Archives July 2017

Termination of the business loan agreement

Wypowiedzenie umowy kredytowej

The termination of the business loan agreement by the bank usually takes place as a last resort. When can a business loan or business loan agreement be terminated and what are the consequences?

The business loan or business loan agreement is a confirmation of the transaction between the client and the bank or non-bank company. When we pay off our debt without a problem, in this case we are not exposed to the termination of the contract. However, there are situations when it can happen. We can check them first of all in the contract, so you should read its contents in this area before signing.

The termination of a business loan agreement is called a situation when a bank or a business loan company breaks a contract with a client. It also carries a number of different consequences unpleasant to the customer.

Reasons for terminating the business loan agreement:

• failure to settle several subsequent installments on time – each non-banking company and bank have a specific relationship to the arrears, however, most often, however, the contract is terminated after two unpaid installments and no response to requests for payment

• misleading the business loan or credit company – if we lied in the application or presented falsified documents

• significant reduction of creditworthiness – if the client loses the source of income or its financial situation significantly deteriorates, then the bank or a non-bank company may ask him to provide additional collateral, and if this is not possible, he may ultimately terminate the contract

• a large drop in the value of collateral – in the case of mortgage business loans, when the value of a flat significantly decreases, therefore it will cease to present the appropriate value as collateral

• use of money contrary to the purpose – some business loans have a specific purpose, for example those for the construction of a house, when the client uses them contrary to its intended purpose, the bank can terminate the contract

The termination of the business loan or business loan agreement may also appear in other cases depending on the contract.

For example, people who have benefited from government subsidies such as “Rodzina na swoim” and “Mieszkanie dla młodych” can also expose themselves to termination of a business loan if they break the provisions of the contract. This applies, for example, to renting a flat, obtaining ownership or co-ownership of another property.

What are the consequences of terminating a business loan or business loan agreement?

Unfortunately, the consequences of terminating a business loan or business loan agreement are not pleasant. Simply, after terminating the contract, the client must give back the entire business loan or business loan at the indicated time. Most often, it is 30 days or 7 days, in the case of a bankruptcy risk in the case of a company that is a borrower or a borrower.

If we do not have the right amount, a bank or business loan company can transfer the case to the debt collection department. If it is not possible to recover the money in this way, it is most often the case that the bailiff seizes him, because the lender or the lender turns to the court. Therefore, we should look for a way to settle arrears as soon as possible.

How to Find Good Business in Real Estate: Action Plan


Investing in real estate is a good start, but finding good deals in real estate to make your investment profitable is even better. Nowadays any investor, beginner or advanced wants to succeed in real estate on the first try. This is rarely the case. How to find good deals in real estate? What are the action plans to achieve a good deal in real estate?


The rental value of the property


Find good deals in real estate – Rental value

Before you start looking for real estate deals, it is important to define the profile of the target tenant who will occupy this property. The latter will change depending on the type of property. It is obvious that the rental demand for a house will differ from that of a small (T1 – T2), medium (T3 – T4) or large (T5 – T6) property.

Small areas (T1 – T2) are usually addressed to students. To make a successful rental investment in small areas, it is wise to evaluate the rental demand related to it. In the case of small areas whose target is mainly student, it will be sufficient to go to the website of the Ministry of Education to assess the student population in the city where the property is located.

Once the student population is known, its representativeness is evaluated in relation to the overall population of the city. A city like Abilly (37160) does not have the same density of students as a city like Montpellier (34000).

After this stage, it will be necessary to go down on a smaller scale, particularly in the rental sector. A city may have good overall rental potential and the sector retained by the investor is not attractive to the target. The sector will have all the more potential as the universities are close to the property.

These goals should also match your own aspirations. Thus knowing the potential of a property in acquisition project is to really evaluate its attractiveness for the target tenant through certain criteria.

Where to invest and what to do to make your investment in real estate profitable?

Demand for the city and the sector

Demand for the city and the sector


Find good deals in real estate – The demand on the city

This is one of the most important criteria to consider when you are a beginner real estate investor. It is a question of globally targeting the demand in housing of the inhabitants who populate the city according to their sector of activity. Indeed, to know for example the ratio of students to the total number of inhabitants can constitute an indicator for investing in small areas. The higher this ratio, the higher the demand for students in the sector. So an investment in studios and small apartment will be possible to achieve a good deal.

Similarly, doing good business in real estate involves knowledge and control of the environment in which the property is located. Indeed the location of the property is an important criterion because it informs not only on its value but also on its orientation. The proximity of your property with schools, shops and access to all amenities of the neighborhood give value to your home. It is better to have a good near pharmacies, security agents rather than near bars and nightclubs.

