Tax on new insurance loan contracts:
Questioning the interest of the Rokins and Mahon laws?
The interest of devices Rokins and Mahon is it questioned? A loan insurance tax, a special tax on borrower insurance agreements, must soon apply to all the premiums paid by policyholders in the case of mortgages, and no longer to a small part of them. Action Logement thus provides
Law Seapos II new measure that could save you thousands of euros
Realizing a loan insurance change after taking out a home loan can save you up to more than 10,000 euros, depending on your profile. A measure of the law “Seapos II”, adopted Tuesday, November 8, now offers you the opportunity to play the competition to replace your insurance borrower, even
Banker and insurer: how do you know who you have to do to negotiate your loan and your insurance borrower?
You plan to meet your banker and perhaps an insurer to buy a mortgage and then guarantee it with a borrower insurance. So, here are some indications that may be useful to you in order to decipher the behavior of the person who is in front of you and manage to arrange with you well. So,
Solution to make money on your loan insurance
Depending on the type of loan insurance contract you buy, there are several ways to lower your insurance costs and can save you money. The formula allowing you the biggest savings by carrying out a operation of repurchase of credit, or a repayment by anticipation, is the contribution on
Health Law 2015: good progress but also failures
On December 17, 2015, the Health Bill was adopted by the National Assembly. Called “Bill to modernize our health system”, this text presents a certain complexity as well as a real ambition. It aims to organize and improve the health system for the decade to
There is no dependence between credit and the pledge of a life insurance
Credit and life insurance A borrower decided to open a bank account in an institution while signing a current account system pact attached to a budget instrument account. He subsequently adopted a life insurance policy with an organization and made a first payment from this account. The banking establishment
Top 7 reforms of 1 October 2015
Further reforms came into effect on 1 October 2015. An overview of the main provisions: TOP 7 reforms of 1 October. Standardized information sheet (ISP) loan insurance Prior information of borrowers Information on bank charges Compulsory insurance of real estate professionals Financial guarantee of travel agencies Thresholds of the
Borrower wins court of appeal
A borrower who complained about his bank’s refusal of his request for termination of loan insurance was successful in the court of appeal. This complainant decided to appeal after losing in the trial court. Application for termination of loan insurance to
How is the Mahon Loan Insurance Law challenged?
Some banks, says the AEC (Association Borrower Insurance Citizen), do not allow real estate borrowers to change their loan insurance. The AEC denounces some banks not to apply the law Mahon entered into force on July 26, 2014 and defend their meadow. Yet this law entitles every real estate borrower to change his
Loan Insurance: Your Rights
The insurance of a mortgage is not a legal obligation, but the banks however require it in a systematic way for a mortgage, especially regarding the cover of risks related to death and disability. The borrower can freely choose the insurance company that will cover it and is therefore not obliged to take out the contract
Where should the borrower insurance be declared?
You have an apartment in Scheleer law managed by a management company and you must declare your credit along with interest as well as loan insurance and management by the company. You may be wondering if you need to complete the document 2044 Specific to Management and you are also asking the question
Credit conso: the rights and duties of the consumer
When he subscribes to a credit, the borrower’s first obligation is to repay his loan. It is therefore important that he is well informed and advised before signing the credit agreement. And the lender must ensure the solvency of the latter. The borrower must provide all the requested items If the institution
Safety: new measures
Interior Minister Bernard Cazeneuve recently unveiled new road safety measures. These should apply before the summer. New provisions: the ban on hands-free kits, parking causing discomfort more penalized, lower blood alcohol levels for young drivers … Hands-free kits and parking On April 4, 2015, Bernard Cazeneuve
Lower taxes for the non-resident owner?
Recently, the Court of Justice of the European Union (CJEU) issued a decision on the payment of taxes. She ruled that all owners of real estate in France did not have to pay all the taxes claimed by the state. It is more specifically a question of the CSG (Generalized Social Contribution) and the