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.
0 comments:
Post a Comment