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Future owner
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 Before launching you in real acquisition, made and remade your accounts. For that, you must appreciate not only your current resources, to calculate well what you must refund, as of the first year, but also to envisage the evolution of your rate of effort for the years to come. But does the fact, to become owner, how much that cost ?
To make its accounts
Today…
Calculate before all your net salaries, i.e. what you perceive each month. Add there if necessary, the pensions or revenues.
Deduce from this sum the current loads of refunding, loans on personal property in progress, the alimonies which you must possibly pour (divorce, ascending, descendants with load)
The purpose of the family allowances are to help you to raise your children, not to enable you to refund a loan. To thus integrate them not in your plan to finance your acquisition. Do not confuse them either with the Assistance Personalized with the housing (APL), which is granted to you only after the entry in the places, in certain conditions.
These assistances granted by the Allowance office Family or the Agricultural Case of Reciprocity depend on your resources, of the nature of your loan, the composition of your family and the number of people with load.
They are revised every year at July 1: they can increase, but also even decrease to disappear.
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Tomorrow…
Take into account the totality of what you must refund:
monthly payments of the principal loan, the complementary loans, the social loans, even of weak amount. Without forgetting the sums lent by your family, they will have probably to be refunded too !
Think of the cost of the insurances related to your appropriations, life insurance or unemployment on the two “heads”
The income available must also envisage the expenditure necessary to your removal, the possible purchase of one second car, the installation of your house.
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 In the years to come…
Evaluate your future resources: progression of your wages (seniority, increases) or the discontinuance of business of one of joint (infant)
Calculate your refundings to come: you may find it beneficial to choose constant annual instalments, if not the monthly payments will increase gradually, sometimes more quickly than your incomes. You do not launch in an operation by being unaware of this evolution, especially if she announces herself precarious. Your lender can undoubtedly propose various solutions to you.
Negotiate with him and make play competition.
Do not forget the operation costs of your new housing:
heating, loads of joint ownership, maintenance of the green areas, local taxes… which will come to be added to your daily expenditure: food, schooling, transport, leisures…
A precise study of your budget can be carried out with an Adviser in Social economy and Family of the C.A.F of Loire-Atlantique.
To become does owner, how much that cost ?
Expenses related with any acquisition.
Expenses related to the loan:
- Expenses of opening of file
- Obligatory insurance charges (death, disability) and optional (job loss)
- The catch of mortgage or the privilege of lender of sums of money who guarantees your lender: to limit its cost you can ask the lender to be guaranteed by the guarantee of a third or a specialized company
- Check that the rate global manpower, which appears obligatorily in the offer of loan and represents the real costs of your loan, takes account of these expenses.
Expenses of notary:
. They are strictly regulated and include/understand:
- Its remuneration itself
- The expenses which it engaged for your account, in particular the wages of the registrar of mortgages and the certificate of town planning
- Various rights and taxes paid with the Treasury. Your notary plays a part of tax collector, in particular for the fees registration and the expenses of stamped papers.
Expenses of estate agency:
If you find your housing via an real estate agent, it is in right to ask you a commission whose amount not regulated must be posted in the agency.
Variable expenses according to the operation carried out.
The acquisition of a ground:
- The rights and taxes had for the purchase of the ground vary according to the time in which work and the surface of the ground are undertaken.
You discharge either the VAT on the part of the ground lower than 2500 m ² and the condition of building or to obtain the permit building within 4 year, or the fees registration.
- Participations in the expenditure of public equipment possibly perceived in the department or the commune. If the ground is located in an allotment, these expenses, either are included in the price of the ground, or with the load of the recipient of the permit building.
- The expenses of geometrician (optional) which have as an aim the realization of the demarcation or the study of the ground (included in the price of the ground in allotment)
The construction of the house.
The VAT on work is included in the total price. Certain taxes and royalties can be instituted by the commune and the department.
They can be to you asked in addition to the price of the house if you benefit permit building: the local tax of equipment (TLE), the departmental tax for the financing of the Council of Architecture, Town planning and Environment (CAUE), the departmental tax of significant spaces, the payment for going beyond of the legal ceiling of density or the percentage occupied time of the grounds.
The purchase of a new housing or in a state of future completion.
The sale of a housing completed since less than five years and not having been the subject of a first change with a person other than a realtor, is subjected to the VAT. With the VAT which is included/understood in the price of housing are added, the tax of land publicity and the price adjustment, if housing is to be built, and provided that it is envisaged in the contract.
The purchase of an old housing.
If you have bought a housing which is completed for more than five years or which already was the subject of a first change, you will have to discharge in addition to the price of housing the fees registration.
You also inform about the whole of the local taxes related to your future housing.
Real information
• Joint ownership: it is a built property in which several people divide common elements (roofs, staircases, corridors, walls…) while having the exclusive possession of certain buildings of the building (apartments, offices…)
The organization of the property right between common parts and privative parts lies within the scope of the law of July 10, 1965 and the decree of March 17, 1967 which are binding on each joint owner.
• Trade union of joint ownership: constituted by the whole of the joint owners and equipped with the legal personality, it has the role of managing and of maintaining the common parts, to ensure the conservation of joint ownership and to defend the interests of the community consisted the joint owners.
Any joint owner, without exception, is member of the trade union. Its presence at the general meetings allows the good performance of joint ownership. It is however not essential so that the decisions are opposable for him.
• Syndic: it is the legal representative and the agent of the trade union. It is named by the general meeting of the joint owners which also fixes the duration and the conditions of her mandate.
• Trade union counsel: he is composed members elected by the joint owners brought together as a general meeting. He assists the syndic and controls his management as well as the documents in proof of expenditure.
• Payment of joint ownership: obligatory, it defines the privative parts and the common parts as well as the organization of joint ownership, specifies the rights and obligations of each joint owner and fixes the loads to which each owner must contribute, according to a distribution established in conformity with the law.
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Pour tous renseignements:
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Future owner
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