A - B
1% housing 1% employer: All the companies of more than 10 paid are held to devote each year 0,45% of the wages paid to the financing of the residences of their employees. This contribution is called the 1% employer (it was 1% with origin).
It is redistributed with paid and must be affected:
· is with the financing of loans at reduced cost, the loans 1% housing,
· is with the provision of residences in hiring at preferential price
The loan 1% housing is a loan very interesting for the future borrower. It is granted without condition of resources and its amount can go to 110.000 F. the rates suggested are approximately 1,5%. The housing financed by this loan must relate to your main home.
Purchase in joint possession: Purchase in joint possession allows people without family tie to purchase together a real estate. This formula interests the people particularly living in cohabitation. The purchasers sign a convention dŽindivision which makes it possible to define the quota of each one, which nŽest not obligatorily equalizes. Each indivisaire can authorize on its share a mortgage. Indivision cease either by the sale on behalf of the indivisaires, or by the death of one of them.
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Notarial act: Act written by an officer public (notary for example) and signed in his presence.
For example, lŽacte of sale real estate is a notarial act, contrary to the promise and the compromise of sale which can be signed directly between the parts, without intervention dŽun public officer.
ADIL/INDIGO PLANT: The network of the INDIGO PLANT (National Agency for l Information on Housing) and of the ADIL (Departmental Agency for l Information on Housing) offers to the private individuals a complete and free council on all the problems of housing, which they are legal, financial or tax.
It is officially agreed by the ministry in charge of housing and is financed by lŽEtat and the general councils.
Administrator of goods: Professional who ensures, as an agent, lŽensemble operations of real management dŽun.
He is also called manager dŽimmeubles or syndic of joint ownership.
Informal agreement: In the real field, cŽest an act written and signed between the parts without lŽintervention dŽun notary or of any other public officer.
It sŽoppose with lŽacte authentic
Sale contract: Contract by which l achetor becomes definitively owner dŽun well.
He confirms the promise or the compromise of sale. LŽacte of sale must be authentic, cŽest-with-statement written by a notary and signed in his presence.
Abatement: As regards taxation, operation which consists in decreasing contractually the base dŽimposition dŽun household.
For lŽimpôt on the income and the employees, the French law envisages a first abatement of 10% for professional expenses then a second abatement of 20%.
One thus distinguishes the assessed incomes before abatements from the assessed incomes after abatements.
Installment: money given by l achetor to the salesman during the signature compromised one real commitment to sell.
Contrary to the down payments, it definitively engages l achetor and this one will not be able to retract: after payment of lŽacompte, except in the event of suspensive clauses, l achetor can be constrained to pay the balance.
Incount in general accounts for 10% of the value of the good.
Real-estate agent: Professional intermediary which connects the purchasers and salesmen, hirers out and tenants of real goods.
It perceives a commission on the sold goods or the rents.
Allowance Housing (A.L.): This help is granted, under conditions of resources, with the borrowers who buy their main home with lŽaide dŽun ready which nŽouvre not right to lŽA.P.L. Contrary to lŽA.P.L., l Allocation Logement is directly versed with l empruntor, and d Allocation Logement requires it must be addressed to the Case dŽAllocations Familiales.
Damping: Planning of the refunding of the capital according to a given calendar.
LŽamortissement can be spread out in the time, in several monthly payments (redeemable loan traditional) or carried out in only once, with lŽéchéance (ready in fine).
ANAH (National Agency for l Amelioration of lŽHabitat): Public organization distributing of the subsidies to the owners, financial backers or tenants realizing of work of rehabilitation in their housing. The amount and the conditions dŽaccès with these assistances vary according to the type of housing, the nature of work and incomes' of the recipients.
APL (Assistance Personalized with Housing): Help allowing the households to reduce their financial expenses of hiring or dŽaccession to the property dŽun housing.
For an acquisition, it is allotted under condition of resources complement dŽun Officially agreed Prêt (PC) or dŽun Prêt dŽAccession Sociale (NOT) by the Cases family dŽAllocations. This nŽest help granted that for lŽusage dŽune main home. Its amount varies according to the incomes, the marital status of the household, the place of residence, the nature of housing, the amount of refundings and the dŽenfants number with load.
