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Property in Franche-Comte

2010-07-29 10:56:25

Property in Franche-Comte
You are looking for a villa in Franche-Comte, you have placed in the Google search:

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large house for sale Belfast
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buy apartment 5 rooms Vesoul
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and you have found our link page first, WELCOME to our site specializing in the sale of apartments, houses and villas in Franche-Comte. You can also find property in Besancon Doubs, Jura Lons-le-Saunier, Haute-Saône Vesoul and Belfort in Belfort.

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Theme page: sale of apartments, houses and villas in Franche-Comte. You can also find property in Besancon Doubs, Jura Lons-le-Saunier, Haute-Saône Vesoul and Belfort in Belfort.vendre maison

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Real Estate in Corsica

2010-07-29 10:53:18

Real Estate in Corsica
You are looking for a villa in Corsica,

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buy apartment 5 rooms Porto-Vecchio
sale 5-room villa Porto-Vecchio

vendre maison
and you have found our link page first, WELCOME to our site specializing in the sale of apartments, houses and villas in Corsica. You can find properties for sale in Ajaccio, southern Corsica and Upper Corsica Bastia and Porto-Vecchio, Corte, Calvi Lucciana Biguglia, Furiani Bogo, Sartene and Bonifacio.agence de publicité

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Theme page: sale of apartments, houses and villas in Corsica. You can find properties for sale in Ajaccio, southern Corsica and Upper Corsica Bastia and Porto-Vecchio, Corte, Calvi Lucciana Biguglia, Furiani Bogo, Sartene and Bonifacio.
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Sale 4-room villa in Reims

2010-07-27 13:03:57

Sale 4-room villa in Reims
You want to buy a house in Reims :

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and you have found our link page first, WELCOME to our website, to showcase our properties to sell in Reims

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Estate between individuals

Property in Champagne-Ardenne

2010-07-27 13:01:43

Property in Champagne-Ardenne
You are looking for a villa in the Champagne-Ardenne, you placed in the Google search:

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and you have found our link page first, WELCOME to our site specializing in the sale of apartments, houses and villas in Champagne-Ardenne.

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Theme page: sale of flats, houses and villas in Champagne-Ardenne. You can find properties for sale in Reims, Marne, Troyes in the Aube or:

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Real

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2010-07-21 13:06:47

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Real Estate Center

2010-07-21 13:04:07

Real Estate Center
You are looking for a villa in the center of France, you have placed in the Google search:

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, and you have found our link page first, WELCOME to our site specializes in the sale of apartments, houses and villas in the center of France. You can also find property in Indre-et-Loire Tours, in the Loiret Orleans, in the Cher and Indre Bourges Chateauroux.

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Theme page: sale of apartments, houses and villas in the center of France. You can also find property in Indre-et-Loire Tours, in the Loiret Orleans, in the Cher and Indre Bourges Chateauroux.

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DOPIMMO, the site offers real estate between individuals to file or to view ads: Buying, Selling, Renting Houses, apartments, studios, lofts, shops and all good real estate between individuals.

2010-07-19 19:58:46

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Property in Brittany

2010-07-19 19:51:14

Property in Brittany
You are looking for a villa in Britain, you have placed in the Google search:

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and you have found our link page first, WELCOME to our site specializing in the sale of apartments, houses and villas in Britain. You can also find property in Ile et Vilaine in Rennes in Brittany in Brest and Quimper in Brittany in Lorient.

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Your listing in Burgundy Find your villa, house or flat in Burgundy

2010-07-18 09:56:43

Your listing in Burgundy
Find your villa, house or flat in Burgundy

You are looking for a property in Burgundy? Our real estate site you can visit hundreds of Goods as: 2 room apartment for sale Dijon, apartment 3 rooms for sale Dijon, apartment 4 rooms for sale Dijon, 5 room apartment for sale Dijon, 3-room house for sale Dijon, house 4 parts for sale Chalon sur Saone, 5-room house for sale Nevers, a small house for sale Chalon sur Saone, big house sale Chalon sur Saone, apartments for sale f5 Chalon sur Saone, apartments for sale f4 Chalon sur Saone, Villa 4-piece Dijon sale, villa for sale f4 Macon, villa 5 rooms for sale Macon, Macon villa f5 for sale, buy villa 5 rooms Macon, Nevers buying 4-room villa, buy apartment 2 rooms Auxerre Auxerre 3-room apartment purchase, buy apartment 4 rooms Auxerre Auxerre 5 room apartment purchase for sale villa 5 rooms Nevers sell house

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Theme page: Sales of houses and apartments in Burgundy
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sell house

Property in Auvergne

2010-07-18 09:53:40

Property in Auvergne
You are looking for a villa in the Auvergne, you placed in the Google search:

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and you have found our link page first, WELCOME to our site specializing in selling apartments, houses and villas in Auvergne and the Puy de Dome and 03, Montluçon and Vichy, Aurillac and the 15th at the 63 to Clermont-Ferrand. We can offer apartments, villas and luxury, high class or high end.

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Theme page: sale of apartments, houses and villas in Auvergne. You can find properties for sale in the Puy-de-Dome and 03, Montluçon and Vichy, Aurillac and the 15 to 63 at the Clermont-Ferrand. We can offer apartments, villas and luxury, high class or high end.

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Bordeaux listing Looking for an apartment in Bordeaux? You will find in our real estate site

2010-07-17 15:25:32

Bordeaux listing
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INFORMATION ON THE SALE OF HOUSES, VILLAS AND APARTMENTS FOR BORDEAUX

2010-07-17 15:22:13

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2010-06-24 10:19:38

The tax exemption limit for tax shelters has been reduced

2010-05-17 14:51:43

* The tax exemption limit for tax shelters has been reduced

Since December 31, 2008, it is possible to levy no tax unlimited. The global cap on tax loopholes had brought a halt in 2009 with a few French wealthy who enjoyed an enviable status of taxpayers could levy no tax without limit ... In the "age" a bachelor who earned 650,000 euros and paid about 250,000 euros in taxes per year, could if it had good advice to reduce its tax bill to 0. Partly thanks to investments made through the Malraux Act, historic buildings, the FCIC, the FIP, the FIP ISF ...
The Finance Act of 2009 had put a halt to the kings of the tax exemption by creating an overall limit of tax exemption. Indeed last year for income taxes payable in 2010, the total amount of deductions or tax credits was limited to 25 000 + 10% of taxable income tax unit.

With this measure, the Government with the Finance Act 2010, has done it again and again lowered the ceiling. Henceforth and from 1 January 2010 the total amount of deductions or tax credits will be limited to 20 000 + 8% of taxable income of the tax household.
Even if it touches the end cap that very high incomes, a single person earning 115,000 euros or about 29,500 euros in taxes, and a couple 155 thousand euros per year (31,500 euros of taxes) and will always be totally exempt from taxes. However for very high income measure is much more confiscatory. Since a couple who earns one million euros per year and who should pay about 335,000 euros in taxes, maximum tax preferences can "only" 100,000 euros, or an outstanding tax to at least 235 000 ... Of course that level of income does not reach the majority of the French!

