Loan works to finance a heat pump

Recent studies have highlighted that our homes are very energy intensive, including our heating that consumes a lot.

In such conditions, it is obvious that energy bills are always higher.

Analyze your needs and choose

To achieve significant energy savings, it is necessary to start from the beginning, to have an energy assessment carried out by an approved expert. Based on the findings and conclusions, you can put a strategy in place. You have decided to behave more respectfully for our environment. To heat your home, you decide to install a heat pump.

This wise choice will initially improve your thermal comfort, then you will see a nice saving of 30% minimum on your next electricity bills. Then, the temperature is managed simply by means of a thermostat, the heat pump requires simple annual maintenance, finally, it is easy to use. Do not forget that an investment related to energy savings is an investment that is amortizing quickly.

How to finance your project

How to finance your project

Certainly, the heat pump at a significant cost see, therefore, but fortunately, aids exist. To be able to benefit from it, it is imperative to call on professionals certified RGE (Recognized Guarantor of the Environment).

To enable individuals to carry out their renovation projects that will fight against climate change and the preservation of the environment, the state in 2015 promulgates a law.

The aid provided

  • “Energy Transition Law for Green Growth” frames a series of incentives for financial aid very advantageous.
  • CITE (Tax Credit for Energy Transition) allows a reduction of your income tax by 30%, without a means test.
  • The eco-loan at zero rates which is capped at a maximum amount of 30 000 €, cumulative with the CITE.
  • The reduced VAT rate of 5.5% applies for energy renovation.
  • The ANAH (National Agency of the Habitat) can under certain conditions grant you up to 10 000 €.
  • Some local communities can also help you.
  • Energy suppliers can provide EWCs (Energy Saving Certificates). They entitle you to subsidized loans or coupons on the equipment.

A tailor-made credit for your work

A tailor-made credit for your work

After the deductions of all the aid to which you are entitled, your budget for this project is not completed. Your cash and savings do not allow you to self-finance the part that remains your responsibility.

Do not panic, you still have the loan solution- hop over to this website. But what is a loan for works? It is a loan that comes very often in addition to an eco-loan, it is called assigned credit and can finance many projects.

Its amount is exclusively reserved for financing the works you want to finance. For the instruction and validation of your file, request the transition of documents and supporting documents. The lender will ask you for detailed quotes, invoices from authorized professionals who intervene.

If you fail to comply with the terms of your loan agreement, it may be terminated at the initiative of the lender. Its amount between € 200 (minimum) and € 75,000 (maximum) will be paid in one go.

It will then be up to you to settle your intervening suppliers. The rate is fixed, but it varies depending on your borrower situation and the amount requested. It is reimbursed in fixed monthly installments for a period of 5 years up to 10 years. To make a quick study, do not hesitate to use the simulator on this page, which allows you to visualize the cost of your future loan.

A decision adapted to your situation

Getting into debt is not an operation to be taken lightly. Only after a careful study of your loan application file works to finance a heat pump will an answer be given to you.

If your debt ratio is not too high, if your repayment capabilities allow you to meet your deadlines, then your loan will be granted. In the opposite situation, the organization will be obliged to notify you of its refusal to grant your request.

Elegant winter bags 2019: from Chanel to Bulgari, the most chic wedding models

Elegant winter bags 2019: from Chanel to Bulgari, the most chic wedding models

In view of the upcoming ceremonies, here are the elegant bags from the most exclusive Fall / Winter 2018-2019 collections, creations of great style designed to be combined with the evening looks and the most chic occasion. More classic black and blue handbags, silver-colored or gold-colored shoulder bags, creations in bon ton shades of beige and powder, let’s discover together the most beautiful bags for ceremonies from the winter catalogs.

Elegant black ceremonial bags 2018-2019: the most beautiful

Bottega Veneta evening bag winter 2019

Bottega Veneta evening bag. Photo: Bottega Veneta / Facebook

Perfect in coordination with the most refined Fall / Winter 2018-2019 ceremonial dresses , the small black ceremonial bags are the most popular in the collections of the big brands.