We advise you to inform you near your Caisse dŽAllocations Familiales.
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Personal capital contribution: Summon that you can invest initially in your operation. It sŽagit:
· in a strict sense, of the part of your economies which you devote to the project,
· by extension, certain helped loans which supplement or constitute your contribution: Loan Saves Housing, Prêt 0%, Prêt 1% Housing or Ready Civil servant.
The bankers analyze lŽapport expressed as a percentage personal total amount of l operation. Thus, if you seek to finance a project dŽune value of 1.000.000 F with a personal capital contribution of 300.000 F, it will be said that you have a contribution of 300.000/1.000.000 = 30%. You will thus request a loan for the 70% remainders of the amount.
Architect contracting general: The Architect Contracting General proposes with his customer an offer turn-key which includes/understands the study of the building, the cost of construction and the insurances.
This offer describes the services clearly and engages the Architect Contracting General on the delivery date of work. According to the complexity of the project, this offer is carried out after two to three meetings of work with the customer or after a mission of remunerated preliminary study. This mission can include/understand various tasks as the research of the ground, the study of the programming, complex statements of existing buildings, architectural studies, or the realization of a step of participation with the employees of the company.
In the case of the construction of a house, the law prohibits any remuneration before the signature of the contract of construction turn-key. Once the contract establishes and signed by the parts, the Architect Contracting General makes studies within his company of architecture and makes realize by its under treating work. Regular meetings make it possible to check the conformity of the studies and work compared to waitings of the customer and the contract.
This manner of making is appreciated by the customers who seldom build (some for the first time). That enables them to have very quickly an engagement on the cost and avoids to them signing a multitude of contracts of employments and managing many invoices. LŽArchitecte Contracting General sŽengage by contract on quality, the prices and the deadlines.
Down payment: Somme dŽargent given by l achetor to the salesman during the signature compromised dŽun or dŽune real commitment to sell.
Contrary to lŽacompte, the two parts keep the possibility of retracting and of not carrying out the sale. If l achetor desists, it will give up with the salesman the totality of the down payments. If cŽest the salesman who desists, it must restore with l achetor the double of the amount of the down payments.
Insurance - death - disability: This insurance is compulsory to contract a loan on real property. L assuror sŽengage to be dealt with the refunding of the credit in case dŽaccident leading to the death, an important state d invalidity or a disability of l empruntor.
Insurance: Compulsory insurance subscribed by the manufacturer dŽun housing in order to cover the possible damage.
It must include 3 types of guarantee:
· guarantee of perfect completion or biennial: cover the conformity and constructional defects
· guarantee of correct operation or quinquennial: cover the defects of the elements dŽéquipement housing such as doors or windows,
· guarantee of solidity or decennial: cover the damage attacking the solidity and with the perenniality of housing.
Insurance loss dŽemploi: This insurance nŽest not always compulsory. In the event of loss dŽemploi, it compensates for the loss of income of lŽassuré by dealing with temporarily whole or part of refundings of the credit. The guarantees strongly vary dŽun contract with another, thus take time to read it.
Group insurance: Insurance taken by a group (banks, company, association,
) he allowing to subscribe of the contracts for the account of its paid members/. Almost all the banks have their group insurance death-disability, quŽelles propose to the people subscribing a loan on real property.
Credit insurance: Insurance protecting empruntor and the physical bank desease (death, disability) or from loss of incomes (unemployment).
Two loan insurance types are distinguished:
· death - disability insurance,
· lost employment insurance.
Lease: Document defining the contractual relations between owner and tenant. Some are subjected to a particular regulation, dŽautres concern the free will of the parts within the framework of the provisions of the Civil code. They are also called leasing agreements.
Lease home : Leasing agreement relating to a room with home use or mixed use (professional and dwelling). The lease engages the financial backer for at least 3 years. The tenant, can cancel constantly to him, with the proviso of respecting a 3 months notice.
Besson (law): The law Besson is intended to the private individuals who invest in a new or old housing intended for the hiring. It makes it possible to deduce from its land incomes, in addition to the interests dŽemprunt and the land loads, also lŽamortissement of the cost price of lŽimmeuble. Conditions of rents and resources of the new tenant must be respected. These conditions are defined by decree each year.
For more informations, consult the www.loibesson.com site
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