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Post by cernunnos on Jan 5, 2023 19:56:24 GMT 1
I am very happy to be ignorant and just pay the tax , I can't change it , so don't worry about it, Also being a farmer , it is covered by my PAC.
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Post by pcpa on Jan 5, 2023 22:25:56 GMT 1
I could change mine and save some but also risk losing more so am letting sleeping dogs lie, but at least I know the score on both properties.
You can change things, there are 6 gradings for vétusteté a property when new will have the highest grading and have the highest valeur locatif which the taxes fonçières are based on, mine is 50 years old and uninhabitable, if it were still at the highest grade I would challenge it, it's at 4 out of 6 so I'm letting it go for now, if I get it revalued it might go to 6 but they would see the renovation in course and maybe do it again at the end putting it up to a 1.
Nobody ever challenges these things and when you try they (try to) deny the existence of them, every old property probably is still assessed as being brand new.
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Post by houpla on Jan 5, 2023 23:54:49 GMT 1
But as you have said previously, if you have paid into the French system , then all is well. I still don't see it as discriminisation, why should those that havn't paid into the pot , take money out ? Ah but we did pay into the French system for a few years in between S1s. That apparently has been conveniently forgotten. One aspect that intrigues me is that France is reimbursed by UK for the healthcare lavished on Brits in France. Could it be that there was a change in the level of reimbursement or some other change which prompted France to amend their law? I wouldn't put anything past the UK government! Then again, the French one's not much better now.
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Post by houpla on Jan 6, 2023 0:05:43 GMT 1
I could change mine and save some but also risk losing more so am letting sleeping dogs lie, but at least I know the score on both properties. You can change things, there are 6 gradings for vétusteté a property when new will have the highest grading and have the highest valeur locatif which the taxes fonçières are based on, mine is 50 years old and uninhabitable, if it were still at the highest grade I would challenge it, it's at 4 out of 6 so I'm letting it go for now, if I get it revalued it might go to 6 but they would see the renovation in course and maybe do it again at the end putting it up to a 1. Nobody ever challenges these things and when you try they (try to) deny the existence of them, every old property probably is still assessed as being brand new. Um, it's rather the opposite round here. Everyone we asked about taxes Hab and Foncière was very evasive and we found out that's because they had been quietly enlarging, renovating and adding outbuildings for centuries, so were paying a couple of hundred euros a year for properties that don't bear any relation to the original description They (rightly) considered us crazy or stupid or both for turning the whole barn into a house before doing the final declaration of works completed. In retrospect, they were right They'll be in for a bit of a shock if and when the complete re-assessment ever takes place, though.
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Post by pcpa on Jan 6, 2023 0:14:44 GMT 1
I wouldn't say the opposite, that has always been my experience, you have to play the game but to play it properly you have to know what the stakes are.
There is a huge amount of info now on the impôts site about the property/properties that you own.
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exile
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Post by exile on Jan 6, 2023 0:32:33 GMT 1
But as you have said previously, if you have paid into the French system , then all is well. I still don't see it as discriminisation, why should those that havn't paid into the pot , take money out ? Ah but we did pay into the French system for a few years in between S1s. That apparently has been conveniently forgotten. One aspect that intrigues me is that France is reimbursed by UK for the healthcare lavished on Brits in France. Could it be that there was a change in the level of reimbursement or some other change which prompted France to amend their law? I wouldn't put anything past the UK government! Then again, the French one's not much better now. Only the 70% that a French person would be covered by their social contributions.
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tim17
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Post by tim17 on Jan 6, 2023 6:54:32 GMT 1
I know everyone's different but it would worry me greatly that when moving to another country I was reliant on that country's social security system to survive financially until I received my pension, things can and do change all the time and I simply wouldn't want to take the risk of struggling in the latter part of my life.
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exile
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Post by exile on Jan 6, 2023 7:07:38 GMT 1
I think Brexit may have caused some to burn bridges.
If they already had a second home in France and if they had longer term plans to retire to France, then establishing residence before the final date may have become a driving force to make the move early and without the benefit of full protections.
