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Credit principal house
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 To borrow to buy a main home
Time for consideration
To buy a washing machine or to take out a subscription to the cable, to take only these examples, supposes the signing of a contract fixing reciprocal engagements of the parts.
It happens that afterwards, the aforementioned machine does not like or that the emissions of the cable disappoint. Contrary to a strongly anchored belief, it is impossible to the consumer to once reconsider his decision (and to recover the versed sums) the signed contract.
Only a judge can decide on a similar cancellation. He can do it under certain conditions: the good concerned is defective, was not delivered or the service was not rendered or badly was it.
The principle is that the commercial transactions regulated the cash and carried out on the place of marketing of the good or the service (store or commercial establishment) are firm and final as of the signature of the contract.
For certain transactions, laws punctually grant to the consumer time for consideration, also called time of renunciation, retractation or, contrary, time of acceptance.
- Sale of goods or supplies of services realized in residence or in any place not intended for marketing by a canvasser: a 7 days deadline is offered to the consumer, as from the order or of the undertaking to buy to give up it (Code of consumption, Article L. 121-25)
- Sale of goods or supplies of services realized remotely (mail-order selling, by Internet, armchair shopping): a 7 days deadline is offered to the consumer (as from the reception for the goods and the acceptance of the offer for the performances of service) to make return of this product to the salesman for exchange or refunding (Code of consumption, Article L. 121-20). The same time is offered to the consumer if the sale makes following a canvassing by telephone
- Sale of goods or supplies of services financed by a consumer credit: a 7 days deadline is offered to the consumer, as from the signature of the preliminary offer of credit, to reconsider its engagement. Retractation causes to cancel the contract of credit (Code of consumption, Article L. 311-25)
- Subscription of one nonaffected consumer credit for the purchase of a good (ready personnel or revolving credit): a 7 days deadline is offered to the consumer, as from the signature of the preliminary offer of credit, to reconsider its engagement (Code of consumption, Article L. 311-15)
- Purchase of a real estate financed by a real estate credit: a 10 days deadline is offered to the consumer, as from the reception of the offer of credit per post way, to accept or refuse the requested loan (Code of consumption, Article L. 312-10)
- Purchase of a new real estate (acquisition or construction): a 7 days deadline is offered to the purchaser, as from the reception of the sale contract per registered letter, to reconsider its engagement (Law no89-1010 of the 31/12/1989)
- Signing of a contract of pleasure of building time-sharing: a double time is offered to the consumer.
Time for consideration 7 days, as from the handing-over of the offer of contract or its reception by mail, time during which the consumer can or not accept what is proposed to him, then a time of 10 days retractation starting from the dispatch date to the professional of the signed offer (Code of consumption, Article L. 121-60 with L. 121-76)
- Signing of a contract of matrimonial broking in a marriage bureau: a 7 days deadline is offered to the consumer to reconsider his engagement (Law no89-421 of the 23/6/1989)
- Course by correspondence exempted by an private establishment of remote teaching: time for consideration 7 days is offered to the consumer, as from the reception of the draft contract and the study plan, to accept or refuse the contract suggested (Law no71-556 of the 12/7/1971)
- Subscription of a contract of insurance life, goods of capitalization: a time of 30 days retraction is offered to the subscriber, as from the first payment which it carries out, to reconsider its engagement (Code of the insurances, Article L. 132-5-1)
- Service of cosmetic surgery: 15 days a minimal time must be respected by the expert between the handing-over of the estimate and the intervention. For this period, it can be required or obtained of the person concerned an unspecified counterpart nor no engagement except for the fees related with the consultations preliminary to the intervention (Public health code, Article L. 6322-2 and L. 6324-2)
Owners or tenants, certain work allow to reduce your taxes until height of 25%. How to profit from it ?
The decree of February 9, 2005 opens right to tax incentives for the installation of equipment intended for the elderly and/or handicapped, being able to go until 1.250€.
This equipment is those assigned to medical, safety and accessibility. Thus, the sinks, the wash-hand basins with height adjustable, the door bath-tubs, the shower cubicles integrales, or the bars of maintenance or support give right tax credits.
The device of tax reduction also applies to the realization of work of protection against the technological risks (any event, sets fire to, explosion etc, related to the development of an industrial activity involving a danger to the man and/or its environment).
To profit from it, housing must be in a perimeter covered by a prevention plan of these risks.
Work must be in conformity with the plan. Lastly, the acquisition of an electric elevator with traction (and having a control with variation of frequency) installed in an apartment building allows a tax credit of 15%.
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Some ideas for a main home
In a field integrated into the environment, rehabilitation of 42 apartments of the 2 to the 4 parts with a splendid sight on bay of Saint-Tropez or the old village of Grimaud. Refitted in duplex or in a traditional way, the apartments are prolonged privative gardens in ground floor,
Ideal for a main home. Within a green and preserved framework, to 3 km in the North-West of UZES, Capitelles is a residence intended as much for the Main home, than with the Rental Investment but also with the Second home.
House to be built on a ground of 804 m ², proposed by our land partner. Chomérac, within a pastoral framework with the country of the cicadas. Program nine of standing made up of 13 villas and 5 apartments.
True very convivial small village of holidays to two steps of the beaches of the naturist district, Néréides proposes a low architecture with the contemporary lines with roofs terraces, loggias and hoods in pergolas. The accesses of the residence located inside a protective vegetable field are turfed and strewn with luxuriant Mediterranean gasolines.
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 Only the equipment intended for the elderly or handicapped determines whether you can profit from the tax credit.
The seniority of housing is taken into account only for the installation of the electric elevators. Those have had to be installed in dwellings completed for more than two years.
The equipment must be posed in the main home of the person who pays work, without elderly or handicapped necessarily not domiciling there. Attention, all this equipment must be provided and installed by a professional.
The amount of the tax credit ? This last is calculated according to the price of materials, the equipment and the cost of the labour. For the elevators, it is calculated on its price of acquisition except labour.
The tax credit differs according to the equipment: 25% for the expenditure of installation and replacement of the equipment in favour of the person, 15% for works of prevention of the technological risks as well as the installation of specific elevators.
The expenditure is reached a maximum with 5.000€ for a person alone, 10.000 euros for a married couple or pacsé whose imposition is common. They are revalorized of 400€ by dependant including the first child, of 500€ for the second child and 600€ for the third child.
VAT with 5.5%. Owners or tenants, certain work cause a drop in the VAT with 5.5% instead of the 19.6% generally applied. This housing has had to be completed for more than two years.
It can be the main home or secondary. Thus, that you are tenant, owner or occupant, certain work and equipment sees their invoice falling.
To profit from it, there remains essential that a company deals with the sale and poses equipment. The company must then provide you a certificate confirming that work does not contribute to a rehabilitation with nine of the renovated building.
Other than the new buildings. By new building, the law understands the realization of consequent work exceeding the simple improvement. Thus, the heightening of the building or carcass work (foundation, frames, load-bearing walls, restoration of the facade) is subjected to a VAT of 19.6%.
It is the same if the elements of the second work (floors, partitions, heating etc) are given to new for more of two thirds. To increase the surface of the floor of more than 10% is also regarded as a handing-over with nine of a building.
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Credit principal house
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