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Moving bonus for private employees and public servants

Conditions for obtaining the moving allowance

You benefit from the moving allowance distributed by the Caisses d’Allocations Familiales (), if you meet the following conditions.

  1. You are expecting your third child (or beyond) and you are entering your third month of pregnancy or you have at least three dependent children and the youngest is under two years old.
  2. You move between the first day after the third month of pregnancy and the two years of the youngest child.
  3. You apply for a moving allowance no later than 6 months after moving into your new home.
  4. You benefit from APL (Personalized Housing Assistance) or ALF (Family Housing Allowance).

How much can I get?

takes into account all the costs incurred, capped at:

  • € 957.60 if you have 3 dependent children
  • 1037, 40 € if you have 4 dependent children
  • + € 79.80 extra from the 5th child

How to fill out an application?

The application for a moving allowance is made to the Family Allowance Fund by completing two documents:

  • Cerfa form no. 11363 which concerns the application itself
  • Cerfa form no. 11423 for a declaration of situation.

You can download the documents either directly on the website or go to the cash register closest to your home.

Justify all expenses incurred

No compensation will be paid without proof. If you have used a mover, you must provide the bill.

This must include the addresses of departure and arrival, the date of transport and the type of payment of the invoice.

If you take care of the transport yourself, you must produce proof of all the expenses incurred (vehicle rental bills, tolls …).

You must also declare any aid received by other bodies (eg employer or state loan for civil servants). These will be deducted from the amount that will be paid by the .

Good to know : it is possible in some cases to obtain an advance on presentation of a quote. Check with your for more information.

What to do in case of refusal

It is possible to dispute the decision of your Caisse provided you do so within two months of notification. After this time, you will have no further recourse. Send your complaint by registered mail with acknowledgment of receipt to your caisse and ask to be submitted to the amicable board of appeal. This one will be in charge to reconsider your request.

The moving allowance for the officials of the National Education

The moving allowance for the officials of the National Education

If your change of assignment results in a change of private residence, you can benefit from a support. To do this Simply send your request to the Academy of the place where you are assigned in the 12 months following the change of residence and

Cumulative conditions

  • You are an official.
  • You move no earlier than 9 months before your transfer.
  • You justify sufficient seniority to the position you leave: 5 years since the last change (reduced to 3 years if this is your first transfer). If your application follows a change of assignment of your spouse who is a public service employee, there is no minimum duration to be respected.
  • You move with your family (spouse and children) as your principal residence.

Amount

The lump sum

It is fixed by decree and totally independent of the real costs incurred. It is intended to cover expenses related to the transport of furniture. Its amount depends on the kilometric distance separating the old and the new housing.

Variable compensation

It is intended to reimburse the transport of persons and is calculated on the basis of the SNCF tariff in second class if you travel by train or on the basis of the kilometric scale of the tax administration if you make the trip by car.

Calculation of the moving allowance

You can not claim any compensation if your transfer is the result of a disciplinary sanction, as well as if you move following a departure on parental leave or on training leave.

The different credits

France is a country where the borrower enjoys strict protection from the public authorities, unlike the Anglo-Saxon countries such as the United States. The crisis of 2008 regarding “Subprimes” came – if need be – remind us. Review of the different credits and their regulations.

What are the different forms of credit in France

What are the different forms of credit in France

There are different classifications of loans. Economists in particular often talk about borrowing in the short, medium and long term. This classification by duration brings no useful light to our senses and we prefer the one which consists in classifying the different loans according to their destination.

The different credits allocated

The loans allocated are those whose destination is perfectly identified at the time of the constitution of the file.

The mortgage

The mortgage is the main credit affected. Its purpose may be only the acquisition of real property, whether it is a dwelling as a principal residence, the purchase of a second home or a rental investment in the home. old or in the context of a tax exemption operation such as the Borloo law.

Consumer loan

Among the various consumer credits, some are said to be affected. This is the case of auto loans. The borrower subscribes for a loan in order to acquire a perfectly identified consumer good as to its use and amount.

