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What is a Frais d’etudes or frais de dossier in French banking?

When you buy a French property with bank financing the French bank may charge you a Frais d’etudes or frais de dossier which is an administration fee to put together your file. This is not always payable but it could be and it may be a large amount so always ask your French bank for more details about the costs you will be asked to pay and get this response in writing.

If you need more information it is best to contact an English speaking French banker or mortgage broker. We can help put you in contact with one click to contact us here.

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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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What is the Euribor Interest Rate?

When you are buying a French property involving financing the Euribor Interest Rate will be of interest to you since French interest rates being in Euros are based on the Euribor interest rate.

The Euribor (Euro Interbank Offered Rate is a daily reference rate based on the averaged interest rates which Eurozone banks offer to lend unsecured funds to other banks.

If you need more information it is best to contact an English speaking French banker or mortgage broker. We can help put you in contact click to contact us here.

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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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What is a Pret Immobilier in a French real estate transaction?

When you go to buy a property in France and you need financing you will obtain a mortgage, in France a mortgage is called ‘Pret Immobilier’.

To obtain a ‘Pret Immobilier’ in France at this time is a complicated process and your property purchase agreement needs to allow 45 days for you to obtain your finance.

Important: confirm this timing with your French Notary and French banker.

In addition, make sure you know all you need to obtain a mortgage in France before you go shopping for a property.  Let us assist you by placing you in contact with an English speaking French banker or English speaking French Courtier. You have no obligation to work with the person. We simply want to offer you assistance to find someone who can help you in your native language. Simply go here to contact us.

Below you can get your free introduction ebook about French real estate mistakes to avoid

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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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What is a Courtier in a French real estate transaction?

In France the word ‘Courtier’ is used to describe the work of a mortgage broker. He or she does the work of assessing your financial capability and searches for the best priced loan for you.

Note: Coutiers in France typically charge you a fee for their services, they may also receive a fee from the bank that obtains your mortgage.

If you would like to speak with an English speaking French mortgage broker to find out how to qualify for a bank loan in France contact us here.

Below you can get your free introduction ebook about French real estate mistakes to avoid

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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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What is a projet de compromis de vente in a French real estate transaction?

what is project de vente

In a French property transaction the notary or notaries involved will send a draft copy of the compromis de vente to both the buyer and seller.

They do this so all parties can review the document and request any changes or corrections made before the day when all parties meet to sign the compromis de vente in the presence of a French Notary.

This draft of the compromis de vente is called a projet de compromis de vente.

When reviewing the projet de compromis de vente it is really important you understand what you are reading. Take the time to have a professional translator or your English speaking French notary who can translate and explain the details to you.

Below you can get your free introduction ebook about French real estate mistakes to avoid

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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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