The FNAIM is the Fédération Nationale des Agents Immobilier. Not an insurance but a club. All registered real estate agents are bound by law to have an insurance. Which they often use as an excuse for their hefty commission of 6-10%. You do not need an estate agent to buy or sell a house, but you do have to pas through a notaire.
The notary public only asks a commission (frais de négociation) if he finds the buyer for a house that one of his clients has asked him to sell.
If you find a house for sale by the owner (directly, not through the notaires offices) you only pay the normal notaire fees, mainly consisting of taxes.
So it is very advantageous to go look on the internet for houses fsbo.
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