L - S
Smoothing of the loan: Readjustment of the monthly payments between the old ones and the new appropriations to ensure the borrower of the constant monthly payments over the duration of the longest loan.
Constituent: individual or moral who gives to another person (agent) the capacity to achieve on his behalf and for his account one or more documents legal, like sale, purchase, hiring…
Project superintendent: this term designates the professional or company (architect, engineering and design department, engineer, manufacturer…) who can be charged by the building owner of the design of a real project, direction, monitoring of the building work, choice of the companies and checking of the conformity of the building upon the contractual engagements.
Naked-property: right what preserves the owner of a good being the subject of a dismemberment of the property following a right usufruct. It is about a right of provision of limited the enough building insofar as he can sell only the naked-property as long as usufruct lasts. The loads of major repairss fall on to him.
OAT: Assimilable obligation of the treasure, are equivalent of the Treasury bills.
Offer preliminary credit : together of contractual documents published by an organization of loan which juridically defines all the agreements between the lender and the borrower, the borrower has a 10 days deadline (postmark being taken) to accept or refuse whole or part the terms of the loan. Its signature is worth engagement and agreement. |
SLA: Social loan accession.
PC: Officially agreed loan.
PEL: Loan saves housing.
RA penalty: in the case of repayment before due date, of the penalties are envisaged in the contract for the borrower, but cannot exceed 3% of the capital remaining due.
GDP: Interbank taking away
P.P.D.: Privilege of lender of sums of money, guarantee related to an existing acquisition less expensive than the mortgage.
Loan advances on sale: Loan with any monthly refunding until the sale of the good and repurchase of the appropriations in progress.
Loan in fine: formulate of loan which makes it possible to refund the capital in only once at the limit of the contract: throughout all loan, only the accessories (premium of insurances) are due. Refunding in fine of the capital is carried out thanks to the sale of the financed good or a product of saving of the same duration that the loan. In the term, this product of saving will enable him to refund the capital.
Flexible loan: give the possibility to the borrower of modifying the monthly payments and the duration according to the evolution of its future situation.
Loan relay: Loan whose refundings can be differed, intended to constitute a personal capital contribution in waiting of a good put in resale.
Commitment to sell: before contract signed by the salesman and the purchaser of a real estate. It can be established, either under private signature, or in front of notary.
- The unilateral promise of sale obliges the salesman to hold for the purchaser the sale real estate for one limited length of time. The purchaser is not engaged, it can either acquire or to give up.
- The bilateral promise of so compromised sale called sale engages the purchaser as well as the salesman. This engagement is thus firm except for the condition precedents or resolutory.
PTZ: Loan underrate zero of the ministry for housing, well defined conditions of obtaining.
Repayment before due date: Refunding by the borrower of his loan before the expiry of the initial date of this one. It can be partial or total.
SCI: term indicating any company with civil form having a real object. Their activity being generally management, acquisition, the construction of new buildings.
Scoring: (“scorer”) tools d´analyse in order to determine whether l empruntor and the Co-borrower has or not the capacity of feasibility d´une financial transaction for d´un ready, credit, pledge, etc. Roast questions dimensioned, whose total of the answers must give points according to the risk sufficient, to determine an agreement or a refusal.
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