Elegant black shoulder bag Bulgari winter 2019 Elegant black shoulder bag Bulgari. Photo:

From Bulgari you will find black shoulder bags also in exotic square-shaped leathers, while in the Jimmy Choo Fall / Winter 2018-2019 collection you will notice models with precious gold decorations.

Jimmy Choo evening jewel bag for winter 2019

Jimmy Choo evening jewel bag. Photo: Jimmy

Small and elegant bags in silver: the most chic to have

Louis Vuitton elegant silver and gold shoulder bag 2019 winter

Elegant silver and gold Louis Vuitton shoulder bag. Photo: Louis

If you are looking for elegant small bags in silver, in the lines for ceremony you will find many novelties, shoulder bags, shoulder bags or hand signed by the most famous Maison. If Louis Vuitton continues to reward the shape of rigid minaudiere inspired by the structure of small travel cases, the Armani elegant bags have a metallic surface and comfortable handles to wear them on the shoulder or by hand.

Armani elegant shoulder bag in silver color collection 2019 winter

Armani elegant shoulder bag in silver color. Photo: Armani / Facebook

More modern in style the silver bags for Tom Ford ceremony with quilted surface and jewel details.

Tom Ford silver bag 2019 winter

Tom Ford elegant bag in silver. Photo: Tom Ford / Instagram

Jewel handbags and exclusive exotic leathers for the winter of 2019

Roger Vivier black jewel evening bag for winter 2019

Roger Vivier black jewel evening bag. Photo: Roger Vivier / Facebook

To be combined with the most chic Fall / Winter 2018-2019 formal shoes , the jewel bags especially mark the collections of the most beloved luxury brands. Roger Vivier signs black silk or velvet bags with contrasting colored jewel applications, while Dolce & Gabbana rewards the shape of rigid minaudiere with a beige or gold base.

Dolce & Gabbana jewel bag winter 2019

Jewel bag for Dolce & Gabbana ceremony. Photo: Dolce & Gabbana / Facebook

Embroidery and valuable applications also for the clutch bags by Alexander McQueen, while the elegant bags Chanel and Bulgari are offered in exotic leathers of great value such as python and more.

Chanel python clutch bag 2019 winter

Chanel python clutch bag. Photo: Elegant Bulgari python handbag in 2019 winter Elegant Bulgari python handbag. Photo:




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Melissa Tote

Melissa Tote


Basic, classic, reliable , here are the adjectives that best describe the black Melissa Tote, an accessory that will make the happiness of those looking for a practical and capacious bag. The shoulder bag model tote bag is exactly what it takes for those who need a large space in which to store everything needed for a day out, but also to complete with practicality and style a look of any kind, from basic chic at casual.

Melissa Tote bag

Ideal as a shoulder bag , the tote bag can also be worn by hand or on the forearm, depending on the style you want to achieve. One of the highlights of this bag is its capacity: inside it is possible to insert objects of different sizes, from the big wallet to a briefcase. The inside of the bag is divided into four large compartments, two main spaces, a central pocket closed by a practical zipper , and another small pocket with zip to enclose and easily find small items such as mobile phone and purse. The perfect bag to organize everything to the fullest!


Melissa Tote bag leather

The Melissa Tote bag is made of genuine leather , soft and smooth. Its interior is covered in a durable fabric matching the exterior color, and the handles are supported by solid golden rings. The closure consists of a practical magnetic button, which allows you to open and close the bag quickly, and to keep your personal belongings safe. The visible stitching and the small golden studs complete the overall look of the bag, giving it a touch of originality more.

Also available in the warm colors “wine” and “redwood”, this bag can be easily combined with all types of look, from the simplest for leisure to the looks designed for a working day. You can wear it, for example, with a simple casual outfit consisting of cigarette pants, blazers and low boots, or with a classic-cut suit with a contrasting blouse and décolleté with heel. Versatile and practical, the Melissa Tote is the bag that everyone should have.



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Louis Vuitton bags, the collection for Autumn / Winter 2017-2018

Louis Vuitton bags, the collection for Autumn / Winter 2017-2018 


The new collection of Louis Vuitton Fall / Winter 2017-2018 bags gives a nod to a more modern and gritty style, a line that has conquered all of them already during the presentation on the catwalk during the Paris Fashion Week. This year Nicolas Ghesquière wanted creations of character, made of very fine leathers: from shoulder bags to hand and shoulder models, from top bags to the most exclusive evening clutch, we take a look at the most beautiful Louis Vuitton news for the cold season.

