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Picardy real estate credit
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 Banking mortgage for purchase of a house
Bercy will make public a reform project of the mortgage to France.
One of its large shutters: the use by the elderly of the mortgage to be given consumer credits which would be normally refused to them. This loan for life mortage is already in force in the United States, Canada and the United Kingdom.
The State would thus offer to the households a degree of additional freedom desirable in the management of their inheritance, free with them to make use of it or not.
The advantage of this instrument is indeed real. The elderly resort with difficulty to the loan. However their number grows, their expenditure of dependence increases with the lengthening of the lifespan, and the situation of the pensioners will be degraded in the 5 to 10 next years, points out the report/ratio.
• High Cost
From there, results a need increased for treasury to improve [their] resources or to help financially [their] downward. The potential capacity of loan of the French elderly is consequent: in 2002, the value of the main homes of the 5,5 million reprocessed households owners represented 700 billion euros.
The report/ratio thus recommends the creation of a favourable legal framework. The legal, administrative and tax difficulties identified by the lenders are surmountable by legislative modifications.
On the other hand, it will be necessary to slice a central point on which the 4 authors divide: the financial implication of the State in the mutualisation of the risks and the cost of these appropriations. The cost of the loans for life mortage remains high.
• The loan for life mortage
It is about a loan delivered by a bank with a real owner in exchange of a mortgage of its main home.
Payment: in once, by monthly payments during one limited duration or until the borrower dies.
Amount: it grows with the age of the borrower (on average 75 years) and can reach 70% of the value of the good.
Refunding: during the release of housing, either by the borrower during his removal, or by its heirs at the time to his death (from where denomination of loan for life)
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TEAM of professionals experienced in the sector under development full of the repurchase of credit.
(balance of the tax liabilities or family, the credits and others discovered…) for the French owners and tenants, in order to leave the over-indebtedness.
Ask personal free study with proposals for new monthly payments (of 24 hours). After having determined the duration, sending of the file (numerical by email, to print in residence or by postal mail)
The trade ? To solve the momentary budgetary problems or not of certain hearths (owners or tenants of their residences) by the operation of a regrouping of loans.
Advisers customers with listening commit themselves defending the requests for repurchase credit near financial institutions
An excessive number of loans (real estate, consumption), incapacities renewed to cover with the debts in time, episodical and disordered refundings, a multiplication of incidents of banking payments, a debt growing are as many signs which do not mislead: a better financial management by repurchasing the multiple appropriations would very often allow, to prevent the painful situations of over-indebtedness.
A credit complementary added to the total debt correctly distributed could also allow involved in debt, in certain cases, to carry out a new life plan (work, decoration, car…) without to weigh down the monthly payments to be refunded. Simulation of repurchase of the appropriations with the form available on line on the site.
Information and councils on the loans consumption available in France currently.
For each type of loan, a relative publicity makes it possible to carry out directly by Internet an application for credit in adequate line (ready personnel, revolving, affected credit with the sale).
Proposals for loans conso for the acquisition of consumer goods (e.g. micro computer), the financing of leisures (voyage…), appropriations for the purchase of a new car, ready work to improve the framework of life…
Financing under the best conditions for the purchase of an apartment in the old one or the construction of a new house.
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 • Some castles in Picardy country
The stones of the castle of Folleville dominate the valley of Noye. Skins of the history, these ruins give up with the melancholy and recall to the nobility last centuries. With some steps, the church where the spiritual and social work of Vincent Saint of Paul starts.
For five centuries, the tower of guet of the Castle has covered the valley. A such mineral key whose complex size opens the mechanism of the sky, cylindrical at the base, hexagonal then dodecagonal. At the top, the horizon widens to Amiens…
The castle had been assembled at the end of the 14th century. It was due good to the One hundred year old war. A residence which, later, was richly furnished and lived great hours with the family of Lannoy. The play of alliances will give it to the 17th century to another line of France, that of Gondi.
Philippe Emmanuel de Gondi, General of Galères, adopt for tutor of his children a certain Vincent of Paul. Beyond the obligations for the seigneuriale family, Vincent of Paul goes to the meeting of people of countryside. The dechristianization and poverty reign there.
January 25, 1617, Vincent of Paul crosses the nave of the church of Folleville. He can have the support of Mrs. de Gondi. In the pulpit, it measures its breath. Its sermon will invite the faithful ones to the general confession. First sermon of its mission. Symbolic system day.
Then its long silhouette is erased gently.
With the passing of years, the stones of the castle impregnate little by little tormented shade of the trees and light-obscure collected Gothic church near.
One century passes. Another rises. The lord of the moment, Count de Mailly, decides that it is time to place itself with the taste of time. We are in 1777. It makes dissect the castle to recover the stone of them, for the benefit of a more becoming residence with Mailly-Raineval.
Twenty years later, the French revolution, sweeping Mailly-Raineval, will épandra further still the stones exiled from the castle of Folleville.
True medieval fortress, the castle of Pierrefonds offers a moyenâgeuse stylistic disproportion such as the architect Viollet-the-Duke conceived it. This one was indeed in charge of its restoration at the XIXe century by the emperor Napoleon III. A few kilometres from Compiegne, imposing it monument sets up at the end of a at the very least animated history.
It is into 1390 that Louis of Orleans, brother of the king Charles VI, ordered the construction of a strong castle on the site of Pierrefonds. Place of several seats, in the oppositions against French sovereignty, it was, two centuries destroyed later, partly on the orders of Louis XIII. The castle remained thereafter in ruins…
Repurchased by the State under Napoleon i, the site was the theatre of the marriage of the girl of Louis-Philippe in 1832. The romantic movement gave again an interest with these old walls several centuries.
Classified historic building in 1848, the ruins of the castle were visited by prince-president Louis-Napoleon Bonaparte in 1850.
Avid of extraordinary work, Napoleon III entrusted to Viollet-the-Duke the responsibility to restore the castle of Pierrefonds. Viollet-the-duke had previously intervened in the restoration of the cathedral of Amiens.
The preliminary draft envisaged the rehabilitation of the keep in the middle of the “picturesque ruins”.
In 1861, the emperor finally decided to widen the building site with a true rebuilding of the monument to make an imperial residence of it.
Mobilizing hundreds of workmen, work was organized until 1870. In spite of the fall of Napoleon III, Viollet-the-Duke obtained the authorization to complete the rebuilding, but the architect died in 1879. The building site was stopped definitively in 1885, whereas the interior decoration was unfinished.
The imposing castle, whose restoration was largely criticized, is however unique in France. A rehabilitation concretized by the dreams of an emperor mingled with those with an great architect.
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Picardy real estate credit
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