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Questions tagged [france]

for questions that relate to the laws, practices, and products of the France.

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1answer
12 views

Why can't some funds be invested as a “US Persons” (= US fiscal resident, green card holder, or US citizen) from a French bank account?

I read that some funds cannot be invested as a "US Persons" (= US fiscal resident, green holder, or US citizen) from a French bank account. For example, I saw this warning in one plan d'épargne en ...
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0answers
23 views

I’m a low income non resident alien which don’t fill United States Tax returns. Can I claim to get an ITIN under French tax treaty?

Let’s be clear. I’m not concerned by any disposition for the tax treaty nor I can file a tax return and the real purpose is to open a bank account. But I far I understand, if I claim a benefit of the ...
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1answer
88 views

Is it a good idea to invest in buy-to-let if rent does not cover mortgage payment?

Background: To benefit from current favourable interest rates in my region (France: ca. 1.5%pa fixed over 20 years), I am considering investing in a buy-to-let property. I consider that interest ...
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1answer
41 views

Dual status US federal taxes

I have been working and living in the US from January 14th until October 19th on an L1 visum. Before this I lived in France and for the rest of 2018 (and later) I will be a working and living in ...
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2answers
130 views

Am I required to pay taxes on my U.S. freelancing income in France?

Similar to this question (and the question that OP linked to), I will be living abroad (in France) and working there, but I also do freelancing for U.S.-based companies. There are other questions ...
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1answer
185 views

Does it make sense to keep apartment when buying house

5 years ago, my wife and I bought a apartment for 220.000€, taking out a 15 years loan, at 1% Since then, kids happened, and we feel a bit crowded in this apartment. After discussing with a few ...
2
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1answer
124 views

What kind of customer tier should I be aiming at? [closed]

I have about 2M EUR of savings, in all kind of supports (the choice of the supports was random or historic - not driven by any reasonable financial analysis). Since I have no interest in managing ...
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0answers
34 views

Are life annuity properties worth the risk for non-EU residents?

I am almost done paying off the mortgage of my principal residence, and I still have some good working years ahead of us. I wonder what I should do with the equity that I have accumulated over the ...
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0answers
69 views

Buying goods from the US in a business based in France: the business refuses to remove the VAT. Can I get the VAT reimbursed?

I live in California, USA. I plan to purchase ~500 EUR worth of goods by phone from a French business that will send me the goods by mail. I am aware that the business may choose not to charge me VAT,...
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2answers
135 views

Do I have to pay VAT when buying goods from the US in a business based in France?

I live in California, USA. I plan to purchase ~500 EUR worth of goods by phone from a French business that will send me the goods by mail. Do I have to pay the French VAT, California sales taxes, or ...
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0answers
37 views

How to transfer common stocks from a broker in France to a broker in the United States?

I have some stocks in a brokerage account in France. How can I move them to a brokerage account based in the United States?
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1answer
324 views

Buying a house over a long period of time without a mortgage

I will soon receive a sum of money which will allow me to pay all cash for a house. However, I'd rather pay for the house over a long period of time. I would like to put the unspent money to work in ...
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3answers
339 views

Why do French banks push hard that customers open a savings account?

In France account managers often offer their costumers that they open a savings account (Livret A as they call) on top of the checking account. From my point of view, those employees seem to have ...
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3answers
1k views

What happens to my stocks when broker goes bankrupt?

Let's say I have bought many stocks, ETFs and other products through Degiro. If degiro closes, do I have "access" to my financial products? How? Can I sell them aftewards through another broker?
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1answer
31 views

Why is the Pinel SCPI expected yield twice lower than a normal SCPI?

I read on https://www.capital.fr/immobilier/les-scpi-fiscales-une-solution-pour-baisser-ses-impots-et-bloquer-son-epargne-1114747 (mirror): Entre temps, le rendement espéré sera, comme pour les ...
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1answer
39 views

In which year do we get the 12%/18%/21% of tax reduction when investing in an SCPI Pinel?