Other loans fall within this framework, even if the borrower does not tell the bank what it is for. The protection is identical and all benefit from the Consumer Code.

Permanent credit

This is a special consumer loan. Indeed, the permanent credit allows to benefit from a credit line refundable only in case of use. Highly criticized by consumer associations, it was the subject of enhanced protection during the Lagarde Act on consumer credit.

Business credit

Professional credit is a business loan. It can serve both the individual enterprise, ie the craftsman, the trader or the liberal profession as the SME-SMI. The needs covered by this type of financing are multiple. Indeed, the professional loan can cover both real estate needs such as the purchase of business premises or offices, as well as equipment.

Even if the financial crisis makes access to credit more difficult, companies can also obtain a loan to cover cash requirements.

Our articles on credit

  • How to buy back your mortgage: advice to treat as an equal with the banker
  • The mortgage: all the information to not be wrong.
  • Mortgage life loan for seniors: read the article
  • State-assisted loan: all the information on PTZ 2013.
  • The loan between individuals
  • Reimbursing a loan in advance: how to convince your banker

Real estate loan

 

This question comes up regularly in various credit forums. But getting a real estate loan when you’re in a cdd or when you’re intermittent is entirely possible if you respect a certain number of conditions, even if a contract on a permanent contract makes it easier to borrow .

I am on a fixed term, can I get a mortgage?

I am on a fixed term, can I get a mortgage?

If you are in a cdd and have been working for about ten years, the situation will worry the banker less than if you have just entered the workforce and this is your first job.

In the case of co-borrowers, if one member of the couple has a contract of employment in CDI, the situation may only be reinforced.

Other criteria for analysis

The study of a credit file leads the banker to analyze a certain number of criteria. It will be all the more intransigent that you have a precarious situation with a fixed term contract or an interim contract.

The personal contribution

The first criterion of analysis, the personal contribution proves to the banker that you knew how to save. Moreover, to lend beyond the value of the real estate, ie to finance in addition the notary fees does not enchant the banker. This situation is even more troublesome if you do not have a stable situation and you ask for a mortgage when you are in cdd.

However, it is easy for banks to understand that a young worker has not had the years to build capital. It will therefore be more flexible for a purchase for a primo accedant.

Bank statements

When the job situation is not stabilized, bank statements can prove to your banker that you know how to manage your budget. Otherwise, you will have trouble convincing the bank that it takes no risk to lend you

The debt ratio

Again if you apply for a mortgage with a fixed-term employment contract, the bank will be very strict on the debt ratio and will accept very difficult debt over 33%.

The rest to live

This is a point in the credit file that is being watched more and more by the banker. The “remainder to live” is the portion of income that remains once the credit date has been settled. It must be sufficient to support the members of the household. This amount is therefore analyzed according to the number of people in the household

What you need to remember if you are applying for a real estate loan and you are in a cdd or intermediation is that it is quite possible to obtain a loan but expect that the other aspects of the file are analyzed in great detail by the banker.

Our articles on credit

  • Mortgage Loan Advantage
  • Permanent credit: the pitfalls to avoid
  • Professional credit without contributions: the conditions for obtaining financing for your company
  • Get immediate credit online: do you meet the requirements?
  • The PTZ plus
  • Buy a home loan to the competition
  • Credit allocated to a property

The questions borrowers ask themselves

In order to allow Internet users to find specific questions to the answers they ask themselves, Emprunt-Et-Crédit.com has decided to adapt its “Frequently Asked Questions” section to make it both more functional and more accessible . The goal is ambitious: to allow borrowers to find the answer to their question very directly and simply in the world.

Grouped into 15 categories, from real estate loans to the problem of over-indebtedness through insurance or real estate, this database will ultimately gather most of the detailed answers to all the questions we have been asked for the last 5 years. .

The reorganization of the Frequently Asked Questions will nevertheless take a few months to find its final form. It will therefore be necessary to wait before finding on the home page the block presenting the categories .