In short, it is important to mention at this stage, the blocking points and the advantageous points to a good deal in real estate. These include:

Blocking points to good deals in real estate

  • No security (malfamé neighborhood)
  • Delinquency (hot areas)
  • General nuisance (near and far neighborhood, highway, railroad)
  • Nightclubs (sulfurous reputation)
  • Co-ownership (limited decision-making power)
  • Construction defect (it is a handicap for resale)
  • Bad payers (unscrupulous tenants)
  • Penetrating humidity
  • Xylophage (wood degradation)
  • Industrial, wood or agricultural exploitation

Good points for good deals in real estate

  • Schools
  • garages
  • Convenience stores, Shops
  • Police in the neighborhood (police station, gendarmerie)
  • Fire station
  • Parking, Garages
  • Green spaces

The yield of the real estate

It is a forecast indicator that provides information on the profitability of the investment. On the other hand it allows to gauge the potential of the property to determine if the investment is a good or a bad deal.

Doing good business in real estate: Jobs

Doing good business in real estate: Jobs


Finding good deals in real estate – Jobs

It is essential to invest in housing that does not require enough time and money to renovate. In addition to the physical condition of the good, one must bear in mind its cost. Indeed the property being acquired must have a price well below that of the market. This will provide a margin that will be needed for renovations.

Today, the big trend in profitable real estate concerns the purchase of old properties requiring renovation works. Buying in the new is certainly not the ideal solution. This is an unprofitable approach when you want to make good business. Real estate in the new is expensive, often overvalued and the time required to amortize the inherent costs is long.

Nevertheless we can consider making at the time of purchase some good plans by buying in the new. Indeed, since the duration of detention of the property is long and is often in decades, we can still hope that the prices are blazing a day.

To evaluate the work, it is recommended to resort to professionals of the trade to have a correct encryption. However, for small areas, it is possible to estimate by ladle the works per square meter.

Once the renovations are completed, make sure to equip your property with quality equipment. You will be able to play on the quality to fix a rent in the high range proposed on the market. Tenants who agree to pay more for quality are less likely to have outstanding payments. The quality of the property affects the price offered for renting and determines the type of tenant that may be interested in it.

Doing Good Business in Real Estate: The Bank

Doing Good Business in Real Estate: The Bank

Doing Good Business in Real Estate – Bank Loan

It is desirable to obtain real estate loans from the bank where your current account and savings account are domiciled to finance the purchase of real estate. In case of refusal, you can use other banks. The lever of credit is to use the money from the bank to carry out your real estate transactions rather than using your own money. Indeed it avoids you problems related to unforeseen events and works.

Banks generally agree to grant this loan at 80% of the monthly rent of your minimum rent. If 80% of the rent covers the credit, it is likely to achieve a positive cash flow. The cash flow calculation will be based on the remaining 20%. Taxation is not considered at this stage of the process. Since you did not even take money out of your pocket, it’s a self-financing investment. It is somewhat difficult to find properties that meet this criterion, however it is in this category that are good business in real estate.

Doing good business in real estate: Expenses

Doing good business in real estate: Expenses

It is important to comprehensively assess the charges inherent to the property that is proposed to be acquired. As mentioned in the blocking points, co-ownership limits the decision-making power of the investor. Unplanned condo charges can disrupt forecast cashflow and turn a good deal into a financial hole. These include the works:

  • Pending execution at the time of signing the act of purchase,
  • Voted at the general meeting against the opinion of the investor
  • Overvalued by the real estate agency responsible for the management of the condominium

The property tax, small unexpected work, insurance unpaid rent are all charges to be made to make sure to make good business in real estate.

With respect to taxation, there are:

  • Land revenue (bare rental),
  • BIC (industrial and commercial profits for furnished rental)

You may have recourse to a fixed or real tax system. Calculations are usually done on your income excluding charges (property taxes, condominium fees …). A real estate transaction potentially with negative cash-flow can be made up by playing on the mounting type (SARL, SAS, SCI at the IS, LMNP …). The tax rate then applies to the corporation and not the individual whose marginal tax bracket (TMI) is considered.

The lightning rod of the real estate investor

Doing Good Business in Real Estate – Security

The real estate object of the proposed acquisition presents an interesting value and a return superior to 10%. It will be in this third phase to play the card of security. Real estate investing involves high amounts and the precautionary measure will protect you in case of a hard blow.

The first safe action is to buy the property below market prices. This offers the possibility of reselling it possibly after work immediately or later. The margin resulting from this purchase must cover at least the notary fees (or transfer fees) which generally amount to 8%. It is therefore recommended that the real estate investor buy at least 8% below market prices.

Finally, to effectively identify prices on the market, we can use sites like Leboncoin, Seloger, Logicimmo … that indicate the price per square meter in the area where the property is located.

The more goods you buy and resell, the more dynamic the sector. The property is therefore liquid. This is a factor that secures your investment somewhat. There are also other security factors such as:

  • Employment pools
  • Cultural products (museums, theaters …)
  • Administration
  • Savings at least 1 year of rent


  • Rental value of real estate
  • Return on real estate
  • Lightning rod of the real estate investor


Corporate Relocation: An Opportunity for Evolution and Growth



The life of a company is marked by positive and negative events, including an event like the move. On average, every nine to ten years, a business moves. Several reasons are still behind this voluminous decision: too small premises, unsuitable location, improved working conditions, to work better, to consolidate its activities, to expand its sector of activity …

The company move


The move is above all a major managerial subject, so it is necessary to study its impact on the professional activity of the company. Moreover, the move of a company can not be improvised, as a manager of a company, you have to make sure that everything is in order and everything is implemented. A successful move of your business must be: questioned, surveyed and carefully prepared.