Louis Vuitton handbags: from trunks to refined handbags

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Louis Vuitton topper bag in colored leather

In the line of Louis Vuitton handbags, some of the most exclusive creations of the new Fall / Winter 2017-2018 collection appear, starting with the Cour Marly handbags: you can find them in the online shop on the official website – where the prices of Louis Vuitton bags are indicated – in the most refined black leather versions, perfect to be used as work bags , but also in the more chic red and black and blue and black variants.

These models have the characteristic of being able to insert the flap inside or outside, thus offering the possibility of having two bags in one to choose according to the look.

But even this year the Louis Vuitton top cases are the real protagonists of the line, starting from the models in mini forms and laminated leathers more gritty in style, also provided in bright colors such as red and yellow ocher, but not only .

Louis Vuitton shoulder bags, the most chic novelties

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Louis Vuitton Twist MM shoulder bag

The most particular Louis Vuitton shoulder bags are the Twist series decorated in different ways this year. The Twist PM in black leather have futuristic details along the surface like the V of the logo alternating with embedded metal parts.

More bon ton and romantic versions with floral prints, multicolor or two-tone, while the most refined are those with the famous Brogue motif embellished with decorative perforations and completed by the classic Monogram canvas.

Louis Vuitton, the most elegant shoulder bags

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Louis Vuitton bicolour shoulder bag

The most elegant Louis Vuitton shoulder bags are those of the City Steamer line, in recent years it-bag of the fashion house for their sophisticated style. The new variations for the cold season are made of black calf leather, but also in the two-color versions blue and black or red and black as the handbags.

Do not miss the City Steamer with Brogue print, but in the line of shoulder bags are also the enchanting Petite Malle with refined chain shoulder strap , with jewel inserts or two-tone and floral motifs like shoulder bags.

Do you like the style of the new collection of Louis Vuitton bags?

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Tags: Luxury Bags , Louis Vuitton , Fashion , Women’s Fashion , Top Luxury




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Jimmy Choo bags, luxury models for Autumn / Winter 2018-2019

Jimmy Choo bags, luxury models for Autumn / Winter 2018-2019

Like every year, the collection of Jimmy Choo Fall / Winter 2018-2019 bags was one of the most anticipated and certainly did not disappoint expectations. The British brand specializing in the luxury sector and beloved by celebrities around the world chooses to align itself with the most glamorous diktats of the season for its new collection of luxury bags , from small models to shoulder bags to the most refined day and work bags. evening and ceremony clutches to the most chic backpacks.

Jimmy Choo evening and formal bags: the most elegant models

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Black and gold Jimmy Choo evening bag for 2.255 euros

The winter collection by Jimmy Choo dedicates ample space to the evening and formal bags, the most chosen models by the stars to tread the most prestigious red carpets.

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Jimmy Choo velvet evening bag at 525 euros

The new Jimmy Choo collection ranges from rigid minaudiere with jewel applications along the lock, velvet clutch bag with rhinestones and micro studs and original clutch with leopard print in shades of blue and black, a very successful trend this year.

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Evening bag with Jimmy Choo leopard print at 750 euros

Discover the Trendy Fall / Winter bags 2018-2019 in our study.

Jimmy Choo day bags: the most exclusive must-haves

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Shoulder bag in Jimmy Choo python at 2.255 euros

Those looking for exclusive day bags are dedicated to the new Jimmy Choo hobo bags in exotic leathers such as python, shoulder bags with a single half-moon handle also available in suede or matt leather versions.

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Jimmy Choo day bag in suede with studs 1,250 euro

More structured shapes for handbags with double handles, suede handbags, matt or reptile leather, embellished by small studs of a character, a detail that is not lacking even along the most beautiful Jimmy Choo Fall / Winter shoes 2018-2019 .