SCPI Pinel is the type of French REIT. I read on http://www.boursorama.com/actualites/les-avantages-des-scpi-pinel-0524a8065c484c7099578a81ced7d67d (mirror) Une fiscalité avantageuse: En ...
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2answers
305 views

What would be a good middle term investment (2-5 years), before buying a house

First of all, a bit of context. My wife and I earn roughly 4400€/month. We are two years into a 15 year mortgage for a flat, at a very low interest rate (150k€ @ ~ 1%), we reimburse about 1000€/month....
8
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1answer
279 views

Can I live in Spain under a French contract?

Since July, I'm working remotely from Spain for a French company under a French contract. I'm Spanish, I've never lived in France. All of the salary related taxes are payed to the French government. ...
1
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1answer
102 views

What should I do with a savings account in another country?

I live in Switzerland but I have a savings account in France (about 7000 Euros). I don't visit France very often and don't plan on living in the EU. I'm starting university next year but I am not in ...
0
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1answer
108 views

How to open a Mega Money Market account without an ssn?

I am a non resident allien who never went into the United states but who needs to receive usd funds from a United States based company. They requires their suppliers to use their online platform for ...
4
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1answer
405 views

Is there a risk buying a used car via a proxy if I pay the actual owner?

I'm thinking to buy a second-hand car. Everything seems to be in order except one thing: the actual owner (X) is out of the country, and the car is being sold by his relative (Y). I will be paying by ...
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3answers
318 views

Do I need to invest to become millionaire?

Refering to this question: Can saving investing 15% of your incoming start 25 likely make you a millionaire In France the highest rate I can find is about 2%, with special conditions, while the post ...
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2answers
106 views

How to decide on a French bank

I am currently planning to use the EU right to a basic bank account to open an account in France. I speak pretty good French, but as it was learned through living there as a child, and through ...
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3answers
276 views

Should I trust my banker to invest?

Let's assume I've no knowledge or skill in investing and that I've a 19 year old French student. Also, I earn 750€ per month, until I'm 21 when I will earn 950€. These are after-tax numbers. My ...
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1answer
714 views

Guide to save money in all-time life

First, let's assume I've no skill in trading and finance, I'm just a young French student that want to save money. A friend told me things like that, many times : 10% of budget should be for ...
3
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1answer
311 views

Why are domestic wire transfers free in France but cost ~20 USD in the United States?

Domestic wire transfers are typically free in France: example (mirror). Domestic wire transfers cost around 20 USD in the United States: see below for some examples, taken from nerdwallet (mirror) ...
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1answer
65 views

Is the 0.3% French tax on French securities (including U.S ADR) applicable to sales as well?

Investors may get an unpleasant surprise when they invest in French stocks, even those listed overseas like U.S. The U.S ADRs of French companies are affected as well. There is a French Transaction ...
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1answer
67 views

How do I choose a bank for a mortgage on property overseas?

I'm looking for a bank that can offer me a mortgage for a flat overseas, Hong Kong, that one of my relative is trying to sell. Issue is I have no ideas on how to do that. My questions are the ...
3
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3answers
786 views

Is it legal to receive money out of the blue?

I was reading a question and answers about a classical scam. The modus operandi is clear. It made me wonder about the legality of receiving money out of nowhere on my account. How legal is that? (in ...
0
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1answer
95 views

I am a US citizen and my legal residence is in France. Can I open an account with a US online brokerage firm such as e-trade, etc,? [closed]

I am a US citizen and my legal residence is in France. Can I open an account with a US online brokerage firm such as e-trade, etc.?
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5answers
2k views

Should I do Adidas confirmed in exchange of money

Somebody on Facebook asked me to register on the adidas confirmed app and be ready to click tomorrow 4pm so he could get the shoes and, if I am quick enough, he gives me 350€ on Saturday when we go ...
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0answers
49 views

Opening an account in France with HSBC, do you need an address there and what else?

I am an EU citizen (Hungary), and I am going to open an account with HSBC in France. Questions: 1. Is there any other requirement then having an address there? 2. So do I just need to rent an ...
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0answers
277 views

How to know if landlord actually owns the property in Paris?

