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Lagarde Law regulates the acquisition of credit.

You have accumulated loans, consumer loans with various lenders for the purchase of a car, appliances, a home loan, a credit for the work, a reserve of Silver (revolving credit).

The purchase of credits is an operation designating combination of these various stocks and funds they are real or consumption in a single loan .

Main objective: reduce debt household, reschedule and repay debts serenely.

After framing advertising, Lagarde Act (Act 2010-737, 1 st July 2010) focused on the acquisition of credits and especially on the legal regime applicable when the share of housing loans in the business combination is greater than 60%.

Above => rules of protection of property loans, period 10-day cooling, prepayment fee (ARF) capped at 3% of capital repaid.
Below => rules protections of consumer credit.

Finally, there is an obligation to the lender to repay revolving loans directly from the original lender.

The purchase of credits is a tool of struggle against the debt for borrowers, including victims of an accident of life.

Eric

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Mysteries of the mortgage

· You want to buy an apartment or house, and you need that your banker will lend you the money for this acquisition. Obviously, we need to expect that the banker makes a guarantee and the mortgage is a condition in this case almost systematically.

· The mortgage is a right that you give the banker : that to seize the property and proceed with its sale for non repayment of the mortgage. Still, unless you own the property and that you enjoy it completely: no dispossession of the property. You even the right to sell your property if you wish, but under certain conditions as discussed below.

· The mortgage is an act important only a notary is empowered to write ; must proceed with its publication and its recording the mortgage.

· costs inherent in making this guarantee are your dependents and must be paid at the notary when signing the deed. They include:

Ø Compensation notary itself, which is set according to a national scale based on the price of the sale.

Ø duties and taxes related to the acquisition: land transfer tax or Land Registry according to whether the property is old or new VAT, registration fees, salary of the registrar of mortgages, ... ;

Ø costs and expenses, that is to say all the costs incurred to prepare the case: cadastral, state mortgage ...

In the end, you'll have to pay a fee of around 3-4% the sale price on of nine and 7 to 9% of the former.

· The term of the mortgage corresponds to the length of the mortgage over 1 year. Beyond that, no step is to perform: automatically void the warranty. If your claim has no fixed deadline, registration is taken for a period of 10 years. After this period, the creditor may also request that the mortgage is renewed.

· If you decide to sell the property , know that the notary will be required vis-à-vis the prospective buyer to make the lifting of the guarantee mortgage. The banker gives general waiver of the mortgage payment against the sale of fruit in his hands to the repayment of the loan.

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HOUSING REFORM PLAN SAVINGS

This reform applies only to housing savings plans beginning on of 1 March 2011.

What changes

rate will now be set each year ( before December 5 of each year for implementation next year) - calculated from risk-free rate of the European money market.

The rate of pay ELP after 1 March will 2.50% guaranteed for the duration for a loan rate of 4.20% (this calculation remains the same: savings rate + 1.70%).

Social security contributions are levied each year and not at the time of closing or after 10 years as previously.

immediate consequence: the annual interest will be reduced and the final sum will be less interest over the life

While housing savings plans are currently not limited in time, in 2011, the ELP will be transformed into a savings account at the end of 5 years after expiry of 10 years.

rights to housing loans savings will be lost.

The bonus payment of state is now subject to more constraints to the extent where we must make a minimum loan of 5000 €.

The maximum premium is revised to 1000 €, but will increase to € 1,525 if the matter relates to a housing loan BBC

Finally the rate of the premium is subject to a new calculation: P = 100 x total interest / pay rate of the ELP. This rate is then confirmed by decree.

home savings plan can no longer finance a home secondary.

So, should we open a Housing Savings Scheme by March 1?

all depends on your goal, if you have a real estate project, the conditions of housing savings plan before March 1, 2011 are more favorable.

Christine

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Permit to 1 €: the keys are yours ...

1 - For what (s) reason (s) this device has been implemented?

Facilitate access to permit and thus obtaining a job

become responsible and gain independence

2 - Have you between 16 and 25 years of age?

Yes, you can benefit from the device

Not

3 - What (s) category (s) license covers this device?

Category B - Light Vehicle

Category A1 - light motorcycle

Category A - motorcycles over 125 cc 3

Trucks

4 - All driving schools are they partners in the operation?

Yes

No, it's driving schools approved permits to 1 € (agreement signed with the County Administrative Board - list driving schools partners http://www.permisauneuroparjour.fr/ )

5 - What are the funding conditions?

