 |
 FRANCE MAP POSTER PRINT Plan de la Ville de Paris 1715 $55.99 Time Remaining: 21d 14h 10m Buy It Now for only: $55.99 |
 BATTLE PLAN Jagerndorf from France 18 19 Century Framed $20.00 Time Remaining: 9h 12m |
 General Plan of Marly France Seine River nice c1705 antique engraved folio view $39.96 Time Remaining: 3d 17h 20m Buy It Now for only: $39.96 |
 Chateau de Richielieu France architecture plan c1715 antique de Fer folio view $35.96 Time Remaining: 3d 17h 19m Buy It Now for only: $35.96 |
 1855 ANTIQUE MAP COLOR France Pyrenees Plan of Perpignan $13.04 Time Remaining: 20d 19h 26m Buy It Now for only: $13.04 |
 Inde India Pondichery city plan France 1835 Hugo $19.96 Time Remaining: 14d 17h 1m Buy It Now for only: $19.96 |
 ARCHITECTURE PRINT France Train Stations at Versailles Pecq Plans Views $19.14 Time Remaining: 21d 22h 37m Buy It Now for only: $19.14 |
 1855 ANTIQUE MAP COLOR France Saonr Loire Depts Plan of Macon $14.99 Time Remaining: 20d 19h 26m Buy It Now for only: $14.99 |
 BATTLE PLAN Lowositz from France 18 19 Century Framed $20.00 Time Remaining: 9h 20m |
 1949 Lithograph Vintage Street Map Arcachon France City Civic Planning Layout $43.95 Time Remaining: 28d 23h 15m Buy It Now for only: $43.95 |
 1949 Lithograph Vintage Street Map Nimes France City Planning French Landmarks $45.95 Time Remaining: 28d 23h 15m Buy It Now for only: $45.95 |
 1949 Lithograph Vintage Street Map Versailles France Civic Planning City Layout $45.95 Time Remaining: 28d 23h 15m Buy It Now for only: $45.95 |
 1949 Lithograph Vintage Street Map Landmarks Nancy France City Planning Civic $45.95 Time Remaining: 28d 23h 16m Buy It Now for only: $45.95 |
 1949 Lithograph Vintage Street Map Landmarks Le Mans France City Planning Layout $45.95 Time Remaining: 28d 23h 15m Buy It Now for only: $45.95 |
 1949 Lithograph Vintage Street Map Landmarks Lille France City Planning Civic $51.95 Time Remaining: 28d 19h 24m Buy It Now for only: $51.95 |
 2 Antique Prints VAULUISANT ABBEY FRANCE ARCHITECT GROUND PLAN Diderot 1751 $39.99 Time Remaining: 1d 1h 11m Buy It Now for only: $57.50 |
 1949 Lithograph Vintage Street Map Caen France Landmarks City Planning Layout $46.95 Time Remaining: 28d 19h 51m Buy It Now for only: $46.95 |
 1949 Lithograph Vintage Street Map Landmarks Grenoble France City Planning Civic $46.95 Time Remaining: 28d 19h 52m Buy It Now for only: $46.95 |
 1949 Lithograph Vintage Street Map Landmarks Toulouse France City Planning Civic $46.95 Time Remaining: 28d 19h 52m Buy It Now for only: $46.95 |
 1949 Lithograph Vintage Street Map Landmarks Royan France City Planning Layout $45.95 Time Remaining: 28d 20h 18m Buy It Now for only: $45.95 |
 1949 Lithograph Vintage Street Map Reims France City Planning Civic Layout $45.95 Time Remaining: 28d 20h 18m Buy It Now for only: $45.95 |
 1949 Lithograph Vintage Street Map Landmarks Cannes France City Planning Civic $45.95 Time Remaining: 28d 20h 19m Buy It Now for only: $45.95 |
 BATTLE PLAN Tourcoing from France 19th Century Handcoloured Framed $20.00 Time Remaining: 9h 29m |
 1949 Lithograph Vintage Street Map Landmarks Rouen France City Planning Civic $52.95 Time Remaining: 28d 20h 25m Buy It Now for only: $52.95 |
 1770 Copper Engraving Architectural Plan Theatre Palais Royal Paris France Opera $450.00 Time Remaining: 28d 20h 18m Buy It Now for only: $450.00 |
 1770 Copper Engraving Architectural Plan Boxes Theatre Palais Royal Paris France $450.00 Time Remaining: 28d 20h 18m Buy It Now for only: $450.00 |
