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l e c r é d i t
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D - I
Land deficit: Term indicating the losses supported by a financial backer within the framework of the hiring of a good, since the expenditure deductible from the land income is more important than the receipts.
Scrivener time: Law of the 13/07/1979 envisages, amongst other things, 11 days minimum time for consideration to accept and turn over the offer of loan.
Deposit: Sum paid by the purchaser during the signing of a contract. In general, it is versed on the account sequesters of the notary, of the real-estate agent.
Differed from damping: Method allowing the borrower to differ refunding from the capital borrowed for a given period. The principal advantage of differed from damping is to refund less heavy expiries, including/understanding only the interest of loan, as well as the management and guarantee, insurance charges, while profiting, if it is necessary, from the maximum of tax deductibility.
Urban right of pre-emption: Purchasing right priority allowing a local authority to become purchaser of a real estate. This optional right makes it possible its recipient to replace the purchaser. It results from a decision of each town council.
Transfer taxes: Rights and taxes perceived by the notary on behalf of the state and of the local communities. These rights are calculated on the price of the sold good and by the purchaser. |
Expiry: Date to which must be carried out the refunding of the credit (monthly payment, quarterly instalment).
Euribor: Indicator of the rates from 1 to 12 months on the interbank market.
Expenses of file: Expenses taken by the financial establishments for the study and the installation of a real loan.
Guarantee: the purchaser profits from a certain number of guarantee after having acquired the good.
- Guaranteed ousting which ensures a peaceful possession of the bought good to him and protects it from any obstacle depriving it of the pleasure of the good.
- Guaranteed hidden defects when the defects of the good are so important that l acqueror does not l´aurait not bought s´il of had been informed or qu´il l´aurait paid expensive month.
- Guarantee of the manufacturers based on the responsibility for the manufacturers or comparable people (insurer, contractors, manufacturers, architects). The duration of the guarantees is 10 years for the damage compromising the solidity of the work or making it unsuitable at its destination or 2 years for the damage affecting the solidity of the elements of equipment not making indissociablement body with certain parts of the building (tap, radiator….).
Guaranteed of surface law Square: Obligation to mention the exact surface of the good sold in the compromises of sales or purchase and any sale contract of a batch of joint ownership.
The purchaser can ask for the nullity of the sale within one month following the notarial act noting the sale if this mention is not indicated. He can ask a reduction of the price if real surface is lower of more than 5% of that indicated in the act.
Mortgage: Valuable security catch by a lender on a good for which it has advanced the funds.
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Index: indicator allowing to measure the trend of the prices of a market, or the variations of the financial values.
Joint possession: there is joint possession when several people have rights of identical nature (property, naked-property, usufruct…) without material division of the shares.
Rental investment: real operation relating to a good intended for the hiring. When this investment relates to new residences, it makes it possible the purchaser to profit from a certain number of tax advantages.
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