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LIVING IN FRANCE

PROPERTY

Flat sharing in France: A very weird and wonderful world

Flat sharing is a popular living option in France, but as many people will say - it's not always smooth sailing, writes Hattie Ditton.

Flat sharing in France: A very weird and wonderful world
Photos: Andrew Dyer, Wesley Underwood, slgckgc/ Flickr

If you're in France and looking to make new friends and save a bit of money on rent, then flat sharing, or colocation as the French say, could be a good option for you. 

However, it doesn’t always go strictly to plan.

Of course there are the usual scenarios that you could imagine, complaints of people being too noisy, too messy, too smelly… But that certainly isn’t the worst of it.

What follows are all true stories, from Anglophones in who have at one time of anther lived in France. 

Joe, who has lived in Paris for the past three years, said his first coloc (or flatmate) loved to collect and hoard “anything he could get his hands on” only to store it all in the living room.


(Having to battle your way to the door each morning is far from ideal. Photo: Grap/ WikiCommons)

“You could literally find anything in there, from fridge freezers (three in total) to car registration plates, to a wide selection of unused sex toys”. 

Living with a landlord isn’t uncommon in France either and this can become problematic if the landlord decides to take on something of a parental role.

Ellie, who lived in Lyon, described how her ‘helpful’ landlord became all too comfortable a little too quickly.

“He used to go to the trouble of sorting my dirty laundry and returning it in neat little piles to my bedroom when I wasn’t there,” she said.

“When I asked him not to he told me not to worry as he didn’t mind doing it. That hadn't really been my concern.”

Another woman in Paris described how she was late to spot the warning signs that her lonely flat mate (who was 22 years her senior) and landlord was a little on the unusual side.

When he told her that all food was included in the rent, she thought she had really got lucky.

“Oysters, champagne and fine cheeses were regular features on the evening menu,” she told The Local. 


(Fine cheeses and wine included in rent seem too good to be true? It probably is. Photo: Skeeze, Pixabay)

However, the novelty of being cooked elaborate meals every night soon wore off.

“He would buy far too much food every week and then get angry if I was going out and he had to throw it away,” she said. 

“I'm 24. I felt like I'd moved in with a third parent but I couldn't get annoyed because in his eyes he was being generous,” she added.

Anyone who has lived in France will know that some of the eating habits of the French are a little unexpected, but the next story makes coffee-dipped soggy croissants sound perfectly normal.

Georgia, a young woman who spent a year living in France, said: “Every morning without fail my housemate used to wake up at 5am, open the curtains and tuck into her daily breakfast of an onion, which she would eat like an apple.”

Perhaps she could have tolerated this, were it not for the fact that once she had finished her own delicious breakfast, she would try to very kindly involve Georgia in the morning meal.

“She used to wake me up with a bowl of hot water and hot dogs floating in it,” she said. 

And then there's student life. The Erasmus year is a prime time to live with fellow foreigners and it can be interesting to note how different people adapt in different ways to life in France.

One lucky lady reflected on her year living in a colocation with five Spaniards during her sejour in Toulouse, southern France. 

“They were so low on cash that they would regularly trek to a local wholesalers and bring back entire animal carcasses on the bus,” she said. 


(Imagine this but in your kitchen. Photo: AFP)

“Saturdays were then spent portioning up pigs and lambs in the miniature kitchen, following a regimented system of packaging and labeling each cut to go in the freezer.”

Another Erasmus student, British woman Rachel, said her time in northern France's Lille was spent living with a woman who had rather different nighttime habits to her own. 

“She liked men. And she particularly liked making pasta dishes with those men post-coitus and eating them in bed.

“There was a lull in her active sex life for around two months which left me slightly unnerved as the only sounds I heard from her room were loud, aggressive bangs on the floor and wailing,” she said.

But fear not, there was a perfectly reasonable explanation. 

“She was entering a historical flamenco singing and dancing competition in Spain, and had taken some time off from her social life to focus on training,” the Brit said. 

So, the next time you feel yourself complaining about your housemate, remember it could be a lot worse. 

By Hattie Ditton

Member comments

  1. Thought you’d like to correct this, unless it’s too late: ‘from Anglophones in who have at one time of anther lived in France’

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PROPERTY

French property: What is buying ‘en tontine’?