Regarding the tax benefits included in the cap or not, we must distinguish between those arising from a voluntary choice of tax exemption and tax cuts "suffered". The measures taken into account for the cap are the tax benefits from investments has made the taxpayer. Including investment property for tax preferences, such as Scellier law, the law or the law bouvard Scellier overseas. In the same category will integrate FCPI FIP ISF and Malraux Act, for example.
Unlike the tax benefits related to situations experienced and "involuntary" as a disability or the payment of alimony will not be affected by the cap. Just as the payment of grants and pension arrangements (Prefon, Madelin, Perp ...).
(Source: www.diagnostic-expertise.com)

Real Estate: launching a new grant for ecological renovation of houses

2010-03-21 17:36:09

· Real Estate: launch of a new grant for ecological house renovation

Announced this Tuesday, January 26, a "solidarity assistance ecological now takes its place alongside the eco-interest loan and tax credit within the ecological list of various environmental aid. Designed for thermal renovation of a property, this grant will address mainly the smaller owners.

According to a survey conducted by INSEE (National Institute of Statistics and Economic Studies), 15% of French households spend nearly 10% of their income to pay their heating bills.The beneficiary of this grant are ecological to search among this segment of the population, but not everyone will not qualify. In the words of Valerie Letard, Secretary of State to the Minister of Ecology, only the owners as "high energy poverty" should be concerned. These would be some 300,000 low income households, often elderly and have a property for renovation (especially in terms of insulation).

Administered by Anah (the National Housing Agency), a "National Aid Fund thermal renovation of private dwellings" should be endowed with an overall 1.25 billion euros. Being able to distribute this "solidarity assistance ecological owners precarious until the end of 2017, the National Fund should also, according to the Ministry of Ecology and Sustainable Development," facilitate the access of the poor to eco-interest loan, a key measure of the Grenelle Environment.

In principle, this grant will be used to finance work for a real saving energy (the objective being a saving of at least 30%). Immobilierpréalable diagnosis (diagnosis ECD) will be necessary to identify eligible homes and establish the work possible (operation supported by the National Fund). The professional making the diagnosis should have been mandated by a space Territorialised Elderly (EPAT, depending on the council). The "ecological solidarity with" take the form of a subsidy of up to 3,000 euros and an assumption of 25% of the amount of work. For a thermal renovation valued at 20,000 euros, aid and will be awarded 8,000 euros.

This grant will supplement the tax credit "sustainable development". Those property owners will also, through the "National Fund to help renovate a thermal, receive an advance form of zero-interest loan, the amount of the tax credit. This advance should we explain the press sent by the department, "avoid the time lag between payment of work and allocation of tax credits could lead to an insurmountable difficulty to cash.
(Source: www.diagnostic-expertise.com)

ISF: taxable assets, exempt allowances ... you need to know

2010-03-20 22:11:50

· ISF: taxable assets, exempt allowances ... you need to know

Firstly it is important to note that the Solidarity tax on wealth or wealth tax is a tax paid "more" of the income tax. The difference is that it does not calculate based on the income of the taxpayer, but depending on the value of heritage. The ISF is owed by all individuals whose heritage is superior to 1 January 790 000 (threshold valid for the year 2010).
How does one calculate the ISF?
We must first distinguish the concept of tax residence. For people who have their fiscal domicile in France, the value is calculated on all assets worldwide (except national conventions tax otherwise). In contrast to persons whose tax domicile is outside French territory, while the TFR is calculated only on assets located in France.
Also the concept of tax unit differs from that used for income tax. In fact, the TFR is calculated on all property and securities owned by taxable persons and are subject to joint taxation to wealth since it is a married couple, PACS or people living in situation of cohabitation and their minor children.
The ISF takes into account all assets, rights and assets belonging to members of the said tax home. Thus the value of assets is calculated by adding all assets with heritage value. Second home, investment property (tax exemptions, land law Scellier ...), Heritage (wood, forest ...), furniture furnishing (equal to about 5% of the total value of other assets), cash ( booklets, savings accounts, treasury bills ...).
However, exemptions exist. These include a total exemption for works of art, including a partial exemption applies to agricultural land and finally a relief to own property subject to professional use. The value of net assets are assessed January 1 of the tax year.
The heritage asset is then reduced if the liability deductible. This liability may be the outstanding principal of a mortgage current, but also to pay taxes such as income tax, property tax, housing tax ....
Once the value of fixed assets, if it exceeds 790 000 euros the amount exceeding this threshold (160 000 euros for a wealth of 950,000 euros for example) is taxed at the rates contained in Article 885-U Tax Code, which has six installments and the tax rates range from 0.55% to 1.8%. In our example, the 160 000 would be taxed at a rate of 0.55% is payable to a TFR of about 880 euros (before any reductions and cap).
The tax on wealth is to be paid each year before June 15
The main residence is it considered?
Unless otherwise specified, the main residence of the taxpayer falls within the scope of the ISF.As for all other goods, the declared value represents the market value of the property on January 1 of the tax year minus any corresponding liability (principal remaining owed).
Given the evolution of house prices over the past decade, lawmakers have still planned to set up an abatement on the value of the taxpayer's principal residence. This reduction of 30% is made on the real market value of the building occupied as a principal residence by its owner.
What corporate securities?
In the absence of contrary provisions, corporate securities are taxable property. However, exemptions for business assets are planned. Exempt:
- Goods subject to use by the owner or a member of their household in the context of a professional activity engaged in as principal.
- The shares in companies as business assets.
Under private property, are exempt:
- Subscription with an undertaking conservation. Article 885 Ia tax code stipulates exemption of 75% t under the holdings in a company with an industrial, commercial, craft or profession for agricultural partners who have given a collective commitment to conservation two years knowing that the exemption is granted only after a total period of six years of conservation.
- Subscription to the capital of an SME. Are eligible for this exemption not only direct investments but also investments through a holding company and investment through a FIP, an RPF or FCIC.
How to reduce the TFR?
The tax exemption of the ISF is less straightforward than for IR. Indeed some tax cuts are for ISF unlike the income tax. These include the reduction of TFR for dependents. Taxpayers with dependent children may deduct the amount of ISF 150 euros per child.
The reduction in ISF for capital of SMEs. A debtor who subscribed capital of an SME under the EU directly or through a holding company may deduct the amount of ISF due from it, 75% of the amount invested when the sum reduction of tax can exceed the sum of € 50,000 (PIF investment, innovation funds, venture capital funds ...).
Reduction of TFR for donations to charitable bodies. Including donations in cash and in full ownership of shares made for the benefit of certain charitable bodies dedicated to research, education or inclusion. The tax reduction equal to 75% of the amount paid in the limit of € 50,000.
(Source: www.diagnostic-expertise.com)

