• Bill book: Document allowing to know the exact monthly amount of payment and the date of the expiries.
The bill book applies for the payment of call for capital and the refunding of a loan. It is obligatory in the establishment of an offer of loan.
• Solution credit
• Saving housing: This term indicates a principle: you pay money on an account (a PEL or CONCEALMENT) which carries interest. This money then enables you to secure a real loan ata rate fixed in advance.
• Inventory of fixtures: Document establishing a report of the inventory of fixtures of a room during the handing-over of the keys (entered the places), and, during the restitution of the room (left the places).
It can be established in front of usher or in a contradictory way between the parts concerned, tenant/financial backer or real estate agent
• Household for tax purposes: Indicate the number of anybody (S) being reproduced on the same sheet of income declaration of a taxpayer.
• Fresh of file: Expenses generated by the study and the installation of a real estate credit. This amount is variable and remains negotiable.
• Fresh of notary: They are obligatory expenses at the time of a real transaction, accounting for approximately 8% of the price of the good if it is about an old housing and approximately 3% of the price of the good if it is about a new housing.
These expenses are divided into three stations: taxes poured with the Treasury, emoluments of the notary and various the other expenditure, called “ outlay ”
• Frankness: The borrower pays neither the capital nor the interests for a given period
• Guarantee: It is what ensures the execution and the respect of the terms of the contract. Several guarantees are counted:
biennial guarantee, guarantee of completion, guarantee of good performance, guarantee against the unpaid ones of rents, guarantee of delivery, decennial guarantee, guarantee of perfect completion, guarantee of surface.
• Biennial Guarantee: it is the responsibility for the manufacturer (during 2 years at least, Article 1792-3 of the Civil code) of the good performance of the dissociable elements of equipment of their support (interior doors, coatings…)
• Guarantee of perfect completion: responsibility for the manufacturer during 1 year (Article 1792-6 of the Civil code), to repair the damage (or disorders) noted at the time of the reception or notified in writing during this time.
It ensures the purchaser the completion of construction or the refunding of the advanced sums.
• Decennial Guarantee: during 10 years as from the reception of work, the manufacturer is responsible for the damage which compromises the solidity of the built works or which make them unsuitable “to their destination”, or affecting an element of nondissociable equipment of the construction (element whose demounting would deteriorate the work). Are concerned the foundations, the walls, the floors and the roof, but also the drains, the partitions, the heating installations…
• Mortgage: Right reality whose a real estate is burdened with the profit with a creditor to guarantee the payment of its credit.
• Joint possession: a batch can belong in joint possession to several people who have on him identical rights. This situation can intervene following a death, the heirs becoming owners to a good with equal shares until the division. The indivisaires are represented by an agent who can be one of them, designated by mutual agreement.
• Interim interest: These are interests that you, borrower, pay between the moment when the bank resolves the funds and that where you start to refund your loan.
• Post maturity interest: in the event of unpaid, the syndic must send to the bad debtor an injunction to regulate his arrear of loads per registered letter with acknowledgement of delivery. This injunction makes it possible to make run the post maturity interest (Article 36 of the decree of 1967). The statutory rate was of 3,47% in 1999.
• Rental Investment: Says itself of a real purchase intended to be put in hiring to obtain rental incomes from them.
• Pleasure: Free provision of a real estate or perception of the rents.
• Furnished Hiring: It relates to the residences rented with the supply of a sufficient furniture to the current daily life. The incomes coming from this type of hiring are fixed with income tax for the natural persons. It should be noted that the furnished hiring is not regulated.
• Seasonal Hiring: Furnished hiring authorized for one holiday period. The seasonal leasing agreement is freely negotiated for its duration and the amount of its rent, but it must be the subject beforehand of a descriptive state of the places, their situation in the locality and the conditions of hiring. The receipts resulting from a seasonal hiring are exonerated from taxes if those do not exceed 800€ per annum.
• Hiring-accession: Regulated by the law of July 12, 1984, the hiring accession is a sale contract by which the owner yields a housing to a purchaser (tenant-reaching) at a price and an expiry fixed by the contract. For this period, tenant-reaching it pours monthly payments with the owner partly cash for rent and partly for the payment of the purchase.
• Solution credit for all
• Law Malraux: This law of August 4, 1962 aims at preserving the architectural and historical heritage French by facilitating the real restoration. The purchasers of residences under statute “law Malraux” can profit from certain advantages.
• Allotment: Operation aiming at dividing land and buildings for the establishment of several grounds to build several buildings there.
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