I - P
Total temporary incapacity of Work: Temporary impossibility following a disease or with an accident, to practice a profession getting profit or profit with the policy-holder.
Absolute and Final disability: Impossibility of practicing an unspecified profession being able to get profit and profit, and of carrying out acts of the everyday life without the assistance of a third person.
Legatee: Recipient of a legacy, liberality contained in a will.
Bill of exchange: Commitment entered into by a debtor to pay a certain sum on a certain date in favour of a recipient. The bill of exchange must satisfy very precise requirements of form and emanates from the creditor (gunner) who makes it accept by the debtor (drawn). The discounting banker is known as “indorsee”.
Leasing (leasing): See leasing. Leasing is a technique of financing identical to that of leasing.
Financial hiring: The financial hiring is a hiring of long duration in which the financial backer (owner) places at the disposal of the user (tenant) a material, chosen by this last, with the help of the payment of rents for one irrevocable length of time fixed in the leasing agreement.
Multisupport: A multisupport contract indicates a contract of insurance life having several Units of Account. With these Units of Account can be added a support into FF.
Hypothecation: Conventional guarantee, also called pledge, bearing on a tangible personal property (for example goods) or intangible (for example credit) being able to guarantee any credit authorized by the bank. |
Naked-property: Right of ownership not conferring on its holder (bare owner) only the right to have a good, but not to use of them and to perceive of them the fruits, which belongs to the usufructuary (see usufruct).
Obligation: Transferable security representative of a right of credit on a transmitter, one duration in the middle to long term. Particular category, convertible obligation: obligation offering the right to the bond-holder, under certain conditions, to ask of it conversion into action in the transmitting company of the obligations.
OPCVM: Undertaking for collective investment in Transferable Securities. This term covers the SICAV and the CPF.
Social share: Document of title representing a fraction of the capital of certain companies: SNC (Partnership), SCS (Limited liability Partnership), limited liability company (Limited liability company) or of Civil Companies (SCI, SCP…).
Appreciation: Profit carried out during a transfer of share (S) or action (S). For a OPCVM, the appreciation is calculated in the following way: (price of repurchase - export duty, if necessary) - (price of subscription + import duty).
Legal tender contractual taking away: Tax option making it possible the saver to be contractually imposed on the incomes of certain marketable securities on income fixes (obligations and titles of the money market) in order to be definitively released from any other tax. The contractual tax is taken then directly with the profit of the State during the payment of the income (its rate is generally 25%).
Privilege of the lender of sums of money: Guarantee legal benefitting the lender for safety from refunding from a loan intended for the payment from the price from acquisition from a real estate, obligatorily noted by notarial act. It causes less expenses than a mortgage (not of perception of the tax of land publicity).
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