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 To buy a larger real estate or better located when one is already owner he exists solutions of temporary financing while waiting to sell its house.
It is the loan relay ! Does the family increase and the house is not rather any more roomy ? You are transferred to the other end of France and you must live on the spot ?
To make coincide the purchase of the new good with the sale of old, that often proves a headache !
To keep the serene spirit the day of the signature of the undertaking to purchase and especially to have the money necessary to your project, there is a solution of temporary loan
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The loan relay. For a long time, the banks proposed only loans dry relays. This credit was authorized for one or two years to a not very advisable tariff.
For a few years, the majority of the banks have given up this formula at the prohibitory rate to propose a more practical solution which consists of a loan relay twinned with a loan long term.
This more advantageous formula amounts setting up one and single loan covering the totality of the amount of the new acquisition. When the old house is sold (in a lapse of time from 12 to 24 months), the recovered money is charged to new acquisition in the form of repayment before due date of part of the credit, without penalty.
Two options of refunding are generally proposed. Either the borrower does not refund that the interests of the loan relay while waiting to sell his house or it refunds at the same time the capital and the interests at the time of the resale of the good (differed total)
The first solution is heavy for the budget since it implies to refund the loan of the new house and the interests of the loan of old at the same time.
The refunding of the capital will be carried out as of the resale of the preceding good.
The second solution is more comfortable since all the expenses are pushed back at the end of the sale of the old good. But this comfort has a price which overall will be more expensive than in the case of a refunding of interest in parallel.
In both cases, the authorized loan is a traditional loan on real property on which the banks generally do not take additional expenses of file since the temporary loan is leaned with a long-term loan.
Good with knowing: The employees of the subjugated companies to the 1% housing can profit from loans relay atvery gravitational rates (1% over one year renewable once)
These loans are granted in the event of sale of a good because of a vocational resettlement or in the event of the job loss related to a social plan.
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 To find a loan relay at the best rate You make contact on line with an adviser to seek a loan relay or deposit simply and quickly, without engagement, a real loan application, then you meet an adviser in the agency nearest to on your premise to build the solution best adapted for your loan relay.
With its service on line, certain specialists in Credit are trained to seek a loan relay available the every day and to any hour. You carry out simulations on line, contact an adviser or deposit your file free and without engagement.
In addition to this type of loan and according to the age of the borrower, you can consult for: Insurance life, this placement answers many waitings as regards patrimonial projects.
The life insurance is a powerful means of saving and a privileged tool for transmission.
Its advantageous tax framework makes it impossible to circumvent.
The life insurance is an insurance of people which has the aim of guaranteeing the payment of a revenue or amount of money in the form of capital, when an event related to the assured person occurs: death, accident, disease…
To lay out and develop or transmit a capital, the life insurance in the form of contract multi supports is the most flexible formula.
This formula remains most powerful, it makes it possible to invest out of purse while measuring the risk. Progressive constitution of a capital over 8 years minimum.
Possibility of mixer of safety and the performance thanks to the accesses to the money markets without concern of management Advantageous taxation.
To earn money and to transmit it, with your death, the recipients of your choice Possibility of controlling its contract and of changing support of investment in the course of adhesion. Possibility of having its contract constantly (see according to the taxation)
Guarantees The level of the guarantees taken by the banks obeys a principle of simple balance.
The amount of the guarantee in favour of the lender (in the form of a mortgage of a Privilege of Lender of Sums of money or guarantee of a specialized organization) must be at least equal to the total amount of the granted loan, ready redeemable readier relay.
In our example, the total amount of the granted contests is of 161.000€, consequently the guarantees will be taken with height of this amount.
The guarantee will be taken on the good object of the loan to height of 150.000€ together with a guarantee complementary to height of 11.000€ even 15.000€ to round on the good on sale.
According to the operation carried out and your profile of borrower, these guarantees can be various natures and their costs will depend on it.
The detailed mechanism of the guarantees is explained under the Caution heading or mortgage. The loan relay has sometimes bad reputation, primarily because of its cost which can substantially burden the budget with a real operation.
Today, taking into account the relatively low level of the interest rates, this objection is justified.
It is important to note that except for the loans dry relays (a simple loan relay without loan long term), the lender is ready to make a significant effort on the conditions of the loan relay itself in order to have the advisability of granting a traditional real loan to you.
It will also have the occasion to show of flexibility and imagination in the assembly proposed in order to adapt as well as possible to your estimated budget.
Finally it will be particularly useful for this type of financing studied and to negotiate as well as possible the ancillary costs of the operation (expenses of file, expenses of guarantees) which can weigh down the cost of the operation.
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