Simulator real estate credit, simulator of loans, simulators of appropriations
Garages wood
The frameworks are in solid oak, with traditional assemblies by tenons, mortises and ankles wood. The frames are in treated fir tree.
During manufacture, each piece of wood is numbered and indexed on a plan, which enables you if you wish it, to carry out the assembly yourself
Garages metal
The attention must be related to the thicknesses of sheet (the shelters with sheets from 3,5 to 5/100 ième are a good thickness), its completion (as well as possible galvanized hot, gloss paint and guarantee), the sections cast solid length, the rigidity of the panels of door (in only one holding as well as possible) and the seals
Garages concrete or out of brick
It should be known that the installation of the brick, which is carried out with the laser, is a very specific trade, we thus trained all our masons layers of bricks.
90% of the houses built in certain areas are it out of brick thickness 20, with vertical grooves connected between them by a joint of resin 1mm to allow a circulation of air (the best of insulator), bottom until in top of the wall.
One thus obtains the same insulation that generated by 3 agglos (that is to say 60cm thickness of wall) and one adds a light complement inside isolating (polystyrene and plaster), for a price appreciably equal to a construction all in agglos
To borrow to offer a garage
Leave the usual circuit of the banks, plus you will be accustomed to your bank of always, less the rates will be interesting: for the banks, the conccurrence became hardware…. many brokers and speakers are present on this growth market.
• A broker in loan, why ? How does that function ?
The broker (Internet site most of the time) will negotiate for you your rate near several banks. And it will obtain a rate better than that which your usual banker had proposed to you, because:
the various banks do not attach the same weight to the criteria (age, income, profession, place of dwelling…) of your file. To pass through a broker will enable you to unearth the bank whose conditions are optimal for your particular case.
The brokers treat files in mass. They thus bring customers to the banks of number, which make them in return of the rates at price “wholesaler”
List parts required for the repurchase of debt or a request loan
In order to facilitate the steps and to shorten the deadlines, you can right now take note of the supporting documents necessary to the constitution of your file of repurchase of debt.
• Personal identity
Copy identity papers (recto and back)
Family record book (children included/understood)
Marriage contract (if exists)
Document in proof of residence: invoice France Telecom or of portable + EDF
In the event of divorce, judgement of final divorce with liquidation of community
• Your Incomes
the last 3 pay slips
Pay slip of last December
Work contract or certificate of the employer confirming the TDCI and the seniority (so less than 2 years of seniority or so not indicated on the pay slip)
the last 2 opinions of imposition
Document in proof of the obligatory CIF if you perceive services
For the nonpaid ones
(liberal professions, managers, craftsmen, tradesmen)
the last 3 opinions of imposition
3 tax last 2035 or bundles
For the pensioners: Last bulletin of pension
For the preretraities: the last 3 bulletins of allowance ASSEDIC
If you perceive land incomes: The income declaration land 2044
Leasing agreement of each rented good
3 last corresponding receipts
Real estate tax of each rented good
If you are in parental leave: Certificate of the employer confirming the date of recovery as well as a certificate on the honor of your share confirming the recovery at the date envisaged
Your bank accounts
the last 3 statements for the whole of your bank accounts, including the CODEVI, accounts savings, or professionals
If you have rejections on your loans or taxes thank you to provide us the last 6 statements. Bank account number, Your loans
Offers initial with the general terms and particular of the real loans, atrate 0%, and ready redeemable personnel
amortization tables of the real, personal loans last statements for the accounts revolving and charts
- Your real inheritance
- Complete Document of title
- Real estate tax
- Recent Photographs of the good given in guarantee
- Multirisk Certificate of insurance dwelling
if you have a certificate of value of your good thank you to join it to the file.
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