favorite Gmail - Letter to Mr. President of the French Republic - gerard.fournier8 @ gmail.com
Gmail - Letter to Mr. President of the French Republic - gerard.fournier8 @ gmail.com "Reply
Sunday, December 27, 2009
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Hello Mr. President, We invite you to visit our blog. We remind you that we are victims You & Ourselves a forgery & embezzlement of mail in regards to your last missive.Nous are also victims, and Prime Minister Mr. & Mrs. also Alliot-Marie misuse of mails. Currently on a complaint of abuse Mr. Mayor OBERNAI We are We stuck victims as criminals, we also had the right to anthropometry. All these acts between in retaliation to prevent us from reporting acts of TORTURES.Nous planes Even asked for protection; DATI which we refused it for months & will do that reprisals by all jurisdictions in Alsace which blocks all our records we will shortly sociaux.Nous beings expelled Input & is not possible to relogement.Merci & housing policy for disabled people, who not only right for that to be Martyrised of your local elected by UMP that behave like real NAZI: gerard.fournier8 @ free. en @ gmail.com
gerard.fournier8
g.fournier565 @ laposte.net http://francetortures-fournier-g.blogspot.com/ Hope to read you Mr President of the French Republic. OBERNAI 28 December 2009 "
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Google Docs Backup of Rachida Dati A1 - Google Docs
Backup of Rachida Dati A1 - Google Docs OBERNAI March 27, 2009 
;
;
FOURNIER. Gerard. 
A
9. Av green fields. Madame Rachida Dati. 67210. OBERNAI Advisor Paris, Mayor of the 7th A gerard.fournier8 @ free.fr
Attorney General, Minister of Justice.
Gerard.fournier8gmail.com Previous 7
e
116 rue de Grenelle.
Hello.
Madam Minister.
I'll rig you to take cognizance of crimes committed against my brother David, as well as acts of reprisal against me which is always lieus now.
I ask for your immediate assistance is & given my precarious situation voluntarily wished to be elected by the municipality where I live.
It is outrageous that the 25 years I am denied public housing, while I am in priority as a disabled person PHYSICAL ONLY. More shocking still is that despite Mr Mail
; The President of the Republic Mr &
; Prime Minister MR.LEE regional prefect does not take a requisition order.
other by being a witness to protect a criminal case & say that given the fact of retaliation authority should protect me.
Therefore, I beg Madame Minister to kindly put that protection in place, not only for myself but for all family members who are witnessed acts of torture on the person of my brother David.
Sorry to tell you, Madam Minister, but we are far from Justice cleaner than we had promised Mr. President of the French Republic.
I'll send you my written testimony as soon as possible.
Accept
, the minister has the expression of my highest consideration a +.
Fournier. Gerard.
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COUNCIL GENERAL of BAS12 - Rachida Dati Docs
of BAS12 GENERAL COUNCIL - Google Docs : "Mr. President. 
NBProchainement on the web. Open letter to Mr. THE PRESIDENT OF THE FRENCH REPUBLIC. OBERNAI on 22/11/2008. FOURNIER Gerard. "
of BAS12 GENERAL COUNCIL - Google Docs : "Mr. President.
I inform you that I hereby denounce publicly. The acts of arbitrary detention & ; of torture as a member of my family for three months & was during the 2007 presidential election. Acts committed in the name of Laura Furst, Chantal jeanpert mayor of Molsheim & on behalf of the home of low-weevil & Molsheim area. As retaliation always done now on me to prevent me from denouncing the action. Made of retaliation with the active assistance of the City of Obernai. Imagine the scandal-judicial politco which will burst at the highest levels of government. What? Have become the values of the French Republic, JUSTICE & especially our DEMOCRATIE.Mr. Mayor Fisher Obernai can thank his former deputy opj Alouane of junk, which advocated officially part of these functions RACISM. She? Are these small local officials, who behave like the scum & scoundrels. Acts of racism, torture & threats against all members of a family. Refusal to marry the town of Obernai to grant public housing to a physically disabled person for 24 years. A veritable witch hunt organized by the Mayor of MOLSHEIM against an entire family, to prevent them from reporting cases.
I appeal to all French communes NOT RACIST, was late to know if they had housing. Gerard FOURNIER. 9. Av Green fields. 67210 OBERNAI
Quote: An injustice to one man is a threat to all ALIA (the book of Acts MONTESQIEU). The OBERNAI 26/08/2008. FOURNIER. Gerard.
Gerard.fournier8 @ free.fr Saturday, December 26, 2009
Le Creuset What Is Number On Bottom
HALDE
INBOX: HALDE - Your request has been forwarded (58 of 149)
displaces
Delete
: 
:
Phone: 0388955676 Fax
cid: image001.gif @ 01C877E5.6DB7B030 
PCS / E & A/C012646 
Dear Sir, 
President of the Republic received the message you want to it.
Sensitive to your approach, Mr. Nicolas SARKOZY asked me to make sure he is aware of your concerns about the difficulties you encounter in seeking housing in your community.
I have not failed to report your thoughts to the Prefect of the Alsace region, Prefect of the Lower Rhine.
You will be informed, by itself, the result may be reserved.
- Hide quoted text -
Sincerely.
Chief of Staff
Cedric GOUBET
Gérard FOURNIER
9 avenue des Champs Verts
67210 Obernai
gerard.fournier8 @ free.fr "
INBOX: HALDE - Your request has been forwarded (58 of 149)
displaces
Delete
:
Gerard FOURNIER 
  | Subject: |
| Dear Your request has been sent to the HALDE. You will find below the complete text of your request. You will receive by mail within one week of receipt of your request for referral. Warning, file a claim with the High Authority, does not interrupt and do not suspend the legal time limit for going to court. Your identity Name: Mr. FOURNIER Name: Gerard Birthdate: 21/10/1953 | Birthplace: MOLSHEIM  Home Address: 9 Av Fields Green 67210  OBERNAI |
| Fax: | Email: | gerard.fournier8 @ free.fr
| Discrimination behavior, acts or practices of discrimination that you have brought to the attention of the HALDE (specify the date and place of the facts): | Refusal to grant the city public housing to a disabled person, based on his political views since 25 years.1 person falsely described as extreme right and extreme left to be denied its benefits sociaux.Tous social issues blocked his volontairement.Je am a person who does not know whether IT can still have a single ounce of love to give a autre.Je risk of being expelled from my home deprived of sleep by a merchant. Help me. Thank you A + GEGE.NB Harassment;  You think being or having been a victim of : Harassment |
| Regarding | : Public housing Who do you feel responsible for these facts (person physical and / or business, organization ...)? Legal person |
| Name: OBERNAI-HABITAT | Address: 34 Rue du Mal. KOENIG | 67210
| ||||||
| : info@obernai.fr Have you witnesses?
