Financing Your Dream Home In FranceWritten by Oliver Phillips
In Part 2 of this series, Oliver Phillips of PFS France (http://www.propertyforsalefrance.co.uk/) takes a look at common approaches to financing french property purchases.So you've found your perfect home, you know area, people, and you've appointed your own Notary. You've also had an independent valuation and will be getting property surveyed to make sure you understand what you are buying? Your next thought is likely to be financing? Generally, you might look to finance your purchase in one of two ways; either using equity in a UK property by way of remortgage or by taking out a second mortgage on French property. Both methods are subject to exchange rate risk but in different ways. If you decide to remortgage an existing UK property finance would normally be raised in £GBP. Raising mortgage in euros may result in a fairly substantial foreign currency conversion or exchange fee to pay. Make sure you are aware of how much this will be. Secondly timing of your purchase is important. A weak pound against euro will inflate cost of your property, and require you raise a larger mortgage, but conversely a strong pound against a weak euro, could make remortgaging your UK home a cheap way to buy your home in France. However once mortgage is raised, you will always pay same monthly fee regardless of future exchange rate changes. If you want a second mortgage on French property itself it might be possible to deal with a French branch of your British Bank and this is worth looking into. A euro mortgage with a French bank will always be for euro cost of property, so you avoid exchange rate risk on mortgage amount, but monthly repayments though same in euros may seem more or less expensive as euro exchange rate moves against pound.
| | Purchasing Framed Art For Your Home Or Office - A Novel Way To DecorateWritten by Susan G Phillips
Framed art is an ideal compliment to any room of your home or office. Decorating an environment using framed artwork is quick, easy and is usually relatively inexpensive. People generally choose framed art because it matches their decor, or because they like actual piece and conducting this selection can be great fun because choice is simply huge. Today, there are currently thousands of artists who have allowed their work to be transferred into framed prints. But this is not a new thing. The world has appreciated work of artists for many years. While many of modern day artists go unannounced to world, many others already have stamped their mark on world. Pablo Picasso, Vincent Van Gogh, Claude Monet, and many other classic artists will live on through their artwork forever and buying print versions of their work is both popular and common. Appreciating work of artists – irrespective of whether they are known or unknown is an important part of cultural aspect of life. In order to be a well-rounded person, it helps to build a healthy appreciation for art. A great way to show your admiration is through purchase and display of framed art. Framed art prints are less expensive than actual paintings so this lets you enjoy many options for decorating your environment. Purchasing framed art for your home or office is a novel way to decorate. Framed prints are available of nearly every famous painting or photograph. But what piece do you buy? You can start with a neutral wall paint and then add color by placing framed art on wall and then add some matching throw cushions to your couch. Because framed art is relatively inexpensive you are then free to change look from season to season depending on your mood, weather or a special event.
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