Have not previously qualify for this offer

4 possible loan amount: 600 € / 800 € / 1 000 € / 1 200 €

monthly repayments for a period ranging from 20 to 40 months

Amount deadlines = 30 € per month (interest paid by the state)

No fee

can benefit from a public bond

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At what rate can I borrow?

Need a loan? You ask questions, and one of your biggest concerns is the rate of your loan?

Above all, do you know which financial institutions to get these rates you propose?

You already have found a variation rate seeking the best terms for your financial funding. You're probably already in a situation where your advisor offering lower fees, guarantee cheaper, but could not lower the credit rate, while a nearby bank offered you a rate more attractive . You even consulted numerous websites which indicated different levels of credit available on the market. Why this change in rate from one bank to another and even between different regional branches of the same bank?

Several factors affect interest rates. In setting these rates, banks take into account the cost of borrowed money they borrow on the interbank market, their intermediation margin, assessing customer risk (risk of default on the financing provided) and structure of the loan (duration, delay ...).

order to offer loans, banks use the savings and deposits of their customers and if they lack cash, they borrow them on the interbank market domestic banks and credit institutions in which agents can borrow cash deficit agents in surplus cash. Interbank lending operations are generally short-term investments to short-term (mostly overnight, a day-). In the euro area, these loans are for reference of the EONIA rate plus a margin (spread), which corresponds to risk and hence the quality of the signing of the borrowing bank.

Another factor is the risk of default by the client. To assess this risk, banks take into account income, assets, operation of accounts and personal situation of the client.

Finally, the credit rate depends on the type of loan requested. The rate of borrowing for a consumer loan is different than a loan habitat. The rates are even higher than the loan term is long.

and Sonia Margarita

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City Council January 27, 2011 - Statement housing

The local housing program on Saint Fons

Intervention group WORKERS FIGHT

When you look at the proportion of social housing in various municipalities of Greater Lyon, one is immediately struck by the disproportion of one city to another. The percentage of social housing varies from 0.34% to Collonges au Mont d'Or, over 50% for cities such as St. Fons, and Vénissieux Vaulx-en-Velin.

The law imposes Theoretically, a minimum of 20% social housing. This percentage is exceeded only in 17 of the 57 municipalities that make up the Greater Lyon. Among others, 9 have less than 5% of social housing.

This is obviously not a coincidence. It is a choice made by the Commons not to drive the construction of housing or do as little as possible. For who said housing, said people in need. They are in less tax revenue and additional social needs also to satisfy. That's a funny way of showing its solidarity.

From this point of view, Saint Fons, can boast a high percentage of social housing: 55%. This shows in fact and not just in words, here the solidarity is not an empty word. Of course this means in terms of budgetary constraints.

The communes are facing the same need for infrastructure and utilities that richer municipalities of similar size. But they have lower revenues and needs help to the poorest most important. Under these conditions the differences and inequalities can only widen, and this is perfectly abnormal.

But as I think there are not enough social housing in many municipalities, as I say there are not too many in Saint Fons. This number of social housing is a reality, to real needs, which are also far from satisfied. The number of families forced to rent private housing in unhealthy and unfit is a reality.

Moreover, there has for years now, a real inflation on rents. It Moreover, this rental inflation has pushed many people, those whose incomes allowed it to become homeowners. But today, many of these owners are also in difficulties due to rising unemployment, stagnant incomes.

To conclude, I would say that force people to reduce poverty, by dint of despair, we end up pushing them to revolt, and the news of recent weeks in Tunisia for example, is proof.

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City Council January 27, 2011

Intervention group WORKERS FIGHT

Budget Vote

The vote on 2011 budget, is still marked by an extremely tight financial: debt of the city and the fragility of revenue.

On this last point that I insist tonight. That state grants are not up to the needs of the population, we said. As for the endowments of Greater Birmingham, and more particularly, the allocation of community solidarity, it will fall further. In three years, from 2008 to 2011, this decline represents more than 127 000.

At Saint Fons, a quarter of the population is under fifteen years to meet the needs of youth involves considerable outlay. A significant portion of the population is unemployed, which means many needs that the city should consider. And for many of our fellow citizens, the situation is worsening day by day. In

Accordingly, it is not less but more revenue that would be needed. And it is anomalous that this situation is not fully taken into account, both by the state, by Greater Lyon.