The company move

Steps necessary for a successful move:

Steps necessary for a successful move:

1. Identify your moving needs

Before you pack your belongings and furniture, you must clearly identify the moving needs of your business. The more we assume and become aware of the real motivation of this move, the better we can organize and realize it in the measurement of art.

2. List your expectations

This step helps in the quick selection of the best structures. No matter what your business area is , the search must have keywords to get specific results. For example, if you want to expand your business, you need to choose a new location bigger, more open, less eccentric …. Moreover, in order to avoid certain pitfalls and risks concerning the chosen geographical location, do not hesitate to ask your collaborators and your customers to have their opinion, this can sometimes confirm or cancel the choice made.

3. Inform the employees and consider all the consequences

The human component is as important as the logistics aspect in any business move . So that once the decision is made and assumed, it is important to inform your employees as soon as possible and to communicate around this event within the company to avoid any ambiguities and source of apprehensions and conflicts between the collaborators.

4. Estimate a budget

Estimating a budget is also essential, try to compare several quotes with several movers to choose the best one.

removal formality

5. Check the formalities to be completed

It is imperative to inform you about the necessary formalities in the context of the move:

  • Deposit the lease of your former premises even before 6 months from the departure of the offices;
  • Change addresses, phone lines and subscriptions, etc;
  • Audit the new premises;

These tasks do not have to be done months in advance, it is important to know them to better plan your departure and office layout at your new location.

In summary :

A move can really inspire a dynamism and be a driving force for a company. However, the image of the latter can both enjoy and suffer.

The Little-Known Car Repair Loan

If you are worried about how you will be able to pay the attorney for your personal bankruptcy

You should know that lots of attornies will let you pay all of them over time. An attorney can place you on a payment program, but won’t file your own case until he is compensated in full. Be sure, and ask concerning this before hiring your attorney.

Starting the bed and breakfast resort is not an easy task. It involves analysis on the latest trends about how inns are being run. An expert attitude has to be in place to make sure that the inn would operate efficiently by the would-be providers. The operators of the resort also need to be prepared in managing the documents and documents that will be used for the entire procedure.

Find out everything you can. If you need to apply for bankruptcy, but don’t have the particular funds to hire a lawyer, maybe you are thinking about handling it your self. If you decide to go this way, make sure to are thoroughly educated. People who attempt to file on their own usually make mistakes that ruin their own chances of receiving a discharge. Make sure not to make errors to enable you to avoid that sort of regrettable outcome.

Most of us find it very difficult in order to interact with the credit card companies as if they are ours equates to

We often behave as if they are superiors. This is our mindset bankruptcy laws concern and will not go away in one day. This is the primary reasons why you should employ the services of debt settlement professionals.

The initial step for me was to stop spending bills late. As simple since that sounds, it was not. It was difficult. I was utilized to living off of the money which I should have been using to pay our bills. I wasn’t producing any credit card payments bankruptcy in any way so it was a big modify. Even though it was difficult We made the commitment plus stuck to it.

Last year, the financial recession made many businesses fall on their knees because of sudden financial crises. Businesses fired many employees plus reduced salaries of others. To satisfy the line of supply plus demand, they have to increase the associated with their products and this resulted in pumping. All those people who were terminated have no other resource still left to pay their bills. These people used credit cards for this purpose. This kind of massive blow to the economic climate takes many years to fill the gap. So this type of person now suffering from massive debts and there are many other people who are in this position because of their spending habits.

Any kind of impediments to my bankruptcy? Occasionally you could be faced with impediments for your bankruptcy and you need to take these types of into consideration before moving forward to some final resolution. For example, there could be some orders that stop you from applying for the service for about fifteen years. This usually arises where fraud will be detected.

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Right now let’s see who authorize for this type of bad credit score loan payday. The answer? — Almost everyone. It doesn’t matter if you have financial debt problems, skipped payments, also been bankrupt or susceptible to foreclosure – you can obtain a payday loan at leftbank org. More and more finance companies are usually specializing in this short-term, touch type loan for people with poor credit. This has created a large fierce competition among loan companies trying to “out-do” each other — and this works heavily to your advantage.

So how do you select a toilet that is right for you as well as your family? This is a very good query since most homeowners have not been faced with this selection before. Toilets are made in numerous different sizes, colors plus functions and taking an estimate from the movie Indiana Jones and the last crusade “choose wisely”.

Again, your children will require a desk so that they can perform their homework and revise in peace and quiet, and without muddiness, and so they won’t get distracted.

The CDC continues to suggest necessary precautions like hands washing and covering the mouth area when coughing to prevent the particular spread of the disease. Based on one health official right now there, a cough can send the virus in a 6-foot area, and it can live on areas like shopping carts plus bathroom door handles for approximately two hours. For those who have flu symptoms, call your doctor to find out if you need to be seen.

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