When considering a property purchase in France, international non-resident clients will be exposed to investing in a country they are not familiar with. They will encounter issues of varying nature, requiring explanations and solutions. RFP is the ideal partner to understand these issues and bring competent advice and coherent solutions.
When buying a property, investors have 4 types of issues to consider. Dealing with them efficiently is paramount, especially when amounts invested are substantial:
That's the expertise of the real estate agent.
Which taxes apply to investors (capital gains tax, wealth tax, inheritance and donation tax) and how to optimise the investment. If these questions are usually relatively easy to answer, they can become much more complicated for international clients who have to deal with French law, their home-country law, double taxation agreements, international and European treaties and regulations. This is the task of a tax specialist or a tax lawyer.
Is it more relevant to buy in one person's own name, together with the spouse, split the ownership and usufruct, or use a company ? In this last case, what kind of company, with which shareholders or associates, which statutes, etc. This is the mission of a lawyer or a notaire.
Buying a large property with a mortgage can have several advantages for the investor. This is the task of a financial advisor able to understand and take into account international clients’ fiscal and legal specificities. Ask RFP.
Investors often have several of these objectives and there are several strategies to attain them: with legal solutions, it could be to use of a company (but what type of company?), to split ownership between usufruct and bare-ownership, to choose a specific tax treatment(eg: French « furnished rental » tax regime), etc... with an appropriate financing strategy : a capital repayment or interest only mortgage loan, for which amount, in which currency, with which securities, etc… and often, it will be a bespoke combination of several of these types of solutions. RFP assist investors in analysing the overall situation, to arrive at the best possible compromise and put in place the most appropriate purchasing strategy.
Even if there is today a slow but real convergence between the regulations of the countries, each country still has its history of credit regulations, its financial culture. There are also the habits and old internal rules of the banks. Thanks to partners in various countries, RFP has access to different financing environments and is able to choose the one that best fit the specific profile and needs of the client.
We assist real estate investors in the search of exceptional loans.
Our mission is to provide you with the best possible financial solution and make your investment projects in France an easier experience. Since the beginning, our values have remained the very same.
We start with your situation to find and set up the best suitable financial solution. Our long-time experience with international clients has allowed us to develop a strong and efficient methodology to solve even the most complex cases.