World Citizen Services

world citizen services
checklist
February 2012
Everything you need to know about buying a house
First of all there are some important questions to answer: where do you want to buy a property and will this
property be your principal residence or your holiday home?
The latter question is very important with regards to wealth tax, inheritance tax, structuring the acquisition
etc. Therefore before signing the final deed of sale we strongly recommend you that you discuss your
situation with our International Structurer and Estate Planner Daniëlla van de Putte in order to optimise your
personal situation.
Where to live
There are many real estate agents in the area. We work with 10 acknowledged agencies and we can give
you all the necessary contact details of a real estate agent depending on where you want to buy a house.
Buying a house
After having found your dream house and the seller has accepted your offer, a “compromis de vente”
(preliminary sales contract) will be drawn up. This can be done by the real estate agent or by the notary.
We recommend you to have this done by your notary as he will safeguard your interest unlike the real
estate agent who might be more interested in concluding a sale. The “compromis de vente” should contain
conditions precedent like building permits, urbanisation plans and financing required. You have seven days
to cancel this contract without any reason. After that you will have to pay 10% of the sales price as a
deposit with the notary. The deposit will only be returned if the compromis de vente is cancelled for the non
fulfilment of the conditions precedent. Within 3 months after the signing of the “compromis de vente”, the
final deed (“Acte authentique”) should be signed.
Financing a house
Once you have found the house of your dreams, the question arises what is the best way to finance your
purchase. World Citizen Services goes through all the options with you. Financing your home with your own
capital is not always the best solution. Depending on your specific situation it may be more interesting
to finance your purchase with a mortgage, for which we have various options. Together we can find the
construction that best suits your situation and finance your house from Luxembourg, the Netherlands,
Jersey, Guernsey or Asia.
Home Finder
Azurcollection
Jez Moore
(+33) (0)6 75 14 35 59
[email protected]
www.theazurcollection.com
Real estate valuation and inspection
JHP Valuation
Jacques Perriere
73 Boulevard Edouard Herriot
06200 Nice
(+33) (0)4 93 513 580
(+33) (0)68 65 96 873
www.jhpvaluation.com
Notary
Maître Alexandre KURGANSKY
22, bd Victor Hugo Villa Abbo
06000 NICE
Téléphone: (+33) (0)4 93 16 54 32
E-mail: [email protected]
Maître Laurence Franco
Arnaud & Associés Notaires
8 bis, Av. Jean Médecin - BP 1326
06006 Nice cedex 1
Telephone: (+33) (0)493 621 888
E-mail: [email protected]
International Estate Planning/Fiscal advice
Daniëlla van de Putte
ABN AMRO Private Banking
(+352) (0)621 165 514/ (+33) (0)4 97 03 83 32/83 13
[email protected]
Albert Mulder
CM-Tax
13006 Marseille
(+33) (0)6 07 17 09 10
[email protected]
www.cm-tax.com
Frits Bruijnse
73370 Bourdeau
(+33) (0)6 07 76 13 42
[email protected]
Insurance (house & car)
Axa
www.axa.fr
Generali
www.generali.fr
Verzekering ABN AMRO Hiscox
WESTERZEE France
[email protected]
Kick ROODHUYZEN DE VRIES
(+31) (0)20 6 281 920
107, Avenue de Pierrefeu
[email protected]
F06560 VALBONNE
(+31) (0)20 6 282 473
Telephone: (+33) (0)492 922 333
[email protected]
E-mail: [email protected]
(+31) (0)20 6 281 808
Opening a checking account in France
We advise our clients to open a checking account with a French local bank like BNP Paribas, Credit
Agricole or Société Générale. This is the easiest way to handle daily payments. To open a bank
account you need:
•
passport
•
proof of address of residence
•
a recommendation letter from the bank in the country of residence
A proof of address of residence can be an electricity, gas, water, internet or telephone bill (no cell
phone). A proof of address is basically asked for all important matters like buying a cell phone (with a
contract), opening a bank account, buying a car…
European driver’s licence
You can drive with your EU driver’s licence in France. In case of renewal you have to ask for a new
driver’s licence in France (if France is your country of residence).
For more information:
www.rijbewijs.nl/nl/hebben/hebben.asp#nederlands
www.service-public.fr
Doctor
Jolanda Weerts
L’Aiglon B, centre d’affaires
52, Route de Valbonne
06330 Roquefort les Pins
(+33) (0)4 97 25 71 16
Dentist
Walter van Willigen
2, Boulevard Ardisson
06160 Juan les Pins
(+33) (0)4 93 67 97 47
International schools
CIV (Collège International de Valbonne)
LIV (Lycée International de Valbonne)
www.civfrance.com/CIV/
(+33) (0)4 92 96 52 03 / (+33) (0)4 92 96 52 51
Mougins School
www.mougins-school.com
(+33) (0)4 93 90 15 47
ISN (International School of Nice)
www.isn-nice.com
(+33) (0)4 93 21 04 00
Dutch School:
De Gouden Klomp
www.degoudenklomp.fr
(+33) (0)6 11 16 10 18
Dutch TV
The most efficient way is to order all the necessary material directly in the Netherlands and have it
delivered to France.
Telephone/Internet/TV
Free
www.free.fr
Tel: 1044
SFR
www.sfr.fr
Tel: 1077
Orange
www.orange.fr
Tel: 1014
Mobile phone:
To buy a mobile phone with a provider a proof of address is needed.