Specify how these approaches have consisted: matignon Email from the email 1/29/2009 3:03:09 Presidency & 1 04/06/09.Faux of writing done by Meme . SZYMANSKY the prefecture for the presidency stating that I was placed near any social landlord who is faux.Représailles the city against me while I am a witness to all miss Mayor protèger.Le these duties in protecting accompanied ntimidations. My assis.sociale applied to requisition that is not done suivit.Que Prefect? The site
|
Sensitive to your approach, Mr. Nicolas SARKOZY asked me to make sure he is aware of your concerns about the difficulties you encounter in seeking housing in your community.
I have not failed to report your thoughts to the Prefect of the Alsace region, Prefect of the Lower Rhine.
You will be informed, by itself, the result may be reserved.
- Hide quoted text -
Sincerely.
Chief of Staff
Cedric GOUBET
Gérard FOURNIER
9 avenue des Champs Verts
67210 Obernai
gerard.fournier8 @ free.fr "
Monday, December 21, 2009
Gown Rental In Makati
On September 3 OBERNAI B2009SILENCE.pdf
On September 3
OBERNAI B2009SILENCE.pdf
: "Page 1
third
OBERNAI 03 September 2009.
gerard.fournier8 @ free.fr
A.
gerard.fournier8 @ gmail.com
MR.LEE Mayor OBERNAI.
Mr. Mayor, when you broke all your homework & including the first, namely
security one of your fellow citizen and that you will always miss.
citizen to be protected as a witness in a case of tortures.Que your municipality in its retaliation against
since even 2007.Vous & Mr. JEHLE, You allow you to file a complaint against a
your victim, that Mr. JEHLE forget the acts of RACISM & DEATH THREATS from
uttered against him in May 2008.La Obernai municipality wants a trial or
We also want. While you push your victim to hunger, disability
point so it is in the obligation to ask Mr. The President of the French Republic
good enough to send the leftovers of the Elysee. We have the great honor, but you
a very bad surprise You know, there three other victims, who
are more or less than the three highest summits of the state. We would Greer
ask our keeper incidentally Regional Prefect of the Alsace region of well
respective social services in general, services of the prefectural & Mafia furst Obernois
largely subsidized by your municipality & many other organizations, that of Obernai
& habitat of many of your elected officials, that the merchant Sté LAMY sleep instead
well known that Forced to live in a building, the apartments are we invaded by cockroaches
& cellars by rats. LAMY stereo, one of you use to hang us all
administrative records as well. Voltz woman of experience that comes from taxes and which covers tax evasion
& an attempt to subordinate our individual witness
dated 08 March, two thousand eight, your elected officials serve in their habitat and those Obernai
having served in 2007 & some tax evaders to Obernois supported by the municipality and who as private owners
have obtained a social housing fraud MUNCH Even Chantal & Mr. Eckert
Patrick.Il! Just your policy of social exclusion towards people
handicapées.Il! Just your Racism. Will be trial & Colossal Media &
You lose because you wash already lost. Following your complaints we have been subjected to Us
real victim fingerprinting & photographing. Will you do the same with Mr. Mayor
three other victims? Namely Mr. President of the French Republic, Mr. Prime Minister
& Meme. Alliot-Marie Minister of Justice, all three We as victims of embezzlement of letters &
of forgery of the prefects, on a
housing. It would be good practice! We have had to face a small
chief quartermaster and overwhelmed by the event, which we have published something straight out of the asylum, is
to declare itself a victim that we were guilty after your orders, which we have threatened to
We remove our disability under the pretext that it was not military valable.Un
who did not know who was first deputy Miss EDEL Maire.Un illiterate
refusing to photocopy my ID card on the pretext that it was outdated, while its
expiration date is 08: 05: 2011. We did not know that Constable, had the power to declare a
internment, we have made a perverse pleasure to abort. But! whom We gave her a CON
same? We will challenge the record of the statement, the circumstances in which it took place
Page 2 2 / 3
be nice Mr. Mayor that it is well executed your orders illegal, treat him right
even some treats for the St . NICHOLAS. Must also meet its passivity Meme.
The prosecutor, because the currents are for a month a person dies of hunger by
the fault of your municipality. She has always not react.
We call this a failure to assist a person in danger.Si Meme. The prosecutor is not satisfied with our
writings, which she took her degree, the torch is pointed butt & go to the RSA
Same for any other officer who offend them, but they will avoid to Spinalonga.
Given moultes investigations that will take place, we will ask that
Gendarmerie MOLSHEIM & OBERNAI
those investigations are made available because they are at your command and those of your counterpart MOLSHEIM. And we remind you that you're
always responsible for our safety, as
You are responsible for acts committed by the police, because the brigade is located on the bank of the town. You're
We therefore caution against other police provocations. As for the fact that Mr. Le Maire
after your studies, you have become a vulgar merchant viagra & layers
panties, this is due to the evolution of society desired by politicians of all stripes & is
decades, policies are You're gone. So you had to cry on You, and he was even
inappropriate of you to go cry in the slips Meme. The prosecutor,
of your nervous Poo. You & Mr & JEHLE who have had a gestation period of eight months for the final
We make premature. But! In fact, epidural or cesarean? While
We were in the middle of a reference against you by the High Authority to Combat Discrimination & The
for equality. It is not surprising that you deleted the
We aiyez OBERNAI motherhood, especially now that, you make a false pregnancy. You had to hide
your electorate, You had that one on your list to frontist municipal!
thousand apologies Mr. Mayor, We did not know you had to botch the mission
regional elections coming in your party and your own cantons. But! Not surprisingly
You have already decided not to represent you! Know! Mr. Mayor, that being older
You, We do not need to be lectured by the respect of
authority. Again! Faudrait'il that you & your minions are respectable! The way we
You fill your elective office is an insult to the French Republic to
& Democracy. You and your cronies show your true faces. Such! Those! Who officiated in place infamous
not far from us! And! Which brings us back to more hours
dark history of our Region, France, Europe & the world! It is bad for you
distinguished Latinist, lest you found asleep in the Greek
We, because as a real victim, We are the Alpha & Omega. Your trial will be
Armageddon!
