French Mortgage Expert

07/11/2023

✅💶 Refinancement d'une obligation convertible

Nos emprunteurs sont deux fondateurs d’espaces de coworking haut-de-gamme à Paris. Pour faire face au développement et la croissance de la société, nos clients ont contracté deux dettes en 2018 arrivant à maturité en 2024 :

➡ Une obligation convertible de 4 millions d’euros
En général, le financement d’une entreprise est réalisé par les apports en capital, les comptes courants d’associés et les crédits bancaires. Les obligations convertibles en sont une alternative et/ou un complément. Une obligation convertible est un prêt qui, à son terme, peut être remboursé soit en actions de l’entreprises, soit en numéraire. Elle s’apparente donc à une option d’achat sur les actions. Ce mécanisme de financement permet à des investisseurs qui ne souhaitent pas prendre le risque d’entrer immédiatement au capital d’une entreprise de tout de même bénéficier du développement de celle-ci.

➡ Une obligation sèche de 600 000 euros
Une obligation sèche est l’équivalent d’un prêt in fine avec un taux plus élevé que celui de la dette bancaire.

👉 Nous avons obtenu un co-financement avec deux de nos partenaires bancaires afin de solder les deux obligations ci-dessus
▪ 1 000 000€ sur 60 mois à 5%.
▪ 2 000 000€ sur 60 mois à 4.8%

Pour faire face au développement de leur activité, certaines sociétés contractent des obligations convertibles. Nous les refinançons...

21/09/2023

According to Choose Paris Region, the Ile-de-France region has 1.7 million international residents as well as 15,000 international companies, including a large number of financial institutions.

As well as culture, history and gastronomy, foreign expatriates in France can benefit from tax benefits under the expatriate tax regime.

This tax regime for foreigners who live and work in France applies to those who previously lived outside France. To benefit from this regime, expatriates must not have been French tax residents in the five calendar years preceding the date on which they began working for a company established in France.

To know more about the special expatriate tax regime ➡ https://french-mortgage-expert.com/special-expatriate-tax-regime-in-france/

To benefit from the special expatriate tax regime in France, expatriates must not have been French tax residents in the 5 calendar years..

13/09/2023

"Back to school now" ! If you are new in France, please note that there are still some availabilities with some internationals schools in France for school year 2023/2024.
This is particularly the case of the Ecole Internationale Bilingue - EIB Paris.

Still hesitant about which school is best for your kids and would like to send them to an international school ? Find out more about our ranking of the best international schools here👇
https://french-mortgage-expert.com/best-international-french-schools/

Also, if you would like to profit from your stay in France to buy your own place, please contact us now to prepare your financing:
📩 [email protected]
📱 +33 (0)1 83 79 32 99

This is a starting point for looking for accommodation to rent or buy with the help of a mortgage. Here is a ranking of the best...

20/07/2023

🏝 During this summer season, our financing solutions are taking the sunshine with them !

We have developed new banking partnerships to help financing your clients looking for high-end real estate in the Balearic Islands (Ibiza, Majorca and Minorca).

We can assist French individuals wishing to buy a prestigious property in Spain, but also on a case-by-case basis buyers from the United Kingdom, the United States, Canada, the Netherlands and Germany.
Are you or your clients in this situation with a luxury estate project in this area ?

Contact us:
📩 [email protected]
📱 +33(0)1 83 79 32 99
or online: https://french-mortgage-expert.com/

28/10/2020

💡🏡What is the difference between usufructuary and bare owner ?

The separation of the ownership of a property unites the bare owner and the usufructuary. Both must respect the rights of each party and the durability of the property. The same applies to third parties in conflict. Details about the difference between usufructuary and bare owner.

Separation of the ownership of a property consists of separating bare ownership and usufruct. This principle applies to real estate, but also to works of art or company shares, for example. It is of interest to make a donation during one’s lifetime or to reduce the tax bill. But there is a difference between usufructuary and bare owner. Indeed, only the usufruct is taken into account for the real estate wealth tax (IFI) and the income from the use of the property for income tax. To sum up, the bare owner has the right to sell the property, but may neither use it nor reap the benefits. He is therefore not taxed. The usufructuary holds these last two rights, but not the right to sell. However, a shared “destiny” exists between the two...

Link to full article 👉 https://bit.ly/34wxGOi

The separation of the ownership of a property unites the bare owner and the usufructuary. Here are some details about their distinction.

23/07/2020

🇨🇵 Mortgage loans: differences between France and the United Kingdom 🇬🇧

On both sides of the Channel, you can get a mortgage loan. Although the operation is similar, in truth everything is different.

Regardless of the nature of the loan and the country in which you wish to obtain a mortgage loan, there are immutable criteria: have sufficient income to repay monthly payments, a deposit, assets, etc. But these criteria are not understood in the same way in France and the United Kingdom.

What you need to know. 👇

To get a mortgage loan in France or in the United Kingdom, you need to know the loan criteria which are different. In Britain, banks are interested in asset

19/03/2020

🏠 In order to properly estimate this profitability, it is necessary to anticipate and calculate all the costs related to the property, such as management fees. Entrusting management to an agency has a number of advantages, particularly if you have made your rental investment in another city for reasons of profitability.
👇 Update on rental management.

Should the rental of your property be entrusted to an agency? Rental management fees represent 4 to 8% of the rent including tax, so there is a cost.

28/02/2020

🌍🏠 Home equity loan for a 🇫🇷French-Spanish🇪🇸 couple resident in 📍Germany

We obtained financing for this couple in Munich of €400,000 in cash by taking on a villa in Biot as security. The clients may use this amount as they wish, and in particular to finance the children’s studies, work on the villa and repay consumer loans. The financing was obtained at a fixed rate of 2.70% over 17 years, with insurance delegated at 0.12% for this 45 year-old couple.

All our achievements are here 👉 https://www.french-mortgage-expert.com/our-achievements-in…/

13/02/2020

🏡🌊 Financing of a rental home for a 🇫🇷Franco-American🇺🇸 couple residing in Kenya🇰🇪

We financed a couple who decided to purchase a rental/secondary residence in the Vendée region. Financing was obtained for 80% of the acquisition price (€190K) at a rate of 2% over 20 years. Difficulties of the case : US person with a sensitive country of residence vis-à-vis the compliance departments of banks.

All our achievements 👉 https://www.french-mortgage-expert.com/our-achievements-international-buyers/

24/01/2020

🏘 While it is difficult, but not impossible, to buy in Paris, several municipalities bordering the capital offer great opportunities.
An overview of these attractive municipalities 👇

It's difficult to buy in Paris, but several municipalities in the inner suburbs offer great opportunities. An overview of these attractive municipalities.

09/01/2020

📈🏠 Despite the social movements of recent months, real estate in Paris remains attractive and prices continue to rise. An increase of 6.1% over one year was recorded at the end of September 2019 according to the study of the notaries of Grand Paris.

Real estate prices continue to break records in Paris: an increase of 6.1% over a year was recorded at the end of September.

19/12/2019

🏔🎿 Luxury real estate in the French Alps is very popular with both national and international buyers. Northern Europeans contributed to the increase in transactions last year, particularly in Val-d’Isère.
👇 An update on this high-end alpine market.

High-end real estate in the Alps is doing well. Investors are now looking to profit from their purchase to generate a return ...