* mortgage - Real estate! All about your mortgage
1) YOU FIND A REAL CREDIT?
Very few households can claim to have fairly substantial sums for the purchase of a property . is why most of them use credit estate.
Several types of mortgages available to you . The choice you'll stop is crucial because this is a decision that will affect your finances on a longer or shorter.
2) The procedure for
Here are the steps that will facilitate your choice and limit your financial risk. First, you must define your real estate project, which includes identify your abilities and your future financial needs . Also at that time that you evaluate your own contribution.
3) Different mortgages
You can choose among several real estate loans:
* The loan (PTZ). This interest-free loan is available to low-income households interested in buying their principal residence. The amount of PTZ is allocated based on income and household size and location of housing. The PTZ may be provided to supplement other loans for the acquisition of the property without exceeding 50% of the total household loans. Another limitation: the PTZ not exceed 20% acquisition.
* The 1% housing loan. It a mortgage granted to employees of companies with more than ten employees and funded through contributions from them. Granted by the employer at an attractive rate of 1.5% off cost, it requires no income requirement. The repayment period is between 5 and 20 years. The loan 1% housing is granted for the purchase of a principal residence.
* The loan savings (PEL). This type of loan allows you to save ( maximum ten years) to finance your future acquisitions, that is a primary or secondary residence (if the accommodation is new). The amount saved
affects the borrower's loan, knowing that it can not exceed 23 000 euros . All classes of people can purchase a ELP the number of subscriptions being however limited to one.
* The loan agreement (PC) to finance up to 100% of your operation. The
PC requires no means test provided that such investment is intended for the principal residence of the owner or tenant (under certain conditions for the second). Regarding the duration of repayment, the loan under agreement may span more than thirty years at rates varying according credit institutions.
However, rates remain capped: 6.35% for variable rate loans and 6.80% for fixed rate loans The advantage of the loan under agreement, he is entitled to assistance individual housing (PLA) paid by the family allowance fund (FCA).
* The loan of social access (SAP), almost similar to loan subsidized. As thereof SSP can finance the entire real estate transaction and is entitled to individual housing. Another advantage: the borrower may also defer its deadlines if he loses his job. SSP remains limited to financing the principal residence (the owner may rent his property in his absence). Finally, interest rates differ between lenders who can not, however, exceed a threshold: 5.75% for the "variable" and 6.20% for the "fixed".
* The Paris housing loan 0% (PPL). The PPL is an additional loan to zero granted to households wishing Parisian finance the acquisition of a new home or old. Only banks that have signed an agreement with the city can offer. To qualify, the borrower must meet certain obligations, including those residing in the capital for at least a year to buy an apartment in central Paris and settle in the year of acquisition.
The repayment period is 15 years and amounts vary depending on household size ( 24 200 euros for a single person , 39 600 euros otherwise) There are variants of the loan offered by other local,
Borrowers can also use soft loans (EDF loan, cash loan of retired loan officer etc.). There are devices in terms of tax exemption for individuals wishing to invest in the ninth for rental.
Feel free to fill out our form if you are interested in mortgage or want more information about this type of simulation estate site.
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