Bilan.
The Silence of the Massacre
innocent.
The situation is a tsunami, overwhelm us ... That! A groundswell. Viscous mud &
accompanied by hints of brown plague! We will stay as strong, though sometimes fragile &
retirer''se''is done without that you think ... So, sorry you have inflicted this silence! Do
talk of improprieties, but rather see protections. We preserved your anxiety, it is not easy!
Same for you who are not on our side! Stay on the other side! Where the projects of your
3 / 3 Page 3
megalomania false certainties, & fills of egocentricity. You joy where projects
Holiday occupy your evenings. Us! We are the nightmare of illness & disability,
where nothing is planned. Be warned now that we risk forgetting some social codes &
be incorrect. We may also laughing like schoolboys, by releasing too plain! And
We will not always trouble maker, but on the contrary & most importantly, that we have not joined the world
close to wisdom, which conferred the birth and death ... These lepers
of Crete, Spinalonga locked up, we're tripling affected by disease, disability &
isolation. We are sorry to tell you that we will no longer like those that
You Have Known. But above that We will not be wiser, but rather stronger
We're in a fight, which leads us not to bring peace to the enemy, to live at their own pace, let him
instead of honor usurped! Everything is different & will remain so! For You-bodied poor, who
soup with shame, you who are only disdain & contempt! You who refuse We the right to
difference! You who deny us the right to live! You who violate human rights point
MAN! You who violate all laws, all civil rights, the rights of your
Victims! Yes! Stay on the other side! You rich, privileged life! We
rich and dying, who survive, who claim the right to live, but you will survive! You poor
valid, which we considered, we disabled our disabilities as inferior,
You're only star dust! While we! We SEED! Only those who give
first place in mind, the light can really change. But obviously he must first feel the need
& this need not produced. It is born with it or not. If a Man
comes to earth with a spiritual need, very little, just a book, a few words
yet it means nothing to you, do it anyway efforts, prepare the ground & there
sow some seeds. And! Take the seed! But! On your side! OBERNAI
September 03 2009 "
On September 3
OBERNAI B2009SILENCE.pdf
: "Page 1
third
OBERNAI 03 September 2009.
gerard.fournier8 @ free.fr
A.
gerard.fournier8 @ gmail.com
MR.LEE Mayor OBERNAI.
Mr. Mayor, when you broke all your homework & including the first, namely
security one of your fellow citizen and that you will always miss.
citizen to be protected as a witness in a case of tortures.Que your municipality in its retaliation against
since even 2007.Vous & Mr. JEHLE, You allow you to file a complaint against a
your victim, that Mr. JEHLE forget the acts of RACISM & DEATH THREATS from
uttered against him in May 2008.La Obernai municipality wants a trial or
We also want. While you push your victim to hunger, disability
point so it is in the obligation to ask Mr. The President of the French Republic
good enough to send the leftovers of the Elysee. We have the great honor, but you
a very bad surprise You know, there three other victims, who
are more or less than the three highest summits of the state. We would Greer
ask our keeper incidentally Regional Prefect of the Alsace region of well
immédiattement.Et want to move to a purpose that we explain to victims what right we 
he can systematically to wipe the butt of Presidential emails with Corporate &
by the allocation of social housing on a OBERNAI handicapée.Mais person would doubt that between these powers because it technocrat? Se will be, Mr. Mayor your trial, that of your counterpart in your MOLSHEIM CCAS he can systematically to wipe the butt of Presidential emails with Corporate & respective social services in general, services of the prefectural & Mafia furst Obernois
largely subsidized by your municipality & many other organizations, that of Obernai
& habitat of many of your elected officials, that the merchant Sté LAMY sleep instead
well known that Forced to live in a building, the apartments are we invaded by cockroaches
& cellars by rats. LAMY stereo, one of you use to hang us all
administrative records as well. Voltz woman of experience that comes from taxes and which covers tax evasion
& an attempt to subordinate our individual witness
dated 08 March, two thousand eight, your elected officials serve in their habitat and those Obernai
having served in 2007 & some tax evaders to Obernois supported by the municipality and who as private owners
have obtained a social housing fraud MUNCH Even Chantal & Mr. Eckert
Patrick.Il! Just your policy of social exclusion towards people
handicapées.Il! Just your Racism. Will be trial & Colossal Media &
You lose because you wash already lost. Following your complaints we have been subjected to Us
real victim fingerprinting & photographing. Will you do the same with Mr. Mayor
three other victims? Namely Mr. President of the French Republic, Mr. Prime Minister
& Meme. Alliot-Marie Minister of Justice, all three We as victims of embezzlement of letters &
of forgery of the prefects, on a
housing. It would be good practice! We have had to face a small
chief quartermaster and overwhelmed by the event, which we have published something straight out of the asylum, is
to declare itself a victim that we were guilty after your orders, which we have threatened to
We remove our disability under the pretext that it was not military valable.Un
who did not know who was first deputy Miss EDEL Maire.Un illiterate
refusing to photocopy my ID card on the pretext that it was outdated, while its
expiration date is 08: 05: 2011. We did not know that Constable, had the power to declare a
internment, we have made a perverse pleasure to abort. But! whom We gave her a CON
same? We will challenge the record of the statement, the circumstances in which it took place
. As to the reasons for the summons they are either already in a real shame 
. A member who as a fierce warrior na nothing we can
You sure, because when he tried to pass us in blender, in fact it has just as successful in the chopper Myxomatosis, please be vaccinated by a vet urgently, before it takes a blacksmith! Sergeant Chief, who must answer for his behavior, but . A member who as a fierce warrior na nothing we can Page 2 2 / 3
be nice Mr. Mayor that it is well executed your orders illegal, treat him right
even some treats for the St . NICHOLAS. Must also meet its passivity Meme.
The prosecutor, because the currents are for a month a person dies of hunger by
the fault of your municipality. She has always not react.
We call this a failure to assist a person in danger.Si Meme. The prosecutor is not satisfied with our
writings, which she took her degree, the torch is pointed butt & go to the RSA
Same for any other officer who offend them, but they will avoid to Spinalonga.
