JordyVanOvereem1
CONTACT
Hypotheek & Buitenland
Binnenkant 37
1011 BM Amsterdam
Phone: +31(0)20 – 330 0139
Email: info@hypotheekenbuitenland.nl
PUBLICATIONS
FAIRS
Maison en France
Column Maison en France winter 2023 These French drive me crazy
Column Maison en France autumn 2023 Real estate business in France
Column Maison en France spring 2023 Gates of French banks open again for mortgages
Column Maison en France winter 2022 Get in on time
Column Maison en France autumn 2022 Have you heard from the bank yet
Column Maison en France summer 2021 Remodel a house with common sense
Column Maison en France – Summer 2021 – The suspicion of the French bank
Column Maison en France – Summer 2020 – Compromise de Vente – C’est quoi
Column Maison en France – summer 2019 – Fosse septique
Column Maison en France – Summer 2018 – Building a house with common sense
Column Maison en France – winter 2020 – Buying a chateau dream or nightmare
Column Maison en France – winter 2019 – French taxes on rentals
Column Maison en France – winter 2018 – Sale-leaseback. Pros and cons of outsourced rentals
Column Maison en France – Spring 2021 – The buying checklist
Column Maison en France – Spring 2020 – The peculiarities of the French mortgage
Maison en France column – Spring 2019 – Local taxes on the upswing
Column Maison en France – Spring 2018 – Understanding the costs and benefits
Column Maison en France – fall 2021 – the SCI
Column Maison en France – Fall 2020 – Buying in corona time
Column Maison en France – Fall 2019 – Selling through a French real estate agent
Column Maison en France – Fall 2018 – The condition precedent for financing
Côte & Provence
Column Cote & Provence 2021 winter (Separation makes you suffer)
Column Cote & Provence 2021 spring (Testing with French bank glasses on)
Column Cote & Provence 2020 summer (Buying with mortgage in corona time)
Column Cote & Provence 2018 summer (New mortgage opportunities for foreigners!)
Column Cote & Provence 2018 summer (House prices fairly stable)
Second home fair
On October 4, 5 and 6, 2024 we will again be present at the Second Home Fair in the Brabanthallen Den Bosch.
We would like to welcome you at booth number 7530 Stand: ‘Maison en France’ Download below the handouts of the presentations held at the fair: Presentation Second Home Fair October 2024 Mortgage & Abroad – Mortgages FrancePresentation Second Home Fair October 2024 Mortgage & Abroad – Mortgages Spain
Castle Day
On December 14, 2024, we will again be present at the Maison en France Info Day. This time at Groeneveld Castle in Baarn(www.kasteelgroeneveld.nl). The Maison en France Info Day will last from 10:30 a.m. to 5:30 p.m.
Tickets can be purchased at the entrance or can be pre-ordered online. Use the discount code “HB-Maison” for a 30% discount on online tickets.
Download below the handouts of the presentation made at the Castle Day:
Presentation Castle Day Dec. 2024 Mortgage & Abroad – Mortgages France
COUNTY
Other
For larger purchase sums (from about €1.5 million), there are banks that offer their services especially for this category of non-resident buyers. These are Private banks or special departments of regular French retail banks. Therefore, in addition to the annuity mortgage, the interest-only mortgage is also offered under certain conditions. The financing setup will be designed to be fiscally optimal.
An installment-free mortgage can be offered for wealthy clients who are willing to have part of their assets managed by a private bank specializing in this. For example, it is possible to borrow 100% interest-free, provided that 50% of the loan amount is placed with the bank as “Assets Under Management.
An integral part of the services provided by the banks serving this category of clients is to minimize Impôt sur la fortune immobilière (IFI). To this end, they advise on the overall design of financing and its administrative recording.
OTHER
AFM license
Hypotheek & Buitenland is licensed to provide these financial services by the Dutch regulator the Financial Markets Authority (AFM). Registration number with the AFM: 12047312(www.afm.nl)
In addition, Mortgage & Abroad is licensed with the financial regulators in
the following countries:
France: Orias ( www.orias.fr)
Spain : Banco de España and DGSFP ( www.bde.es and www.dgsfp.mineco.es)
Portugal: ASF ( www.asf.com.pt)
Italy: IVASS ( www.ivass.it)
Belgium : National Bank of Belgium and the FSMA ( www.nbb.be, www.fsma.be)
Austria : FMA(www.fma.gv.at)
Hypotheek & Buitenland’s registration is available from the regulators in their online
public registers.
Complaint Procedure
Mortgage & Abroad makes every effort to provide its clients with the best possible service. If for any reason you as a customer are not satisfied with the service provided, Hypotheek & Buitenland has an internal complaints procedure, aimed at handling the complaint promptly and carefully.
If you have a complaint about our services, please contact us by phone or send an email explaining your complaint. The complaint procedure then takes effect.
Phone number: +31 20 3300139
E-mail: info@hypotheekenbuitenland.nl
KiFD
Hypotheek & Buitenland is affiliated with the KiFid (Financial Services Complaints Institute)
(www.kifid.nl): affiliation number: 300.017711
Services Guide
Once we start working with you, you will receive from us “the service guide. The service guide provides further details about Mortgage & Abroad, what services we provide and exactly how we do it.
The service guide details the following topics:
- Our registrations with official bodies
- Your data and privacy
- Our investment in good service
- Our working method
- Further details on the application process
- What we ask of you
- Details about the cost of our services
- Financial Supervision Compliance Act
The service manual is an integral part of the agreement/assignment of services we enter into with you. You will receive the service guide along with our proposal for compensation for our services.
Chamber of Commerce
Hypotheek & Buitenland is registered with the Amsterdam Chamber of Commerce (www.kvk.nl):
Chamber of Commerce number: 74627198
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