If you're buying property in France, you might be thinking about buying 'en tontine' - this has advantages especially when it comes to France's strict inheritance laws, but can also have tax implications.

French property: What is buying 'en tontine'?

What is it?

The ‘clause de tontine’ sometimes also known as a ‘clause d’accroissement’ is a clause that is inserted into the property deeds when you are buying a house or apartment.

It can only be inserted during the purchase, and cannot be added later.

It’s basically a ‘group purchase’. It’s most commonly used by unmarried couples who are buying together but it can be used by larger groups too – for example a group of friends buying a holiday home together.

You will have to ask a notaire to draw up the tontine clause during the property purchase and it can only be used if 

  • the parties are equally involved in the financing of the purchase
  • the parties involved have a roughly equal life expectancy (for this reason tontine clauses may be rejected if there is a significant difference in age between the purchasers)

What’s the point of it?

The main reason that people use it is to sidestep France’s strict inheritance laws, which assign that a certain portion of every estate must go to children, at the expense of a partner. 

READ ALSO How France’s strict inheritance laws work

For this reason it is particularly used by couples who have children from previous relationships.

On a property with a tontine clause in effect, when one owner dies their share of the property passes in its entirely to the other member/members of the tontine.

This cuts out children from inheritance, but means that a surviving partner is not evicted from their home in favour of the children of the deceased. 

It also has the advantage of making the intentions of the deceased clear, to avoid arguments among heirs after their death.

It should be noted, however, that the tontine clause only takes in the property that it covers – other assets may be subject to French inheritance law so it’s therefore probably wise to arrange a will, to ensure your wishes for your estate are met.

The surviving party can ask a notaire to update the property deeds to show that they are the sole owner, if they want. Be aware there will be a fee, which could reach four figures for the privilege – and it doesn’t actually involve any change to the property title.

Drawbacks

The advantages of the system are clear, especially for blended families, but there are some potential drawbacks too, which mean that anyone considering buying in this way would be well advised to take proper legal advice before they start.

Inheritance tax – while a tontine will help you to avoid restrictions on inheritance, it does not exempt you from inheritance tax. French inheritance tax is structured according to your relationship to the deceased, and people who are neither married nor related to the deceased pay an eye-watering inheritance tax rate of 60 percent.

The only exception to this top rate of inheritance tax is if the property is your main residence and it is valued at under €76,000 – in that case, tax is paid at a rate of 5.8 percent.

Married couples and family members pay a much lower rate or not tax, but if you’re not married to your tontine co-purchaser, be careful that you’re not lining yourself up for a massive tax bill in future years.

Wealth tax – depending on the value of the property, it could tip you over into the ‘wealth tax’ category when you inherit. France’s wealth tax is a real estate based tax and is levied on anyone who has real estate assets (property and land) worth €1.3 million or more.

The calculation includes property held en tontine.

Tax savings – you might hear tontines being advised as a way to limit your French tax liability.

While this used to be true, changes to tax laws means there are no no significant tax advantages to buying this way – the same is true for buying a property via an SCI, which used to represent a tax saving until the law was tightened up.

Disinheriting family membersOne side effect of the tontine clause on mixed families is to effectively disinherit any children of the first person to die.

Because the property passed to the survivor, under French law, only their direct descendants – rather than any family by marriage – are entitled to automatic inheritance.

That means that the children of the surviving partner will be entitled to the statutory share of the entire asset (between 25 and 30 percent depending on the number of children), but the children of the first person to die will be entitled to nothing. Obviously you can choose to leave them something in your will, but you can only leave them some or all of the estate which is not automatically given to the children on the survivor.

Divorce/dispute – if the members of the tontine split up or (in the case of friends) fall out, then they can either sell the whole property or agree to buy each other out.

However, if one party refuses to sell, then you have very limited legal options – unlike a standard property purchase a tontine is not regarded as joint ownership, so one partner cannot be forced to sell as part of a divorce procedings, for example.

Basically the tontine can only be ended or changed with the agreement of all parties – so if you can’t agree between yourselves then you may be stuck with it.

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