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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.

Celine

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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