Real estate credit: The loan with stage or smoothed loan
• Advantages:
- A monthly payment single and weaker than a traditional plan of financing.
- A certain ease in monthly treasury because of an undervalued monthly payment
- To be able all the same to borrow whereas a traditional plan of financing would integrate too high monthly payments.
• Disadvantages:
- A very important overcost in cost of credit
• The council of the adviser:
The loan with stages is a formula of access to the property since it will start monthly payments weaker than a plan of traditional financing.
Ridges to quantify the overcost of such a comfort and put the question then if the monthly effort of a higher monthly payment is in connection with the overcost of the credit
A fast survey carried out at the end of 2001 had highlighted the fact that only a minority of finance companies proposed “to smooth” the expiries of the plans of financing comprising of the loans atrates zero equipped with one differed.
This can result in to reduce the duration of the principal loan by adjusting it on that of the period of differed, whereas this one passed from 18 years and four months in 1996 to 15 years today.
Contrary, when the making solvent of the most modest borrowers requires that the duration of the principal loan exceeds that of differed, this can lead, for the period when the expiries of the PTZ and the principal loan cumulate, with an increase in the monthly payments which can cause difficulty for the borrowers.
The stake is all the more important for the sinistrality of the PTZ which the recipients of differed are reaching them most modest.
The re-establishment of the duration of differed envisaged in 1995, during the creation of the PTZ, would make it possible to limit the cases of overlapping, but it is to be wished that the technique of smoothing be diffused quickly within the lenders establishments.
The Areas have the role of ensuring a balanced development of their territory.
They operate with the State within the framework of a multiannual contract structuring projects and equipment.
But the Areas are also interested in installation “of the territories” which compose it.
Into Country of the Loire, that resulted in the creation of the single contract of territory and a widened housing policy.
The Countries of the Loire implement a policy of environmental protection whose effectiveness rests on stakes shared with the local actors. It relates to 6 topics.
The safeguarding of natural spaces with in particular of the intervention in favour of the biodiversity:
fauna, flora, natural environments with the local actors, associations, communities, experts, and of two competences concerned with the Area:
The safeguarding of the water resource and the aquatic environments by the support for the Diagrams of Installation and Management of Water, the installation of Regional Contracts of Basins Slopes.
But also by having an special attention on the protection of the populations vis-a-vis the floods, the reduction of pollution by the plant health products and the restoration of the aquatic environments and in particular of the Loire through the Loire plan
Control of energy and the development of renewable energies through a regional plan of the energy which relates to the social housing, of the experimental projects of control of energy in the new and old buildings, of the development projects of renewable energies.
The elimination of dangerous waste, new regional competence, which results in the revision of the Regional plan of Special waste disposal (PREDICT) and its transformation into regional plan of elimination of dangerous waste (PREDD) engaged since 2007.
The quality of the air, which is the subject of surveillance measures. In addition the Area is responsible for the Regional Side for the Quality of the Air.
Education with the environment and sustainable development with the support of the regional and local initiatives.
• The departments which compose this French territory:
Management credit in Loire-Atlantique (44)
Management credit in Maine-et-Loire (49)
Management credit in Mayenne (53)
Management credit in the Sarthe (72)
Management credit in the Vendée (85)
• A watery area
The Regional natural parks were created by decree of March 1, 1967 to give tools specific of installation and development to territories, balance fragile and the rich and threatened natural heritage and cultural, being the subject of a development project based on the safeguarding and the valorization of the inheritance.
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