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PROPERTY

What international students should know before apartment hunting in Paris

A popular destination for international students, Paris is a tricky place to find accommodation, with very little in the way of university-provided halls and a minefield of traps to avoid. Ingri Bergo shares what she learned as a foreign student.

What international students should know before apartment hunting in Paris
Photo: AFP

When I moved to Paris in 2016, I had virtually no information about how the housing market worked. Naively, I thought I could just sign up with an agency, and get an apartment that same day.

I soon learned the hard way that I was wrong. As a student looking for an apartment in Paris, you won't get any special treatment, but will be chucked into the same rental market as everyone else, competing with people who have jobs and incomes.

Here's a list of the things I wish I had known before starting my apartment hunt:

1. Don't assume you can 'just Airbnb for a month'

Renting an Airbnb while you “figure out” things is a really bad idea. Airbnbs in Paris are expensive and finding a place to rent can take a while. So unless you’re prepared to splurge a lot of cash this way, I’d recommend starting to look early.

Don’t do what I did and start looking a couple of weeks before the semester begins, thinking “it surely can’t be that difficult.” It is.

2. Do your research

That brings us to the next point, which is thorough research. Useful websites to look at are seloger.com, pap.fr, or appartager.com if you are looking for a flat share. Leboncoin.fr – a website where people sell and buy all kinds of things in France –  also has an apartment section.

All these sites can be tricky to navigate for people who don’t speak French. If you struggle, you could check out social media groups such as Plan appart à Paris, Plan Appart étudiant, Plan coloc à Paris and a series of others.

Sometimes these sites can be easier for non-French speakers because some people publish posts in English.

READ ALSO: Being an international student in France: What you need to know

 

Another option is to get a room at the Cité Universitaire student campus in the south of the capital, which hosts thousands of students of different nationalities. Cité Universitaire has a campus of dozens of houses established by different countries.

They are called Maison de Japon, Maison de Norvège, Maison des Etats-Unis, Maison du Liban, etc, but you can apply for a room in a house that does not belong to your home country. Prices vary between the houses, but are generally lower than what you get when looking for apartments in the centre. There is also a gym, a pool and a library that you can access and the premises are just next to the Montsouris park (and living next to a large green space in Paris is quite a luxury).

3. Lower your expectations

Many international students will be slightly shocked when starting to sweep through the Paris housing market, which is notoriously expensive and of poor quality.

Apartments (and not just for students) are generally small. A dishwasher is a luxury most students can't afford. Some apartments don't have washing machines so you may have to get used to popping your dirty clothes in a basket and trotting off to the nearest laundry.

4. But don't accept just anything

Be sure to check that the apartment has what's necessary to actually live in it, especially if you're planning to stay for a few months.

Beware of so-called chambre de bonnes (maids’ rooms), which sounds like something charming but really isn’t. A chambre de bonne is a leftover from back in the days when Parisians had domestics. They are attached to houses or apartments and are often in nice and central areas, but were frequently built without a bathroom or running water, and are sometimes not even legal to rent out (although people still do). 

READ ALSO Almost half of all property rental adverts in Paris are illegal

5. Visit if you can

This can be tricky for students who come from afar, but if you are able to visit the place or get someone else to do it for you, you should. Chances are the apartment does not look at all like the pictures, and you could be saving yourself a big bunch of stress by seeing the place before signing a contract. 

If you can visit AND you speak French, try chatting to the neighbours to see if they have experienced any issues you should beware of – such as loud noises, cockroaches or mice. 

6. Have your 'dossier' ready

This is key, although it's often a confusing point for foreigners.

Before you even start looking at adverts you will need to prepare a dossier that includes proof of identity, financial situation, bank details, work/study situation and proof of your current address. This is the case for all tenancies, not just students.

Whereas in the UK it's more common for landlords or agencies to accept your offer first, then start doing financial checks, in France it's the other way round. Many agencies won't even let you view an apartment unless you have provided a dossier proving that you are an upstanding citizen of sound financial prospects.

READ ALSO: Nine things to expect when renting an apartment in France

This is a common problem for foreign students, who don't have a French bank account or a work contract. Some agencies accept a foreign financial garant (guarantor), and the guarantor will need to prepare a dossier too.

If you don't have access to a financial guarantor, check out GarantMe, which is a startup created by former foreign students in Paris to help others in the same situation get an apartment.

7. You don’t have to live in the centre

Paris' city centre is beautiful and yes, we all would love to live just across from the Sacré-Cœur Basilica, or Notre Dame, or in the buzzing new and hip areas of the 11th arrondissement.

However, Paris is becoming increasingly gentrified, with steep prices pushing people further and further out of the city. As a result, the banlieues (suburbs) are becoming better and better connected to the city centre.

READ ALSO: The grand plans for public transport in Paris in 2020 

Prices drop as soon as you move into the suburbs, and they are far, far nicer than their reputation suggests. For more information about the different Parisian suburbs, check out the link below.

Banlieue boom: No, Paris suburbs are not all deprived and crime-ridden

 

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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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