azzo.net
l e c r é d i t
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T - V
Amortization table: roast operation of a credit, indicating month by month refundings until the final expiry (provided with the offer of loan).
Attrition rate: threshold determined by the law with beyond which the rate is regarded as excessive. A usurious loan constitutes an offence which brings penal sanctions.
Fixed rate: Rate determined at the origin of the trust deed and all its duration.
Revisable rate: Rate which can evolve/move with the fall or the rise according to the fluctuations of the market.
TEG: Total, fascinating effective rate of account interests themselves, like all insurance charges, of guarantees, commissions and other remunerations. Must appear obligatorily in the offer of loan.
TIOP: Indicator of the reference rates indexed to the bond market.
Protective sacking: Technique which consisting in acquiring a real estate with several, the last survivor becoming sole owner
Usufruct: Right resulting from the dismemberment of the property in naked-property and usufruct. It confers on its holder the use and the pleasure of a good pertaining to the bare owner, on load to ensure the conservation and maintenance of it (minor repairs…) This right is temporary and ends with the death of the person
Monetary value of a building: It is about the price which could be obtained sale of a building, if he were sold, within standard conditions and times. Estimated in comparison with the prices of the market. |
VEFA: Sale in the future state of completion, sale on plan of a real estate in a program in progress. The purchaser becomes owner of the ground and the progressively acquired housing with his construction. The sale contract is concluded in front of notary after control from the guarantee from completion.
Life annuity: sale contract of a real estate by the which purchaser pours with the owner during all the lifespan of this last, a revenue called “arrérage”. In addition to this life annuity, the purchaser pays a basic setting in general “bouquet”, which accounts for 20 to 30% of the value of the good. Fixed freely between the parts, the revenue is calculated according to a relationship drawn up between the amount of the which had remaining capital and the life expectancy of the salesman. In the event of free life annuity the salesman is discharged from the maintenance costs and of management and the purchaser can immediately occupy housing or rent it. In the event of occupied life annuity, the salesman can occupy his housing to his death. |
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