Given moultes investigations that will take place, we will ask that
Gendarmerie MOLSHEIM & OBERNAI
those investigations are made available because they are at your command and those of your counterpart MOLSHEIM. And we remind you that you're
always responsible for our safety, as
You are responsible for acts committed by the police, because the brigade is located on the bank of the town. You're
We therefore caution against other police provocations. As for the fact that Mr. Le Maire
after your studies, you have become a vulgar merchant viagra & layers
panties, this is due to the evolution of society desired by politicians of all stripes & is
decades, policies are You're gone. So you had to cry on You, and he was even
inappropriate of you to go cry in the slips Meme. The prosecutor,
of your nervous Poo. You & Mr & JEHLE who have had a gestation period of eight months for the final
We make premature. But! In fact, epidural or cesarean? While
We were in the middle of a reference against you by the High Authority to Combat Discrimination & The
for equality. It is not surprising that you deleted the
We aiyez OBERNAI motherhood, especially now that, you make a false pregnancy. You had to hide
your electorate, You had that one on your list to frontist municipal!
thousand apologies Mr. Mayor, We did not know you had to botch the mission
regional elections coming in your party and your own cantons. But! Not surprisingly
You have already decided not to represent you! Know! Mr. Mayor, that being older
You, We do not need to be lectured by the respect of
authority. Again! Faudrait'il that you & your minions are respectable! The way we
You fill your elective office is an insult to the French Republic to
& Democracy. You and your cronies show your true faces. Such! Those! Who officiated in place infamous
not far from us! And! Which brings us back to more hours
dark history of our Region, France, Europe & the world! It is bad for you
distinguished Latinist, lest you found asleep in the Greek
We, because as a real victim, We are the Alpha & Omega. Your trial will be
Armageddon!
Bilan.
The Silence of the Massacre
innocent.
The situation is a tsunami, overwhelm us ... That! A groundswell. Viscous mud &
accompanied by hints of brown plague! We will stay as strong, though sometimes fragile &
retirer''se''is done without that you think ... So, sorry you have inflicted this silence! Do
talk of improprieties, but rather see protections. We preserved your anxiety, it is not easy!
Same for you who are not on our side! Stay on the other side! Where the projects of your
3 / 3 Page 3
megalomania false certainties, & fills of egocentricity. You joy where projects
Holiday occupy your evenings. Us! We are the nightmare of illness & disability,
where nothing is planned. Be warned now that we risk forgetting some social codes &
be incorrect. We may also laughing like schoolboys, by releasing too plain! And
We will not always trouble maker, but on the contrary & most importantly, that we have not joined the world
close to wisdom, which conferred the birth and death ... These lepers
of Crete, Spinalonga locked up, we're tripling affected by disease, disability &
isolation. We are sorry to tell you that we will no longer like those that
You Have Known. But above that We will not be wiser, but rather stronger
We're in a fight, which leads us not to bring peace to the enemy, to live at their own pace, let him
instead of honor usurped! Everything is different & will remain so! For You-bodied poor, who
soup with shame, you who are only disdain & contempt! You who refuse We the right to
difference! You who deny us the right to live! You who violate human rights point
MAN! You who violate all laws, all civil rights, the rights of your
Victims! Yes! Stay on the other side! You rich, privileged life! We
rich and dying, who survive, who claim the right to live, but you will survive! You poor
valid, which we considered, we disabled our disabilities as inferior,
You're only star dust! While we! We SEED! Only those who give
first place in mind, the light can really change. But obviously he must first feel the need
& this need not produced. It is born with it or not. If a Man
comes to earth with a spiritual need, very little, just a book, a few words
will give it a momentum that nothing will stop it. While another, even if the world is there for 
preach, it will not help, because some trends which lead him in another direction
. So to be able to return to the spiritual need. Mrs. The Dictators of OBERNAI & MOLSHEIM. You! Our murderers! You! Our criminals! On your petty officials at the small week. Yes! Stay on the other side! But! You must start today. Even if preach, it will not help, because some trends which lead him in another direction yet it means nothing to you, do it anyway efforts, prepare the ground & there
sow some seeds. And! Take the seed! But! On your side! OBERNAI
September 03 2009 "
Kates Playground Hadcore
SANDAL THE PREFECTURE - Google Docs
SANDAL THE PREFECTURE - Google DocsDe:
Gerard Fournier
gerard.fournier8 @ gmail.com
>
Date: June 11, 2009 21:52 Subject
: SCANDAL AT THE PREFECTURE
:
communication@bas-rhin.pref.gouv.fr
My respects Mr. Prefect of the Alsace region, after the forgery made by Meme. SZYMANSKI & belonging to your services is in response to a letter of Elyse of 03/03/2009. We are waiting to see what response you will make to the recent letter of Elyse 04/06/2009.Nous We are surprised by your cons that different services do not refer to the letter of the Matignon 29/01/2009.Devons We understand that your awesome UNCLE, have a courier ÉGARÉ VOLUNTARILY Matignon in the month of January2009? Would You not already having to make a requisition order for social housing on OBERNAI about me? Should We understand that the official government policy is by the prefects, Municipal & MOLSHEIM OBERNAI, is denied access to housing Social & any social advantage to a physically disabled person? Should We understand that that policy is made by some body cover & always present tax evasion? How do Mr. FISCHER Mayor OBERNAI vis-Chairman General Lower Rhine and president of the Economic permanent, with the assistance of Even the deputy mayor. Annita VOLTZ retiree tax, and to make an attempt to SUBORDINATION WITNESS as was the case on 07/03/2008 at 8:40 MemeVOLTZ around. Must understand that the government's official policy is to let the crooks take advantage of social housing, while their victim comes around Mr. Mayor OBERNAI a Sté. Real estate slumlords, has said that the victim is required to not only heat but simultaneously Fuel to electric heating. It is hoped that such Sté. Real estate does not manage a point of the park office obernoi? We must understand that the SEM-habitat Obernai had received orders by meaning & is given the fact that politicians representing the majority of the members serving belong to the majority of Mr. Mayor OBERNAI? Est'il normal for a person to serve on the board in allocating social housing as a municipal councilor & private shareholder up to two actions? Conterait'il doubling his vote? Mr. Warden Est'il normal that as a victim I have not been consulted? I invite you to Mr. Warden You take personal charge of this case, of course not without forgetting that I represent VICTIM and that I am. It is hoped that Mr. Warden You're not still on leave, because I feared that the return is more than torride.Veuillez accept Mr. Warden Lake Maggiore Alsace express my greetings but certainly not distinguished . Gérard.FOURNIER.