Jimmy Choo 2019 bags: trends not to be missed

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Black bag with fringes Jimmy Choo at 750 euros

But Jimmy Choo is most famous for his ability to follow and launch hugely successful trends. While the brand rewards for 2019 the bags in exotic leathers such as python and elaphe, on the other they make their return fur bags or long fringes.

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Shoulder bag in Jimmy Choo leopard pony at 1,295 euros

Also not to be missed are the mini-bags, small shoulder bags with front closure flaps designed in python dress, suede with chain shoulder strap or more elegant spotted ponyskin.

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Prada Diagram

Prada Diagram


It is impossible to go unnoticed with the Prada Diagramme mini leather bag. Its unmistakable colors , style and comfort make it the perfect bag to complete the look for a fun night out, but it is also perfect as a mini-bag for the day.

Real Leather Pradabags


Made with real leather , soft and smooth, this bag is very special, thanks to the matelassé style with asymmetric weave, with horizontal, vertical and transversal stripes that create a really curious pattern. The embossed stripe motif of the bag is crowned by the unmistakable golden logo , prominently displayed in the upper part of the bag, in the center and close to the closure. The logo is also shown on the inside of the bag: the parent company takes care of the details, and even the little ones are cared for and clearly visible. The colors available are: black, pink, blue sea and turquoise.

The closure of the bag is a practical zipper that runs through the entire top, and allows you to keep your personal items safe. The interior consists of a single large compartment despite the small size of the bag: it can easily contain everything you need for an evening or a day out, from the smartphone to a small beauty case with tricks. There is also a small credit card compartment. But let’s get to the dimensions : the bag is just over 11 cm high, slightly less than 18 cm wide, and has a depth of about 5 cm.

Shoulder strap prada bags

The bag is born as a shoulder strap , but can also be carried as a clutch bag by hand. The shoulder strap is made of a thick metallic chain, resistant and shiny, and is secured to the bag with practical buckles that allow you to remove it to make an elegant clutch bag. Versatility is therefore a fundamental characteristic of this bag, which can be combined in various ways. Can be worn together with a classic little black dress, to “play it down”, or can complete an outfit made of skinny jeans, sneakers and white t-shirt with writing. But the combinations are endless: from dresses with floral fantasy to the long evening dress, you can really indulge!




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Backpack / bag Uto

Backpack / bag Uto


The rock soul is something that never goes out of fashion. Who owns it knows it well: the grit, the strength of the choices, is an innate attitude. This attitude can also be demonstrated in the look, for example by wearing a bag. A backpack that is also a shoulder bag, like that of Uto, is the ideal choice for this mood. It is a beautiful and practical accessory to wear with any metropolitan outfit , perfect with leather jackets, amphibians and studs. The material in which this bag is made is a high quality synthetic leather, now chosen by many buyers because it is more ecological and convenient, even for maintenance.

Particular backpack


The particularity of this backpack / bag lies however in the attention to detail, really important. Just notice the finishes of the zip, always in synthetic leather, with very precise stitching, the wider and thicker buckles, the most resistant carabiners. The hardware is modern and in black, and in addition the detachable and adjustable rear straps, plus the upper ring handle make this bag very versatile, usable in different circumstances, from travel to study, from shopping to work.

The interior, lined in coffee-colored fabric, is spacious and capacious. In fact, it has a magnetic closure pocket and a large zipped compartment containing an inside zip pocket and two open pockets. Also visible on the outside is a front pocket and a back pocket, both with zip. Practical and elegant at the same time, it can comfortably accommodate an iPad Pro, tablet or 12-inch laptops. The external pockets can contain smartphones, iPad Mini and other essential items. As for the size of the Uto backpack / shoulder bag, they correspond to 33 centimeters in width, 31.5 cm in height and 12 cm in depth. The empty weight instead reaches 960 grams. Finally, the adjustable rear straps measure 86cm. Handle drops: 28cm.




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Fall / Winter Bags 2018-2019: the most exclusive luxury models

Fall / Winter Bags 2018-2019: the most exclusive luxury models 


The most exclusive bags for Autumn / Winter 2018-2019 are designed to make people dream, but also to leave those who watch us speechless. Essential accessories to complete with style all the looks of a true modern fashionista, luxury bags for the winter 2019 are proposed in often very eccentric shapes, with original applications and prints, irresistible mini and maxi bags in fabrics and leathers of great value .

