L - Q
Hiring: Room, ground, housing… placed at the disposal occupying against the payment d´un rent. The owner or financial backer, and the tenant of the good are bound by a lease or leasing agreement, this n´étant last necessarily not established in writing. However, establhisment lease written between the owner and the tenant are strongly recommended. The mode more the current of hiring for l habitation is the naked hiring, it's the hiring without supply of pieces of furniture.
Batch: Portions out delimited and limited forming part allotment.
Rent: Sum paid by the tenant with the owner n the other hand of the pleasure d´un real estate given in hiring.
Raised hand: Act which puts an end to the effects d´une mortgage. This act causes expenses, called expenses of raised hand.
Project superintendent : Nobody or undertaken indicated by the Master d´ouvrage and charged with concluding construction d´un housing. This role is generally assumed by architect or the manufacturer.
Building owner : In the real field, nobody for the account of which construction d´un housing is carried out. It finances operation and chooses a Master d´oeuvre, charged with execution of work.
It's generally the promoter or the private individual who assumes this role.
Mandate: Contract by which a person (the constituent) gives to the another (the agent) capacity to d´accomplir on her behalf one or more act (S) legal (S). |
Realtor: Tradesman whose l activity consists in buying buildings for its own account and to then resell them with intention to carry out a benefit. This n´est activity not regulated, therefore n´offre not same guarantees that those of agent real
Monthly payment: Summon paid each month to refund a loan. A monthly payment is partly made up of d´intérêts and return of capital partly and financial expenses. The share of the interests decrease with time.
Put in residence: Recall addressed by act d´huissier or letter registered to a faulty debtor, ordering d´exécuter to him its obligation within a given period of time, or else a procedure will be committed in its opposition.
Mobilization: To mobilize a credit d´un ready consists to represent it in a title that l´on can yield definitively or temporarily in order to get the liquidities necessary to its activity.
Modulation of the expiries: For certain types of loans, l empruntor can modify his monthly payments with the rise or the fall.
Change: Transfer of the right
Hypothecation: For a loan on real property, c´est a contract by which l empruntor gives to the bank a personal property or real as a guarantee (transferable securities, contract d´assurance life,…).
N´arrive S´il to more pay its monthly payments, the bank will be able to seize the good and to resell it
Notary: Public officer intervening in any real transaction. It is charged to write the sale contracts, to join together all the administrative parts necessary to the transaction (certificate d urbanism, extract of land register) and to check various legal information and of an administrative nature in order to avoid any later problem. It also has a role of council and can intervene like intermediary in the negotiation.
It takes the expenses of notary with l´issue of the transaction. Only part of these expenses will be used to remunerate its work, the remainder is made up various paid rights and taxes with l´Etat and the local communities.
OAT (Assimilable Obligation of the Treasury): Loan French d´Etat emitted for one duration from 7 to 30 years.
The rate d´intérêt of the OAT is used as reference to calculate the rate of your credit atfixed rate: a fixed rate could be described like rate OAT + 1,20% for example.
Offer of loan: Document that must to obligatorily address you the loaner bank and which specifies all the characteristics of your credit.
Aprés reception of this document, you must respect time for consideration 10 days before accept or not offer. This time, the purpose of which is to protect empruntor, cannot be reduced.
The drafting of offer of loan is strictly règlementée. Many elements must appear in it: the TEG, the nature of the loan, its amount, the d´emprunt duration, the penalties of repayment before due date, the total cost of the credit as well as the character and the cost of the ancillary costs (guaranteed, insurances, expenses of file,…).
Fixed option rate: Possibility left with a borrower substitute for the revisable rate of its loan a formula atfixed rate and constant refundings.
NOT (Ready Social Accession): The STEP is an Officially agreed Loan allotted under condition of resources. It offers many advantages: insurance unemployment free, fresh of file reached a maximum, reduction of expenses of notary,… He can finance jusqu´à 90% of your operation and can thus be used as principal loan.
Penalties of repayment before due date: The repayment before due date is common in the event of resale of the good or following an important re-entry d´argent. A penalty from 0 to 3% of the capital remaining due will be required. This penalty is often null for the loans atrevisable rate, but can be important for the loans atfixed rate.
The law of the 01/07/1999 provides that you will not pay penalties of repayment before due date if refunding is constrained, c´est-with-statement s´il is carried out continuation:
· with the death of l empruntor or united sound,
· with a change of the place of work of l empruntor or joint sound (or of the Co-borrower),
· with the forced suspension of professional l activity of l empruntor or joint sound.
Period d utilisation: It begins the day of the payment of the first call of funds and finishes the day when the totality of the credit is resolved. During this period, any refunding s´effectue; only the interests and l´assurance are taken (see interim interest).
Period of differed: Period during which, whereas the totality of the credit was resolved, l empruntor does not refund the borrowed capital. For this period the interests are paid or capitalized according to terms' of l´offre.
Period of availability: Period separating the date d acceptation of l´offre of that from the first use of the credit.
Period of refunding: Period intervening according to case's immediately afterwards:
either the integral releasing of the loan or at the end of the period of differed It begins the day of the payment of the first
Permit building: Administrative authorisation to build a housing or a building on a ground. It is delivered by the town hall and the DDE (Departmental Direction of l´Equipement).
PIBOR: Rates to which the banks lend themselves money on the place of Paris. It was supplanted by Euribor, rate European similar.
PIBOR was used d´indice as reference for many revisable rates.
Plan of mass: Plan presenting placement project of construction compared to its immediate vicinity and indicating the limits and l orientation of the ground, l implantation and the height of construction, the layout of the access roads and connections.