Mortgage lending: banks have finally broken their promise

2010-03-19 21:10:48

Mortgage lending: banks have finally broken their promise

The overall volume of credits granted to the private sector grew by only 1.8% over the full year 2009. The banks will therefore not ultimately held the end of 2008 commitment to increase 3 to 4% of the outstanding loans, such is the principal information transmitted by this Friday, January 29 Bank of France.
In late 2008, faced with the growing anxiety of a growing crisis, the state was forced to develop a support plan for banks. In exchange for nearly 360 billion euros at their disposal, large financial groups had then pledged to increase significantly (3 to 4%) on volume of credits granted, including business loans and mortgages. If throughout the year, bankers have tried to maintain hope, it is now clear that there is still quite far from the targets set a year ago. In a statement released this Friday, January 29, 2010, the Bank of France conceded that the stock of loans has increased, throughout the past year, only 1.8%.
Between special aid given by the state and a particularly low refinancing rate applied by the ECB, however, had been done to ensure that banks can keep their promise. Most of them have also not hesitated to use the means at their disposal to improve their balance sheets, to the point they can afford to reimburse the state aid as early as October (with the exception of Group Caisse d'Epargne - Banques Populaires). If rebuilding their profit margins has been clearly perceived by banks as a priority the renewal of credit (primarily business) has, it seems, not been the keenest attention.
According to the study released by the Bank of France, the volume of cash loans granted to SMEs would have fallen by about 14.2% (yoy). More generally, the outstanding loans to companies accuse him for a decline of -2.4% (in summer 2008, it posted an annual increase of 14%).
The Banque de France wishes to stress the "recovery of loans granted to households, loans up 4.1% in December against 3.7% last November. Regarding the mortgage, instead of figures recorded in the first half of 2008 (annual increase of the volume distributed over 10%), the decrease seen in house prices, however, helped fuel a significant increase of +4.1% on the past year.
On the front of the credit, the year 2009 presents an assessment so far from being satisfactory.At a meeting on Feb. 11 with leaders of major banks, Christine Lagarde, Minister of Economy, will also make a good bite of recall. "I do not want the banks drop," she said yesterday.
Following the release of the Bank of France, the response of the FBF did not wait. "The growth of outstanding groups will be significantly above 2%," said Friday the French banking federation, adding that the study conducted by the Bank of France included not only the results of large financial institutions but also those banks do 's is not committed to developing recovery credit.
(Source: www.diagnostic-expertise.com)

The barometer Seloger confirms the slight rebound in real estate

2010-03-19 21:09:47

The barometer Seloger confirms the slight rebound in real estate

In January, for the third consecutive month, the glass drawn from the site ads Seloger ignores the decline initiated in late 2008 early 2009 to make housing prices driven upward overall.
Released on Monday 1 February 2010, the real barometer Seloger shows again an average price of homes a considerable increase on the national level. After two increases of 0.6% in November and December, the housing prices seem to confirm their modest recovery with a national index to 0.9% for the month of January 2010. "Evidence that sellers may try to regain control," the site notes in its statement. Established through the ads listed on the site, the barometer Seloger only shows prices for the sale, and not taking no account of any negotiations that may occur when a property transaction.
The slight upward trend observed in late 2009 seems to be continuing in 2010, it is still premature to discuss its generalization. As many cities are observing a return of rising prices, as is the case of Cahors (5.15% in quarterly change), Lille (2.34%) or Paris (2.09%) , others continued the adjustment committed there is a little over a year (-6.51% in Perpignan, -2.61% in Le Havre, Auxerre -2.01%, -0.4% in Lyon and -0.3% in Marseille.
Vendors seem to be slowly leaving the waiting game in which the crisis had plunged, albeit not much disparity between regions. In terms of short-term forecasts, Roland Tripard the Seloger CEO, believes that "the permanence of rates still historically very low lesprêts estate and the decreasing number of new programs started work should continue to advocate for stability or a slight rise in property prices old, especially in big cities. "
(Source: www.diagnostic-expertise.com)

Real estate: as expected, rents are frozen in early 2010

2010-03-19 21:08:37

Real estate: as expected, rents are frozen in early 2010

Besides a significant rise in property prices (+0.9% in January), the barometer made by the advertisement site Seloger confirms a predictable pattern: the stabilization of rents.
On 14 January, the National Institute of Statistics and Economic Studies (INSEE) published for the first time since 1994, an index of rents (IRL) negative. By posting the fourth quarter 2009 an annual decrease of -0.06%, the index used as a basis for reassessment of rent during a lease renewal or a new lease heralded a calmer future in terms rent for tenants. Without announcing a decline in the rental cost, "the authorities consider that the rent adjustment applies only when the index increases," said lawyer Gerard Hodemon a negative IRL allowed but not too involved to predict a on "blocking" of rents applied to the first quarter of 2010.
Unveiled on Monday 1 February, the real barometer of the group Seloger therefore gives substance to this prediction by showing a "rate stabilization" on the national level. Individually, however, show the French cities of disparate developments. Although stabilization appears to be the watchword for most of them, as is the case in Pau (with 0.1% over the last three months) or Paris Intramuros, which recorded an overall decline but overall any slight -0.5% thus establishing the rent per square meter to 28.90 euros, but they are still likely to present a tight rental market and a downward adjustment.
Among the places where the owners of rental property have not hesitated to review their claims on the rise, there are major cities such as Lille (2.27% over three months), Besancon (2, 05%), Nancy (1.77%) or Epinal (4.25%). Conversely, cities such as Troyes (-3.46%), Reims (-2.44%), Le Havre (-1.99%) or Aix-en-Provence (-1.33%) to correct their rents to down to the delight of new tenants.
(Source: www.diagnostic-expertise.com)

Real Estate: Appeared Benoist wants redemption of vacancies

2010-03-19 21:07:42

Real Estate: Appeared Benoist wants redemption of vacancies

The report issued yesterday by the Abbé Pierre Foundation raised the issue of poor housing in France and highlighted the urgency of a situation more sensitive. Given the glaring lack of accommodations, Benoist Appeared, Secretary of State for Housing, announced Tuesday, February 2, 2010 a possible opportunity for housing agencies to purchase homes vacated by their owners.
Fondation Abbé Pierre has given this Monday, February 1 its 15th annual report devoted to the poor housing in France. A report, in referring to nearly 10 million people in this situation, immediately caused a stir in the world of real estate. Given the alarming findings of this study, Benoist Appearing was delivered very quickly (same day) on the need to engage in "deep reforms and new forms of public action." Few favored a policy of requisitioning vacant homes, he said, in addition to being "ineffective" convey "a negative message sent to all owners, the secretary of state went a step further, this Tuesday morning pickups in France Culture in standing up for the redemption of such property immobiliersvacants by HLM.
"I find it outrageous retention of vacant dwellings in cities where there is the housing crisis," said Benoist Appearing yesterday before talking about the idea of creating an offer and immediately available to diffuse the most modest "collaborating" with the housing agencies in a broad program of redemption. A secretary of state may be less virulent but also resolved then this morning speaking on France Culture: "requires that public housing can make a proposal to purchase an owner of a vacant unit, to [them] into social housing.
Appeared Benoist has also recalled what it meant to re-market the vacant units. In principle, once the homes bought by housing agencies, can be offered to various associations to rent these properties at market price and then sublet them at a lower price to persons hitherto inadequately housed, the State paying for the difference in rent.
(Source: www.diagnostic-expertise.com)

Real estate: New York Habitat analysis in the Paris market

2010-03-19 21:06:34

Real estate: New York Habitat analysis in the Paris market

On 29 January, the company New York Habitat released a study back on market trends rental in Paris during the first half of 2009. Posted 5 months after the period, the report by the rental property in New York but will deliver to potential investors and tenants a clear picture of the Parisian market.
Designed for people wishing to rent an apartment in Paris, and mainly for tourists and business travelers foreigners (especially Americans), the study focuses on two distinct sectors rental who "have not escaped the general downturn in the market "the furnished rental and vacation rentals.
On monthly rentals (land property exceeding one month), New York Habitat estimates that between January and June 2009, the economically difficult situation weighed heavily on the volume of reservations. The owners were forced to apply slight decreases in rents while tenants have, in turn, could benefit from a wider choice both in terms of price of housing types. If rent studios and apartments of T2 and T3 seem to have shown some stability on the T4 and the study notes that "prices of rental apartments in Paris rose between 2007 and 2008 before fallingnearly 17% in 2009 to return below their value H1 2007.
If this is indeed the weak economic situation which has mainly affected the market for rental property furnished, the vacation rental (occupation of property between one month and three days) was subjected to the influence of one other factor: the rise of the Euro against foreign currencies including the dollar. In this market also New York Habitat has been a significant decline in rents charged for "recession forces, customers make their choices on price to reduce the cost of their trip.
The study also aimed to landlords and property managers. According to his manager, Brian Lowenberg, "stay tuned to the market is even more crucial now. With the crisis in the market for rentals and vacation rental in Paris, it is essential that owners remain competitive and that customers have a clear idea of average prices for rental in Paris. We are able to provide this information through the publication of our biannual study.
(Source: www.diagnostic-expertise.com)

