Advantage and inconvenience of real estate credit

Unmarried couples and pacsés know it, indivision in the acquisition of a property is not what is necessarily the most desirable. With statutes validated by the public finance center of the head office on which your Civil Real Estate Company depends and since 2014 by sending documents and statutes to the Registry of the Commercial Court, you can make financial arrangements to buy several without justify a relationship. This system  is an advantageous solution to avoid blockages that may arise from indivision , ensures a transfer of shares with a tax benefit and can also be a great protection against personal creditors as we will see in this article.

  1. Advantages and disadvantages of a real estate loan
  2. XYZ current account to finance the repayment
  3. Transmission of property is a succession benefit

The matrimonial regime and the loan do not have any more relation as well as the principles of the common indivision. It is the XYZ that borrows and it is therefore she who bears the debt first. The natural persons who constitute it stand surety for this debt and the bank will therefore be interested in the indebtedness of each natural person to grant or not the loan.

As a manager of an XYZ and to ensure the success of the operation, you are strongly advised not to bring the XYZ into deficit because the bank does not like this type of situation. This is why, during the financial package, we first of all observe to what extent the rent (s) covers (s) the monthly repayments of the credit contracted.

If your XYZ is subject to the IR (Income Tax), the partners will be able to fill the gap. If the XYZ is subject to the IS (Corporate Tax), a bank will want more balance of accounts and may require a written commitment by the partners for reimbursement.

WCR (working capital requirement) including potential delays in the payment of rent. An XYZ remains a full-fledged company requiring cash requirements for its operation and generating a turnover related to rents that may vary (although elements of economic stability enter the balance of decision, especially for the banker ).

Be careful, even in XYZ a bank can always refuse a credit and is not obliged to warn a borrower of the risks he incurs.

Pay attention to the revisable rates for bank financing real estate . If the variable capital of an XYZ can be interesting to bring new partners, it is not necessarily interesting (especially in 2018) to contract a variable rate loan.

It is then that the partners are insured. As such, and as for any bank loan, there is a borrower insurance and the bank can therefore cover them differently depending on income earned.

The main thing is to ensure a 100% loan, the negotiation of the borrower insurance is always possible in other cases!

The advantage of the transfer of ownership and debts in XYZ

For the rest, this advantage is well known in the field of property transmission that constitutes the XYZ. Ultimately, a real estate company offers a real asset advantage because it can be given partly in the form of a donation of shares in a more flexible way than a classic property that will be in joint ownership.

This procedure over time makes it possible to benefit from the allowances available in French law for donations made during the lifetime of the donor, a clever way of avoiding or reducing the inherently expensive inheritance tax.

It is the shares of XYZ that are transmitted and not the real estate. The same is true of debts.

Get help from a professional in this case, even if you theoretically do not need a notary, the valuation of shares will be more reliable through him, especially to avoid tax disguised donations .

Low Taeg Loans 3 Tips for Getting Online Financing!

Low taeg loans

Low Taeg Loans: Save now, it’s easy!

New options for Low Taeg Loans now available ! That’s right! Thanks to Financemm, your projects will be more profitable thanks to loans in Taeg low.

It presents an important opportunity to exploit if you are looking for liquidity for your projects (moving house, new car, first house). Contact us to access a Low Taeg Loan.

Are you interested in a free consultation without obligation? Fill in the contact form that you find on our site and within a few moments you will be contacted by one of our experts. Our consultants, upon receipt of your request, will contact you to offer you a financing quote with Taeg that is more convenient.

In case you like the proposed solution, then you will agree an appointment, also wanting to your home. The network of our collaborators is present throughout the national territory; so that you live in Milan, Naples, Salerno, Verona, Vicenza, Bologna, Palermo, Rome or Messina, contact us!

Do you have a doubt? Write us a comment. You can do it for free using the space at the bottom of this page. We will soon answer your question.

Now let’s see some in-depth analysis related to this topic.

What is Taeg and what does it include?

What is Taeg and what does it include?

Here is the explanation of what is the Taeg. This is the global annual percentage rate also known as ISC (synthetic cost index). Expresses as a percentage all costs related to a loan, loan or loan.

The taeg includes everything that constitutes the calculation of the interest applied to a loan then the tan (cost of money), the costs of preliminary investigation, the stamps, any commissions applied to the distribution network, insurance costs (if a policy is provided), installment costs.

Once you know this, you can determine the convenience of a loan. It is important to highlight that every quarter Banca Italia publishes the new thresholds on the maximum applicable interest rates. Every loan, loan or mortgage contract must not exceed these thresholds, otherwise the contract will be null and void.

Low Taeg Loans Why choose Financemm?

Low Taeg Loans Why choose Financemm?

You will have asked yourself why choose us? The answer lies in 15 years of experience in the field of credit mediation! Experience that has allowed us to meet the needs of our customers, with different loan solutions, throughout the national territory.

If you ask us for a quote, you can save money twice: you could access one of the lowest loans with a lower taeg.

That’s right! For the first 100 customers who send us the contact request, we have the best loan taeg available ! This is a limited offer!

Lower taeg financing How to do?

Lower taeg financing How to do?

To save money by getting a Low Taeg Loan you only need a few clicks from the comfort of your home!

Exactly. Click on the quotation and the page will open to formalize the request: enter your data (will be treated in the maximum respect of the law on privacy) that will serve to propose the loan solution that best suits your characteristics.

Within a few minutes of sending the request one of our experts will contact you by phone and will point out in a completely free way the directions with which you can benefit from this advantageous financing.

Important Notice! The request is totally free and without obligation: it will not involve any expense but above all makes you free from any commitment. Credit data will not be reported to banks as Crif.

Low rate loans, who can request them?

Do you have the appropriate features that allow you to apply for the loan? Let’s see it now!

In addition to the value of the installment, the total cost of the entire loan (including the necessary expenses) must also be assessed to find your Taeg Low Loans. Only considering the Taeg is it possible to understand the convenience of our Low Taeg Loan.

It is important to verify that the rate proposed by the lending institution is not only a rate provided only for the first installments but is a valid Taeg for the duration of the loan. This is called a full rate.

The Loans solution in Taeg Basso includes the sum of the initial rate together with the necessary expenses. Check all this by asking us for a free quote without obligation.

Not only! The rate proposed by Financemm is placed at the best conditions on the market and you can choose the loan installment to be repaid and its duration.

Other advantages! By choosing Financemm you will have guaranteed insurance cover in case of death or loss of employment in an involuntary manner.

If you want to pay off the Taeg Low Loans you can also do it in a period of 24, 36, 48, 60, 72, 84, 96, 108 and finally 120 months. The installment already includes all expenses and in any case can never exceed one fifth of your salary, can only be minor.

With regard to the provision of low rate loans can be made by bank transfer or, if not in possession, by check. All this is allowed by the transfer of the fifth, which also allows you to renegotiate the loan early, thus recovering all the interests that have not been accrued. The assignment of the fifth can be requested by employees with permanent contracts and pensioners.

For more information on the sale of the fifth lowest taeg on the market proposed by Financemm visit the page dedicated to the sale of the fifth.

How to calculate the taeg?

The Taeg calculation system is based on a very precise formula. If you are wondering how to calculate the loan taeg, here you will find the possibility to download, for free, an excel file. By entering the data in the file, the computer will automatically give you an example by which you can check the annual percentage rate applied to your financing.