Want to do business in France? Then, you must have basic knowledge about France situation. Here I will show you the right place to get latest information in France.
The place located at labourseenaction.fr. It provides bourse en ligne (online trading), pret (loan) information and also loi scellier in france. Hope it would be enough to kick start your business.
According to careful research I found the product offered by Mutuionline, called mortgage loan annuity to those over 65 years.
It is nothing but a long-term financing secured by a first mortgage (i.e. no other formalities need to be on the house) on home ownership, reserved for individuals who have reached 65 years of age.
The amount of funding goes from 32.000 to 350,000 Euros, and depends. Age of the applicant and the value of the house given as security: the greater the value of the dwelling and the higher the age, the greater will be the amount that you get with the mortgage loan annuity.
The funding is designed so that it never made any payment: the mortgage loan annuity does not require reimbursement of any kind, in fact, not even for the interest during the life of its holder. Any interest and annual expenses are added annually, and the total debt will be repaid at once by the heirs.
With the loan annuity, you can:
In the case of spouses or partners to finance contestant and will be refunded only after the disappearance of the longest of the two contestant. If the heirs are interested in maintaining ownership of the house will pay back what is due to cover the loan and leave the house by the mortgage, or may sell the home and repay the loan with the proceeds of the sale.
Home ownership remains for his family.
If, during the years the property value continues to increase (as happened in the past), you can still count on a substantial figure of money even after they have repaid the loan. In the event that the debt would go up rather than the value of the house, the amount due by the heirs will not engage in ‘but in no case be higher than the realizable value of the dwelling.
The surprise, compared to the general trend of interest rates, it appears from the Statistical Supplement to the Bulletin of the Bank of Italy. The average rate for loans over ten years turned to February rose to 5.13% from 5.1% on average in January.
The figure contrasts sharply with the other indicators.
The APR rate (including the cost of inquiries, administrative and insurance) is in fact fallen to 4.69% from 4.91% recorded in January. Meanwhile, even the minimum records for interbank rates: Euribor three months, which is indexed to the calculation of loans for the purchase of a house, touches new low of 1, 466%, after that of 1.479% posted last Friday. Euribor week haul from 0.947% to 0.923%. Euribor six months retreats 1, 644% from the previous least 1, 653%.
The tax of 20% on the purchase of furniture, appliances, TV and PC, designed the furnishings of refurbished buildings was confirmed by conversion into law of the Decree Law 5 / 09.
The rebate is a tax deduction equal to 20% gross amount paid by February 7, 2009 to 31 December 2009 for’s purchase of furniture, household energy class not less than A +, televisions and computers.
In order to use the personal income tax rebate, however, the expenditure must be documented and goods purchased must be directed to furnish a house under renovation construction, to reduce to 36%. The property to be furnished must have been the subject of planned maintenance, restoration and rehabilitation attachment of building renovation, which began on 1 July 2008, and for this treatment, the person must use the deduction of 36%. Restructuring must be later than 1 July 2008 and to verify this, it should be considered the starting date of works shown.
You may qualify for the deduction of 36%, irrespective of the category building intervention, even for simple repairs of unsafe equipment, such as, for example, replacement of the gas pipe or repair of a malfunctioning outlet (Circular 6 February 2001, n . 13 Revenue Agency).
The purchase of subsidized goods may be made at any time, but must be paid on 7 February 2009 to 31 December 2009. Payment must be made by bank transfer or check with the same conditions for the deduction on the building renovation.
The maximum expenditure facilitate, on which to calculate 20% of personal income tax deduction is equal to 10 thousand Euros. Thus, the maximum tax reduction is 2 thousand Euros. The total deduction must be spread over five equal annual installments.
