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Calculate your mortgage budget

What are your recipes?
Before seeking a loan you need to know how much you have to pay on time. So you will initially list of recipes :
- Make a list of your regular income (wages, investment income, pension) without considering the hypothetical income such as bonuses, overtime
- do not include family benefits that are not eternal.

expenses to deduct from your income.
Once your recipes are counting you will now deduct your expenses in progress and future expenses related to the purchase of your home:
- subtract all your debts and credits that you're already committed (car, household appliances)
- list the expenses associated with the purchase of your property (transfer taxes, notary fees, mortgage possible, various fees when you buy a house)
- remember to account for expenditures related to change of address (moving, Insurance new housing, work, subscriptions to different networks)
- do not forget the expenses incident to the status of owner (residence tax is added as the payment of taxes which represents a heavy load)
- do not forget the cost of maintaining or repairing your home or if it is a flat, expenses condominium materialized through fundraising ... By comparing quarterly expenditure and revenue, you can establish a capital budget and a cash budget.

Limit your debt ratio
Given all these parameters, calculate how much you can spend each month to repay your loan. What bankers call the effort rate. The ideal is not to exceed 25 to 30% of your resources to be sure you can meet your monthly payments. Do not over spray on the progress of your purchasing power, given difficult to control, and above all, do not give some bankers who sometimes agree to pay beyond the repayment capacity. You may have for the difficult months!

A long-term
hard to escape the credit to finance a property purchase. No panic, banks loans concoct "custom" fit your profile.
Borrowing for housing is going into debt over a long period. On 12, 15 or 20 years, the loan interest represent a substantial sum which is added to the amount loaned. Hence the importance of getting a good rate and review the best "fitting" of your various loans (principal and supplementary).

A rate varies depending on your financial situation
To get the best rate, the golden rule is to have a "profile economically correct" and show you more than ant grasshopper. Thus, some savings in a savings plan or a book or a few securities reassure your banker. In contrast, a chronic discovered the wrong impression. The state of your bank account depends on the rate you willing your banker for example, for a rate ranging between 4.6 in a facility O% and 5.95%, the range is assigned the highest the borrower as "risky" than the average range that has a low savings rate and the best one that has a comfortable personal contribution. Nothing prevents you to shop around for banks to compete.
In this case, not compare the rates posted by institutions, but the percentage rate (APR) includes, in addition to interest on the loan, filing fees, the amount of death and disability insurance, disability.

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variable rate or fixed rate?

long, variable rates have been shunned, being afraid if the credit rate were to rise. Today, this risk is limited, most variable rates are accompanied by bumpers. But fixed rates also have their strengths. In the long term, we must compare.

FIXED RATE
Its greatest merit is its simplicity and readability.
Its rate depends on the level of interest rates in the long term, generally the 10-year OAT (5.36%) on which banks are refinanced. The rise, decline or stability of these long-term rates affect fixed rate.

A rate based on your banking situation
Currently, fixed rates vary between 4.60% and 6.40% (excluding fees and insurance). Obviously, the "good" client will grant the best rate, substantially the same as that of a floating rate loan.
If your profile is more risky, you will be afflicted with the highest rates and reduced borrowing capacity. Orient yourself then to a floating rate loan.

Advantages and disadvantages of the fixed rate
The fixed rate is the readability of repayments for the duration of the loan. The rate, duration and amount of each monthly payment is constant. No surprise
possible, not even benefit from a better rate if the bank operates in a climate more favorable.

The monthly rate progressive: a prorated refund to your changing income
But if you expect a positive evolution of your income, you can take a fixed rate loan and monthly progressives.
rate does not move during the duration of the loan, but monthly payments are under increasing fixed in advance: every 5 years, for example, the monthly payment can increase by 3%.
Thus, timing of first monthly payments are lighter and last longer heavy, based on the evolution of your career. But while the challenge is there.

The floating rate on the rise

The floating rate loan is in France for 10 years. During this decade, banks have used their expertise to invent new formulas can capture the interest of purchasers.
They seem to have succeeded because, nowadays, the variable rate on the rise.
Especially as many safety interlocks prevent rates soar if it were to go back. And that rate is lower by about 1 percentage point than the fixed rate.

A multiplicity of rates
There are many different formulas, based on indices or baskets of multiple indices. Some clues are known in banking parlance "volatile" in that they can change drastically: the case of EURIBOR (European Interbank Offered Rate), published by the Bank of France. Others are more or less sensitive to movements in the money market while also reflecting the underlying trends such as the rate of the Livret A or bond rate.

Four families of variable rate loan are available:
- The loan "capped" when the rate ceiling
is fixed from the outset to limit the rise. It can decrease depending on the index, but not at any time.
- The loan "double cap":
where changes are propagated upward or downward by about 3 points.
- A loan where the monthly payments remain fixed
but where the duration can be lengthened or shortened.
- A loan where, if lower, the duration is shortened and in case of increase, plus the monthly
can not increase by more than 80% of the INSEE.

The floating rate loan into a fixed rate can go at any time, or when the anniversary date of the loan. This passage is irrevocable.

(sources Paruvendu.fr)

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The virtues of imprecation




















" But if our companies have acquired over the last twenty years thick and strong muscles, so their production capacity has increased tremendously, their brains, they have remained small. [...] Now is the time to talk, talk, live, the term risk, relatively happy and relaxed at the workplace .

Could this be the firm Technologia expressed well on the situation of France Telecom, and then a self-proclaimed expert about the famous life balance-professional life?
Not at all, it is an extract of imprecatory , Prix Femina 1974, written by René-Victor Pilhes, former advertising (which does not lack charm back, reading the book).
imprecation, a novel of 350 pages that swallows greedily around the following thesis: the race for profits among large enterprises led to debase human values the rank of door stop.

Full of humor and verve, Pilhes invites us to discover Rosserys & Mitchell, a large international company, which boasts among others to blow the presidents in South America (Chile, for example ... ) or to influence oil prices.
A real big business where introspection and questioning are not the qualities expected of super management.

A world-righteous certitude which tackles a mysterious curse, by distributing pamphlets in the satirical small staff. The

preface of the Chinese edition of this book and the imprecation: "So imprecation tells the story of a strange battle between forces unknown, mysterious, irrational, occult, and what the Western world a better, more modern, more exemplary in this end of the century, and it presents itself: its technology organizations, financers, administrative, economic, which unfold around the world. In the hierarchy of values and examples, the "managers", the leaders of the "war Global Economic replaced the teachers, priests, artists, soldiers, philosophers, the servants of the state. "

short, to discover a book and read it again. And for lovers, a film (super galley to find ...) was fired from the book, directed by Jean Louis Bertucelli, starring Jean Yanne, Michel Piccoli Jean-Pierre Marielle, Marlène Jobert, Jean-Claude Brialy ...