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Post by cernunnos on Jan 6, 2023 8:39:53 GMT 1
I could change mine and save some but also risk losing more so am letting sleeping dogs lie, but at least I know the score on both properties. You can change things, there are 6 gradings for vétusteté a property when new will have the highest grading and have the highest valeur locatif which the taxes fonçières are based on, mine is 50 years old and uninhabitable, if it were still at the highest grade I would challenge it, it's at 4 out of 6 so I'm letting it go for now, if I get it revalued it might go to 6 but they would see the renovation in course and maybe do it again at the end putting it up to a 1. Nobody ever challenges these things and when you try they (try to) deny the existence of them, every old property probably is still assessed as being brand new. Perhaps I am not so ignorant as you presume . Our last evaluation for Tax fonciere was before renovation and we have never declared work finished because it isn't. and in few years time we won't be paying anyway .
There are at least 7 gradings for vetust, just to let you know . It is all online , so no secrets there either
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Post by houpla on Jan 6, 2023 10:14:07 GMT 1
I know everyone's different but it would worry me greatly that when moving to another country I was reliant on that country's social security system to survive financially until I received my pension, things can and do change all the time and I simply wouldn't want to take the risk of struggling in the latter part of my life. Hindsight's a wonderful thing. When we planned our move, silly us, we didn't foresee my pension being reported for 6 years and the UK leaving the EU. How careless....
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Post by houpla on Jan 6, 2023 10:18:34 GMT 1
Ah but we did pay into the French system for a few years in between S1s. That apparently has been conveniently forgotten. One aspect that intrigues me is that France is reimbursed by UK for the healthcare lavished on Brits in France. Could it be that there was a change in the level of reimbursement or some other change which prompted France to amend their law? I wouldn't put anything past the UK government! Then again, the French one's not much better now. Only the 70% that a French person would be covered by their social contributions. Ah..thanks for clearing that up Bit of a coincidence, though, that Brits (and others) had access to CMU-C for so many years and then in 2020 they didn't. No doubt just a belt-tightening excercise by the French government...
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tim17
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Post by tim17 on Jan 6, 2023 10:55:07 GMT 1
I know everyone's different but it would worry me greatly that when moving to another country I was reliant on that country's social security system to survive financially until I received my pension, things can and do change all the time and I simply wouldn't want to take the risk of struggling in the latter part of my life. Hindsight's a wonderful thing. When we planned our move, silly us, we didn't foresee my pension being reported for 6 years and the UK leaving the EU. How careless.... Nothing to do with hindsight, relying on government help rather than a guaranteed income source is a risk because governments can change and so can the benefits they dish out. For what it's worth I've been hit twice since I moved here, the 2016 UK pension change means I needed 5 more years of contributions for a full state pension and Macron's latest wheeze sees my retirement date put back by four months with very little notice.
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Post by lindalovely on Jan 6, 2023 13:31:23 GMT 1
Many years before Brexit the UK government stopped paying a set amount for each person on an S1, but reimburses the SECU for the actual costs. However this does not cover the things that are not reimbursed and so that's way it was always advisable to have a mutuelle.
The decision about what country is your competent state is governed by EU wide agreements. It doesn't matter how much you have paid into each system but where you last worked..so if you last worked in France they are your competent state and if you last worked in the UK then they become your competent state. They do sometimes try to get out of it if, for example, you have a very low state pension entitlement in France and a larger one in the UK and they can negotiate with the UK. There used to be advantages to having the UK as your competent state, but I am not sure that this is the case anymore.
If the UK is your competent state and is providing your health care and your pension then I would have thought it would be up to the UK to top up any deficits not France?
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exile
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Post by exile on Jan 6, 2023 13:49:14 GMT 1
Actually Linda that is not exactly correct - as I eventually found out and posted above.
The last state you worked in is your competent state if you retire to that state or another EU state where you worked. If however you retire to a third party state, your competent state is the one that has taken the most number of monthly contributions. In my case I has worked and contributed to the UK and German systems. I retired to France. The last state I worked in was Germany and I applied to them and it took 6 months on their and my part to work out that the UK was my competent state. I have still not found the chapter and verse on this but have (probably better said had) letters from both confirming that the UK was indeed my competent state.
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Post by cernunnos on Jan 6, 2023 17:10:23 GMT 1
or of course depending how you look at it , the incompetent state ?
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