Real Estate: notaries confirm the recovery but remain cautious

2010-03-19 21:05:29

Real Estate: notaries confirm the recovery but remain cautious

The real estate professionals eagerly awaited the last note of conditions of Notaries of France, established in collaboration with INSEE, has just been published. A note that seems to confirm their various forecasts of a slight market recovery.
Published on January 28 last, the study delivered by the Notaries of France takes a look relatively optimistic about the behavior of the real estate market during the last quarter of 2009.Supported by a number of transactions has increased steadily since the end of the first semester, notaries longer hesitate to evoke a certain market recovery. "The thinning of the market previously found to maintain and even seems to be confirmed in late 2009," they point out in the preamble of their publication. The volume of sales recorded in the whole year should be around 590,000 units for the older building and the 95,000 new housing units.
On the price front of the older building, which began during the last months of 2008, the decline recorded by notaries in France stood at the end of Q3 2009 for the Ile-de-France, -7, 5% for flats and -9.5% for houses. In the provinces, the trend was similar with a decline in values of -6.9% for apartments and -8.5% for houses.
In detail, the annual decline recorded in the various cities of France displays disparate developments. If cities like Bordeaux (-3.6% in the apartments), Lille (-1.4% in the apartments) or Poitier (-1% for houses) could show a relatively modest annual decline, others saw cuts a very different scale: Clermont-Ferrand (-12.8% for apartments), Rennes (-10.5% for apartments), Strasbourg (-14.7% for houses), from sometimes even exceed 20%. This was the case of Toulon (-21.6% for houses) and Dijon (-21.4% again for the houses).
Optimistic when it comes to evoking the evolution observed on the end of 2009, the notaries are cautious of rigor to discuss their outlook for the year 2010. "It is hoped that catching up in number of transactions seen so far is not a mere optical illusion without a future," they note before conceding that "the real horizon is far from being fully released : fear of rising unemployment, uncertainty about the sustainability of immobiliersactuellement favorable loan rates.
(Source: www.diagnostic-expertise.com)

The law Scellier remains unchanged in 2010 despite a lot of commotion

2010-03-18 11:03:05

After a few twists the law remains unchanged in 2010 Scellier

What else does the law Scellier in 2010? Despite a few twists due to provisions BBC, 2010 Scellier law remains in its original version.
The joint commission has preferred not to touch the law Scellier for fear of breaking the modest recovery expected in 2010 Real estate thanks to the success of the law Scellier. By late 2009, however, it was matter of putting in place a device called "Scellier BBC" to increase the housing stock Low Consumption. Project aborted and postponed to 2011.
Scellier Act 2010:
Effect of turning itself into the law Scellier initial taxation related to this system of tax exemption will remain unchanged in 2010. Hence the interest tax is the tax exemption Scellier preserved and will enable investors who had not taken the step in 2009 to make it in 2010 with the same rates of tax reduction.
Tax Scellier 2010
The rate of tax reduction is maintained at 25% in 2010 as housing or BBC or not. For the basic calculation of the tax cut, the limit is always set at 300,000 euros and an investment year. The tax reduction is linear over 9 years. You can always opt for the social aspect of the law where you Scellier tax preferences over 15 years, then you switch into the law office that will allow you Scellier tax exemption of 12% over 6 years, 37% overall (25% 9 years + 12% over 6 years).
Changes Scellier areas:
The MPC has modified one parameter: the areas of law that may change under Scellier exemption. The Committee noted that many were common (and not programs) zone C, which can benefit from the law Scellier notwithstanding. Now the Minister of Housing will make eligible for certain common law Scellier Area C if they would meet the necessary conditions to not create an imbalance in the housing market in the city concerned (existing rental market, no overproduction new homes ,...). View zones Scellier law.
When will the return of Scellier BBC?
2011. Repulsed but not forgotten. Beginning in 2011 if housing does not meet the standard BBC, the reduction rate of tax will rise to 15% in 2011 and to 10% in 2012. If you want tax preferences and therefore benefit from a rate reduction higher tax must be invested in a dwelling called "Scellier BBC, in which case the tax reduction Scellier" classic "goes up by 10 points.25% in 2011 and 20% in 2012.
(Source: www.diagnostic-expertise.com)

Real estate: developers are concerned about the homeownership

2010-03-17 20:48:11

Real estate: developers are concerned about the homeownership

The market for new housing if it happens to turn gradually but irrevocably to let investment? In any case seem to fear that the developers in finding builders employed by the increasing purchases of new homes for rental at the expense of home ownership itself.
Nearly two-thirds of new property acquisitions (65,000) were conducted in 2009 for a lease in the future. Just over a third of new homes or 37,000 homes or apartments, have been acquired through a home ownership (owner occupation). This is the conclusion drawn this Thursday, February 4, 2010 by the Federation of promoters manufacturers (CVT). For its president, Marc Pigeon, "if the investment supports the rental market, home knows its sharpest fall for 15 years." The fault, according to these professionals, government measures taken to support the work of new housing, in which tax exemption Scellier emerged as the spearhead (device rental investment to deduct from their taxes 20% the purchase price of the property).
While regretting that there had "been anything done for homeownership," Marc Pigeon does not deny the positive momentum generated by an Act Scellier he considers "as efficient visible and simple." If it revolves around leaseback investment, however the Scellier "permit the construction of housing, additional revenue through the VAT increase employment opportunities for businesses while promoting lower rents.
The balance sheet of the FCP is therefore subdued. With an estimated number of transactions by the Federation of 105,000, the new home market this year recorded an increase of almost 30% compared to 2008. A development which developers can rejoice but it should be perspective with regard to the year 2007. For Marc Pigeon, "from 2007, which can be described as when the needs were met", 2009 shows a decrease of 20%. "We find the bottle is half empty or half full," he says.
As for predictions, the FPC adopted a cautious rigor. Given the "uncertainty about employment, rising interest rates possible, the ineffectiveness of the tax credit on mortgage interest, the end of the doubling of the loan to a zero rate [...] Restarting the assumption in the new housing in 2010 that appears unlikely. Added to this, Marc Pigeon note for its part that the proliferation of low-energy building projects (BBC) should "lead to pressure on prices and hence higher production costs.
If one wants to see a real recovery in the market for new housing, the chairman of the PSC believes it is now necessary to "redirect funding towards more current economy, green buildings and to more effectively". Noting that the tax deduction of mortgage interest (established by TEPA) does not encourage real estate investment but rather the purchasing power after the acquisition, Marc Pigeon intends to push for a revaluation of the loan zero he considers a device "directly effective". "The question is whether the state has a budget to support the housing market," he says.
(Source: www.diagnostic-expertise.com)

