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The Credit Works, What Is It?

The cost of work in a home has constantly grown over time, like the price of real estate. Today, it represents a heavy expense for anyone wanting to embark on a renovation, expansion or energy improvement of its premises. A critique at businesscardsland.com

The use of the loan has thus become an accessible, simple, fast and flexible response, particularly with the work credit. This credit is provided on demand by banks, financial institutions, brokers or aid structures. You can get from them up to 75000 € for a maturity of more than 10 years. The rate applied to this loan is generally higher than that of other credits. However, this loan has many other benefits that result from its characteristics, these conditions of granting, tax credits they provide and its terms.

The credit works, what is it?

The credit works, what is it?

The work credit is allocated to financing the expansion, renovation, thermal insulation of a house or the adaptation of housing to the disabled. It affects all types of constructions or works depending on an existing property. If you are looking for a loan to build a veranda, kitchen, bathroom or make some embellishments or decorations, you can validly apply for a credit works. However, it is important to learn, because some loans exclude so-called outdoor work such as the fence, terrace and anything that is not directly associated with housing.

The credit works can be a credit assigned to shares agreed in advance with your creditor. You must produce proofs detailing the project to be carried out and the unblocked loan will be used to pay the cost of the work.
The loan works can be a personal credit and in this case, you must only meet the conditions of resources, records and solvency to quickly benefit.

For unrestricted credits, the amounts allocated range from € 1,000 to € 75,000 with a repayment period ranging from 12 to 180 months. It should be noted that the features may change depending on the lender.

 

What types of work loans and works are funded?

What types of work loans and works are funded?

We can distinguish work credits according to the lender. So we have:

  • bank loans in which one counts the housing savings loan associated with a savings, the personal loan works without justification of use, the loan with zero rate (PTZ) related to the interventions of saving energy of the building.
  • loans provided by aid structures such as eco-loan work (intended for the ecological renovation of buildings), housing renovation loan, the social accession credit for first-time buyers and the loan of the agency National Housing (Anah).

Expenditures that can be financed by these credits can be classified in 3 categories. Adaptation-related expenses to improve access to the premises described in Schedules 1, 2 and 3 of the Order of September 30, 1987, maintenance expenses and expenses for the beautification of housing. Among the accessibility and adaptation works, we have:

  • priority work on the building, motivated by considerations of safety, security, etc.
  • work on minimum standards of habitability, decorative work and those aimed at improving daily life in the building
  • works to allow the habitability and access of people with reduced mobility. They give right to an exemption on the intermediate rental ceilings (PLI).
  • energy efficiency of housing (improvement of heating, thermal insulation, installation of solar panels …).

Maintenance expenses are used to maintain the facilities (electrical, sanitary, gas …) and housing (ceiling, floor …) in good condition so as to keep its original consistency and equipment in good condition.
In addition, some light home improvements can benefit from Anah subsidies. They are in the field of safety, health, energy performance and personal autonomy.

 

Terms

Terms

The work credit is issued to natural persons who are the owners and occupiers, lessor or tenant of a dwelling. These persons must not have at the time of the application a file with the commission of overindebtedness of the Bank of France. An application can be made between two with a borrower and his co-borrowing.
Most loans are intended for main residences with often, the obligation for the beneficiaries to occupy the premises a minimum number of months per year from the end of the work. But there are credits for second homes under certain conditions. In all cases, housing must be located on the French territory (metropolis or other sea areas).

To obtain a work credit, you must demonstrate your ability to repay it in the terms of your commitments. A borrower on a permanent contract or with rental income and any other regular income will have a priori more credibility with a bank. An up-to-date borrower can accumulate a work loan with other loans and grants such as the eco-loan at a rate of 0, the development loan; only, its borrowing maximum will be reduced by the principal due, which remains of its first loan.

 

The rate, cost and reimbursement of a work loan

The rate, cost and reimbursement of a work loan

You can estimate beforehand the cost of a desired work credit. The actual cost of the credit to be repaid is the difference between the required capital and the additional costs that include the nominal credit rate, the loan file fees and the insurance taken out. Of these elements, depends the level of the annual percentage rate of charge (APR) given by each lender.
The repayments are made in monthly installments composed of a share of capital and the other part of the cost of credit. In some cases, one may pledge to pay the amount of the capital at the end of the term of the credit while continuing to reimburse each month the costs related to the APR. It is also possible to arrange your payments according to the evolution of your financial health. But in the event of termination of the occupation of the premises as principal residence as previously agreed, the creditor may require the outstanding capital to accompany or no penalty.

Rental investment: does loan insurance cover unpaid rents?