SANDAL THE PREFECTURE - Google DocsDe:
Gerard Fournier
gerard.fournier8 @ gmail.com
>
Date: June 11, 2009 21:52 Subject
: SCANDAL AT THE PREFECTURE
:
communication@bas-rhin.pref.gouv.fr
My respects Mr. Prefect of the Alsace region, after the forgery made by Meme. SZYMANSKI & belonging to your services is in response to a letter of Elyse of 03/03/2009. We are waiting to see what response you will make to the recent letter of Elyse 04/06/2009.Nous We are surprised by your cons that different services do not refer to the letter of the Matignon 29/01/2009.Devons We understand that your awesome UNCLE, have a courier ÉGARÉ VOLUNTARILY Matignon in the month of January2009? Would You not already having to make a requisition order for social housing on OBERNAI about me? Should We understand that the official government policy is by the prefects, Municipal & MOLSHEIM OBERNAI, is denied access to housing Social & any social advantage to a physically disabled person? Should We understand that that policy is made by some body cover & always present tax evasion? How do Mr. FISCHER Mayor OBERNAI vis-Chairman General Lower Rhine and president of the Economic permanent, with the assistance of Even the deputy mayor. Annita VOLTZ retiree tax, and to make an attempt to SUBORDINATION WITNESS as was the case on 07/03/2008 at 8:40 MemeVOLTZ around. Must understand that the government's official policy is to let the crooks take advantage of social housing, while their victim comes around Mr. Mayor OBERNAI a Sté. Real estate slumlords, has said that the victim is required to not only heat but simultaneously Fuel to electric heating. It is hoped that such Sté. Real estate does not manage a point of the park office obernoi? We must understand that the SEM-habitat Obernai had received orders by meaning & is given the fact that politicians representing the majority of the members serving belong to the majority of Mr. Mayor OBERNAI? Est'il normal for a person to serve on the board in allocating social housing as a municipal councilor & private shareholder up to two actions? Conterait'il doubling his vote? Mr. Warden Est'il normal that as a victim I have not been consulted? I invite you to Mr. Warden You take personal charge of this case, of course not without forgetting that I represent VICTIM and that I am. It is hoped that Mr. Warden You're not still on leave, because I feared that the return is more than torride.Veuillez accept Mr. Warden Lake Maggiore Alsace express my greetings but certainly not distinguished . Gérard.FOURNIER.
Sunday, December 20, 2009
Bangbros Free Watching
OBERNAI The September 3 B2009SILENCE.pdf
OBERNAI On September 3 B2009SILENCE.pdf
OBERNAI On September 3 B2009SILENCE.pdf
Monday, May 11, 2009
Can Strenuous Exercise Trigger A Herpes Outbreak
Apartment for rent on the old port of La Rochelle. Ideal for a good holiday!
T1 DUPLEX (30 m²)
Ideal couples with children
Situated in a pedestrian street in the old port of La Rochelle the 3rd and last floor, overlooking the courtyard garden , bright, airy. There is no noise because the apartment is courtyard.
The velux window and allow good aeration
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All within walking distance: beach, parks, shops, restaurants, bars, clubs, sailing school, cinema, theater, departure of cruise ships (Fort Boyard) or for islands (Ré, Aix , Oléron). Meadows' Ladies Court "Very amino summer and at annual events ( Franco follies, Grand Pavois, Festivals ..).
OOVACANCES Vacation Rentals Europe Vacation
rental La Rochelle - Charente-Maritime Holiday
T1 DUPLEX (30 m²) Ideal couples with children
Situated in a pedestrian street in the old port of La Rochelle the 3rd and last floor, overlooking the courtyard garden , bright, airy. There is no noise because the apartment is courtyard.
The apartment is part of a listed building . It was furnished and renovated in 2006 . Electric heaters. floor solid floor.
The velux window and allow good aeration
and
sunshine.
Mezzanine:
dining tables, chairs.
The sofa can be decomposed in two bed 0.90 meters x2 .
The sofa can be decomposed in two bed 0.90 meters x2 .
Equipped kitchenette: 2 hideouts electric / microwave / oven / fridge freezer / washer dryer / kitchen utensils / many closets.
+vue+de+la+mer+avec+fleche.JPG)
All within walking distance: beach, parks, shops, restaurants, bars, clubs, sailing school, cinema, theater, departure of cruise ships (Fort Boyard) or for islands (Ré, Aix , Oléron). Meadows' Ladies Court "Very amino summer and at annual events ( Franco follies, Grand Pavois, Festivals ..).
Contact us for more information , availability and prices.
06 17 36 12 44
LINKS
Advert in flat Français pour la
Photos and descriptions of the apartment
Photos and descriptions of the apartment
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rentals Holiday Charente Maritime (17) - cosmetics
rental La Rochelle - Charente-Maritime Holiday
Wednesday, March 18, 2009
How Many Pokèmon Are There?
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Hello,
I'm Yann LUSZPAK, Real Estate Negotiator
Independent nearly 10 years.
I am one of the best specialist property
our region.
My main activity is research and trading land for developers, builders, developers, housing associations, but also for franchises looking for new sites.
I also heavily involved in numerous development projects for the Municipalities of Nord-Pas de Calais
direct relationship with municipalities, homeowners, population, DDE architects ......
Despite the "housing crisis", I currently have a very strong demand from my clients!
MY SEARCH :
- You are an elected ! you have a Development Project your town ... I offer my services GRATUITEMEN T (I'm paid by the acquirer).
I will arrange for the negotiation of parcels of land involved in market prices (which avoids quarrels with the owners, expropriation or proposals to "level with the daisy" (if you go through EPF).
- You are a homeowner , you have a lot 1 hectare to 30 hectares for construction , contact me, I'll get you the best price offer!
____________________________________________________________________
INFORMATION:
In many Municipalities of Nord-Pas-de-Calais there are currently updating the Local Plan Urbanism and many new buildable land appear on the market makes this product "less rare!" So cheap!
In addition, lending rates of banks explode! it is therefore in the Real Estate Market to adapt by going down.
I only deal with Individuals.
(PS: If you know of a change
PLU or POS on your common interests me this information!)
Hello,
I'm Yann LUSZPAK, Real Estate Negotiator
Independent nearly 10 years.