Property Renovation: Eco-interest loan to the coast

2010-03-17 20:46:50

· Retrofitting estate: eco-interest loan to the coast

Launched there is a little less than a year, eco-interest loan awarded increasingly popular among individuals who see him as an indispensable tool for thermal renovation of their homes.
In a statement released this Monday, February 8, 2010, the French Banking Federation (FBF) notes that since its entry into force on April 1, eco-interest loan Federated had already some 75,000 borrowers. Brought in bags of the Finance Act 2009, the eco-PTZ therefore, according to the federation, had a "successful start. Recording in October 2009 nearly 50,000 applications for credit, already very satisfactory result at the time, the volume of eco-free loans distributed continues to rise, largely motivated by the various government measures for real estatesustainable.
"The positive result of the strong involvement of all stakeholders (banks, craftsmen, construction companies ...)", said the French Banking Federation, adding that this is "a new testimony to the willingness of banks to help finance projects of their clients who contribute to sustainable development. "
If the speech seems sometimes adopt accents propaganda, the success of eco-PTZ is nevertheless undeniable. "The French are very interested in the execution of works" green "and are more likely to choose the financing solution.
Eco-interest loan will actually have a maximum of 30,000 euros (17,000 euros of the sum borrowed more regularly), repayable over 10 years to fulfill a range of renovation called ecological. Concerning this work possible through an eco-interest loan, the Federation regrets that "the regulatory complex to define eligible works is often a source of delays in assembling records. Despite several requests, the authorities have still not made the necessary clarifications and simplifications that would accelerate the realization of projects and increase the number. "
(Source: www.diagnostic-expertise.com)

A zero-interest loan to replace the income tax deduction of mortgage

2010-03-14 18:36:28

A zero-interest loan to replace the income tax deduction of mortgage

Measure emblematic of TEPA Act (Labour, employment and purchasing power), the deductibility of interest ducrédit property was she going through his last hours? According to business daily La Tribune, deputies working on a complete overhaul of the device.
Launched to great efforts in communication by Nicolas Sarkozy when he assumed the French presidency, the deductibility of interest on a mortgage was required by the Head of State, participate in making France a country of owners. Despite numerous modifications (including imposed by the Constitutional Council), the key measure of the TEPA Act has generated considerable enthusiasm among individuals who could then, after contracting a mortgage to purchase their primary residence, benefit from a tax deduction equal to 40% of loan interest the first year and 20% the next four years.
Wanting to be a real incentive for property acquisition and home ownership, the deduction of interest on housing loan, however, quickly hinted certain limits. "The banks do not take into account the tax credit to measure the ability to repay the borrower, fell a few months ago the budget minister Eric Woerth. President of the Federation of promoters manufacturers, Marc Pigeon, sorry, Feb. 4 last, that this tax credit takes effect after the acquisition of the property.He said the measure "if it is favorable to purchasing power, [...] does not increase the solvency of households when purchasing a home." One thing that stands also Marie-Christine Caffet, development director at Credit Mutuel, stressing that "the tax credit on interest is not the same effect of immediate assistance in home ownership that the loan to zero.
Marc Pigeon as Marie-Christine Caffet argue the case for an adjustment of interest-free loan, less expensive for the state, instead of the tax deduction of loan interest current. Adaptation, on which, if you believe the information provided by La Tribune, floor members and Michel Piron Gilles Carrez. The latter could, in a few weeks before the National Assembly to present a complete overhaul of the measure. "A study was initiated to transform the device into a system without a means test, but would function the same way that the PTZ", explained Gilles Carrez February 3 last.
The Government does not seem, for now, close the door to possible changes, however, admitting he had not taken any decision. "We work on this subject. We compare the two systems, PTZ and tax credit. We can not prejudge the conclusions of this study, "said Eric Woerth would.
(Source: www.diagnostic-expertise.com)

The first comparator estate agents landed on the web

2010-03-14 18:34:16

The first comparator estate agents landed on the canvas

Want to sell your property, but the agency that you are about to contact is really the best choice? It intends to answer this question site Mis-en-contact.comen offering a new service: a comparison of estate agents.
Launched on the web 1 February at the initiative of three brothers (Pascal Romaric and Sébastien Cherry), the site Mis-en-contact.com therefore offers individuals the opportunity to compare the performance of several real estate agencies prior to their property for sale. By completing a simple form, the seller may receive future, after a few days, proposals from various agencies (5 maximum). Under cover of anonymity, the individual may then freely make the choice of professional that best meets their profile vendor.
Given the multitude of agencies are on the market and in the interests of transparency, the site will allow individuals to evaluate these professionals under specific criteria: fees, publicity and promotion of good sold, ancillary services (real diagnosis ...). An estimate of real estate property concerned should accompany each proposal submitted to the owner.
If facilitate future approaches vendor seems to be the main objective of this new service, it should also rob the real estate professionals. To compare real estate agents might in fact bring back those owners who had previously diverted from the transaction "traditional" through an agency to profit from the sale of the owners. Asked about the interest of the tool for professionals, Sébastien Cherry explained that "doing the best bid, not necessarily the lowest, but highlight the services you provide, get out your business case. The goal is not to reduce the cost of the commissions, but to increase services offered.
If completely free for individuals, the site offers various pricing professionals, ranging from 79.90 euros to 149.90 euros per month, depending on the length of commitment desired (1 to 12 months). For this price, the estate agent will therefore increase its visibility, but also and above all, Cherry said Pascal, "greatly reduce the cost of acquiring a warrant." For the co-founder of the site, a former consultant with Century 21 property management and responsible investment in Robien Akerys, it is there, neither more nor less than a full service that will revolutionize the real estate Internet, something that has never been done ... "
(Source: www.diagnostic-expertise.com)

Reality ESTATE:

2010-03-10 13:36:07

Real estate and reality: Members of a public housing

Whereas in France the government is working on the thorny problem of housing under-staffed, public housing across the channel is subject to much lighter attention: four members decided to settle for the needs ... a reality show.

To better understand the living conditions of much of their fellow citizens or simply to earn extra capital sympathy among the general public, four British MEPs have agreed to participate in the reality show " Tower Block of commons. The program is broadcast weekly on Channel 4, which could be translated as "the Tower of Parliamentarians HLM," indeed offers four-elect (Mark Oaten, Liberal Democrat MP, Tim Loughton, Nadine Dorries and Austin Mitchell, all membersConservatives) to share the time of one week the daily HLM tenants.

Bartering their comfortable salary of 74,000 euros annually (65,000 pounds) against 64.30 pounds per week that are unemployment benefits, members of the British Parliament have therefore made a brief foray into the lives of low income citizens, sharing their property as theirdaily concerns. From their own admissions, the opportunity was great for these power politics regilding an image tainted somewhat in June, by a vast scandal involving abuse their expense. A goal does not seem to have been reached, with members then show personalities have "lost touch with reality a few years ago" (comment left by a viewer on the website of the British chain).

In France, in the absence of reality is the Fondation Abbé Pierre, who not long ago, has undertaken the challenge the government on the growing problem of poor housing. In the process, the Secretary of State then announced logementBenoist Appeared in early February, the release of a package of 4.7 billion euros for the construction of 140,000 properties in future social.

Besides the ambitious program unveiled by the government, initiatives have been undertaken locally. This is particularly true in Lyon where elected officials should decide in the evening on the adoption of a computer containing all the requests for obtaining public housing. The records collected from different social landlords could well be integrated within a single database to ensure equal treatment of candidates. Costing an estimated 900,000 euros, the device could be available early 2011.

