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Géorisques and ERP: Understanding Risk Reports in French Home Buying

Géorisques and ERP : Understanding Risk Reports in French Home Buying

France enjoys varied landscapes – mountains, coastlines, forests – but this beauty often comes alongside potential natural and technological risks. That’s why risk reports are an obligatory and crucial part of information required as part of the real estate process.



Why Géorisques and ERP Reports Matter

The Géorisques and ERP (état des risques et pollutions) reports provide vital information about a commune’s and a property’s potential risk of exposure to various natural and technological hazards, including:

  • Flooding: Risk from overflowing rivers, coastal flooding, etc.
  • Landslides and Ground Movement: Especially prevalent in mountainous or earthquake-prone regions and areas with clay soil.
  • Wildfires: A significant concern in some forested areas.
  • Industrial Risks: Proximity to factories or sites storing potentially hazardous materials.
  • Other Localised Risks: Like abandoned mines or radon gas presence.

When is a Géorisques and ERP Report Required?


The Géorisques report must be shared with buyers at the first viewing. It is freely available to access online. Sellers must provide the buyer with a similar report called the ERP report (it must be less than 6 months old). Your estate agent or notaire will know which reports are necessary.

What’s in the Report?

  • Maps: Clearly outline zones with different levels of risk.
  • Hazard History: Details past events in the area.
  • Preventive Measures: Any local regulations or recommendations. Any risk prevention plans in place for the commune.

Decoding the Report for Homebuyers

  • No Risk: Great! The property isn’t located in a designated risk zone.
  • Manageable Risk: The report will provide information on mitigation measures and potential restrictions (ex: specific building requirements).
  • High Risk: You’ll need to carefully consider whether the risk is acceptable and how it might impact your insurance.

The Report’s Impact

Géorisques reports supply information to help you:

  • Informed Decisions: be informed about hazard risks.
  • Insurance: risk levels may influence home insurance premiums.
  • Preparedness: understand your property’s potential vulnerabilities so you can plan accordingly.

Beyond the Report

  • Official Website: The government website https://www.georisques.gouv.fr/ provides general risk maps and information.
  • Localised Information: Don’t hesitate to ask local authorities (like the Mairie) for details about the area.

Don’t Let Risks Take You by Surprise

Géorisques and ERP reports bring transparency to the French home-buying process. Understanding them is vital for assessing a property’s suitability and making choices that help ensure your long-term safety and well-being.

Gas Safety First: Understanding Gas Inspection Reports in France

When buying a home in France that has a fixed gas installation, a gas inspection report provides essential information about safety. Let’s demystify this important document:

Why Gas Inspections Matter

Some anomalies can be dangerous, leading to leaks, fires, or even explosions. Gas inspections are designed to identify potential hazards and help protect you from these risks.

When is a Gas Inspection Required?

  • Mandatory: Property with a fixed gas installation more than 15 years old requires a gas inspection report (less than 6 months old) before the sale can be finalised.

What a Gas Inspection Checks

An independent certified professional will examine:

  • Gas Pipes: Looking for anomalies such as signs of damage, the wrong type of pipe or an out of date pipe.
  • Appliances: Checking safety mechanisms.
  • Ventilation: Checking adequate venilation to prevent dangerous gas build-up.

The Gas Inspection Report: What to Look For

  • Anomalies: The report will list any issues found, categorised by their level of severity.
  • Corrective Measures: Recommendations for necessary repairs or improvements.
  • Overall Risk Assessment: Whether the gas installation is deemed safe or poses potential dangers.

How the Report Impacts Your Purchase

  • Clean Report: Good news! However, always make sure it’s recent. Remember that any ‘non fixed’ installations may not have been inspected.
  • Minor Issues: These might be easily fixable with minor repairs. Always ask a qualified professional to carry out the repairs.
  • Major Problems: Significant issues could require extensive and costly repairs, and may be a point of negotiation or a reason to reconsider the purchase. Always ask a qualified professional to carry out the repairs.

Beyond the Report

  • Responsibility for Repairs: Sometime negotiated between the buyer and seller, otherwise factor the cost of repairs into your budget.
  • Maintenance: Regular gas installation checks by a professional are important even after you move in.
  • Carbon Monoxide Detectors: While not mandatory, these can provide an extra layer of safety.