I'm looking to rent a flat in Paris and I had some doubts if some people showing me the flats actually own the properties. I fear that someone could scam me by illegally subletting me a flat or even ...
3
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1answer
101 views

Foreign retirement contribution deductibility?

Contributors, I have a very specific question. I am a dual European-American citizen. I live in France. I declare my income on French investment accounts to the US, and am generally tax-compliant. ...
2
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1answer
133 views

Is it possible for an individual to refuse a cheque in France?

Some shops in France do not accept cheques (anymore or never have). Is it legal for an individual in France to refuse payment by cheque as well? In other words, is it possible to force someone (an ...
27
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9answers
10k views

Should I pay cash or prefer a 0% interest loan for home furnishings?

I live in France. I bought an apartment with a mortgage a month ago. I've been buying plenty of stuff for this apartment like furniture, decoration, oven, etc. And I still need to buy other stuff. I'...
3
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1answer
6k views

Money transfer from a French bank to an Indian Bank

I am a student in India. Recently, I attended a conference in Paris and the organizers will be reimbursing my travel through online bank transfer. However, they are insisting on IBAN/RIB no. Indian ...
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2answers
2k views

how can a US citizen buy foreign stocks?

my question is 2-fold: can an online broker let a US citizen buy stocks on the paris exchange? are there any pitfalls to buying foreign stocks in the us? (e.g. tax consequences here or in france, ...
3
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1answer
452 views

Moving to Europe, savings in the US, alien both in Europe and the US, trying to maximize exchange rates

This question has several parts, but the underlying story is the following: I currently live in the US, I am moving to Europe (specifically, France) in a couple of months, for at least two years. I ...
5
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1answer
184 views

income taxes in France: Is it better to share our income taxes or pay separately, me and my gf?

My lady and I are living in France and paying our taxes there, separately. However, we are considering to pay our taxes together for the first time. Online simulator like the one below are not clear ...
0
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1answer
68 views

Can I cash out a French check in South Korea?

I have a check written in French emitted in France by a French bank. Can I cash it out somewhere in South Korea?
4
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1answer
1k views

Tax situation for UK citizen working remotely in France but getting paid in GBP by a UK employer

I am a UK [and Australian] citizen. I have only lived in the UK for 9 months since Nov 2004. Apart from the 9 months in 2014, i have lived in the US for the last 7 years working for the same employer....
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2answers
2k views

In which situations is it better to consider a loan instead of paying cash?

I live in France where credit cards are less widespread than in the U.S. The default account for us is a checking account. Often you can't spend more than what is in your account; otherwise you have ...
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1answer
7k views

Mastercard - No password for online transactions

I am from India and recently moved to France. In India while making any online transaction one need the information on the debit card and ATM pin number or need a password given by the bank ...
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0answers
250 views

Why does PayPal rely on bank card to send money to friend instead of using my bank account?

My PayPal account is linked to my bank account and the Mastercard that's linked to it. Both are verified and work fine when I use PayPal to purchase goods from the Net. Last night, I wanted to pay ...
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1answer
215 views

Non-Resident, US citizen with 2nd nationality, hasn't filed taxes in years and needs to know what to when presented with W-9 or W-8BEN forms

I hope that someone can either answer or point me toward a competent professional for my situation: I am a born and raised American citizen who left the states in 1993, after filing taxes once as a ...
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1answer
258 views

How does one transfer funds between a French bank account and a US bank account?

Say Person 1 has a French bank account, and Person 2 has a U.S. bank account. Person 1 wants to send funds to Person 2. Person 1 can add a new person to their list of beneficiaries, but the French ...
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1answer
199 views

Buying an apartment in France

Can anyone list the costs included when buying a flat in France aside from the price tag for non-citizen? I am not a French citizen.
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2answers
899 views

How should I invest my money as a young graduate in Europe?

This is related to this question, but that question's answers are 95% tailored for residents of the US, basically recommending to full out the 401k retirement plan and this and that about stock market ...
2
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2answers
8k views

Can I receive and spend money on PayPal without linking it to my bank account?

Two questions: Can I create a PayPal account and receive €200 (or a similar amount) without adding a bank account, credit card, or anything but my email address? Can I then use that money to buy on ...