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Credit apartment
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 Simulator real estate credit, simulator of loans, simulators of appropriations
The teaching of the project in the course of the evening allows the student, in time limited put to provision, to approach and try out the fundamental questions of architecture: work of space, elementary concepts of structures, role of the light, seeks and coherence of the architectural party, relation of the form and the function.
The projects approached arise from the repertory of the architecture of interior, the questions of furniture and of constructive details are approached within the framework of the projects of workshop.
To choose an Architect to arrange an apartment
The architecture of interior is a discipline of architecture with whole share.
The student acquires the basic concepts during the period of common formation. Then, the orientation of the section is turned towards the traditional sphere of activity of the interior designer: Installation of dwellings, commercial, administrative and public surfaces, museographic spaces and of exposures
With each project, the student will have to develop the fundamental questions of architecture: treatment of spaces and their hierarchy, circulations, natural and artificial light, relation form-function, coherence of the party and its expression.
A very particular stress will be laid on the study of the details (construction of pieces of furniture, staircases, coatings and structuring of surfaces, knowledge and implemented material, sensitizing to the color) and on their relationship to the overall concept.
Common exercises with the others other sections, of the visits of building sites and achievements, of the conferences of invited personalities will give to the student a vision as broad as possible of its future profession.
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to renegotiate its loan
Preamble:
You engaged there is a few years a loan atfixed rate in the neighbourhoods from 7 to 8% and, at the time of a conversation between friends, you learn that they have just made a loan for their house with 5,50%. You known as whereas there is can be yourselves possibility of lowering your rate to gain a little money!
For this reason you have two possibilities then, either cause a drop in your monthly payment, or the duration of your credit thanks to the profit on the rate.
There still two possibilities:
1 - To address itself to its bank at which the loan is subscribed
2 - You to address to competition
Your bank
In preamble, and to fix the framework of maintenance which you will have, will know that the bank does not like at all this kind of request for several reasons:
- To keep you like customer, they will have to earn less money
- That does not return in their sales goals
- And finally, it is often a difficult phase of negotiation where they are in situation of inferiority
However, it is not for that you will obtain a refitting with the fall of your lending rate by making blackmail. Indeed, do not forget the relation gain-gaining that you must have.
At do the current date and the significant decrease of the rates, I solicit you so that you plan a refitting of my loan in order to decrease the rate, which are the methods?
Will know there that to remain oû you are will be the best solution from a practical point of view.
To address itself to competition
Will know that here the framework of maintenance will be complétement different, indeed, they will accomodate you with open arm like new customer. The technique employed will be to make a new loan which will refund that existing.
The essential differences with an in-house refitting are:
The integration of expenses not existing in your bank
The installation of a new account with expenses of behaviour of account, bank card….
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 Reduced taxes does not mean profit inevitably:
The rate is not all! Indeed, it will be necessary for you to take into account the additional expenses caused by the modification of your loan.
First of all, according to the type of loan that you subscribed (traditional, constant expiry, progressive expiry, ready relay, In Fine) the capital does not diminish same manner. The overall costs of it will be thus different according to the type of damping. The first stage is thus to determine the following elements thanks to your amortization table:
- The capital remaining due before the payment of next monthly payment (CRD)
- The amount of the monthly payment except insurances
- The amount of the interests of the monthly payment
- The amount of the capital of the monthly payment
The expenses related to a repurchase of credit are:
1 - Allowances of advance payment
Those Ci are calculated in addition to the remaining capital due (CRD) of your loan to a given date. Law SCRIVENER limit with a legal maximum of 3% (there remain to you 30.000€ CRD is a maximum penalty of 900€). You will have to check the amount which will be applied to you according to the terms of your trust deed. It may be also that it is indicated the clause: 6 months of interests with a maximum of 3%.
This clause of penalties is obviously negotiable and it is of use which the banks treat in fact their own refitting like simple endorsements with the loan without making some another or even in substituent purely and simply the old credit. On this assumption, ask your bank their attitude with respect to these expenses…
2 - Expenses of file:
Then there not of gift… Indeed, the bank if it accepts a reduction of rate will not be really inclined to make you the least gift on possible expenses of file for the new loan. Two types of calculation can be present either a fixed price related to an endorsement (in theory 120€) or a percentage of the amount of the CRD
Expenses if you change establishment:
The expenses related to a repurchase of credit are:
1 - Allowances of advance payment
Those Ci are calculated in addition to the remaining capital due (CRD) of your loan to a given date. Law SCRIVENER limit with a legal maximum of 3% (there remain to you 30.000€ CRD is a maximum penalty of 900€). You will have to check the amount which will be applied to you according to the terms of your trust deed. It may be also that it is indicated the clause: 6 months of interests with a maximum of 3%.
This clause of penalties is obviously negotiable but if you decide to leave the establishment you surely do not await any gift
2 - Expenses of file:
The bank which accomodates you can adopt two attitudes. The first consists with you éxonérer of expenses of file insofar as they have already quite glad “to recover you” like customer. The second attitude consists in rendering comprehensible to you that they already did everything to save to you money then why make some more. Two types of calculation can be present either a fixed price (in theory near to 150€) or a percentage of the amount of the CRD (in theory 1% maximum 500€)
3 - Expenses of guarantee:
They are the expenses related to a new guarantee. They vary from 0 to 5% of the borrowed amount. In fact, the new bank will lend money to you it is well but they need a guarantee for this famous loan. Then, they will seek with you which is that which is appropriate to them best.
Several possibilities exist to provide them a guarantee.
The resumption of mortgage:
most expensive obviously since it will be necessary to turn over in the notary to sign an act of mortgage security and these are expenses that one will not have to forget to include in the new amount of credit to make if not it will be necessary that you leave them your pocket.
On this assumption, ask for a mortgage of second rank to avoid having in to pay expenses of replevin more on the first mortgage
However you also can and it following the amount of other formulas to guarantee your credit and especially free or almost…
It is then a question of setting up a guarantee of a natural person or even of securing a placement which you have and who will be useful like guarantee of the loan.
Lastly, if there remains a small amount (- of 30.000€) you can always require that be done without guarantee and there of course it is free
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Pour tous renseignements:
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Credit apartment
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