Today we're not going to talk about choux, but about sous (money).  Cultural differences are sometimes also differences in financial culture, as my friend Pierre explained to me about mortgages.  It's his job, and he knows the French banking industry very well. He's going to compare a few aspects of mortgages in France and the United States. The first difference is that there is no credit score in France. In this episode, Pierre will tell us about a second difference, and then a third. 

In the notes that accompany the transcript, we'll look at three useful expressions and then you'll find a list of simple phrases for talking about rates that go up, down and up. 

If you'd like to improve your French, the slow way, also about finance culture, I invite you to subscribe to the transcript at www.cultivateyourfrench.com