I am taking out a loan, and the bank requires a mortgage to be registered on my property. For cost reasons I would like the bank to handle the formalities. My notary says this is impossible. Is that true?

Yes. For a mortgage to be valid it must be executed by notarial deed (Civil Code, Article 2409). The notary handles registration and publication with the land registry service. The mortgage then becomes enforceable against third parties. The notary must practice in France if the property is located in France…
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I was adopted (full adoption) several years ago. I no longer get along with my adoptive parents and wish to end the adoption. Is this possible?

No. Once granted, adoption is irrevocable (Civil Code, Article 359). However, Article 345-2 paragraph 2 of the Civil Code provides two exceptions: • A new adoption is possible if the adoptive parents have died. • A simple adoption may be granted for a child already fully adopted if there are…
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My father has just died. I am the beneficiary of a life insurance policy he had taken out. The insurance company is charging me for “carrying out its search obligations.” Is it allowed to do so?

No. The insurer cannot charge fees for fulfilling its legal search obligations (Insurance Code, Article L.132-5, para. 3, final part).
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My father has just passed away. I know he had taken out a life insurance policy naming me as beneficiary, but I don’t know the name of the insurer. Are insurers required to search for beneficiaries?

Yes. Insurance companies must check at least once a year whether insured persons have died (Article L.132-9-3 of the French Insurance Code); to do so they consult the National Register for the Identification of Natural Persons (RNIPP). If the insured has died, they must then search for the beneficiaries of…
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My father lived in Portugal and died there. I am his sole heir, and my tax residence is in France. Am I liable for inheritance tax in France?

Yes. In the absence of a tax treaty between France and Portugal governing inheritance taxation, the French tax authorities will tax all assets located in France and abroad (Art. 750 ter 3° CGI). However, inheritance taxes paid abroad may be credited against the tax due in France (Art. 784 A…
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I am a specific legatee of a man who died in 2018. In 2019, I requested delivery of the legacy from his widow, who did not respond. Can I still claim my legacy?

In principle, no. Case law generally limits actions for delivery of a legacy to a five-year period from the date of death (Art. 2224 Civil Code; Cass. 1st Civ., 21 June 2023, No. 21-20.396 FS-B).
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