R - V
Reception of work: Act by which the building owner states to accept building(or work) without or with reserves, in the presence of the manufacturer. This act intervenes at the request of the building owner or the manufacturer. If the reception n´est not accomplished with friendly, it can be granted judicially. It constitutes the starting point of the various guarantee periods.
Payment of joint ownership: Written document which governs the rights and obligations of the joint owners. It is established by a professional according to indications' geometrician-expert and if possible of the manufacturer of building. It defines the various batches (apartments, cellars, carparks…) with for each one l indication of its geographical situation, its stage, its surface and the number of percentages represents for the payment of the loads. It specifies the common parts and the privative parts and defines their conditions of pleasure (For example, prohibed exercice an occupation in building). It recapitulates all that must know about the rights and obligations of the joint owners real given.
Refunding by anticipation: This operation consists in refunding whole or part of the capital borrowed before l´échéance of your loan. The repayment before due date is common in the event of resale of the good or following an important re-entry money. 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 if iis carried out continuation: - with the death of empruntor or united sound, - with a change of the place of work of empruntor or joint sound (or of the Co-borrower), - with the forced suspension of professional activity of empruntor or joint sound.
Recovery: Somme money required at the time of its departure by homer tenant of his successor. |
Main home: Housing that you occupy permanently (with-statement at least 8 months per annum) and, by extension, housing where you domiciled fiscally. Indeed, in case (for example if you live the half of year in a place and other half in another housing), c´est the tax department which will determine your main home.
Second home: Housing where you live that temporarily during year, contrary to your main home. Housing which you less occupy than 8 months per annum. |
Cancellation: Faculty stop the effects contract of lease. It can intervene in particular with initiative of the parts. The owner d´un housing lays out faculty of triennial cancellation to build, rebuild, raise l´immeuble rented or y to carry out work of restoration, like living itself there. The tenant can cancel his lease, with l expiration of each triennial period, without particular reason.
Resolution: The resolution sale, c´est its cancellation, as that of all the legal documents which could be posterior for him (mortgage, etc).
Cadastral income: It is equal to the decreased cadastral rental value standard abatement of 50%.
Land income: Emanating income of the land and buildings. Perceived by the owner, it comes from the hiring or the sale real estate.
Land income Net: It is equal to the gross income land decreased of the fiscally allowed loads, namely:
· expenditure of repair, maintenance, improvement ,
fresh of management,
· interests of the loans relating to the above mentioned operations and purchase of building,
· all-in deduction.
SCI (Real Civil Company): Company intended to be owner of real goods. The associates SCI (persons or entities) make real contributions at the company and, in exchange, receive shares of its capital. The SCI escapes l´Impôt on the Companies. The associates pay l´Impôt on the Income for the fraction of benefit corresponding to the percentage of capital qu´ils have in the SCI.
SCPI (Civil Company of Investment in real estate): The SCPI are like SICAV or CPF in the real field. It s a company intended to constitute and manage a real park of rental use (commercial buildings or residences) with l´aide of the capital deposited by the savers. Those receive incomes each quarter on the rents and accumulate appreciations on their funded capital.
Over-indebtedness: There is over-indebtedness when the monthly payments of your loan are such as you cannot ensure refunding of it any more. Several solutions s´offrent with you: - is you manage to negotiate with your creditors and to secure rééchelonnement your loan. - if necessary, you can approach the commission concerning over-indebtedness of the private individuals (one by department) which will be able to suspend all the continuations against you and will be charged to set up a payment at friendly. In the event of failure, you can address yourselves to the magistrates' court.
Surface corrected: Livable surface of appartment, to which one adds or one cuts off a certain surface according to whether housing answers or does not meet the standards of comfort. The criteria taken into account are the means of heating, the luminosity of the parts, the height of the ceilings, etc Ainsi, an apartment of 60m2 livable can have a doubled amended area s´il is particularly well equipped.
Floor space (except clear work): Summon surfaces of the floors of each level after deduction of the roofs and the nonsuitable basements for l habitation, the roofs terraces, the balconies, the loggias, the nonclosed surfaces located at the ground floor and of the garages (definition very close to that to livable surface). Contractual application then reduction of 5%.
