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LIVING IN FRANCE

What you need to know about PACS v marriage in France

The institution of PACS (a civil partnership) is more than 20 years old and thousands couples in France have registered for one. But what is a PACS and how is it different from getting married?

Wedding and PACS venue, France
A wedding ceremony in Bergheim, eastern France. Photo by SEBASTIEN BOZON / AFP

Whether you choose to enter a PACS (pacte civil de solidarité or ‘civil union’) or go the whole hog and get married in France, it’s best to first find out what each scenario would mean for you and your partner.

The PACS was introduced to France back in 1999 as a way of giving same-sex couples similar rights and benefits to those given to married couples. 

Of course, since 2013 same-sex couple have been able to marry in France but that hasn’t stopped many couples – same-sex and heterosexual – opting for the civil union instead.

It’s become such an accepted part of the landscape that its acronym has become a word – pacsé, meaning people who have entered a civil union – ils sont pacsé = they are in a civil partnership.

But each system has advantages and disadvantages. 

Here’s what you need to know. 

The basics

  • You can get out of a PACS union more easily than a marriage – Divorcing in France can be a lengthy, complicated and expensive process involving lawyers but if you are pacsé all you need to do is send an official letter off to your local court to inform them of your decision. 
  • If you are pacsé you don’t have the same inheritance or adoption rights (more on that below). 
  • You can declare joint taxes, receive the tax benefits of being in a couple, transfer rental contracts between partners, and employers must take PACS into account for time off work for births, deaths, and holidays.
  • The usual rules for being married, such as not already being married to someone else, not being related, and being of sound age and mind, also apply to the PACS.
  • Most residency rights, such as being able to apply for a spouse visa, apply to both married and pacsé couples
  • After becoming either pacsé or married you have to have a single address for official purposes.

Adoption rights

In France, only married couples can jointly adopt a child. 

That means that if you are pacsé and would like to adopt, you only have access to individual adoption which means only one of you would officially be the child’s parent. 

In fact, adoption isn’t all that easy for couples who are married, with the rules stipulating that a couple must have been married for more than two years or over the age of 28 before they apply. 

Health Insurance

In terms of social protection, and particularly health insurance, pacsé couples are considered to be the same as married couples.

Pensions

On the other hand, your partner would not be entitled to your pension in the event of your death if you are pacsé rather than married, even if you have children together. 

Meanwhile a spouse or divorced former spouse is entitled, on a means-tested basis, to a portion of the deceased’s pension.

Taxes 

When it comes to both income tax and wealth tax pacsé couples are treated the same way as married couples. 

READ ALSO Does it make financial sense to get married in France?

Inheritance

One of the biggest differences between a PACS union and a marriage in France is that if you are married, even in the absence of a will, the surviving spouse is automatically entitled to a share of the deceased’s inheritance.

On top of that, the surviving spouse has the automatic right to continue living in the family home. 

However for the surviving person in a pacsé union there is no automatic right to any of the above. Instead you would have to have written a will stipulating those conditions if that is what you would like to happen. 

That means that if you are pacsé then the surviving partner is not as protected as they would be if you were married however you can easily get around this by writing a will. 

READ ALSO How inheritance laws and taxes work in France 

If you are not living in France, you may not be able to be either legally married or pacsé here – full details here.

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PROPERTY

Brits still buying in France despite post-Brexit fall in property sales

New data on property sales revealed a post-Brexit fall in the number of Brits buying second homes in France - but estate agents say that UK buyers are still a big force, but now they're more likely to move to France than buy a holiday home here.

Brits still buying in France despite post-Brexit fall in property sales

The number of Britons buying second homes in France has been falling over the past few years, according to a report from Notaires de France.

While second homes in France remain popular purchases and a significant number of buyers are foreign, the number of Britons buying property in France has fallen steadily and continuously in recent years, according to the Notaires de France report.

Revealed: Where foreigners are buying second homes in France

The data showed that Brits have fallen to fewer than 20 percent of all foreign non-resident purchasers in 2022.

But real estate agents who specialise in helping Brits find properties in France say that the market remains buoyant – but these days people are more likely to make the move permanently.