 1770 Copper Engraving Architectural Plan Opera Theatre Montpellier Metz France $410.00 Time Remaining: 28d 20h 18m Buy It Now for only: $410.00 |
 1770 Copper Engraving Architectural Plan Balcony Odeon Theatre Paris France $380.00 Time Remaining: 28d 20h 18m Buy It Now for only: $380.00 |
 1770 Copper Engraving Architectural Plan Main Floor Odeon Theatre Paris France $395.00 Time Remaining: 28d 20h 18m Buy It Now for only: $395.00 |
 BATTLE PLAN Kollin from France 18th 19th Century Framed $20.00 Time Remaining: 9h 33m |
 Paris France Catacombs tunnel plan c 1822 antique engraved print $19.96 Time Remaining: 19d 20h 21m Buy It Now for only: $19.96 |
 Hotel Royal plan Paris France beautiful 1705 de Fer antique folio engraved view $35.96 Time Remaining: 2d 15h 58m Buy It Now for only: $35.96 |
 The Temple Paris France 1903 Original Plan $139.00 Time Remaining: 29d 20h 27m Buy It Now for only: $139.00 |
 Le Bois de Boulogne France regional plan nice c1705 antique de Fer folio view $35.96 Time Remaining: 3d 15h 37m Buy It Now for only: $35.96 |
 ARCHITECTURE PRINT France Residence on Rue Dumont dUrville View Plans $16.60 Time Remaining: 26d 20h 40m Buy It Now for only: $16.60 |
 ARCHITECTURE 2 PRINTS France Chapel of Seminary at Seez View Plan $22.00 Time Remaining: 8d 22h 34m Buy It Now for only: $22.00 |
 BATTLE PLAN Nerwinden from France 19th Century Handcoloured Framed $20.00 Time Remaining: 9h 36m |
 France Paris Tuileries Swing Bridge Plan Architecture 1864 Antique Print $19.99 Time Remaining: 16d 8h 31m Buy It Now for only: $19.99 |
 Latin Quarter Sketches Paris France Original Plan $59.00 Time Remaining: 2d 23h 5m Buy It Now for only: $59.00 |
 Wrought Iron Work Versailles France Original Plan $59.00 Time Remaining: 2d 23h 8m Buy It Now for only: $59.00 |
 Lighthouse Ar Men France 1887 Original Plan $59.00 Time Remaining: 2d 21h 45m Buy It Now for only: $59.00 |
 Belfry of Nantes France 1898 Original Plan $59.00 Time Remaining: 2d 21h 57m Buy It Now for only: $59.00 |
 Artesian Well Paris France 1877 Original Plan $59.00 Time Remaining: 2d 23h 5m Buy It Now for only: $59.00 |
 BATTLE PLAN Leuthen from France 18th 19th Century Framed $20.00 Time Remaining: 9h 40m |
 Louis XV Stair Case Railing Paris France Orig Plan $59.00 Time Remaining: 2d 21h 46m Buy It Now for only: $59.00 |
 France Different Plan Elevation Home Architecture1865 Antique Print $18.99 Time Remaining: 12d 5h 7m Buy It Now for only: $18.99 |
 Chateau de Goulaine Nantes France 1877 Orig Plan $59.00 Time Remaining: 2d 21h 57m Buy It Now for only: $59.00 |
 Church Portal St Gilles France 1893 Original Plan $139.00 Time Remaining: 1d 22h 55m Buy It Now for only: $139.00 |
 France Marseilles Joliette Arenc Neighborhoods Plan 1867 Antique Print $26.99 Time Remaining: 12d 4h 45m Buy It Now for only: $26.99 |
 Plan of Attack on St Venant France Harrewyn c1710 folio antique battle plan $35.96 Time Remaining: 11d 18h 17m Buy It Now for only: $35.96 |
 BATTLE PLAN Jemmappe from France 19 Century Handcoloured Framed $20.00 Time Remaining: 9h 8m |
 France Paris Nantes Nice Savoie St Etienne Plan Map 1864 Antique Print $22.99 Time Remaining: 14d 9h 13m Buy It Now for only: $22.99 |
 Antique Map Plan ARMENTIERES FRANCE Beaulieu 1667 $94.50 Time Remaining: 14d 20h 43m Buy It Now for only: $94.50 |
 Antique Map Plan COMINES KOMEN FRANCE Beaulieu 1667 $94.50 Time Remaining: 18d 15h 16m Buy It Now for only: $94.50 |
 Plan of Royal Church Paris France nice 1714 de Fer antique folio engraved view $39.96 Time Remaining: 2d 15h 57m Buy It Now for only: $39.96 |