Livable surface: Surface housing strictly intended for living. It not include cellars and basements, balconies, staircases and other places nonlivable. It must be specified in the sale contract or the contract of construction.
Overall surface rough (SHOB): Together surfaces of the floors of each level d´une construction.
Overall surface: Surface resulting from external measuring one construction
Synallagmatic: contract is said which comprises reciprocal obligations.
Table draming: This document is joined to offer of loan, it indicates the amount which had by empruntor in each term by detailing the distribution of refunding between: the capital, interests, the premium relating to the insurances and the capital remaining due after each monthly payment. This table does not relate to the fluctuating rates. The table d´amortissement is in appendix of l´offre of loan.
Wrapped rate: Form revisable rate conceived by the banks to protect their customers d´une too big rise from the rates. The rate of the loan is revised periodically but it cannot exceed a course or ceiling defined during the signature of the contract. This loan offers a higher starting rate qu´un ready revisable without cover (0,5 to 1 point d´écart on average) but offers in exchange a greater safety.
Rate : Rate allowing to calculate the interests of loan.
Fixed rate: The rate is fixed at the signature of the contract and remains constant over all the duration of the loan. Several formulas are possible: loan in the constant term, the progressive term, flexible.
Nominal rate: Rate basic of the loan. It n´inclue not expenses of file, d´assurance and of guarantee.
Revisable rate or variable: The rate of the loan n´est not fixed definitively at the signature of the contract but it evolves/moves with the rise as with the fall according to évolution index of reference, generally Euribor. The rate offered is weaker than for a loan atfixed rate and it n´y generally does not have penalties of repayment before due date. N the other hand, a loan atfluctuating rate is riskier because your monthly payments vary. There are however formulas of fluctuating rate with cover making it possible to protect itself from a too big rise from the rates.
Tax d habitation: Tax paid by homer of housing furnished at January 1 with tax year, whether it is in the capacity of owner or tenant. The amount is calculated by multiplying the rental value of housing by a rate fixed each year by the commune where you reside. If you are owner, you will be exempted tax d habitation if housing unoccupied and is not furnished. You will have moreover to pay the land tax.
Tax land: Tax paid by the owner housing at January 1 with tax year. Certain residences, in particular the majority of the social housing, are exonerated from it. The amount is calculated by multiplying the rental value of housing by a rate fixed each year by the commune where housing is. If you are also homer of this housing, you will have to pay in more the tax d habitation. |
TEG (Total Effective Rate): Rate measuring the real cost of loan. In addition to the nominal rate , it includes the expenses of file, the expenses insurance and of guarantee. It must obligatorily be reproduced on your offer of loan.
Rental value: For a housing, c´est the amount to which one estimates it could be rented, by taking of account the market rates. It is used to calculate the taxes d habitation and layer.
Cadastral rental value: Fixed by tax administration, it corresponds, after actualization, with the rental value of property appreciated at the time of the last revision of the land evaluations.
Monetary value: Silver estimate of the value well at a given period.
VEFA (Sale in Future State Achievement)
Sale d´un new housing of which construction n´est not completed. It s generally of the residences sold on plans by the promoter-manufacturers.
Sale turn-key: Real sale d´un already built that l acqueror buys on the basis d´un firm and final price.
Sale in life annuity: Real sale contract by which l achetor, in addition to an initial payment freely selected between the parts (“bouquet”), will pay with the salesman a revenue during all the life of this last. The revenue is calculated according to the balance between the bouquet and the price selling, and l´espérance of life of the salesman. A life annuity is known as free if the sold good is unoccupied; it is known as occupied if the good is occupied, either by the salesman, or by a tenant.
Sale by auction: Declaration by which a public officer allots to highest offerer one good put to the biddings. This type of sale can result either d´une voluntary decision from the owner or d´une procedure legal.
Life annuity: Aleatory contract, -with-statement a reciprocal convention of which the effects depend d´un dubious event, as for its date: the death.
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