I am one of the best specialist property
our region.
My main activity is research and trading land for developers, builders, developers, housing associations, but also for franchises looking for new sites.
I also heavily involved in numerous development projects for the Municipalities of Nord-Pas de Calais
direct relationship with municipalities, homeowners, population, DDE architects ......
Despite the "housing crisis", I currently have a very strong demand from my clients!
MY SEARCH :
- You are an elected ! you have a Development Project your town ... I offer my services GRATUITEMEN T (I'm paid by the acquirer).
I will arrange for the negotiation of parcels of land involved in market prices (which avoids quarrels with the owners, expropriation or proposals to "level with the daisy" (if you go through EPF).
- You are a homeowner , you have a lot 1 hectare to 30 hectares for construction , contact me, I'll get you the best price offer!
____________________________________________________________________
INFORMATION:
In many Municipalities of Nord-Pas-de-Calais there are currently updating the Local Plan Urbanism and many new buildable land appear on the market makes this product "less rare!" So cheap!
In addition, lending rates of banks explode! it is therefore in the Real Estate Market to adapt by going down.
I only deal with Individuals.
(PS: If you know of a change
PLU or POS on your common interests me this information!)
Please contact me by email or GSM:
06.50.85.03.27
y.luszpak @ gmail.com
Greetings.
YL
Isabella Soprano Filmati
For the first time in 30 years, the heritage of the French fell in 2008. Although a small decrease in the light of the situation in other Western countries. Andre, a partner with (management consulting firm) and author of Wealth of the World , analyzes the situation.
For the first time in 30 years, the real estate of the French declined. How this fall?
In December 2008, vaiprévu compaction 3% of property value in France. We have not been surprised at the announcement of the figures The drop comes prices, rather than a decrease vt primarily from lower desolumes . It concerns both the non-financial wealth but also financial assets because of the crash of the stock market. But as in France, remains a minority share in financial wealth, unlike those countries, we talk of lower of real estate.
These figures shows a downward trend in prices, rather than behaviors in relation to property values. If one refers the previous situation, the current decline is figure correction. Since 2006, the report wealth / income was 8, that is to say that the heritage of the French was 8 times greater than their income. We were in a pathology report, and should have been alarmed in 2006. The current figures are much more reasonable.
the decline, particularly with regard to what is happening in other Western countries?
The comparison with other countries allows the relative decline in property values in France. All Western countries do not play in the same court. The indicator to be taken into account to understand the situation is the rate of household debt. The impact of the crisis is more severe in countries where the debt is heavy. The debt balance, the real estate market on both the old and the new. Thus the we are witnessing a decline in overall household wealth in the order of 16%.
The situation in France is more comparable to and countries where the use of credits is modest. Furthermore, regarding it's still different. The English property market is hit hard but this is explained by imbalances in the financial market rather than by lower prices or volumes.
What are the main developments of the heritage of French?
There is a real change from the 2000s. In 2001, before the changeover of financial wealth frança 41%. After the crack, there has been a retraction of the market, backed by a price increase on non-financial wealth. Thus in 2007, it represented only 22% of total assets, less than one third. For 2008, we are seeing a rebalancing: the non-financial wealth and settles back to a reasonable level.
What are your predictions for 2009?
2009 will be another negative year, but from 2010 we should see a recovery. With regard to housing wealth, the decline would continue at the same pace as this year. On the equity side, we see a rebound in the second half of the year, growth du40 should amount to 3%.
attention of buyers, interest rates too élevésdes banks ... The market is sealed in the ninth as the old. But already, prices began to fall and it's time to get back to prospecting. At certain conditions.
It is a 4-room of 95 m2 located on rue arrondissement of Paris), Le Marais, a neighborhood so popular with Parisians and foreigners he is among those who most soared in recent years. Yet, this former apartment of character awaits its owner for more than three months. Last Price 800 000 euros to the result of a succession - it is now proposed at 640 000. And even at that price, buyers are reluctant ...
Changing times and attitudes. Real estate is now hard hit by the crisis. The accelerated deterioration of economic situation has precipitated the land market has already started since 2007, and caused "a violent fit and sharp loss of confidence," Olivier analysis, an economist at Credit Agricole.
In the ninth, sales have collapsed (- 40%) over the last two quarters of 2008, particularly in the area of the house. "The end of the year was terrible and the beginning of it is of the same ilk," says Jean- Françoi , president of the Federation of promoters manufacturers ( ). For their part, transactions in the former declined 20% on average in late 2008, resulting in blockage of the market. Prices have followed. The decrease (- 10% depending on ) started by the province - including , Marseille and Strasbourg - and extending to the outer suburbs of Paris, and recently in the capital. And this movement is probably only beginning. "2009 will be a tough year," warns Guy of .
Such a reversal, professionals as assistant director of real estate studies of the Credit Foncier, not had not observed "long". After a decade of uninterrupted growth and euphoria (+ 140% + in the former and 75% in the nine), the French began to doubt. Driven, initially, by purchasing highly degraded conditions: rates soared this fall, and prices have reached unsustainable levels sometimes. Since then, the wait is up, fueled by uncertainty that continues to grow. "The development market has completely stopped in the 4th quarter 2008," says Guy , for example, recorded a drop in bookings of 49% in the second half of 2008! And the market resale, the withdrawal of buyers - do not even have time to visit - was just as brutal. "The number of our customers has been divided by ten," notes Stephen agency director and This lack is reflected in requests for mortgage banks (from - 40 to - 50% in January) and even in studies notaries, some of which have been fired. This neglect is even stronger than remain a "mismatch between household incomes and housing prices," said Claude president of the Credit Immobilier de France.
course, this degradation creditworthiness has in recent weeks, offset by lower rates (income to 4.70%) and the impact of government measures. The doubling of interest-free loan and Lantages for investors, led a comeback, modest buyers. In branches and sales offices, professionals observe a renewed animation. But "Spring is far from being back," Christian tempers "It's more of a catch than a thrill," says Michel rofessor of economics at Paris. Especially, calculeéconomiste chezFrance , the aid "will not be sufficient to reverse the downward trend in prices."
