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Credit voyages
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 Simulator real estate credit, simulator of loans, simulators of appropriations
Goods of holidays
Who can profit from it ?
People perceiving family allowances already:
- for holidays of their children generally taken at a certain distance or apart from the important agglomerations,
- if their income does not exceed a certain ceiling fixed each year.
Each case is free to define itself this ceiling.
Where to address itself ?
In general, the allowance office family automatically pours the goods with the families which have right there.
However, one could not too much recommend to the interested people to get information near their case to obtain further information.
Which is the rising one ?
The amount of the goods depends on the holiday place, of the selected mode of holidays (vacation centre, rural lodging, family village) and of the resources of the recipients.
The goods of holidays are allotted, once per annum, for a stay (lasted minimum 13 days for a stay in vacation centre) which can be at any period of the year.
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To borrow to offer a great voyage
1- Advantages and disadvantages of the hiring:
If your grandson pours you a rent, it is about a lease of dwelling subjected to the law of July 6, 1989 even if there is no written contract.
- The Disadvantage is for you if your small-child has suddenly married, to live in cohabitation or with PACSER.
Indeed and according to this law, his wife will become cotitulaire lease i.e. that it will have right has to be maintained in the rented places.
And it will be the same for his concubine (beyond of a year of common life) or her partner for PACS
Consequently if you wish to perceive a rent, there remains preferable to establish a lease which will stipulate the amount of the rent, the methods of its revision and the date of the beginning of the hiring.
However, Take Guard not to authorize a too favorable rent to him! Indeed, if the TAX DEPARTMENT considers that it is abnormally low (price much lower than those practised on the real estate market), you will be liable to a rectification and the tax will be calculated on the normal rental value. Consequence: the tax will be higher or equal to the boxed rents.
- Advantages:
Thus, if you grant to him a preferential but reasonable rent compared to the market prices, this hiring can prove fiscally interesting
Housing is located in a building requiring of the expensive renovation work (maintenance, repair, improvement, installation of elevator)
Why ? because n the other hand from the rents (returned land) to declare you can deduce the loads related with this income. These loads are certainly repairs but also the Real estate tax and the Interests of the loan necessary to acquisition.
Moreover, if these loads prove to be higher than the rents, these losses (except interests of loans) will be ascribable on your Taxable Overall income (within the limit of 10 000€/an)
(ATTENTION, it is not taken into account in this study
special tax devices the such microphone-land mode/BESSON or PERISSOL)
In conclusion, the hiring can prove financially or fiscally dangerous have regard to the sentimental relations leading to rebates which the TAX DEPARTMENT would be likely to rectify.
The whole is to find a right balance between will to help its grandchildren (a preferential rent) and your financial and tax interests.
The Loan of a housing to its grandchildren will occult these tax problems but will not bring any financial interest.
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 • Seasonal Hirings
With which to address itself ?
With the tourist offices or the tourist offices: they put free in report/ratio with the owners but without offering of guarantee (not selection of the proposals)
At the estate agencies: it is necessary to pay them a commission, variable according to the agency (the tariffs are free)
Directly near a private individual (by the means of the classifieds, for example)
Near a “promoter of leisures” who, via catalogues, proposes hirings in France and abroad.
• Seasonal Hirings
Before choosing
Furnished with tourism are often classified out of stars (from 1 to 5). Certain regional associations of tourism worked out quality control marks. To rent in these furnished means to have a “insurance” of quality, because the owners can see their furnished displaced on complaint near the prefect.
To ask a descriptive state of the places written, detailed and precise: that will be used as proof if the hiring is not in conformity with what was promised.
To ask a photograph: it can be an element of appreciation interesting but it is obvious that the owner will choose the most flattering visual angle, that does not inform about the environment nor about the noise.
• Signature contract
The contract must specify: the price of the hiring (with the commission if it is about an agency), the precise situation with address of the rented room, the duration of the hiring, insurances, dates and hours of arrival and starting, the amount of the loads (if he is not included in the price of the hiring), the amount of the versed advance and the time granted to balance the price of the hiring.
For any contract with an agency or a professional of the real estate of leisures, it is necessary to pay down payments corresponding to 25%, at most, of the amount of the hiring. There does not exist regulation for the direct hiring near an owner. It is thus necessary to try to impose the rule of the 25%.
It is especially necessary to take care to pay down payments and not an installment if not one will be obliged to pay the remainder of the price even in the event of desistance.
• On arrival
Toulours to draw up an inventory of fixtures.
Systematically to check the inventory (presence and good state of each object)
If the loads are not included/understood in the price of the rent or contractual, to make take a reading of the meters.
To pour a deposit. It is often recovered at the conclusion of the hiring if no expenses is engaged, sometimes in the month which follows the end of the hiring.
• At the time of the departure
To make the same operations as on arrival (inventory of fixtures, checking of the inventory with the owner, statement of the meters).
To recover the deposit.
certain hirers out systematically invoice expenses of household at the time of the departure.
• Insurances
If the contract of insurance of usual housing comprises the guarantee “holiday” and “furniture except residence”, the housing rented for the holidays is covered for the fire, the damage of water and the vol.
If the insurance housing does not comprise this guarantee:
- to make add by paying an extra premium
- to subscribe a temporary contract for the duration of the stay.
• Litigations
If the hiring does not correspond to waitings:
- to test the compromise (given on the price in particular)
- to resort to the estate agency or the company doctor if one passed by an intermediary
- failing this, or if the disorders are too important, to take photographs, to refuse to pay the balance and to address to departmental management competition, consumption and repression of the frauds which is with the prefecture.
The hirer out with the obligation to deliver a hiring in conformity with what was announced (to keep the descriptive states well, booklets), that it is professional or particular
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Credit voyages
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