 Antique Map Plan VALENCIENNES FRANCE Beaulieu 1667 $94.50 Time Remaining: 18d 15h 31m Buy It Now for only: $94.50 |
 Antique Map Plan MAUBEUGE FRANCE Beaulieu 1667 $94.50 Time Remaining: 18d 15h 37m Buy It Now for only: $94.50 |
 BATTLE PLAN Fleurus from France 19 Century Handcoloured Framed $20.00 Time Remaining: 9h 17m |
 Antique Map Plan MONTMEDY FRANCE Beaulieu 1667 $94.50 Time Remaining: 18d 15h 49m Buy It Now for only: $94.50 |
 Antique Map Plan DUNKERQUE DUNKIRK FRANCE Beaulieu 1667 $99.50 Time Remaining: 4d 21h 26m Buy It Now for only: $99.50 |
 Antique Map Plan BURBURG COLME FRANCE Beaulieu 1667 $94.50 Time Remaining: 18d 15h 6m Buy It Now for only: $94.50 |
 Antique Map Plan DUNKERQUE DUNKIRK FRANCE Beaulieu 1667 $94.50 Time Remaining: 18d 15h 8m Buy It Now for only: $94.50 |
 Antique Map Plan SAINT WINOCQ FRANCE Beaulieu 1667 $99.50 Time Remaining: 18d 15h 9m Buy It Now for only: $99.50 |
 Antique Map Plan DOUAI DOUAY FRANCE Beaulieu 1667 $99.50 Time Remaining: 18d 15h 20m Buy It Now for only: $99.50 |
 BATTLE PLAN Bunzelwitz from France 1809 Handcoloured Framed $20.00 Time Remaining: 9h 25m |
 Antique Map Plan BOUCHAIN ESCAUT FRANCE Beaulieu 1667 $94.50 Time Remaining: 18d 15h 32m Buy It Now for only: $94.50 |
 Antique Map Plan LE QUESNOY MARAIS FRANCE Beaulieu 1667 $94.50 Time Remaining: 18d 15h 33m Buy It Now for only: $94.50 |
 Antique Map Plan AVESNES HESPRE FRANCE Beaulieu 1667 $94.50 Time Remaining: 18d 15h 35m Buy It Now for only: $94.50 |
 Antique Map Plan CONDE ESCAUT FRANCE Beaulieu 1667 $94.50 Time Remaining: 18d 15h 36m Buy It Now for only: $94.50 |
 France Cannes Ile St Marguerite Plan General View Landscape1874 Antique Print $59.99 Time Remaining: 21d 5h 46m Buy It Now for only: $59.99 |
 Antique Map Plan ANVILLIER FRANCE Beaulieu 1667 $74.50 Time Remaining: 4d 21h 31m Buy It Now for only: $74.50 |
 1891 Original LE HAVRE France Lithograph Print Map Plan Buildings Streets Paris $0.99 Time Remaining: 1d 20h 54m |
 Antique Map Plan FORT LINCK COLME FRANCE Beaulieu 1667 $74.50 Time Remaining: 14d 23h 28m Buy It Now for only: $74.50 |
 Antique Map Plan FORT MARDYCK FRANCE Beaulieu 1667 $74.50 Time Remaining: 18d 15h 7m Buy It Now for only: $74.50 |
 Antique Map Plan MONT CASSEL FRANCE Beaulieu 1667 $74.50 Time Remaining: 18d 15h 14m Buy It Now for only: $74.50 |
 Antique Map Plan LILLE RIJSSEL FRANCE Beaulieu 1667 $74.50 Time Remaining: 18d 15h 20m Buy It Now for only: $74.50 |
 Antique Map Plan CAMBRESIS CHATEAU FRANCE Beaulieu 1667 $74.50 Time Remaining: 18d 15h 29m Buy It Now for only: $74.50 |
France Plan
Your finances in France
Finance and investments in France are not particularly different from the UK. There is a double taxation agreement which means that tax paid in one country acts as a credit in the other. But when it comes to some types of investments the rules can be different and it is a good idea to seek professional advice before deciding whether to transfer assets to France or leave them in the UK. Investments that have been set up to be tax efficient in the UK may not be as effective in France. But in general nearly every kind of investment found in the UK has an equivalent in France. The most important thing to remember is to seek sound advice regarding savings and investments from an adviser who is aware of the French tax authority's views on UK products such as PEPs/ISAS, and knows the differences between the French and UK financial environments.
