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To borrow to offer a veranda
The verandas have the reputation to be choking the summer and too cold the winter, but these nuisances became increasingly rare thanks to progress of materials
Ventilation
One of the recurring defects of a veranda is condensation. To avoid it, a veranda must be very quite ventilated, if possible on all its faces, with doors, windows even a fanlight in roof. If necessary, an extractor of air will make the deal.
In a veranda with use of bathroom, a dehumidifier of air is recommended. In a kitchen, a hood with evacuation outside is essential.
Heating
If your veranda is intended to become a part of life, a heating system is essential. However, a veranda undergoes great temperature variations without profiting from the usual insulation of a room. A thermostat, independent of the remainder of the dwelling, making it possible to control heat is thus recommended. The manufacturers often recommend the underfloor heating which with the advantage of preserving gel majority of the verandas.
If that falls under the direction, there it is necessary still to envisage before the request for estimate which solution of heating is wished if you do not want to have pipes of plumbing running along the walls of your veranda.
You are given near your bank a credit line or revolving credit (matched or not credit card). You lay out thus in a split way with the dates of your choice of the amount of the authorized credit. You received a preliminary offer for the initial contract.
The term of this contract being of 1 renewable year, the bank indicates three months to you before the expiry the conditions of renewal of the contract.
If you refuse these new conditions, use the form-answer been enclosing in the information communicated by the bank while returning it in recommended with marked reception at least 20 days before the date where the modifications become effective. If you lost it, you can use this model of letter.
This model cannot be used pursuant to the article L 311-9 Code consumption that in the event of refusal of the modifications suggested by the bank at the time of the renewal of the contract of credit and must be addressed at the latest 20 days before the date planned for the renewal
If you have a problem for the refunding of your credit do not hesitate to speak about it with your banker to find a solution together….try to ask terms of payment.
You wish to offer a veranda ? First stage: to secure a loan of the bank to finance your real estate project.
Intended exclusively for the financing of your habitat project, a credit is granted for an higher amount to 21.500€. If he is refused to you, you are in right to call into question the project, and to obtain the refunding of the already versed sums to the salesman.
Various loans
- The bank loan is distributed by a bank or an specialized establishment which freely fixes the interest rate and the amount of the expenses. Will know that in this moment the rates suggested are on a particularly favorable level
- The loan atrate zero. Instituted to facilitate the possibility of home-ownership, it is intended for the households which have modest incomes. Very advantageous, it is often taken into account like “personal capital contribution” by the banks.
- The “1% employer”. All the companies of more than 10 paid must devote each year 0,45% (at the origin 1%) of the wages paid to the financing of the residences of their employees. This loan is allotted without condition of resources.
- The Loan Saves Housing (PEL). Granted after a phase of saving (4 years minimum), it offers advantageous interest rates and exempts expenses of file. The amount of your real estate credit will depend on the sum which you succeeded in saving.
- The loan smoothed or with stages. If you cumulate several appropriations of durations different for the financing from your real estate project, it enables you to refund in a constant monthly payment all the confused appropriations. Advantageous because allowing weak monthly payments, it involves nevertheless a very important overcost in the long run.
Elements to be taken into account:
- Your monthly payments: Shorten to the maximum the duration of your loan: the longer it is, the more interest rate is high. Do not forget that the monthly payments must correspond to your capacity of refunding. The ideal is that the rising one of your loan does not exceed 30% of your incomes.
- Your personal capital contribution: Summon that you can invest without borrowing near a bank, it acts, in a strict sense, of your economies. By extension, it can include certain types of loans, like the PEL or the Loan 0%. Do not hesitate to request them, they will reinforce your file. The personal capital contribution must finance at least 10% of the project.
- Interest rate: fixed or variable ? An element not to be neglected because a very light fall of rate can make save much money. The fixed rate remains constant over all the duration of the loan.
The fluctuating rate, generally low, is not fixed definitively by the contract and varies, with the rise as with the fall, according to the evolution of an index of reference. If you borrow over one long life, prefer the safety of a fixed rate.
- Guarantee: guarantee or mortgage ? If you are in the incapacity to refund your real estate credit, the mortgage makes it possible the bank to make sell your good to pay itself.
The guarantee is exerted by a private individual or a specialized company who is committed regulating in your place in the event of non-payment. If you can profit from a guarantee of your company, profit, its cost is very weak. In general, the guarantee proves more flexible and more advantageous than the mortgage.
- Ancillary costs: The expenses of file amount in general to 1% of the borrowed amount. In addition, if you refund the totality of the loan before the fixed expiry, you will have to pay allowances of advance payment most of the time.
Compare the offers by helping you of the rate global manpower (TEG). Including the expenses of file, insurance and guarantee, it measures the real costs of the loan. Do not hesitate to consult the brokers of loan on line. Leader on the market.
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