Today, on the ground, "only sales at negotiated prices are realized," warned Bernard Cadeau, president . Especially as buyers, anxious and hesitant, "anticipate, even before signing a future correction of the value of the property," Bernard of stress and Creamers , the two co- Estate. But if prices began to adjust, "their decline is still far from enough," insists Claude . Hence the discount demanded by buyers, some very important - "Offers sassy" in the words of , Director agencies. Patterns cite this 3-piece in Paris, offered 530,000 euros to 450,000 party. In parts of France too, "the purge is sometimes so rare," says As this 4-piece offered at 140,000 euros and sold at 105 000. In general, "what are the family apartments that suffer the most," says the boss of the study .
In the ninth, sales have collapsed (- 40%) over the last two quarters of 2008, particularly in the area of the house. "The end of the year was terrible and the beginning of it is of the same ilk," says Jean-François Federation president developers builders. For their part, transactions in the former declined 20% on average in late 2008, resulting in blockage of the market. Prices have followed. The decrease (- 10% depending on started by the province - including Marseille and Strasbourg - to extend the second crown in Paris, and recently, to the capital. And this movement is probably only beginning. "2009 will be a tough year," warns Guy
Such a reversal, as professionals , assistant director of real estate studies of the Land Bank, had not observed "long". After a decade of uninterrupted growth and euphoria (+ 140% + in the former and 75% in the nine), the French began to doubt. Driven, initially, by purchasing highly degraded conditions: rates soared this fall, and prices have reached unsustainable levels sometimes. Since then, the wait is up, fueled by uncertainty that continues to grow. "The development market has completely stopped in the 4th quarter 2008," says Guy , for example, recorded a drop in bookings of 49% in the second half of 2008! And, on the market for resale, the withdrawal of buyers - who do not even have time to visit - was equally brutal. "The number of our customers has been divided by ten," notes Stephen director of agency This lack is reflected in requests for mortgage banks (from - 40 to - 50% in January) and even in studies of notaries, some of which have been fired. This neglect is even stronger than remain a "mismatch between household incomes and housing prices," said Claude, president of the Credit Immobilier de France.
course, this deterioration in creditworthiness in recent weeks, offset by lower rates (income to 4.70%) and the impact of government measures. The doubling of interest-free loan and the law very advantageous for investors, led a comeback, modest buyers. In agencies and sales offices, professionals observe a renewed animation. But "Spring is far from being back," cautions Christianr economics at odds. Especially, calculates economist at France, the aid "will not be sufficient to reverse the downward trend in prices."
Today, on the ground, "only sales at negotiated prices are realized," warned Bernard Cadeau, president . Especially as buyers, anxious and hesitant, "anticipate, even before signing a future correction the property value, "stressed Bernard Creamers and , the two co- Estate. But if prices began to adjust, "their decline is still far from enough," insists Claud. Hence the discount demanded by buyers, some very important - "Offers sassy" in the words of , director of the agency bosses decitent rooms in this 3-lesson Paris, offered at 530 000 Euro party at 450 000. In parts of France too, "the purge is sometimes so bleeding, "said That this 4-pieces proposed at 140 and 000 assigned to 105 000. In general, "what are the family apartments that suffer the most," says the boss of the study .
The crisis took hold. But all the departments are not housed in the same boat. If the inner suburbs of Paris continues to resist, now the great suffering. Of course, ), with a price drop of 12.3% (yoy), is the exception that proves the rule. But at the same time, the city considered the worst of , was down only 5.6% when , plunged by 22.4%. In this department, between the third quarter and fourth quarter 2008, lower prices would have reached 18%, according to data from 21.
trend recorded at the end of 200s'accentuer? In 2009, according to a study commissioned by notaries to des Hautes Etudes Commerciales, prices would fall an average of 5% in the departments of the first belt and 9% in those of the second.
minds pessimists believe that the Great Crown could contaminate the child. "It's been two years we predicted that falls abysmal, but I still see nothing coming, "tempers , notary at Montmorency.
While negotiating a loan in times of crisis is an art. Tips and tricks to get there.
Crisis forces, the first step to successfully negotiate the credit is to achieve ... get it! For this, we must apply some simple rules. The form, first, is important. "Many cases are rejected simply because they are incomplete or poorly presented, "says Brokerage. Please also do not run off too much time between the promise of sale and visit your banker, it might think he is the ultimate resort after a series of rejections. Avoid it!
On the merits, some indicators will be observed under the microscope: the regularity of income and expenses, no debt - particularly credit - are appreciated. Better also have a personal contribution. "This is even more fundamental that no bank should lend more than 100%, analysis. And this is the first point you need to make. "For
muscle and decrease your file note, please no longer appeal to the myriad of existing subsidized loans (interest-free loan, 1% housing, aid from local councils or departments ...). Many are accessible, even for households with a certain income level. If you plan to work, remember to incorporate them into the loan, you will benefit from mortgage rates, not that of a consumer loan, often higher. Other
Runway rates, of course. Play competition is the best way to save money. For this, it may be useful to consult, in addition to one or more banks, broker: comparing the offers, this expert can help you achieve the best possible price. Please note, however, the pitfalls: to compare the offers as objectively as possible, always ask to know the percentage rate, which aggregates the nominal rate, insurance, bond or mortgage, and the costs of folder.
few perks to help get out cheaply
Negotiate the loan term may however prove to be .
"Many banks have given loans to thirty years, testifies , Spokesperson for the online broker . And when this is not the case, they charge rates are very discouraging, that drive up the cost of credit. "Besides
loan itself, to some sides may also help get out cheaply. Example: insurance. Most of the time, the bank offers "insurance group" which, in case of accident, supports credit repayment. It costs an average of 0.3% of the cost of the loan, but you can pay up to three times cheaper by using an "insurance company". This is a product offered certain categories of borrowers (young, non-smokers, and generally people with little risk of an accident) by insurers. Be careful anyway: "Some of these assurances apply under very restrictive states . If you practice some sports, like skiing or sailing, or you're driving a motorbike, you may be excluded. "
last tip: ask to benefit from the modularity of deadlines. Clearly, there is a clause to renegotiate its subsequent monthly payments to increase or down, no extra charge. Although useful in case of sudden drop in income. But also - why not? - In case of unexpected promotion ...
Tenants, a priori, should rejoice: rising rents continue to settle. Their progress was achieved last year, averaging 1.5% to 2% in 2007. She was still over 5% in 2004, according to the observatory rents Clamor. But the slowdown is not necessarily good news: "It reflects the difficulties faced by individuals and raising fears of a crash market," said Michael, an economics professor in Paris and author of the study.