The most elegant evening and wedding bags for winter 2019

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Dolce & Gabbana jewel bag. Photo: Facebook

On the catwalks of Milan, New York, Paris and London appeared elegant evening bags with a sophisticated style, charming clutch bags in velvet, fur or reptile that alternated with equally elegant rigid minaudiere.

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Jimmy Choo evening jewel bag

Dolce & Gabbana brings gold-colored jewel bags of great elegance to Milan, while Jimmy Choo rewards black models with precious inserts along the lock.

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Petite Christian Louboutin evening bag

Discover also the most beautiful bags of Louis Vuitton .

The most sophisticated day bags from the new 2019 collections

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Fendi large handbag. Photo: Ansa
If you are looking for models of exclusive day bags, know that the Fall / Winter 2018-2019 season is in strong colors according to the luxury Maison.

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Prada handbags. Photo: Ansa

Prada and Moschino award large maxi bags with comic prints or other lively decorations, while Antonio Marras brings back the trend of exotic leathers, from crocodile to python and elaphe that also appear by Jimmy Choo.

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Shoulder bag in python Jimmy Choo

Take a look at the most chic Jimmy Choo Fall / Winter bags 2018-2019 .

The must-have handbags from the catalogs for the winter 2018

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Tom Ford animal bag. Photo: Instagram

Jewelery decorations, laminated leathers and fur for the handbags with chain shoulder strap by Tom Ford, while brands such as Bottega Veneta and Dolce & Gabbana focus on creations with structured and rigid shapes with a unique handle in soft tones such as ivory, beige and not only.

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Checked Versace bag. Photo: Facebook

Multicolor checkered pattern for Versace, two-color more gritty for the Chanel 2019 winter bags and more.

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Chanel bicolour handbag. Photo: Facebook

Winter 2019 mini bag trend: the most beautiful luxury shoulder bags

While the maxi bags dominate the field of day and work bags, those who love a more jaunty and youthful style are instead dedicated shoulder bags in the form of mini bags: chain shoulder bags with decorations of ironic writing for Christian Louboutin, suede or matte leather models with flower embroidery for Fendi, shoulder bags with flap decorated for Gucci and more.
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Gucci small shoulder bag. Photo: Twitter

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Fendi shoulder bag with flowers. Photo: Instagram




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Coach handbag

Coach handbag

What has always fascinated so much the “bagsaholics” and the fashion experts in general is the concept of “family” declined around a certain accessory: a complete line that includes several bags created following the same inspiration. Coach’s Rogue family is no exception. The New York brand, very popular in recent years among those who make good taste a distinctive mark, has in fact created an unmistakable line, with characteristic handles worked in different materials and patterns. The Rogue 17, for example, is “the smallest of the family”. Inspired by free spirits, rebels and dreamers, it is a really versatile handbag in hammered leather. The details are the ones that make the difference: in snakeskin, they are accompanied by an exclusive Coach label and a swivel key ring.

Coach Crossbody Bag


The Rogue 17 has top handles and a removable shoulder strap that allows you to wear it as a crossbody, cross on the sides. Despite being quite small in size, this bag is suitable for storing all the essentials, such as keys, flat wallets, credit cards, make-up and phones of size up to the iPhone7. In reality, no detail is neglected. The central zip acts as the main closure, and divides the bag into three compartments (one closed and two open) all covered in suede and fabric. Inside the closed compartment there is another small closed compartment with zip.

The dimensions are typical of a small but not minuscule bag: 16.5 cm wide, 13.3 cm high and 10.2 cm deep. The removable shoulder strap, on the other hand, is quite long, measuring 59.7 cm. Finally, the handles are comfortable to hold, with a height of 6.3 cm. Available in Coach monobrand stores, in stores or online at the official website of the US brand.




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12 Chanel bags to have from the collection 2018-2019 Autumn / Winter

12 Chanel bags to have from the collection 2018-2019 Autumn / Winter 

Chanel Bags Fall Winter 2018-2019


The new collection of Chanel Fall / Winter 2018-2019 bags is filled with unique and very unique creations. The French Maison dedicates to the cold season original novelties that it is impossible to resist, focusing on warm fabrics such as fur and tweed, but not only. From shoulder bags to larger hand and shoulder shapes, let’s discover together the models not to be missed from the Chanel winter 2019 catalog.