Plan of situation: Plan giving the geographical situation of the ground concerned in the perimeter of the commune on which it depends.
urbanism plan: Plan drawn up by a town planner and fixing the program of l´aménagement d´une city or d´une agglomeration: layout of the lanes, site of open and wooded spaces, the public installations… This plan determines l affectation of the various zones (districts d´affaires, industrial parks, collective or individual dwellings…) and prescribed the rules d utilisation of the ground and construction. Consultable with the town hall.
Plan/Table damping: Table detailing for each expiry, the amount of the monthly payment, the distribution of refunding enters the capital and the interests and the amount of remaining capital to refund.
This document must obligatorily appear in l´offre of loan, except for the loans atfluctuating rates where this table does not appear qu´ as an indication (refundings vary in function d´un index of reference).
Occupation plan of Grounds (POS): Document d urbanism règlementant common l utilisation of the grounds d´une and fixing directives on l´évolution of l urbanisation. It in particular makes it possible to know if a ground is constructible or not.
The grounds are divided into several categories:
· urban,
· urbanisable,
· natural.
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Pons (law): Device of desfiscalisation intended to develop the investments carried out in the DOM-TOM. The private individuals who invest in new residences intended to be rented can have right, according to certain conditions, with tax reductions.
Loan in the constant term: Loan atrate and fixed monthly payments. The amount of the monthly payments remains the same one throughout all loan. C´est the formula of rate fixes most traditional.
Loan in the progressive term: Loan atfixed rate and increasing monthly payments. The amount of the monthly payments increases each year, according to a rate/rhythm decided with the signature of the loan. For example, you can decide that your monthly payments will increase by 2% per annum. This formula allows d´alléger your monthly payments during the first years of refunding and to weigh down them then to draw part d´une rise of your incomes.
Redeemable loan: Character of the majority of the loans granted by the banks. Contrary to the loans in fine, the refunding of the capital is spread out in the time and is not carried out in only once. Throughout loan, you refund at the same time the capital and the interests. For the loans in the constant term, the share of the interests decreases with time, whereas the share of the capital increases.
Officially agreed loan (PC): Loan allotted without condition of resources and being able to finance to 90% of the amount of your operation. It opens right to l´APL, l´Aide Personnalisée with Housing. The STEP (Ready Social Accession) is a form of Officially agreed Loan subjected to conditions of resources.
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Loan civil servant: Loan, maximum amount of 811.23 €, allotted without condition of resources to the civils servant and to the servants of l´Etat. It is distributed by the Building and loan association of France and is granted only in complement Officially agreed Prêt (PC) or one Loan Accession Sociale (NOT).
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Loan in fine: In opposition to the redeemable loan, it s´agit d´un ready of which you do not refund, for its length of time, which interests. The capital n´est not deadened but is refunded in only once, with l´échéance.
The paid interests are higher than for a redeemable loan, but are deductible from your incomes. You can thus make substantial economies d´impôt, especially if your rate d´imposition is high. Moreover, the monthly payments throughout credit are much weaker: while placing l´argent not devoted to the payment of your monthly payments, you can garner regular and important incomes.
Flexible loan: Loan atfixed rate and flexible monthly payments. You have the possibility, throughout all d´augmenter, loan or to decrease the amount of your monthly payments according to your re-entries money. Such a decision involves, in fact, a variation of the duration of refunding. The conditions of the loan specify maximum l´amplitude of the modulations, and the maximum number of possible changes.
Multirate loan: Loan atrate fixes whose monthly payments can be adjusted according to refundings of the other contracted loans. For example, if you contracted a loan with 0% and that you must refund for this loan 1600 F month during 7 years, it is possible to contract a principal multirate loan with monthly payments decreased of 1600 F during the first 7 years so that your load of refunding too is not crushing. This loan thus allows d´égaliser your refundings over a long period.
Loan relay: Advance allowing to the owners d´acheter a new housing while waiting to sell their current housing. This loan is granted in l´attente realization of the sale and is for this reason relay. Its amount can s´élever jusqu´à 80% of the estimated price of your current housing. As soon as the sale is carried out, you will be able to refund the loan without paying penalties of refunding. The maximum duration is generally limited to 2 years.
Loan for l´Accession with Property (PAP): Help of l´Etat allowing households modest incomes l´accession with the property d´une principal dwelling.
Precede with l Amelioration of l´Habitat (PAH): Help granted to the physical people who carry out in their main home of work d amelioration, safety, health and comfort like d adaptation to the needs for the old or handicapped people. Housing must have more than twenty years.
Firstly reaching: Nobody who n´ forever be titular d´un right of real estate, and which buys for the first time a housing intended for its own use.
Privilege: Right which the quality of the credit gives to a creditor d´être preferred with the other even secured creditors. With the difference of l´hypothèque, the privilege is always born from the law (whereas l´hypothèque can be conventional, legal or legal).
Privilege of Lender of Sums of money (PPD): Guarantee giving to the bank the priority on all the other creditors and all the other guarantees in the event of non-payment of your share. Like mortage, the holder d´un PPD will be able to obtain the resale of the good and to take on this sale the amount remaining to be refunded by l empruntor. The PPD is a notarial act.
Unilateral promise of sale: Act by which the owner real estate engage, for one given duration (generally 3 months), to sell to nobody d´autre qu´au candidate purchaser and specifying the conditions of sale of the good. With the signature of l´acte, l achetor will have to pour an allowance d immobilisation accounting for 10% of the selling price. This formula is less constraining for l acqueror compromised qu´un sale or synallagmatic promise, which is a definite sale and final. Indeed, it with the possibility of retracting the signed promise once, either by giving up l indemnity d immobilisation with the salesman, or if one of the condition precedents specified in the contract is carried out.
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