OK - here we go (houses again!)
There's a house quite near the centre of Pessac which is advertised at a price WAY outside our budget. However they have not sold it, which suggests that the price is too high.
It also has certain drawbacks which we wouldn't mind - for example it's on the main road into Pessac town centre. Well for our purposes that makes it easy to find, although the garden wall does have a certain amount of graffiti on it. The price of living near the town centre. It also has a big advertising hoarding in the garden, but that brings in 3000 euros a year rent (enough to pay all our council tax and some left over).
It's within a walk of Gwilym's school and a short tram ride of Catrin's. It's well looked after.
So tomorrow afternoon I/we am/are going to go see the house once more, and then as long as we don't get drastically put off we'll make an offer near the top of our budget. If they say no, they say no. But at least it gives them a chance to sell and us a chance to buy. But it'll be a cheeky offer from their point of view. I can well imagine them saying no, but it depends on their circumstances and what they want to do.
French banks do not require a survey - they simply lend against the purchase price of the property. They do not apply a multiplier to your salary. They simply require that your repayments on all your borrowing be less than a third of your income.
So there we are. From the point of view of accessibiity to schools and ease of access for students it's by far the best. It has three bedrooms, a study, a funny windowless bedroom in the basement and other storage room in the basement. If they say yes it'll be fine. If they say no, that'll be fine, too. It's in the hands of the Saviour.
It also has certain drawbacks which we wouldn't mind - for example it's on the main road into Pessac town centre. Well for our purposes that makes it easy to find, although the garden wall does have a certain amount of graffiti on it. The price of living near the town centre. It also has a big advertising hoarding in the garden, but that brings in 3000 euros a year rent (enough to pay all our council tax and some left over).
It's within a walk of Gwilym's school and a short tram ride of Catrin's. It's well looked after.
So tomorrow afternoon I/we am/are going to go see the house once more, and then as long as we don't get drastically put off we'll make an offer near the top of our budget. If they say no, they say no. But at least it gives them a chance to sell and us a chance to buy. But it'll be a cheeky offer from their point of view. I can well imagine them saying no, but it depends on their circumstances and what they want to do.
French banks do not require a survey - they simply lend against the purchase price of the property. They do not apply a multiplier to your salary. They simply require that your repayments on all your borrowing be less than a third of your income.
So there we are. From the point of view of accessibiity to schools and ease of access for students it's by far the best. It has three bedrooms, a study, a funny windowless bedroom in the basement and other storage room in the basement. If they say yes it'll be fine. If they say no, that'll be fine, too. It's in the hands of the Saviour.
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