Don’t Compromise on Gas Safety

Gas inspection reports are a crucial piece of the puzzle when purchasing a property in France. They help inform you about potentially dangerous problems. Understanding the report empowers you to make informed decisions.

When it comes to buying property in France, trust the experienced estate agents at Town & Country Property France to deliver exceptional service and results. Contact us today to discuss your real estate goals and let us assist you in making your French property dreams a reality!

With our extensive knowledge of the French property market, we are well-equipped to provide you with accurate and up-to-date information about the buying or selling process. From understanding local regulations to identifying the best neighbourhoods and property types, our team has the expertise to guide you every step of the way.

Whether you’re in search of a charming country house, a luxurious chateau, or a holiday home with a pool, we have an extensive portfolio of properties to suit a variety of preferences and budgets. Our English-speaking estate agents work closely with you to understand your specific requirements and match you with properties that align with your needs and desires.

At our agency, we understand that each client is unique. That’s why we pride ourselves on providing personalised service tailored to your individual goals and preferences. Our English speaking estate agents take the time to listen to your requirements, answer your questions, and provide guidance based on your specific needs, ensuring a smooth and hassle-free experience.

Language should never be a barrier when it comes to buying or selling property in France. Our agents are proficient in both English and French. We understand the importance of effective communication, and our multilingual capabilities enable us to cater to clients from diverse backgrounds and ensure clear and transparent transactions.

Navigating the intricacies of the real estate market in France can be daunting, especially in a foreign country. However, our agents are skilled negotiators who will work tirelessly to secure the best possible deal for you. Whether you’re a buyer looking to get the best price or a seller aiming to maximise your profits, we have your best interests at heart.

Don’t let language or unfamiliarity with the French real estate market hold you back. Contact our agency today and let our experienced estate agents in France guide you towards a successful property purcahse.


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    THE FIGHT AGAINST MONEY LAUNDERING AND TERRORISM

    What is TRACFIN?

    TRACFIN stands for "Traitement du Renseignement et Action Contre les circuits Financiers clandestins. It is contolled by the French Financial Intelligence Unit (FIU) that fights against money laundering and terrorist financing.

    What does TRACFIN investigate?

    TRACFIN’s primary objectives is to analyzes suspicious transaction reports submitted by various professionals and to detect, analyze, and investigate money laundering and terrorist financing.

    How does TRACFIN operate?

    There are three steps: Collection of Data ; Analysis and (if required) Dissemenation and Action

    Professionals in the real estate sector must comply with obligations of vigilance as set out within the framework of the regulations of the French financial intelligence service (TRACFIN).

    We must take measures to ensure that our clients are properly identified, and to ensure that transactions are carried out in compliance with anti-money laundering rules.

    We must collect all information relating to the purpose and nature of the operation to be carried out and all elements will allow us to have an extensive knowledge of the client.

    As such, and before signing any contractual documents, you will be asked to provide certain information as well as the documents below:

    For our buyer clients : 

    • Proof of identity 
    • Recent proof of address
    • Information regarding your income, wealth and source of funds
    • If the buyer is a company : a recent registration document and articles of association

    For our vendors : 

    • Proof of identity 
    • Recent proof of address
    • Proof of ownership
    • Latest ‘avis de taxe foncière’
    • If the vendor is a company : a recent registration document and articles of association

    We thank you for your cooperation.

    https://www.economie.gouv.fr/tracfin



    ADVICE FOR FRENCH PROPERTY BUYERS

    Are you considering buying a holiday home in France? If so, you’re not alone! France is a popular destination for tourists from around the world, and owning a property there can be an excellent investment opportunity. Here are some things to consider when buying a holiday home in France:

    Location:

    When choosing a location for your holiday home in France, consider what you want to use it for. If you plan on renting it out to tourists, you may want to choose a location that is popular with visitors. If you want a peaceful retreat for yourself, you may prefer a more secluded location.

    Budget:

    Consider your budget when looking for a holiday home in France. Prices can vary widely depending on the location, size, and amenities of the property. Keep in mind that there may be additional costs involved with owning a property in France, such as property taxes, insurance, and maintenance fees.