Some of the providers are:
•
SFR
•
Orange
•
Bouygues Telecom
Computer advice:
Patrick Brusse
(+33) (0)663 992 606
[email protected]
Electricity
EDF (Electricité De France)
http://bleuciel.edf.com/particuliers-45636.html
(+33) (0)9 69 32 15 15
Water
Lyonnaise des eaux – Suez
www.lyonnaise-des-eaux.fr
(+33) (0)8 10 46 94 69
Veolia eau
www.veoliaeau.com
(+33) (0)1 49 24 49 24
Consulates
Consulate of Germany
34, Av. Henri Matisse, Nice
(+33) (0)4 93 83 55 25
2, Chemin du Ténao, Monaco
(+377) 97 97 49 65
Consulate of Austria
Consulate of Danemark
6, Av. Verdun, Nice
Av. Jean Médecin, Nice
(+33) (0)4 93 87 01 31
(+33) (0)493 853 549
7, Bd. des Moulins, Monaco
74, Bd. d’Italie, Monaco
(+377) 93 30 23 00
(+377) 93 50 02 03
Consulate of the Netherlands
Consulate of Finland
14, rue Rossini, Nice
223, Promenade des Anglais, Nice
(+33) (0)4 93 87 52 94
(+33) (0)6 01 96 83 90
3, Av. de la Costa, Monaco
(+377) 97 70 36 44
Consulate of Belgium
5, Av. Guillaume Apollinaire, Monaco
Consulate of Great Britain
(+377) 93 50 59 89
(+33) (0)4 91 15 72 10
24, Av du Prado Marseille
Consulate of Sweden
24, Bd. Princess Charlotte, Monaco
Consulate of Great Britain
(+377) 97 97 22 22
24, Av. du Prado, Marseille
(+33) (0)4 91 15 72 10
Consulate of Zwitserland
11, Av. St. Michel, Monaco
2, Av. de Grande Bretagne, Monaco
(+377) 93 50 99 54
(+377) 93 15 58 82
Consulate of Norwege
Consulate of Luxembourg
45, rue St Philippe, Nice
4, Bd. des Moulins, Monaco
(+33) (0)492 155 757
(+377) 93 25 30 37
17, Bd. Albert Premier, Monaco
(+377) 97 97 09 00
Moving company
Cadogan Tate
+33 (0) 4 93 90 01 01
www.cadogantate.com
Voerman
www.voerman.com
Radio for local news in English
Riviera Radio 106.5
Monthly newspaper for local information in English
Riviera Times
DISCLAIMER
About ABN AMRO
ABN AMRO Bank N.V. is established at Gustav Mahlerlaan 10, 1082 PP
Amsterdam, 0900 - 00 24 (EUR 0.10 per minute), www.abnamro.nl.
ABN AMRO Bank N.V. has been granted a banking licence by De Nederlandsche
Bank N.V. (Dutch Central Bank) and is entered in the register of the Netherlands
Authority for the Financial Markets (Autoriteit Financiële Markten, AFM). ABN
AMRO Bank N.V. may act as:
•
a supplier of payment, savings and credit products;
•
a broker and consultant for payment, savings, credit and insurance
products;
•
an investment firm for all investment services, investment activities
and non-core services.
ABN AMRO Bank N.V. is entered in the Trade Register of the Amsterdam
Chamber of Commerce under no. 33002587. The VAT identification number is
NL003027144B01.
General disclaimer
The information provided in this document has been drafted by ABN AMRO
Bank N.V. and is intended as general information and is not oriented to your
personal situation. The information may therefore not expressly be regarded as
a recommendation or as a proposal or offer. Decisions made on the basis of the
information in this document are your own responsibility and at your own risk.
Although ABN AMRO attempts to provide accurate, complete and up-todate information, which has been obtained from sources that are considered
reliable, ABN AMRO makes no representations or warranties, express or
implied, as to whether the information provided is accurate, complete or
up-to-date. ABN AMRO assumes no liability for printing and typographical
errors. The information included in this document may be amended without
prior notice. ABN AMRO is not obliged to update or amend the information
included herein.
Neither ABN AMRO nor any of its agents or subcontractors shall be liable for
any damages (including lost profits) arising in any way from the information
provided in this document or for the use thereof.
ABN AMRO, or the relevant owner, retains all rights (including copyright,
trademarks, patents and any other intellectual property right) in relation to all
the information provided in this document (including all texts, graphic material
and logos). The information in this document may not be copied or in published,
distributed or reproduced in any form without the prior written consent of
ABN AMRO or the appropriate consent of the owner. The information in this
document may be printed for your personal use.
World Citizen Services France
ABN AMRO Bank (Valbonne)
107, Avenue de Pierrefeu
06560 Valbonne, France
Tel: +33 4 97 03 83 42
Fax: +33 4 97 03 83 49
World Citizen Services Spain
ABN AMRO Bank (Marbella)
Oficina de Representación en España
Av. José Banús
Edificio Málaga Local 2-B
29660 Marbella, Málaga, Spain
Tel: +34 952 90 88 43
Fax: +34 952 81 48 80
World Citizen Services Curaçao
MeesPierson Curaçao
1, Berg Arrarat, Curaçao
P.O. Box 3860, Curaçao
Tel: +5999 4639 637
Fax: +5999 4615 806
www.worldcitizenservices.com