The Chanel 31 large shoulder bag


Like collections like the Prada Fall / Winter 2018-2019 bags , Chanel also offers unique oversized shapes, starting with the brand new Chanel 31 shoulder bags, made of leather with silk, cotton and wool elements, with dark patterns vegetable theme but also in more vivid colors.

Price: 3150 euros

Also discover the most beautiful Chanel Fall / Winter 2018-2019 shoes .

Chanel maxi shopping bag in sheepskin

Chanel sheepskin bag fall winter 2018 2019

Protagonist during the winter parade in Paris, the maxi handbag shopping bag in sheepskin is one of the must have from the new 2019 collection, a model with leather and silver metal elements embellished by the Maison logo on the front panel.

Price: 6450 euros

Chanel shoulder bag embroidered

Chanel embroidered wool bag fall winter 2018 2019







But among the most beautiful Chanel shoulder bags from the 2019 winter catalog we find especially the embroidered wool models, the most refined and chic, with themed decorations of autumn leaves in shades of pink, red and gray.

Price: 8350 euros

Chanel python clutch bag

Chanel python clutch bag fall winter 2018 2019

In the range of elegant evening bags Chanel we find especially models in exotic leathers like the python. The clutch bag in the bronze and black photo has a compact and rigid shape, with gold elements to complete the shape.

Price: € 4150

Take a look also at the Jimmy Choo Fall / Winter 2018-2019 bags .

Gabrielle De Chanel bucket bag

Chanel bucket bag fall winter 2018 2019

At first glance, the Gabrielle De Chanel bucket bag in aged leather, with quilted leather elements and decorations in silver and gold metal, is an absolutely unmissable orange and pink model.

Price: 3280 euros

Chanel quilted shoulder bag

Chanel shoulder bag in lamb and python autumn winter 2018 2019

For lovers of the classic Chanel is the shoulder bag in black lambskin quilted in the picture, a retro inspired shape with woven shoulder strap with metal elements and a double C logo on the lock.

Price: 4200 euros

Chanel evening bag 31

Chanel clutch bag 31 autumn winter 2018 2019

Among the most beautiful Fall / Winter 2018-2019 elegant handbags we find the Chanel 31 clutch bag, an evening bag with a patent leather base and details in python with themed winter leaves among the finest in the new collection.

Price: 5250 euros

Chanel 31 shoulder bag white

Chanel large shoulder bag in tweed and leather autumn winter 2018 2019

The Chanel 31 large shoulder bag is very refined in the version with white leather base, a chic and particular day bag with tweed panels in shades of gray, beige and brown and a shoulder strap that can be hidden inside.

Price 3250 euros

Discover the most refined luxury Fall / Winter 2018-2019 bags .

Gabrielle de Chanel backpack in tweed

Chanel bucket bag in tweed autumn winter 2018 2019

As already mentioned, the tweed marks the most particular Chanel creations such as the Chanel Gabrielle backpack with metal drawstring and brown leather base, a classic to show off with casual daytime looks.

Price: 2980 euros

Chanel tweed shoulder bag

Chanel shoulder bag in tweed autumn winter 2018 2019

The tweed back for the Chanel shoulder bags more bon ton, like the model in shades of silver, black and ecru in the picture, a revisited evergreen of the Maison.

Price: 3290 euros

Chanel hobo bag in aged leather

Shoulder bag in aged leather and tweed Chanel autumn winter 2018 2019

For those who love the vintage touches, there is the Chanel style big shoulder bag in aged and quilted leather with tweed top in different shades of brown, one of the most particular creations from the line of Chanel bags 2019.

Price: 3750 euros

Chanel ball clutch bag

Chanel round bag in sheepskin and leather autumn winter 2018 2019

Last but not less glamorous, the Chanel ball-shaped sheepskin clutch bag, an original model with leather and silver metal parts embellished with the logo along the front panel and small interwoven handles in shades of brown and orange.




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