    Type of property:

    There are many different types of properties available for purchase in France, including apartments, villas, and cottages. Consider what type of property will best suit your needs and budget.

    Maintenance:

    Owning a holiday home in France will require regular maintenance, even if you only use it for part of the year. Consider hiring a local property manager or caretaker to help maintain the property while you’re away.

    Legal requirements:

    Make sure you understand the legal requirements involved with owning a property in France. You may need to obtain a French mortgage, register with the local authorities, and pay various fees and taxes. It’s a good idea to work with a French estate agent who is familiar with the French property market to help guide you through the process.

    The team at Euro Immobilier Chalais / Town & Country Property France have a wealth of experience when helping international clients with their French property purchase. Our knowledge and customer service are second to none, so let us help you through each stage of buying a house in France. 


      Is property on market?

      Features

      Desired features

      new
      Country House

      €265,000 HAI

      Roumazieres-loubert, Charente

      Character propertyDetachedGite(s)Old stoneOutbuildingsViews
      3 3 170m2 4497m2
      Ref: 706301
      more details
      new
      House

      €371,000

      Mirepoix, Ariège

      Character propertyOld stonePrestige
      4 2 240m2 484m2
      Ref: 706300
      more details
      new
      Mill

      €599,000 HAI

      Vouthon, Charente

      Character propertyLarge grounds (1Ha+)Old stoneOutbuildingsPossible incomeRiver frontageViews
      3 2 296m2 18305m2
      Ref: 706297
      more details
      exclusive
      Village House

      €267,000

      Bellegarde-du-Razès, Aude

      Character propertyOld stoneViews
      4 2 164m2 200m2
      Ref: 706298
      more details
      new
      Country House

      €270,300 HAI

      Puyréaux, Charente

      Character propertyOld stoneOutbuildingsPoolRiver frontage
      4 2 223m2 2636m2
      Ref: 706296
      more details
      new
      Mill

      €328,600 HAI

      Verteuil-sur-Charente, Charente

      Character propertyOld stoneOutbuildingsPossible incomeRiver frontageViews
      4 1 130m2 2138m2
      Ref: 706291
      more details
      new
      Country House

      €190,800 HAI

      Availles-Limouzine, Vienne

      Character propertyDetachedGround floor bedroomNo close neighboursRiver frontageViews
      3 2 114m2 2065m2
      Ref: 706295
      more details
      price-change
      Maison de Maitre

      €585,000

      Léran, Ariège

      Character propertyGite(s)OutbuildingsPoolPossible incomePrestige
      9 8 370m2 2536m2
      Ref: 706294
      more details
      new
      House

      €170,000 HAI

      Saint-Priest-les-Fougères, Dordogne

      Character propertyDetachedGround floor bedroomOld stoneViews
      3 1 95m2 715m2
      Ref: 706293
      more details

      Natural or technological risks in France

      Georisques is a term used in France to describe natural or technological risks that can occur in certain regions or areas. These risks can include earthquakes, landslides, floods, forest fires, volcanic eruptions, and industrial accidents. The French government has developed a comprehensive system to assess, manage and mitigate these risks, which is called the Georisques system.

      The Georisques system is based on a national database that identifies areas of risk across the country. The database is regularly updated to ensure that it reflects the latest scientific research and understanding of the risks. The system is managed by the Ministry of the Environment and Sustainable Development, in collaboration with other government agencies and local authorities.

      The Georisques system provides information on the level of risk in a particular area, and the measures that should be taken to mitigate the risk. This information is made available to the public through various channels, including the internet, mobile applications, and public information campaigns.

      One of the key features of the Georisques system is its focus on prevention and preparedness. The system encourages individuals and communities to take steps to reduce their risk exposure, such as by taking out insurance, preparing emergency kits, and developing evacuation plans.

      The Georisques system has been instrumental in reducing the impact of natural and technological risks in France. It has helped to improve the safety of individuals and communities, and has contributed to the country’s overall resilience to disasters.

      In conclusion, the Georisques system in France is a comprehensive and innovative approach to managing natural and technological risks. It provides valuable information to individuals and communities, and encourages them to take proactive steps to reduce their risk exposure. The Georisques system is a testament to France’s commitment to safety and sustainability, and serves as a model for other countries around the world.


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