January 2011

Thursday, January 27, 2011

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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.

Wednesday, January 26, 2011

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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

Wednesday, January 19, 2011

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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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