Joanna Leggett, marketing director at Leggett Immobilier, told The Local: “Where we used to be 50-50 second homes and main residences, it seems to be more like 75 percent to 25 percent now towards permanent homes.”

Brexit has complicated life for British second-home owners in France, who must now either limit their visits to 90 days in every 180 or go through the time-consuming process of getting a short-stay visitor visa. 

But Chloe Williams, sales director with Beaux Villages Immobilier, said that France was still proving a popular market with Britons. 

READ ALSO French property: How to get a mortgage in France

“Comparing the number of enquiries in the first four months of 2024 with 2023, we haven’t seen any reduction in the number of British buyers wanting to know more about buying a property in France,” she said. “In fact, the number of enquiries via our website is higher than this time last year.

“We are still seeing lots of Brits looking to buy a second home to enjoy for holidays and then move permanently for retirement.”

Joanna Leggett, agreed. “There was a massive peak in 2020 where [website hits] went right up. That was the Covid time. But then it dropped right down in 2021. In 2022 it went right back up again. And in 2023, it’s gone back to what the average was [prior to the pandemic]. We’re expecting it to be the same again [in 2024].”

Leggett said that the biggest shift in the market was that Britons were moving away from second homes in favour of moving to France permanently, thanks in part to the rise in remote working.

And Britons entering the second homes market tended to be younger. “We find that the people buying holiday homes through us aren’t retirees that can spend six months in any one go in France,” she said.

“When we look at the average age of our clients, the biggest bulk of them is between 41 and 60. 

“That age group doesn’t get three-month holidays. They probably get five weeks, whenever they can, unless they can work from anywhere – which a lot of people can do, now.”

READ ALSO Explained: How to convert a French second home into your main residence

And post-Brexit bureaucracy is not as off-putting as it could be. Williams explained: “The change in the visa rules post-Brexit has made some buyers hesitate and we have found it helpful to be able to point people towards professional services who can advise on visas.  

“In our experience, the French government is very helpful and welcoming to people wanting to move to France. We also have an expert adviser to whom we can direct people for full support and assistance.”

Leggett, meanwhile, sees hope in efforts to convince the UK and EU parliaments to move ahead with proposals that would allow British second homeowners to stay for longer periods visa-free.

“We’ve seen a huge drop since 2020 … but it’s levelled out again and [interest in French property] doesn’t seem to be going down. If anything, it’s probably going up.”

Both Leggett and Williams agreed that the south-western Nouvelle Aquitaine region was the popular choice among Britons moving to France. 

“Brittany is always popular, but it does seem to have gone down a little bit. And Nouvelle-Aquitaine is definitely the highest. I’m not sure if that’s the influence of TV programmes in the UK though. A Place in the Sun is on every day at different times, and I’m wondering if it’s because they tend to concentrate on those areas that they’re pushing more people there.

“We’ve done quite a few TV shows and we noticed the increase. Even when the Chateau DIY programme came out, it increased the hits to our website by 800 percent. 

“They didn’t all buy chateaux. The increase on looking at chateaux and then looking at something else. It’s just the power of TV.”

READ ALSO Where in France are locals protesting about second-home owners?

Williams, too, said that her experience was that Britons were particularly interested in properties in the warm southwest of the country – tallying with the Notaires’ report which revealed that Britons accounted for 45 percent of all non-French non-resident purchases in Nouvelle Aquitaine region.

“The Dordogne continues to be a very sought after area,” she said, “only a day’s drive from the northern ports and tunnel, it is perfect for a second home in France.   However many people are attracted to value-for-money property in the Haute Vienne and Charente.”

Leggett added: “I would have thought that the Cote d’Azur would have been higher, you know? But it’s too expensive, and Brits don’t have the highest funds. The Americans are actually the highest spend. Their average spend is nearer €600,000, whereas the Brits are coming in at just over €200,000 on average.”

Notaires de France said American buyers tended to focus their French property search on Paris, she said. But they also loved chateaux. “They just love the history which they don’t have in the States,” she said.

READ ALSO 7 tips for finding an apartment in Paris

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