You want to invest in real estate but the fear of unpaid rent makes you doubt? It is possible to protect yourself through supplementary insurance. Not to be confused with mortgage loan insurance, which does not cover the same risks…

Loan Insurance: Definition

Loan Insurance: Definition

Even if it is not mandatory when subscribing to a mortgage, borrower insurance is always required by lending institutions. In the context of a rental investment, loan insurance includes a series of guarantees whose objective is to protect the insured and the bank. In most borrower insurance contracts, the following guarantees are present:

  • the death guarantee, which, in the event of the death of the borrower, leads the insurer to replace the deceased to repay the remaining monthly installments in place of the heirs;
  • invalidity and incapacity benefits, which when the insured person reports a health problem or illness preventing him or her from practicing his profession and collecting income, leads the insurer to assume the reimbursement of monthly payments during the waiting period;
  • the job loss guarantee, which provides financial assistance to the insured who is unemployed.

Unpaid rent and borrower insurance

Unpaid rent and borrower insurance

In the context of a rental investment, unpaid rents represent the biggest fear of investors. Among the guarantees offered in the loan insurance, the guarantee against unpaid rent is not included. To deal with unpaid rents, investors must therefore take out additional insurance.

Guarantee against unpaid rent

Guarantee against unpaid rent

Concerned that the risk of unpaid rent is a brake on rental investment, banks and insurance companies have put in place specific home insurance policies offering the possibility of taking out a supplementary guarantee called rental guarantee insurance. This insurance is for homeowners who rent their home allows to collect from the insurer financial compensation when a tenant does not pay its rents. The price of this insurance varies depending on the insurance company. It generally fluctuates on average between 3% and 4% of the amount of annual rents, including charges.

6 ways to verify money borrowers

ID card

ID card

Verification can be carried out using an ID card. Simply enter the required details from your ID document, entering them in the appropriate boxes for the payday application. Usually these are first name, last name, PESEL number, document number and series, or date of birth. Because of concern for the security of personal information, it is worth providing only necessary information about us. People do not realize that using an untrusted internet connection or setting a password that is too weak can really hurt themselves. Sometimes you may be required to send a copy of your ID card. This situation usually occurs when there are various types of ambiguities that should be explained as soon as possible. It can be, for example, an attempt to conclude a loan agreement for a stolen document, i.e. simply signing the agreement using the data of another person. Unfortunately, such situations still happen.

Bank transfer

Bank transfer

The second way to verify borrowers is by bank transfer. It should be made from a personal bank account – a transfer from the account of a wife, brother or friend is not acceptable. Why? The bank wants to verify the customer’s personal data, so it needs a transfer from the account of the person applying for the money. The transfer is small, therefore it does not affect the home funds in any way. Usually its amount is 0.01 grosz or 1 zloty. A customer who has a bank account in the same institution as the lender can count on express consideration of the application. It is different in other cases, where you will have to wait until the next business day. This is not a long period compared to waiting for a response in the bank, but sometimes hours count for us. We would like to get the money as soon as possible, but verification cannot be skipped. You have to follow the established rules, otherwise you will lose the chance for money.

instantor

instantor

Increasingly, we have the choice to verify using Instantor services. It’s a great way to verify Poles who choose to borrow from non-bank companies to support their budget, which just needs help. Instantor not only verifies the data, but also estimates the borrower’s creditworthiness. The lender finds out if the customer has the option of paying the debts on time. The customer does not have to agree to the use of the Instantor service, but then he will be obliged to make the transfer. The choice is up to the individual, but you should know that Instantor is a fully automated service that significantly reduces the time you need to spend waiting for your decision. You should not be afraid of entering your data because special encryption technologies are used that prevent them from being intercepted by third parties.

Call

Call

While filling out the application, you will definitely notice that you need to provide your mobile number. The lender can use it as another popular verification method. When to expect a phone? Unfortunately, this is never completely known. This can occur immediately after submitting the completed form, or maybe only after a few hours. It all depends on how many customers are applying for a loan at any given time. Of course, it’s best for a loan company to get in touch as soon as possible, otherwise it can be negatively assessed. Her position in rankings, such as the porfel ranking, will fall quickly. During verification by mobile phone, the lender usually asks again about the basic personal data to confirm the information entered in the application, and if necessary asks for other details that interest him.

Registers of debtors

Registers of debtors

Registers of debtors are another way to check potential borrowers. Anyone who has had a problem with the loan repayment on time, or has not been able to pay it back, may have some concerns. Loan companies, like banks, do not want to cooperate with people who cannot be trusted in terms of payments. Registers of debtors provide reliable information so that the lender can immediately decide whether he intends to grant a loan to a person or not. The most frequently used databases include BIK, ERIF and KRD. Even if the loan company advertises its loans as “loans without bases”, it certainly checks clients in one of the other registers.

Proof of income

Proof of income

An income certificate is not required by every non-banking company. However, if it turned out that the selected lender requires proof of earnings, you must either send him or show him as soon as possible. The more information the customer receives about the customer, the easier it will be to assess what loan it can give him so as not to significantly affect his budget when he has to pay it back.

Customer verification is a must that loan companies cannot opt ​​out of. Otherwise, they would never be sure whether the client would be able to return the commitment or not. It is also a way to confirm the data of a person who is seeking financial support – thanks to this the company can be sure that the loan was not taken out of the stolen ID card.