Step 1: Find a notary

Notaire is the French of the notary, and this step is necessary. You can use a notaire for both buyers and sellers, but I suggest that it is best not to use it, because each notaire will definitely focus on its own customers' interests, and it will be necessary for notaire to solve whatever happens afterwards, so it is very important to find a good notaire. Notaire in France is a state organ, and the price is set by the state, which is 7.2% of the total house price, and there are corresponding counterpart areas, so if you want to find your original address or work place, people will not pick up the case that is too far away. We are looking for a firm in Chaville, which is very serious and responsible, and has solved many problems for us. We are very satisfied, and Amway is here for everyone. After looking for notaire, everything about the house will be negotiated by both parties, that is, only your notaire will tell you what to do next, and buyers and sellers do not need to contact each other privately. (Unless you want to look at the house again, or buy the landlord's furniture blabla) At this point, your experience of buying a house has basically officially begun.

Step 2: Sign CompromisEvente

Compromis means arbitration agreement and settlement contract. According to my own understanding, this contract means that the buyer has decided to buy a house and pay 1% of the total house price as a deposit. And the seller can't go back on his word after signing the contract, and can't sell the house to others. At the same time, if the buyer does not find a loan later, it can be unscathed by the bank's refusal. After signing this contract, the buyer has 7 days to consider, and can cancel the purchase without reason within 7 days. This contract was signed in the notaire office of the seller, and the buyer and the notary must also be present.

Step 3: Find a loan

Finding a loan is a big problem we encounter. Big banks like BNP, SG and LCL have many regulations on loans and residence, and generally do not accept foreigners. I recommend LaBankpostale, CA and CIC. Similarly, find a bank near your work place or new address. Some banks will directly refuse your request for no reason. Some banks will ask RDV to do Simulation with you, and judge whether to lend you money according to your salary level. Generally speaking, a person's repayment ability cannot exceed 33% of his after-tax salary. Finding a loan is a matter of personality. I have a friend who searched all kinds of banks at first, but no one lent him any money. He almost couldn't buy a house. Finally, CIC saved him. Later, my friend recommended CIC as a conseiller, but Goose CIC refused to save us ... As for the loan interest rate, every bank will be different. Take myself as an example, the interest rate is 1.6% for eight years, plus the insurance of 16 euros per month. Notaire usually gives you a month to find a loan.

Step 4: Give money

There are two kinds here, parents giving and not giving. If you don't give it, it will be very relaxed and happy. Confirm the loan amount with the bank and call notaire. Here is mainly about parents' gifts. There was an article about the idea before, which was very detailed. You can go and have a look. But to sum up, in order to file tax returns in advance, both parents should pay a limit of $5, a year, and then tell the bank in advance. It's very important to talk to the bank in advance. Don't look for the front desk, just look for your conseiller. They will tell you the materials you need to prepare in advance, which are generally

Cerfa tax forms, attendance cancellation, scanned ID cards of both parents, proof of transfer, and transfer flow. PS: Notaire only accepts transfers, not cash and checks.

Step 5: Sign the contract

Next comes the most exciting moment! After a series of troubles, I finally paid all the money to notaire, and then I waited for notaire to inform me of the specific date of signing the contract. The place of signing the contract this time is the notaire office of the buyer, and the seller and the seller's notary must all be present. After your notary blabla read a bunch of things, it is the official signing of the contract and the handover of housing materials and keys. At this time, you can't get the real estate license, and notaire will send it to you about three months after signing the contract.