(Source: www.diagnostic-expertise.com)

A mortgage rate of around 4% in the fourth quarter of 2009

2010-02-25 23:23:23

A mortgage rate of around 4% in the fourth quarter of 2009

By posting, this Tuesday, January 26, 2010, its latest study on mortgage rates, the Housing Credit Monitoring / CSA in turn gives us a barometer to the air balance.

Although lower mortgage rates seems to have, according to the Observatory, "stalled at the end of the year 2009, but has allowed them to stabilize at around 4%. On the whole fourth quarter, the average rate charged by banks for a loan for housing amounted to 3.79%. While it now seems to gradually dry up (the average rate rising very slightly to +0.03% from November and December), the backward movement adopted by the credit rate is nevertheless important. Since the fall of 2008 and the first manifestation of a significant decline, interest rates showed a decline of 136 basis points. In the opinion of the Observatory, "credit conditions are therefore excellent.

Like many real estate professionals (realtors in mind), the Centre headed by economist Michael Mouillart sees this level of rates still relatively low precursor to a gradual recovery in the housing market, a market yet still appear quite sluggish. The authors of the study, if the crisis seems to loom on the horizon, the economic downturn which is now facing the prospective owners' crippling demand. "

In 2008, the average duration of a mortgage had consistently declined nearly 8 months (even after increasing in 2007), a trend which largely confirmed throughout 2009. "In one year, the average durations fell about 5 months (to bring to 212 months)," said the observatory.

As for predictions, Michel Mouillart states for this study that "currently, the rates do not go back and [that] they should remain at that level until the spring"

(Source: www.diagnostic-expertise.com)

Property: 2009, black year for construction in France

2010-02-23 01:10:20

Property: 2009, black year for construction in France

2009 gives us his latest statistical series and the beginning of 2010, the time is the balance sheet for a new real estate market fairly experienced. Before the eventual recovery, the Ministry of Ecology and Sustainable Development Tuesday, January 26 reveals that the figures on a very dull construction now who dressed his wounds.

"In a context of international crisis, 2009 marks one year of decline for the building," noted the AFP this morning to Secretary of State for Housing Appeared Benoist. Whether building permits or starts, the decline has indeed been widely felt within the industry. If a slight improvement noted for the last quarter helped to maintain the hope of a brighter future, building professionals undoubtedly will mark the year 2009 a black stone.

Over the last twelve months, the number of building permits issued and would have reached its lowest level in six years. With 397,310 permits, the decline amounted to -17.8% compared to the previous year. "Not since November 2003 to observe an accumulation of less than 12 months to 400,000 units authorized," says the ministry. In detail, only the building permit for residential properties displayed in progress (+7.7%), housing individuals (12.8%) and utilities (-27%) for accusing them an heavy recoil.

With 333,247 construction begun, the statement on housing starts is similar. For the full year 2009, their number is declining by -16.7% compared to fiscal 2008. Again collective dwellings (-19% at 137,000 units) seem generally more affected than the individual units (-16.2% to 177,000 units).

Despite the statistical publication of the most morose, Benoist Appeared defended himself from falling into excessive pessimism, wishing rather to relativize this statement in 2009 by projecting a European scale. "In France, the construction sector held up better than its European counterparts with 330,000 housing starts and 50,000 jobs were saved thanks to the recovery plan," he said as well.

(Source: www.diagnostic-expertise.com)

The BBC device

2010-02-22 02:36:51

After Scellier law, the BBC will feature green buildings in our

The tax cut into law Scellier "classic" is set at 25% of the amount invested in 2010. In 2011 the rate will be lowered to 15% then 10% for 2012 to help build homes "green" and saving non-renewable energy.

To qualify for the reduced maximum tax Scellier with the device in 2011, up 25%, we must invest in a home called "Scellier BBC" to "Building Low Consumption."

The rate of tax exemption BBC device will then be reduced to 20% for 2012 is 10 percentage points more than the classic Scellier anyway.

For a similar investment in 2012 of 150,000 euros it will represent a total tax exemption 1666 euros per year (for 9 years) Scellier BBC NO cons 3333 euros per year with housing BBC.

To view a single glance the rate of tax exemption law Scellier BBC, here is a brief summary.

Table tax benefits of the device Scellier BBC

Year Investment

Reduction

Rental commitment

Investment Ceiling

2011

25%

9 years

300 000

2012

20%

9 years

Apart from these different rates of tax exemption, the two devices are very similar between the BBC and non-tax exemption Scellier low housing consumption.

The mechanism is the same tax exemption, and conditions to comply as: Calculation capped at 300,000 euros, tax reduction linear over 9 years, surplus carried over 6 years, one investment under Scellier BBC by year ceilings for rents according to geographical areas of the property (see rent ceilings Law Scellier BBC).

The main difference in the devices reside in the construction cost of the property. The standards will they climbs BBC house prices green? Hard to say at this time because the number of new building standards truly complying BBC is ridiculous. The launching in 2010 BBC program real mass will be a better idea of the additional costs of implementing the standard.

In conclusion, investing in non-law Scellier BBC in 2010 is still profitable. From 2011 it will have to be analyzed are between real estate investment and calculate the 15% tax cut law Scellier "classical" or any additional costs incurred due to BBC standards. The profitability of the investment will be decisive.

(Source: www.diagnostic-expertise.com)

LOSS HISTORY FOR THE CONSUMER CREDIT

2010-02-22 02:31:03

Falls historic for consumer credit

This is a story that should delight many consumer groups, the consumer credit in 2009 would have a loss of speed history. On the whole past year, the French association of financial firms (FSA) stated yesterday by voice communicated that the aggregate amount so distributed would have declined by 13.3%, the largest decline in 45 years.

Battered by the crisis, a difficult economic environment, and logic necessary budget, the French have thus gradually turned away from a relatively heavy item of expenditure: recourse to consumer credit. In the opinion of the FSA, the 'decline is unprecedented in 45 years of statistical monitoring of the activity. Over the last twelve months, the sector of consumer credit thus registered eleven months of decline (compared to same month the previous year) to finally show a decline of 13.3% over the whole of 2009 . If in 2008 some 43.8 billion euros have been allocated through an appropriation of this type (credit car, motorcycle, personal loan, etc..), The FSA has identified that only 38 billion in 2009.

Considered by many (consumer in mind) as one of the main vectors of indebtedness, credit for consumption this year found itself facing a double problem. A growing distrust shown by households was indeed associated with the lending agencies which, before the increase in arrears, have sometimes limited their offerings. According to Nicolas Pécourt, director of studies at Sofinco, they have not given up on the consumer credit, the French, however, lowered the average amount borrowed (-10% compared to 2008). "France is a country where the debt remains relatively low, but the theme of the indebtedness focused attention. This, added to the crisis, has made the market very complicated ", explained to AFP Pascal Roussarie Cetelem.

In detail, only the contracted car loan when buying a new car seems to limit the damage by even showing a sharp rebound in the last quarter of 2009 (+15.7%). For the full year, credit car displays a limited reduction of -4%. Personal loans, credit provided to equip their homes and revolving credit for their part accuse a decline respective -22.8%, -13.3% and -11.2%.

(Source: www.diagnostic-expertise.com)

From real estate owners

2010-02-22 01:57:33

The owners?