Bank accounts:
To handle your day-to-day finances you will need to open a bank account and as in the UK, this is a relatively simple process in France. Opening a bank account means simply going into your local bank and filling in the forms. Identification such as your passport and a utility bill are usually required. Cheque books and debit cards usually arrive within a couple of days. However the operating rules in France are different and writing a cheque on an overdrawn account is illegal. You can be fined and even banned from owning a cheque book. Fees are generally higher and you will probably pay for each transaction as well as an annual charge for your debit card. French banks will allow you to pay in cheques in sterling but they will charge extra and tend to discourage customers from doing this regularly. Cash withdrawals on your card are always debited immediately but with other transactions, you have a choice between immediate or at the end of each month. Banks also offer deposit accounts, tax free accounts (up to a certain limit) and special account for young people aged under 25.
Non French bank accounts:
There is no reason why you can't keep your UK bank account when you move to France. But you will need to check with your bank that this is okay and notify them of your change of address. Retaining a UK bank account can be very useful for when you return for trips or holidays or for when buying over the internet from UK suppliers. Some goods, for example greenhouses, are cheaper to buy in the UK even with delivery costs and having a UK sterling bank account makes this easier. You are legally required by the French tax authorities to declare all foreign bank accounts.
Currency transfers:
Currency fluctuations can have a serious effect on your income if you are relying, for example, on a UK pension in sterling that is transferred into your euro bank account. There are many foreign exchange specialists that offer forward contract services and you fix a currency rate for up to two years and effectively protecting yourself against major currency fluctuations. Regular payments plans are also available through currency brokers. Another currency protection option is to create a buffer investment by putting any surplus capital into euro investments.
Budgeting:
As you retire and draw your final salary, the day-to-day cost of living becomes ever more important. Working out your monthly living costs and creating a yearly plan of unavoidable outgoing costs can help with planning. Taking the time to shop around for the best deals could potentially save hundreds of euros and having an emergency cash reserve that is easily accessible can help avoid sudden large payouts.
Bank loans:
Banks and other lenders operate in a very similar manner to those in the UK although they do tend to be more cautious and ask for more information. To take out an unsecured loan you need to be resident in France and have a steady income. You need to provide proof of your income and there is a credit scoring system as in the UK. Many lenders charge an administrative fee and some require life insurance to be taken out. Types of loans are very similar to those available in the UK. Personal loans are usually for three months to five years and can be for any purpose. There are also car loans and home improvement loans.
Taxes:
There are two kinds of local tax, both based on the notional letting value of the property. The taxe foncière is paid by the owner. The taxe d'habitation is paid by the occupiers, regardless of whether they are tenants or owners. The amount varies from commune to commune and is means tested. If you are retired, you may get a reduction or be exempt. The French direct tax system is complicated and all taxation is through self-assessment. When you move to France, it is your responsibility to obtain a tax return from your local Inspecteur des Impôts. You are taxed as a family unit, with each spouse and dependent child being considered to earn a share of the household income. Unlike the UK, the tax year runs from 1st January to 31st December. The tax return, the déclaration des revenus, must be returned by the end of May. If done online the deadlines are a little later. There are fines and penalties for late returns. Tax is paid in the year following the year in which the income was earned. Wealth tax – l'impôt de solidarité sur la fortune – is tax on the value of your assets on the 1st January each year. The tax is payable on a banded system over and above a nil rate threshold. If you plan ahead, preferably before you move to France, you can legitimately put many of your investments out of the reach of the French tax system.
About the Author
Matthieu Cany is Managing Director of Sextant French Property
I plan to visit the Loire valley (France) in late March. Will the vinyards will be open for tours?
Also, where is the best town to stay in the Valley in terms of both nightlife and accessibility from Paris?
The Loire Valley is an extremely big region with many different wine growing regions.
I live in the city of TOURS and it is very centrally located with excellent access to Paris and is central to many vineyards and is very close to Vouvray, one of the most famous wine growing regions on the Loire. Almost all the vineyards will be open at this time.
The Nightlife is also excellent here with a wide selection of Pubs, Bars and Clubs.
French Country Home Plans from Design Basics