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 We gain 3 months per year of life expectancy, the banks and financial organizations organized themselves to adapt their offer to this clientéle often easy.
Certain banks propose formulas adapted to the third and fourth… These appropriations are refunded with a monthly payment with two stages.
As long as you work, it can be more important. But when you take your retirement, it will drop by 30% to 90% (according to the banks and your wish) to remain compatible with your new incomes, undoubtedly less low.
This fall is envisaged from the beginning. But you remain free, in some limit, to advance it or delay it, if your departure in retirement is shifted. The professionals of marketing touched just: these packaged products upon the departure allure the seniors. In practice, they impose however certain constraints.
Let us recall first of all that the loan for life mortage results from the Ordinance of March 23, 2006 and that it makes it possible to the old people n the other hand to obtain an amount of money of a guarantee taken on their real inheritance while preserving the freehold of their good.
A new territory of credit which could offer to thousands of seniors, a financial solution in the event of recurring monetary difficulties.
In a context of ageing of the population, this new type of loan in France - which already exists in the Anglo-Saxon countries could come to assistance of the 5.6 million households of more than 60 years which are owners of their housing, in the event of financial difficulties.
Indeed, while having a house or an apartment, these elder encounters sometimes problems of liquidities all while not laying out more right of loan.
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To become owner, if one is not it yet, to buy larger if one is with narrow, to offer the country house from which one dreamed a long time… At 50 years and more, the future pensioners do not miss projects.
The problem? They think that it will be necessary to have refunded the credit before the hour of the retirement, before seeing their incomes decreasing.
But to quickly refund, if one cannot support exorbitant monthly payments, that wants to say to borrow less. And thus not always enough to buy the ideal good.
From where these appropriations of a new kind, especially concoctés for the quinquas, whose refunding is organized in two stages.
Intelligent loans for which you regulate a normal monthly payment, calculated according to your resources as long as you work, but who envisage a lightening of your refundings the day when you will take your retirement. As with each stage of the life and in front of the décison to borrow again, take your time and to compare the proposals…
For which investment and atwhich rate? At some, for example, the starting rate is valid only two years. Then, it becomes revisable: the bank will increase it or will lower it according to the evolution of the interest rates on the financial markets.
Damage, bus today, the fixed rates are on unbeatable levels, around 4% over ten years if you have a good file. Few large banks propose similar formulas turn-key.
But some agree to set up assemblies of this kind if you ask it to them. A track not to be neglected because it is they which offer the best rates of the market.
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 Others will decide to invest on the real market, for example: Housing for students There is a notorious imbalance between supply and demand, particularly on the market of the small furnished surfaces sought by the students.
It is enough to contact the Universities and to consult the small advertisements to include/understand at which point the current situation is comfortable for the owners financial backers.
If the offer is adapted perfectly at the request of the students, you are nevertheless completely free to choose your tenants according to your own criteria of selection.
It is very frequent besides that the residences for students are mainly occupied by junior managers which seek a lodging near their place of work, and whose immediate concern is not to invest in their main home.
Solvent tenants The hiring with students very often offers appreciable guarantees:
1. the usually required parental guarantee and which protects the owner financial backer
2. financial assistances with housing (ALS) which improve the solvency of the studied tenant appreciably (assistance of 170€ per month, 215€ for the stock exchange students) are cumulable when 2 tenants share same housing.
A high profitability and accessible prices With a profitability ranging between 7 and 8%, this type of purchase offers a return on completely exceptional investment, especially for a good located in Paris area or at the accesses of the large cities Borrow from less than 4% to rent to 8%? Make your accounts…
You can of course invest without resorting to the loan if you seek an immediate complement of incomes. But you can also finance your acquisition with credit if you wish to constitute an inheritance from a point of view in the medium and long term, and to profit from an action leverage.
The financing can reach 100% of the price of acquisition. The exceptionally low level of the rates interest currently enables us to obtain rates close to 4%. A privileged legal statute: the LMNP (hirer out with of furnished not professional)
The furnished hiring is very favorable to the owner financial backer.
1. the beams can be concluded for one short duration, from 1 renewable year (whereas the naked hiring obliges you to sign a lease for one 3 years duration minimum)
2. rents of furnished are not regulated and you can freely readjust your rent at the end of the lease (while the increases in rents of the empty hirings are limited and very framed on the lawful level)
The tax haven of the “Micro BIRO” The rents are exonerated from VAT: you do not have thus any formality nor transfer to carry out with the Treasury for this reason on the rents which you bore completely.
You will be also generally exonerated from the Professional Tax. But especially, you profit from a standard abatement of 72% on your rental incomes: since 1999, as a hirer out of furnished, you can choose the mode of the Micro BIRO, if your land incomes do not exceed the sum of 76.300€ in the year.
This mode exempts to you to detail and justify the real loads, and you are taxable only on 28% of the rents which you perceive!
You profit from the new mode of the real appreciations applicable to the private individuals: since January 1, 2004, the appreciations are exonerated from tax after 15 years of detention (against 22 years before)
And as of the 5th completed year, you profit from an abatement from 10% per annum on the appreciation carried out.
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Pour tous renseignements:
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