Different types of housing The housing-related issues are at the heart of debates in society. Also, the government creates the devices housing assistance households whose incomes are often modest warrant. These devices housing subsidies take various forms:
• Tax aid
Indirectly, the very attractive tax-free devices are implemented for investors who finance new real estate programs and accept in return for rent newly built housing to low-income households at a rent ceiling (Borloo "Popular"). In such devices
promote access to tax income households "normal" to units in large cities and no ceiling rents (Robien Refocused).
Finally, it is possible for individuals to obtain a deduction from taxable income of loan interest due under the financing of the acquisition of a principal residence.
• Aid to restore confidence to the owners
To reassure owners and convince them to put their rental accommodation, insurance has been put in place in case of unpaid rent (rental Risk Guarantee): The Union of Social Economy Housing stands surety for the tenant whose situation warrants ...
• The financial aid
Besides financial aid for home real estate (interest loan ...), others are paid to reduce the burden of rent due monthly by the lessee to the lessor or the weight of your monthly repayment of a mortgage subscribes to the principal residence of the owner.
financial aid is primarily of interest to most individuals. Indeed, in this quest to access more housing, no one is forgotten, tenants and owners may, if they qualify, eligible for financial aid (to) live.
I own: What help?
Aid can claim that the owner can not participate in financing the acquisition of housing, even as principal residence. Also, unlike the zero-interest loans for example, which is a personal contribution, these aids are never taken into account by the banker to investigate the ability of borrowing for a prospective borrower.
These aids are many and to help the owner to meet his monthly repayments:
• Aid from 1% Housing Loan
Secure-Pass lets face temporary financial difficulties (bursting the family unit, not predictable decline in revenues).
is a 0% loan (excluding free) to a maximum of 10 200 €. The advance is granted after a waiting period of 12 months after signing the loan principal, with no grace period.
owner who has fulfilled the maximum 15 years to repay.
• Aid the Caisse d'Allocation Familiale (CAF)
There are two aid: housing allowance which the monthly payment is based on monthly repayments and depends on many criteria (size, number of occupants housing, resources ...) It is revised every year. The amount depends on monthly installments reimbursement.
individual housing allowance only applies to recipients of aid to the acquisition of such loan helped (PAP), loan agreement (PC), social home loan (PAS).
(sources Paruvendu.fr)
0 comments:
Post a Comment