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Real-estate-credit-languedoc
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 • Rate global manpower
the TEG is an excellent tool of the comparison and a good indication of the total costs of the loan, however is necessary to use it “ automatically ” because a certain number of details must draw our attention.
- methods of guarantee: to choose between a company of guarantee (Credit Housing for example) and a valuable security (mortgage or inscription in privilege of lender of sums of money).
The choice of a company of guarantee makes it possible to recover 75% of the participation in the Funds mutual of guarantee and you avoid the expenses of replevin in the event of advance payment
- flexibility in refunding: Always have with the spirit that by increasing the amount of the monthly payments, you can reduce in an important way the amount of the paid interests. By having the possibility of reducing or of deferring the monthly payments, you benefit from a safety increased for your budget
- penalties of advance payment: they are limited by the law to 3% of the capital remaining had or 6 months of interests but always remains with your load
- insurances: it should be known that at equal cost, a constant insurance is more advantageous than a decreasing insurance, the premiums are less low over the first years. In the event of advance payment, the total of the paid premiums will be less important and the capital already refunded will be higher
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• Some practical rules to evaluate the TEG:
the TEG makes it possible to quickly measure the competitiveness of a financing and to compare between them the received proposals.
A variation of TEG higher than 0,50% is often the sign of an uninteresting proposal.
It can correspond, for example, with 3.000€ of additional interests and 800€ of expenses of file (for a loan of 100.000€ over 15 years). Attention, it should be checked that all the elements quite comparable and are integrated in calculation
the TEG is used as a basis of discussion with the banks for measuring all the finance charges well.
The TEG covers 4 essential points: the nominal rate (fixed or revisable), expenses of file, insurance (constant or decreasing) and expenses of guarantee. A detailed analysis of each one of them makes it possible to confirm the methods of the financing. The revisable rates (all duration or by section of duration) require forecasts of rate because are not taken into account in the TEG
the TEG must be supplemented by the comparison of the overall costs of the loan, at the same time with the expiry and in the event of advance payment.
For evaluating the solution of financing well, you must take into account not only the TEG but also the total costs of the various financial elements. Your analysis will relate then to an entire amount in of euros easier to measure than a rate. Attention, if you do not think of keeping the loan until the expiry, it is thus necessary to also compare the total costs over one shorter duration
the TEG does not take into account the qualitative aspects of the loan which must be carefully compared and analyzed (evolutionarity of refundings, possibility of differed, penalties of advance payment, constant or decreasing insurance…)
Withequal or close rate, you must adopt the most flexible solution of the financing in term of refunding, it brings a better safety to you and also allows you to accelerate refundings. The possible penalties of advance payment also constitute an additional cost to take into account.
the TEG must fall under a total step of choice of the best bank for you: proximity, pallet of the proposed services, reactivity and quality of the commercial approach.
An interlocutor who satisfies you by his availability and his direction of the service brings you the guarantee that the releasing and the follow-up of the loan will proceed under the best conditions.
Also compare the ancillary services and the range of what each bank can bring to you (services Internet, management of wallet, loans personal)
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 Languedoc - Roussillon
From the Camargue at the vermilion coast, the littoral is stretched on two hundred kilometers of fine sand coast.
Virgin and protected spaces surround a scientist mixes fishing ports bathed of history, accessible and cordial seaside resorts.
• Traditions
The Camargue is the country of the salt makers, the sagneurs and the manadiers. Sète and Palavas célébrent the water tournaments regularly. Fishing rate/rhythm local life in the ports, of the Grau-of-King to the vermilion coast.
This littoral exhibe with pride a single landscape lagunaire, kingdom of the pink flamingos, brushes or will hérons where fauna and flora abound in perfect harmony.
To the campers, mountaineers, skiers, hikers, more simply to in love of a wild and preserved nature, is offered one of the solid masses richest in original landscapes. Rivers, brooks and torrents descend high summits. Canigou offers a single view-point on the mountain and the Mediterranean.
The Pyrenees are appreciated all the year, without moderation, thanks to a single sunning.
The winter, twelve stations reveal immense skiables fields open to all the disciplines, descent, bottom, surfing or monoski. More resting, the rambles or with huskies traverse the splendid main forests.
The summer, nature reveals its scents and its colors. The paths see following one another the rate/rhythm of walk all the climates, all the vegetations: almost African flora, of the fig trees, cactus and cane-apple bushes or high forests of fir trees.
Generous nature: bears, wolves, moufflons, isards and ibexes bran themselves there in all quietude. Water, abundant, is also source of pleasures: canoe kayak, rafting, canyoning or baths with open sky, thanks to the sources of sulfurous water bordering the 35°C.
These marvellous natural parks which compose the Catalan Pyrenees are marked out small villages. Hung to the escarpments of throats from where torrents descend, taken care by their Romance churches of moving architectures, they are as many holidays in any season.
The “organ” is the result of a geological history of more than 5 million years.
This natural phenomenon consists of a succession of chimneys of fairies, tender columns of rocks eroded by the rains and overhung by hard stone conglomerates more resistant to erosion
• Some famous caves
• Cave of the young ladies
Located not far from the Circus of Navacelles, this cave is in fact an old swallow-hole whose opening is done on the plate of Thaurac.
Source of legends sometimes terrifying, this cave was discovered in 1770. But, it is E. Martel, the man of the Swallow-hole Armand which it first carried out an exploration of this cave in 1889.
It offers a completely original characteristic since it comprises a station of funicular and it is by these singular means of transport that one reaches it without any tiredness.
The principal room is majestic by its dimensions: the vault rises with 50 meters in height, it extends on 120 meters broad. It is necessary to take its time to appreciate the immense columns which gives him an air of cathedral just like the temperature and the impression of majesty which reigns there.
It is in this cave that one will be able to admire celebrates it stalagmite of the Virgin to the Child perched on his white calcite support.
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