How to use the FAQ?

Nothing more simple, just first go to homepage and then click on the topic that interests you. This categorization saves a lot of time rather than having to search through dozens of different questions. The organization of the FAQ also makes it easy to find related questions that can complement the information in a relevant way. As we often say one question can bring another.

Example: Does a seller have the right to refuse to sell to a borrower who uses a home loan?

If you have already done this, even if you have done this type of research, you would agree that the answer is not easy to find. You will have to spend a lot of time browsing the Internet and collecting scattered information across many sites. One will address the obligations of the seller but will be too vague, the other will give you information about the bank loan refusal, another will talk about the protection of the borrower. Thanks to the FAQ of Borrowing-And-Credit.com you will be able to find a PRECISE answer to a PRECISE question.

An original way of approaching practical and fast finance

An original way of approaching practical and fast finance

We are convinced that this unique way of dealing with financial issues through practical cases will allow everyone to find in just a few clicks the answers they are entitled to expect from an information site like ours.

Ask your question directly to our experts

Ask your question directly to our experts

Even with the content provided and detailed, it will certainly happen that a question is not asked or at least that the answer provided by our experts is not fully adapted to your situation. Never mind, you can ask us directly. You will receive the answer directly and if we deem it useful for users, we will add it to the FAQ, which will feed the database for all.

Some examples of questions asked by Internet users

  • How much is the percentage of notary fees on the purchase of a house?
  • Does my bank have the right to transfer my booklet to fill an overdraft on my current account?
  • How does the bank calculate agios for my discovery?
  • Can seniors over the age of 60 make a credit redemption transaction?

To build a cheap house

Many homeownership candidates have few means to own their main home. The goal is clearly defined: to build a cheap house . All efforts then tend to try to save on all items to reduce the debt ratio

How to build a cheap house?

How to build a cheap house?

The land pass: a solution that ends on December 31, 2010

Until now, one of the solutions was to put the project in the context of the land pass. This arrangement made it possible to separate the financing of land and construction. Clearly, the buyer was the tenant of the land for which he signed a long-term lease and could then devote the entire budget to the construction of the house. However, this device ending on December 31, 2010, it is no longer possible to benefit. However, it has allowed many buyers to invest in real estate on particularly advantageous terms.

Choose a cheap builder

It is possible to build a cheap house through a professional. However, it is preferable that the latter is a member of the Union of Manufacturers of Individual Houses (UNCMI) for you to have all the necessary guarantees. But choosing a good builder is not easy. The reason is that the elements of comparison are not always identical.

Know how to analyze the description

The choice of materials comes in a lot of the cost of construction and to succeed in building a cheap house, the builder will tend to choose cheap materials. While for some jobs it is possible to have a quality house with lower quality materials, some aspects of the construction deserve special attention.

Treat the shell

If there is a job on which it is not really possible to save, it is the main work. If you build a house on sloping ground with a buried basement, it is essential that the walls of the latter be mounted in “concrete banché” to establish the strength of the work and not in rubble. On the other hand, one can gain a lot on the budget and manage to build one’s house cheap if one opts for a frame type “farmhouse” much cheaper than the traditional framework. This choice will not affect the strength of the building.

Building a cheap house by providing self-help

Building a cheap house by providing self-help

One possibility to succeed in building a cheap house is not to go through a builder but to choose an architect for the realization of the plans and possibly for the filing of the building permit and then to ensure yourself the prime contractor . You will then choose, as the owner of the work, the different craftsmen who will intervene in the construction.

Self-construction: a solution for most DIYers

Most do-it-yourselfers can opt for self-construction. This is obviously the best way to build a cheap home but that will pose two major problems. The first concerns the real estate loan. Many banking organizations no longer finance self-construction because there is a risk to the strength of the building when the house is not built by a professional. The other problem concerns the underwriting of property and casualty insurance. You should know that this insurance is mandatory. However, it is very difficult to subscribe individually, insurers being very few to propose it.