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 • The rents
Assistance to the approval of tenants
Information on the evolution legal and judicial, In addition to the takeover of unpaid rent, the basic contract includes the compensation of notice legal, allowances of occupation and the costs of procedure and recovery without limitation in amount, three months of rents after the date of expulsion.
A management flexibility is left to administrators of Goods, as well as regards the declaration of claims, that in terms of the negotiating amicably with the tenants.
• The real estate deterioration
The status of places of output produced by ushers is reimbursed according to their tariff
The rate of obsolescence is adjusted positions concerned, Repaying the pecuniary loss consecutive time required for the rehabilitation of places, up to two months of minimum rents
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The property manager in the legal obligation to claim each year, for each batch that guy, the certificate MHR.
When he not getting it, he committed his responsibility if it does not begin a deportation proceedings.
This product, under certain conditions, can overcome this problem and secure the Administrator of Goods
The fear of remains the main brake on the implementation hire. Indeed, no guarantee (bail solidarity, bail or banking Local-Passed) does not permit the certainty being paid in full, particularly when the tenant continues unduly in the scene.
Moreover, once occurred, donors know that the procedures are often expensive, long and uncertain. If the arrears are finally much less common than think, this parameter cannot be totally overlooked.
Indeed, despite rigorous selection, a good payer can become despite the fact the uncertainties of life (unemployment, rupture, disease), a bad payer.
Now, when the lessor covers its deadlines of real estate loan repayment through rents collected, the unpaid rents can be for him source of serious problems.
In order to convince more hesitant and to secure the hire, insurers sell a product specially adapted to the owner-lessor: insurance unpaid rent.
First reserved for managers of goods, it is now accessible to owners who manage their own property. This insurance has of course for primary function the reimbursement of rents due in case of failure of the tenant. But it also covers deterioration real estate and the costs of litigation
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 What housing ?
Have concerned the housing to use housing, to use Joint (mid-housing, mid-professional) or to use exclusively professional and this, that the hire is empty or furnished. In contrast, the seasonal rentals, commercial or as secondary residence are excluded from the guarantee.
What tenants ?
In order to fulfill its obligations optimally, insurer accepts guarantee repayment of that rents for tenants solvent. Generally, the solvency is gained when the amount of total net income of tenant is equal to or higher three times the amount of annual rent and that is owner of a labor contract to indeterminate.
The bond solidarity a third (see box) is optional. The latter is in contrast indispensable in the following cases:
the tenant is owner of a contract to indeterminate but the amount of its total net income is between two and three times the amount of annual rent, the tenant is owner of a contract to fixed or is in trial period, the tenant is a student.
Except in this case, the net resources of tenant must always be at least twice the amount of rent: below, the insurer refuses to implement the guarantee.
A note: When insurance is set up to a tenant already in place, it has not to provide security in the case where there has been no dispute, including any incident of payment, during the months (in general, at least a year) before accession.
Why a loan insurance ?
The insurance of loan (or insurance borrowing, credit insurance) is designed to protect the borrower and his relatives in cases of illness, disability or death. The insurer reimbursing in effect to the financial organization lender (your bank or credit institution) the outstanding principal due in case of death, or the monthly deadlines in cases of illness or disability.
- The insurance of the loan to your bank says Contract Group
The banks or credit propose systematically to their customers an insurance contract. Indeed, it is established on all insured. The contributions and guarantees do not take into account your personal characteristics: age, sex, occupation, duration of the loan...
Far from being always competitive, especially for people aged under 45 years, the underwriting of insurance for your bank is not mandatory. This last cannot either you refuse a credit if you subscribe insurance of individual loan.
- The insurance of individual loan
The insurance of individual loan allows to take into account the characteristics of the and borrowing (Ages, profession, reducing non smoker, the loan amount...). It allows you to significant savings on the total cost of your borrowing and you do get a contract on measure.
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Pour tous renseignements:
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