In France the real estate between individuals is present. Indeed, unlike English, most real estate transactions are the owners. The French like the system D.



The real estate between individuals as it pleases the French can happen estate agents and their fees can rise to 8% of the property value. This is obviously a significant saving for someone who buys a property.



In the United States, 9 out of 10 sales are made through a Realtor, but fees are much lower, and an estate agent is part of the decor for many years.



Then in France, during a property sale, the deed is done necessarily at the Notary, is guaranteed by the latter. The Notary manages the origin of property, financing, planning, ... The buyer benefits of various preventive diagnosis (lead, asbestos, termites, measuring Carrez) but also protection for its mortgage (law Scrivner).



A maximum efficiency thanks to Web 2.0, new technologies of information and communication constantly growing. Properly used, these new sources of communication allow for real estate transactions of owners simplified.



The transaction between individuals avoids fees of agencies, especially the skills of some professionals wanting.

No agency, between individuals, without commission from the owners: is the future of the French real estate.

Mortgages: Rates down slightly

2010-02-06 20:12:22

Mortgages: Rates down slightly by Empruntis







Unlike credit broker Brokerage AB, rival Empruntis.com has not registered a drop of as high mortgage rates that its banking partners.



On average, Empruntis.com found decreases in the order of - 0.05 points on all maturities of debt, cons - 0.15 points for all of its partner banks to AB Brokerage.



This difference may be explained by the fact that the two brokers may not have the same banking partners and it is indeed limited within certain partners of AB Brokerage.

Empruntis.com states that "if more than 70% of banks post declines between - and 0.05 points - 0.15 points, 25% of banks kept their rates unchanged and 5% have implemented small increases.

As for minimum Empruntis.com also notes "some slight decreases (- 0.05 points), especially in times of 15 to 20 years for which the best records are entitled to a fixed rate of 3.50% excluding insurance over 15 years and 3.60% over 20 years. "



The forecast Empruntis. Com for February are in line with their forecasts last month: the broker anticipates a slight decrease in rates for the month of February and early March.



For late February and early March, the broker believes that the average fixed rate will be 3.75% or 3.80% over 15 years and 3.85% or 3.90% over 20 years. What get even more time high of 2005. Key drivers of these rates attractive: the stability of the rate of the European Central Bank has kept unchanged again this month, and an OAT broadly stable for several months.



For borrowers who wish to realize their real estate project is the right time to borrow.
www.dopimmo.com

Real Estate: the renovation is running Green

2010-02-04 23:43:57

Real Estate: the renovation is running Green



You know, the Grenelle Environment has big ambitions in terms of reducing carbon emissions: they should be divided by four by 2050! However, housing in France is alone responsible for 22% of total emissions, which explains why new homes are subject to many constraints and standards.

But what about the old? For achieving the objectives of reducing carbon emissions set by the government, to standards for construction will not suffice, it should also renovate existing housing in order to reduce their energy impact on the environment ...

For this, the government proposes a package of incentives, which will probably succeed in convincing many owners undertake renovations.

First, the economic interest loan is the key measure of the government apparatus. It can be obtained if the owner decides:

    * Undertake renovations in heating and must choose two classes for this work among the six options:
          No insulation performance of the entire roof;
          No insulation performance of at least half of the walls to the outside;
          No insulation performance of at least half the windows and door to outside;
          o Installation or replacement of heating or hot water production;
          o Installation of a heating system using renewable energy (wood, for example);
          o Installation of production equipment of hot water using a renewable energy source.
    * Improve the overall energy performance of housing. A minimum level of performance must be referred to get the loan.
    * Undertake work to improve the sanitation of housing.

Then comes the tax credit. Genuine support for sustainable development, it is granted for the acquisition of equipment and materials such as wood heaters, heat pumps air to water, condensing boilers and other equipment, solar thermal and photovoltaic. Materials used for wall insulation and energy performance diagnostics are also within the framework of this measure, the only condition being that buying such equipment is made before December 31, 2012.

Combinable with eco interest loan subject to meeting a limit of resources, these measures will particularly help those who are concerned about sustainable development and planning to take out a mortgage for the former ...

Interest loan doubled last moments to enjoy

2010-02-03 22:59:52

Interest loan doubled last moments to enjoy



After a year of faithful service under the economic stimulus plan agreed by President N.Sarkozy, the time of doubled interest loan seems to be about to end: if the Finance Act 2010 extended the device in the state until June 30, 2010, we must know that from 1 July 2010, the surcharge will be reduced to 50% of the base amount. The PTZ can therefore more than € 48,750, while doubling as a reminder of PTZ for buyers of new homes is limited to date to € 65,100.

Do not worry, you still have until June 30, 2010 to subscribe to free loans doubled in the manner detailed below.

The zero-interest loan with a double in the ninth

1 - Maximum income to qualify for the device

There is no change in conditions of maximum income to qualify for the PTZ. The previously known conditions still apply.

Ceilings of Revenue Tax Reference

Sleeps

Zone A

Zones B or C

1

€ 31,250

€ 23,688

2

€ 43,750

€ 31,588

3

€ 50,000

€ 36,538

4

€ 56,875

€ 40,488

5 +

€ 64,875

€ 44,425

2 - Amount of credit to zero

The amount of credit granted is determined by the smallest of the following two thresholds:

    * For Accommodation Used:
          No 30% of transaction amount (increased to 40% in urban areas in sensitive urban zones)
          o 100% of other loans (over 2 years) funding the same operation.
    * For a Former Housing (no change from the previous device)
          o 20% of transaction amount (increased to 30% in urban areas or in sensitive urban zones),
          o 50% of other loans (over 2 years) funding the same operation.

The transaction amount accepted is itself capped by the number of people, geographic area, and length of the housing. At the former, there is no change. At the Nine, the amounts were increased by 33% in Area A, Area B 50% and 25% in Area C.

Maximum amount withheld for the operation

Number
people

New housing

Former Housing

Zone A

Zone B

Zone C

Zone A

Zone B

Zone C

1

€ 107,000

€ 88,000

€ 69,000

€ 72,000

€ 44,000

€ 41,250

2

€ 150,000

€ 126,500

€ 103,000

€ 101,250

€ 66,000

€ 61,875

3

€ 167,000

€ 143,000

€ 119,000

€ 112,500

€ 76,000

€ 71,250

4

€ 183,500

€ 159,000

€ 134,500

€ 123,750

€ 86,000

€ 80,625

5

€ 200,500

€ 175,500

€ 150,000

€ 135,000

€ 96,000

€ 90,000

6 or more

€ 217,000

€ 191,500

€ 165,500

€ 146,250

€ 106,000

€ 99,375

3 - terms of repayments

Refunds are always defined in terms of income. For the former, the following table is valid:

Terms of repayment to income (Former Housing)

Income

Deferred Share

Time Period 1
(Delayed total or partial refund)

Time period 2
(Repayment of the balance)

Less than € 15,801

100%

18

4 years

From € 15,801 to € 19,750

75%

18

3 years

From € 19,751 to € 23,688

50%

15

2 years

From € 23,689 to € 31,588

-

-

8 years

Over € 31,588

-

-

6 years

In contrast, longer repayment periods have been defined for the acquisition of New Construction in Zone A:

Terms of repayment to income (New Construction in Zone A)

Income

Deferred Share

Time Period 1
(Delayed total or partial refund)

Time period 2
(Repayment of the balance)