With the proposed budget, the municipality has chosen not to shirk its responsibilities vis-à-vis the population and to its priorities, in particular, on solidarity and Youth Awareness. We agree with these choices and we will vote the budget, although we regret any operating savings, taking account of the financial situation of the city.

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Scellier Act, but what is it??

Measure to support investment private rental.

This law was implemented in late 2008, replacing legislation Borloo and De Robien.

The tax benefit is no longer a decrease in taxable income, but reduced the amount of tax. (The Scellier can deduct a percentage of the cost of property acquired directly from the amount of tax).

Latest 2011

Since 1 st January 2011, the Act is amended Scellier. In 2011, the reduction rate is lowered 22% max cons 25% in 2009/2010.

The most advantageous feature housing benefit BBC (low energy buildings) that benefit from a rate of 22% reduction . rate reduction will be only 13% for other dwellings.

conditions:

· Buying a Home new or future state of completion.

· Commitment rent the naked use of main house for 9 years minimum to a tenant other than a member of the tax household.

· The rent ceilings are set by decree (new ceilings Scellier 2011)

· Maximum amount investment is of 300 000 € (one unit per year)

Advantages:

· Ability to acquire housing in the context of a joint ownership or an SCI.

· The device is compatible with the financing in Social Rental Loans (PLS).

· Investment rental by way of a subscription share REITs (Real Estate Investment Company Collective) allows the subscriber to qualify for the tax reduction.

In conclusion the Scellier has a proprietary interest as it reduces its taxes, enhance returns over the medium and long term and ensure an additional income.



Christine and Frances

2nd Anneversry Letter

text review municipal

Insurance increases for individuals at 1 st January between 3% and 8%. At Saint Fons, the company that insures municipal buildings claimed to increase prices by 14%. Finally, it will be only 10%, so to speak!

Everyone, individuals, such as town halls must secure their homes, buildings, vehicles ... and know the insurance benefit.

They claim that their costs have increased because they have had claims. And they allege Xynthia storm, flooding the Var ... But Does that make anyone believe they are making losses, while in recent years all the major banks have engaged in the business of insurance.

In fact, insurance companies want to ensure their shareholder returns as attractive as other speculative financial investments!

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Room for two persons with all necessary comfort to your stay. Kitchen available

Sheets and towels included.
bathroom and separate toilet
free Wi-Fi

Breakfast offered

the apartment is located 5 minutes walk from the Gare St Charles
Bus and Metro Station Velib
3 minutes walk

Easy parking

Mininum stay: 3 days

No deposit to pay a credit card imprint is requested and returned at the end of the stay.

Rates:

€ 60 per night and person
€ 375 per week per person

Marrige Cogratulation Message

No use running, you must release point

When financing a purchase without work, the mortgage is paid in one installment when signing the deed of sale before a notary. The first installment includes in this case the payment of a portion of principal and interest.

However in case of house construction, major works or acquisition of property for sale in the future completion (Off Plan), payments will be made more unlocks.

bank through the mechanism of anticipation can begin repayment of principal only when the loan is fully disbursed.

In this case, or borrowers will pay only the interest expressed at intermediate to high rates of loan money made available until the release of the loan.

The period of advance is limited to 24 months for work and 36 months for construction.

However if the loan is disbursed in full before the end of that period, or borrowers begin to pay principal and interest attached to the loan when the monthly payment after the last release.

To illustrate this, let's take the example of a loan used to finance the purchase of land and construction of a house, this loan is here to 120 € 000 over 180 months at a rate of 4% to 5 with a payment each month.

The first release of 60 000 € will be held April 5 at land acquisition, the second € 30,000 on September 5. The final release of 30 000 € will be held on September 5 next year, the loan will be released in full and customers start to pay principal and interest.

	maturity after the first release	maturity after the second release	Maturity after total release Loan	Total interest
Unlocking once No advance			€ 887.63 180 months	39 € 773.40
With 36 months of anticipation	€ 200 5 months	€ 300 12 months	€ 887.63 180 months	44 € 373.40

The law imposes a phase advance for regulated loans (zero interest loans, approved loans and Ready for Accession social) and in the presence loans with smoothing.

Although interim interest add to the cost of the loan, they allow borrowers to take on rent during the construction of their future home.

Contrary to the adage "more is more along is good", more advance phase is longer and the cost of the loan is important.

Delphine, William and Laurie

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