Real estate
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How to choose its real estate loan ?
To optimize the financing of a real project and to reduce the total cost of it, various types of real loans can be set up. The real loans can cover up to 100% of the amount of acquisition and their rates are variable according to establishments. The borrower makes here play competition between the banks to profit from the best possible rate; the higher the amount of the contribution is, the more the negotiation is easy.
Then, there are several types of regulated loans, which meet precise standards of incomes, price to m2, surface, type of operation (acquisition, construction, enlarging…), and to which the borrowers must resort in priority because of their interesting conditions. |
The principal regulated loans are as follows:
- The loan Saves Housing:
This loan is granted after one minimal saving period on a specific account. The borrower profits from real loans atadvantageous rates: the phase d´épargne indeed makes it possible to generate interests and rights to loan, cumulable and transmissible under conditions between members one even family.
The rate, the amount and the duration of the loan are a function of the rights to acquired loan, which depend themselves on the amounts and dates of the payments carried out within the framework of these contracts. Since 1988, one observes a Net fall in demand of PEL (- 56%).
- The loan at rate zero:
This loan is available only establishments having passed a convention with the State, for the people who were not owners of their main home in the two years preceding the purchase. It is reached a maximum according to the area (Ile de France or Province) and of the number of occupants of housing. It is also conditioned by the resources of the household.
- The officially agreed loan:
This loan allows, without condition of incomes, to finance reach 100% except expenses of acquisition (new or old) or of the construction of a main home or of that one way, provided that this one meets certain standards of surface to m2 determined according to the acquisition place.
- The loan of possibility of home-ownership (NOT):
The STEP is an officially agreed loan which meets the same standards d´attribution as regards livable surfaces with m2, with two additional restrictions:
- It cannot finance a good intended for the hiring: only the main home of empruntor is concerned.
- The attribution methods of this loan depend on the incomes of empruntor, which are reached a maximum according to the zone d´acquisition and family structure.
- The loan 1% employers:
The employees working in a company employing at least 10 people can ask, within the limit of the cash in hand and subject to agreement ofl employor, octroyone ready 1% employers. It must be related to the main home of the employee.
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Easy way Azzo-credit:
Don't forget, all are negotiated, the expenses of file, the rates, the methods of repayment before due date… All is business of persuasion. |
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