you find many different responses. When we asked our English speaking French real estate agents what is the French name for a lawyer we found out in France a lawyer is called an ‘Avocat’.

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If I have a French property lawyer do I need a French tax adviser?

Bonifacio Corsica

When you hire a French real estate lawyer you may wonder if you need a French tax adviser. This is a very good question. It is recommended that you see a French tax adviser unless you know a French property lawyer who is also a French tax specialist.

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Note: Details on our 110 Tip electronic French real estate buyer’s guide plus checklists is here.

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