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To discover supplementary information regarding the aspects of creating managers through employing a DiSC Profile or to locate some other DiSC Personality Profile; simply click on any of the backlinks or merely tour the primary web site location.
Le financement de l'acquisition d'un logement est en general une combinaison de fonds propres et d'un pret hypothecaire (une proportion de 20% de fonds propres pour 80% de fonds etrangers etant assez repandue en Suisse). Les fonds propres peuvent provenir des economies personnelles, d'une aide familiale ou autre (pret Devin Funchess Panthers Jersey , donation) ou aussi d'un mecanisme d'aide à l'acquisition du logement.
Les aides
Il existe plusieurs mecanismes legaux (federaux et cantonaux) d'aide à l'acquisition d'un bien immobilier. Le plus courant releve de la loi federale sur l'encouragement à la propriete du logement au moyen de la prevoyance professionnelle (2e pilier) qui prevoit qu'un assure peut utiliser son avoir de libre passage pour acquerir son logement. Les fonds peuvent etre obtenus par versement anticipe du capital ou par mise en gage de l'avoir de libre passage. Il faut aussi imperativement qu'il s'agisse du logement principal à l'exclusion d'une residence secondaire.
Le pret immobilier (dit hypothecaire)
C'est un pret accorde par une banque ou une assurance et garanti par un bien immobilier.
Il y a deux modes de prets :
Avec amortissement direct : le capital est rembourse regulierement et la part des interets dans le remboursement diminuent à chaque paiement ;
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