Less than € 23 689

100%

18

8 years

From € 23,689 to € 43,750

50%

15

4 years

Over € 43,751

-

-

12

Thus in Zone B or C:

Terms of repayment to income (New Construction in Zone B or C)

Income

Deferred Share

Time Period 1
(Delayed total or partial refund)

Time period 2
(Repayment of the balance)

Less than € 15,801

100%

18

8 years

From € 15,801 to € 19,750

75%

18

6 years

From € 19,751 to € 23,688

50%

15

4 years

From € 23,689 to € 31,588

-

-

12

Over € 31,588

-

-

9 years

4 - Increase the amount of the loan rate to zero

The zero-interest loan may qualify for a bonus:

    * 50% in sensitive urban zones (ZUS) and in urban zones (ZFU) referred to in Article 42 of Law No. 95-115 of 4 February 1995 guidelines for the management and development of territory.
    * Operations for social home ownership of a new home or assisted by several local authorities or by a group of local authorities on the location of housing. This provision was introduced by the Law on National Commitment to Housing (ENL).
    * As of 1 December 2009 for the construction or acquisition of new properties or the future state of completion, to BBC standards in 2005.

View the details of the loan increases to zero.

In all three cases, the repayment periods are furnished (only nine) compared to the standard situation.

Area A:

Refund (New Construction with increase ENL, ZFU / ZUS or BBC) in Zone A

Income

Deferred Share

Time Period 1
(Delayed total or partial refund)

Time period 2
(Repayment of the balance)

Less than € 23,689

100%

18

12

From € 23,689 to € 43,750

50%

15

6 years

Over € 43,751

-

-

16

And in Zone B or C:

Refund (New Construction with increase ENL, ZFU / ZUS or BBC) in Zone B or C

Income

Deferred Share

Time Period 1
(Delayed total or partial refund)

Time period 2
(Repayment of the balance)

Less than € 15,801

100%

18

12

From € 15,801 to € 19,750

75%

18

Invest with the law Scellier

2010-01-25 13:40:31

Invest with the law Scellier

Law No. 2008-1443 Supplementary Budget of December 30, 2008 introduced a new device for rental investment called Scellier law, "the name of the MP who tabled the amendment by the amending finance law for 2008. As devices and Robien Borloo, it aims to boost rental investment by offering special tax incentives attractive.

WARNING: devices Scellier, Borloo and Robien not be combined between them.

Investing in new before the end of 2012:

The law regards Scellier units completed and those acquired in the future state of completion (VEFA) between 1 January 2009 and December 31, 2012. Are also concerned that the homes built where the taxpayer who has been undergoing rehabilitation for housing of acquiring technical performance close to that of new housing.

The accommodation must comply with current thermal regulations. The taxpayer must demonstrate compliance with this requirement as defined by decree.

The properties must also be located in this geographic area:

Zone-A (Paris, and many municipalities in the Ile-de-France)
B1-area (cities of over 250,000 inhabitants and some municipalities considered expensive)
B2-area (cities of 50,000 or more inhabitants, coastal and border)

Tax reductions:

Investing in a home Scellier can benefit from a tax reduction of 25% for homes purchased in 2009 and 2010, 20% for dwellings built or acquired in 2011 and 2012.
The deduction is spread over nine years with the possibility of adding 2% reduction per year between the tenth and the fifteenth year (provided you meet the conditions of Borloo).

The tax reduction can thus be increased to 37% of the investment for a lease in 15 years.

If the amount of tax is less than the amount of tax reduction, the balance is carried over the amount of tax the next six years. It is possible to make an investment Scellier year.
At the end of nine years, under the "classic Scellier" lessor may, by engaging with the tax office by 3 years (up to 6 additional years) to continue the lease of an apartment but receive additional tax cuts.

Investment Ceiling:

In all cases, the tax cut spread is capped at € 300,000 and limited to one unit per year.Investors can thus make up 8333 euros in tax savings for 9 years.

However, it is possible to combine the direct acquisition of a dwelling with Scellier subscription Estate Investment Trusts (REITs) stamped Scellier to reach the threshold of 300 000.

Ceiling rents:

To obtain the tax reduction you must commit to rent your property for nine years to use as a main residence. Your accommodation must find a buyer within twelve months of the completion of the building or acquisition, whichever is later.
The tenant may not belong to the same household as the tax owner.

Rents must also exceed the official limits. In lower-rent through the device "Scellier office, the investor benefits from an additional tax reduction equal to 2% of the cost of housing. Or 37% over 15 years. Example? You buy an apartment worth 200,000 euros to rent it as part of the device Scellier office. In fifteen years, the tax cut is 74 or 5 000 555.55 euros for the first nine years and 4000 euros the following six.

Deficit land:

If expenses exceed rental income, the deficit property is deductible from total income and is therefore reducing the amount of taxable income limit for 10700 euros a year.

Conclusion

It is therefore strongly advised to invest in a sector where demand for rental property is important and not be too greedy on the rent. Your tax benefit will be jeopardized if you do not find a buyer.Be careful in the choice of location. Prefer a home in downtown or near the periphery, well served with shops and schools / universities nearby. Before you commit, go there to know the local market: is there already abundant new supply? What are the prices to buy? What are the needs of prospective tenants of the area: studios for 3 students or family rooms? What are the rents?

For an investment in peace, think of the extended coverage, offered by professionals: loss on resale, vacancy risk, unpaid rent, damage, legal problems

PRESS RELEASE DOPIMMO:

2009-10-21 03:02:01

PRESS RELEASE DOPIMMO:
Real estate sale between individuals: the crisis in favor of real estate between individuals
On October 21, 2009
Keywords: market, housing market, falling, falling real estate market declining real estate, houses, apartments, classifieds, savings, real estate classifieds, between individuals, between private property, sales, sale between individuals
The housing market is down sharply, sales between private houses and apartments is increasing.
The classifieds site DOPIMMO lets you get great discounts.

Selling directly between individuals, this option is attractive to more vendors by the mere fact that the market is in full reversal. This trend leans towards the site of real estate between individuals which includes the classifieds site Dopimmo.com.
Faced with a downward trend, the commission related to the sale of a house is too high even after bargaining.
The site allows sellers Dopimmo.com thanks to its attractive platform to realize real savings on the sale of their property.
These savings amounted to several thousand euros for each vendor wishing to deal directly with the owners through the Internet portal Dopimmo.com
Evolving in a sluggish economy, slowing housing market very clear pushes sellers to revise their prices very logically down.
Therefore avoid agency commission, allows any vendor can afford to maintain a comfortable margin on the sale of a property.
Provide the opportunity to sell without an intermediary, and avoid excessive fees, give it a new vision to real estate while facilitating the transaction.
The seller opens up new doors and new opportunities offered.
While equipping the seller to facilitate transactions between individuals is goal number one site for small ads dopimmo.com.
Soon, important news will be added to the Internet portal, to provide an increasingly efficient service. More than just a medium, the site is close to the users, and listening to their needs.The aim is that they can sell or rent their own property by making real savings and as soon as possible.

Agency Media Relations Dopimmo

2009-10-21 02:58:21

Opening Dopimmo

Dopimmo announces the opening of the press relations agency Dopimmo.

Dopimmo comment on this opening:

This open press relations agency on the Internet is an opportunity particularly appreciated.Indeed, with Dopimmo we have an independent and free to communicate on the Internet.

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2009-10-13 22:47:00

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2009-09-28 00:16:23

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