June 22, 2009

THE COMPROMIS DE VENTE

On the Wednesday we had our offer accepted verbally by the vendor, via Antony the Agent. He then had to act pretty swiftly to get things organised before we went back home the following Tuesday.

On Thursday we had the key all to ourselves and spent a couple of happy hours in the house, measuring, planning and dreaming of our future holidays there.

On Friday we handed the key back so that he could get on with the surveys, namely a lead survey and an energy survey.


Our stay in the gite was due to end on Saturday 28th August but M. Duport said that we could stay an extra 3 nights, until the Tuesday morning. The imobilier's office was normally closed on Mondays but Antony arranged to open "exceptionellement" in the afternoon so we could meet and sign the important documents before we left France.
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The old town of Descartes

The compromis de vente is the document that seals the deal when buying your house. It contains details of the building and the land plus anything else included in the sale. Once signed a 10% deposit has to be paid. At this point the vendor cannot back out or change the price. The buyer can put conditions into the document allowing for him or her to back out of the deal.

In Pete & Cyn's case it was that planning permission would be granted for their balcony on the top floor. In our case it was that we would be able to raise the funds (the most usual condition if a mortgage has to be obtained) and that the repairs for the roof would not cost more than 10,000 euros (about £7,000 at the time). A copy of the document is then sent to the buyer's home address and once it plops through the letterbox, you have 7 days to change your mind. After that you are committed to the sale and would lose the deposit if you backed out.



The autojumble at Le Grand Pressigny


Antony was brilliant and got everything organised. Obviously he was keen to make the sale and only had two working days to do it. Estate agents' fees are very high in France and are paid buy the buyer. Hence all the cloak and dagger stuff about properties for sale - many agents will get you to sign a document to say you have seen the house with them so that they get the fees, not one of the other agents who also have it on their books.

We wandered past the cottage on Friday and there was a car parked outside. (The neighbour doesn't have a car.) Over the course of the weekend various cars came and went. These turned out to belong to the surveyors and then, to Mme Beranger herself. Our neighbour offered to introduce us but we declined. We didn't want to get into any discussion about buying her furniture, largely as our French was not good enough for such a conversation. She was there for the weekend and for the meeting on the Monday.

Seeing her car in the courtyard and the windows open I felt strangely miffed, as if the house already belonged to us and she had no right to be there.

Over the weekend we entertained ourselves by doing some sightseeing. On Saturday we went to Chinon and treated ourselves to a nice lunch in one of the many smart restaurants there. I think we both needed to see the town once more before we committed ourselves to buying the cottage in Le Grand Pressigny - Chinon was after all our first choice for location but we had abandoned it for this other corner of the Loire.


On Sunday we went to the vide -grenier at Chaumussay. This was a big event and in a very pretty village. We had a great time weighing up all the stuff that was for sale - there was an awful lot of junk but as always there were some really nice things and, now that we had somewhere to put it, we were very tempted. Somehow we managed to be sensible and resist. The ink wasn't on the paper yet.

The village of Chaumussay

By Monday morning Nick was almost a nervous wreck. So many people had told us tales of how complicated the buying of a house in France could be and so many things to be careful of - how easy it was to get trapped and conned in some way. I thought it couldn't be that difficult or dangerous otherwise nobody would do it. And we already knew personally several people who had done it and lived to tell the tale. He was not easily reassured so to take our minds off it a bit, we went to Loches in the morning, had a look around the chateau and a good lunch to put us in the right mood.

Loches from the chateau

We arrived at the office to find Antony, his boss Phillipe, a man who was a local restauranteur who spoke good English and had been asked to come and interpret and last but not least, Mme Beranger. They were all looking very serious and I thought for a fleeting moment that Nick might make a run for it. But no, we sat down and got straight on with the business.

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The bridge at Descartes


All the details were explained to us by Phillipe in French and then the restauranteur in excellent English. I could see that Nick was slightly uncomfortable about this - what if this man was there to help con us in exchange for a case of wine or............. I decided just to go with the flow. Every page of the huge document, the compromis de vente, had to be signed and annotated by both of us with the words "prix compris" - price understood. Then Mme Beranger had to do the same. This took quite a while and then - it was over. There was lots of hand shaking and then we were out on the pavement in the sunshine. We said goodbye to Antony, congratulated him on doing a fantastic job and headed back to the gite to pack.


So that was it.


Leaving Portsmouth as we set off on this adventure two weeks before, I never thought it would actually happen. Not so soon anyway. We had bought a holiday home in France.

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Grande Rue at Le Grand Pressigny

We had discovered a corner of the Loire region that we had never noticed before.


We had enjoyed staying in a fabulous gite.


We had glimpsed peoples' lives as we were shown around their homes.


And we had bought a little house of our own and made some new friends.


7 comments:

  1. Hello - I've just found your blog and am now furiously catching up. Lovely stuff with touching stories of your family and smashing photographs.

    Mad x

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  2. I have been following your blog for several weeks now and it gives me a feeling of 'deja-vu' as we did exactly the same five years ago.Returned yesterday from Le Grand Pressigny and it was nice to just about make out our rooftop on the picture taken from your garden. I think we may also be on a previous photo taken by you from the PreHisto towards the Jean Bart! Can't wait to return again next month - keep up the good work and the photos.

    Gail

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  3. Mad - welcome to my blog, glad you're enjoying it.

    Gail - We will be chez nous next month for a while. If you hear the rumble of distant thunder it could be us on our motorcycles. You never know, we might bump into each other some time, so to speak !

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  4. I am obviously not going to recognise Lulu then! We shall be there for the last couple of weeks with our English Setter!

    Gail

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  5. Gail - we will have gone by the time you arrive. Quel dommage ! We'll be back for the last two weeks in August, though, with Lulu.

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  6. We are there again for the last week in August ... hopefully we shall spot each other in the Prehisto region !

    Gail

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  7. Gail - if you have your English setter with you we can't miss you !! We'll be the ones with the crazy ginger poodle. Jean

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