Office 2007 By Telephone

first AG

Agenda:
- discuss the return of the 1st study cycle at Plouzané
- Present the project area to build, investment, revenue, length of loan.
- Define in broad terms the management of SCI in the short term (the self), medium term (< 10 ans / décennale) et à plus long terme.
- Return information about an appointment with the banker and the lawyer
- Round table: on the felt project, requiring clarification,
- Go / No Go,

A plan in October

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CR appointments with banks and PLAB plouz

Here is a summary of the meeting with Fred at CMB Plouzané with JJ and the CMB and Loic Plabennec. SCI Status


- Pay attention to the status of SCI (excluding exit ...),
- determine the cost of the part during and after repayment of loans

Ready "relay"
- If Buying land in March 2008, Big Summer Work 2008, 1 September 2009 Student rent.
What causes the postponement of monthly payments of 18 months and a surcharge of 10 to 13 000 E
- Deferred loan with monthly payments of 2070 gives E 13.5 years.

Featured Project:
- Need 200 kE (70 + 130 KE)
- 6 studios 350 E of the rent monthly income
Let E max of 2100 per month, which should be removed
property tax burden, not rental, ...
- High
hypothesis: 22400 euros in revenue per year,
Low: 70% of rent (remainder used for cargo, the common ...) => 18 keuros rent
Withholding: 21000 Recipe (knowing that we have very little expense)

Plouzané:
- Ready classic 200 000 E 5.3 out of 15 years from 1800 provides monthly E

Plabennec:
- Rate to 5.14% over 14 years + 0 2% if one takes a single life insurance
- Over 13 years, for 200 KE => 1720 euros per month

Deposit / mortgage:
EUR 1200 EUR 1400
the mortgage guarantor GPA with a minimum contribution

- Ski digging:
=> 5 of 40 personal loans KE
Banks do not require collateral for small sums dixit Plouzané.
all depends on the borrower's assets Plabennec dixit. But they will ask for locking on
foresaw such a need to purchase each insurance death

=> 1 loan for the SCI: A
Plabennec: "+ it will be much easier to have a single loan, "
" The bank can not take any guarantee / mortgage. "
" The management will be much more simple (release of substance ...)"


Other considerations (to plouz)
- Do not T3 beside Studios, is this true if the tenants are students?
- Students TURN-OVER significant risk of non-rental.

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CR Notary / Mid October

intake industry is to value the work done by the shareholders.
Cost of "materials" (land + construction): 200 KE
Valuation of work: 75 K euros (Cost of the property for resale - material = 275 KE-200 KE )
At 1000 euros a share, 75 shares will be allocated based on the # of partners
The tax on the company can be more interesting tax

The and joint responsibilities are undefined: If we add 10 Keuros for defects, all partners will be affected in proportion to its stake in SCI

Unable to dissolve the SCI before 10 years => year warranty

need to have at least a manager or 2 (not 5) What
the right to a manager without convening the assembly charge maintenance, borrow ...
Beyond what amount, is he incompetent?
a decision is taken by the majority, double majority, qualified majority

In case of death of a partner, it is possible to modulate the sessions according to the stage of the project (construction, before 10 years after 10 years).
No difference at this level, if the loan is contracted individually or together with associated by SCI. However, it is easier to review the bills if the loan is made SCI

The land will inevitably be used by SCI. The advertised price is tax. If an individual buys a property, VAT is 5.5%, Si is a company, the VAT is 19.6.
+ notary fees of around 2.5%
Either a field of 70 K euros, SCI bought it at 84.7 K euros.
Unstoppable, we can not do anything!

A Note in the articles:
Timeliness, ie commitment of partners to work on time (a one-year delay in the project investment leaden course)
can study how I manage a withdrawal of a partner during construction

A dig with an accountant (or google Almighty): Advantage SCI to spend on the tax to the company. A study based on the income tax paid by shareholders.

A little literature found on the net
http://www.journaldunet.com/management/0609/0609152-creer-sci.shtml
http://www.lavieimmo.com/actualite-immobilier -Questions-readers-Sci_et_impot_sur_les_societes_00000044.html
http://www.actufinance.fr/cgi-bin/forum-de-la-finance/gforum.cgi?do=post_view_printable; post = 149831; guest = & t = is

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contact City University plouzane

Here summary of the telephone conversation with the agency in charge of managing the university campus Plouzané.

2 months of summer are distributed throughout the year. A dwelling is rented from September to June and summer is free
Rates are all inclusive: cleaning for common areas, trash, maintenance, servicing
remains studios arranged throughout the year, given the many Departures (internship ...)
The T2, T3 used for collocation are reserved for long periods. She could not see me move on 2008-2009 +

For rates, + it gets into the storey, + it's expensive. The building has 7 floors
Rates studio
Garden level (6 high) => 393 eruos at garden => 20 m²
=> 16 euros per sq m over 12 months
the 5th to the 7th floor: 415 to 46o euros per month
Expect: 130 to 160 euros ceilings for housing assistance

Collocations: T2, T3
common toilet, 1 bathroom
per person for T3, a shared bath for T2 T2
:
My hypothesis (to be verified on site): 5 (bathroom) + 2 (WC) + 10 (lounge) +16 (2 bedrooms)
=> either about : 33 m² with a minimum tariff of 290 euros (garden level)
=> 14.6 euro per sq m
T3 (with bedroom + large): 340 euros
My hypothesis: 10 (3 bathroom) + 2 ( WC) + 10 (lounge) + 24 (2 bedrooms) => 46 m²
=> 18 euros per m²
Note:
2 times less aid for the housemate: 70 euros maximum possible
Tours are from 9am and à13h00 13h30 to 19h00

My analysis:
=> Try to stay around 250 euros net per student (including aid), either 380 euros All taxes included
=> Collocations seem very popular because the rent is less than the studio.