It translates in any case real deterioration of the situation. In about a city of 2 (43.8%), rents have actually declined, as in Paris or Toulouse. Some municipalities, as noted Clamor, recorded declines sensitive, like (- 9.4%). Others, conversely, are still strong gains, as (+14.3%).
region remains the most expensive (17.30 euros per square meter on average) while continues down the rankings (7.90 euros per square meter).
crisis, fall of the pound: it is now plain dismal in these regions of France yesterday invested by customers across the Channel. And professionals are languishing.
"Please leave a message after the beep. "The announcement is welcome, coupled in the language of Shakespeare on answering estate agents in Normandy, Brittany or the Dordogne, may soon be an anachronism. British customers, who since the early 2000s, rushed on the ancient stones of our countryside redolent of sweet France, is now conspicuously absent. The plunge of the pound against the euro - it has lost a third of its value in eighteen months - and the financial crisis with a lot of redundancies and evaporation market, these buyers have driven so beloved of estate agents: "They bought cheap, quick and cash, sorry Valérie Bénard, agency Century 21 in Brantome.
In the small Venice of the Périgord Vert, the British accounted for up to 70% of customers ... Proportion fell to 30% today. An agency has already put the key under the door at the end of last year. In the Black Perigord - Sarlat, Bergerac - where prices had peaked, the turnaround is even more brutal. "We lost half of Britons who were buying in the Dordogne, "says Charles Gillooley, head of the agency and Causses Vézère to Thenon Fnaim and chairman of the department. In the medieval city of Eymet, with over 10% of the population is native in Britain, agency has had to lower its flag Bergerac few months ago.
She is not alone: to Locminé, in Morbihan, Brittany Immobilier has ceased operations since September. In Lower Normandy, as English, specializing in transactions on behalf of his compatriots, is selling his own home, a probable prelude to homecoming! For not only the British are not buying, but some try to sell their property. A challenge in those areas where the market was mainly driven by ... the British.
When buyers do not scramble over, the only solution is a drastic drop in the price: "The English have sold last summer for 370,000 euros a big old house with a cottage and 1 acre of land, paid 500 000 euro three years ago, "says Frederick Oliver, head of the agency Century 21 in Bayeux. But for the professional, reasons for departure are not just economic : Retirees arrived a few years ago is sometimes difficult to integrate, especially when they are reluctant to learn French. The advancing age, become less alert, more sensitive to isolation, they want to find their roots.
The fall of their purchasing power - of pensions paid in pounds sterling for daily expenses in euros - succeeds in convincing them. Just as the collapse of the UK market. For if they had offered a cottage in the Normandy through the sale of their two-bedroom apartments in London, they can now expect to buy a home in their country the result of French investment! Provided you accept losing 20, 30 or even 40% of their initial
The Perigord broods
Eymet its 2600 inhabitants, its castle, its arcaded square ... and five real estate agencies. They were six months ago. In this medieval city in the south of the Perigord, the British are rooted in the 1970s, but the boom of the 2000s had seen young affluent couples reach normal retirement. Today, professionals are holding their breath awaiting the start of the tourist season, which saw buyers appear potential. One of them is not an illusion: "Throughout the region, we sell a house on 10, against 1 in 5 last year. "
Fetal Heart Rate Of 160 At 34 Weeks
Disbursements
All costs incurred by the undersigned on behalf of his client (cadastre, conservatory mortgages, surveyor).
Reflection period is the statutory period of 10 days available to the borrower to give his acceptance on the offer of credit.
Withdrawal period
See prior offer of credit.
Delegation insurance coverage
by an individual contract may be justified in two cases:
you are a very good risk, that is to say you're young and healthy, you situation and stable income from employment and can benefit from very favorable insurance conditions;
you're a bad risk for questions of age, health or dangerous profession, and insurance group, you covers poorly or a higher cost than insurance you may have purchased elsewhere.
You can have interest in both cases to negotiate with the bank that will grant you the loan, the transfer for the benefit of these guarantees. That is what we call the delegation of insurance. In practice, the delegation of insurance is generally used in case No. 2 (bad risk) than in the case No. 1 (very good risk), because insurance companies specifically seeking to reduce their risk by keeping good risks and eliminating the bad.
Deposit (rental)
deposit paid to the landlord by the tenant to cover risks related to leasing.
Grace
Through the purchase of a new home, a loan may include a grace period either:
-part: During this period, the borrower pays only interest, without repaying the borrowed capital (this period corresponds in principle to the duration of construction);
total: at the end of the grace period, repayment of principal and interest begins.
Divorce
There are various cases of divorce:
-if you agree with your spouse for divorce, you can file for divorce by mutual consent on joint application or request for a spouse with acceptance of others;
-if you disagree with your spouse for divorce, you can seek divorce for misconduct or breach of common life.
In all cases, counsel is essential for both spouses. However, in case of divorce on a joint application, you can by mutual agreement select a single lawyer.
mutation
Right Amount to be paid to the tax authorities by a person who receives property by gift, estate or pecuniary
Law Faculty of preemption to acquire property in priority to any other buyer.
EC (Housing savings account)
Any person may hold both a C. Peles and for the same transaction. This form of housing savings is very flexible compared to P. but it is much less efficient.
COS (coefficient of land use)
Sets number of
Cadastre
Cadastre is a document prepared at the municipal level that identifies all land and fixed their rental value as a basis for local taxes. Each hall has a service inventory that provides you with this document. The consultation documents cadastral town hall is free. See Real Estate Tax.
Deposit The deposit is the natural or legal person who undertakes to guarantee payment of a mortgage in the event of default by the borrower.
Planning Certificate
It is the main document Official intelligence on potential uses of land, as well as architectural constraints to be respected (shapes of roofs, windows, colored tiles), whether built or not. It can be obtained at the town hall. It is essential to obtain a planning certificate before any real estate transaction.
Communal Services
These are fees and expenses necessary for the proper functioning of a condominium. Each building has its own characteristics.
-borrower A loan agreement may be signed by a single borrower or a borrower and a borrower. In this case, they share a joint obligations of the loan agreement.
Soils (COS)
It lets you know the maximum number of buildable square meters over the ground surface. This is the Soil Map (SOP) which sets for each zone one or more COS
Sale agreement
The sales agreement (indenture or promise) is a term that corresponds to a legal a promise of sale. This is the first legal instrument that connects and engages both the seller and buyer. It is an outright sale. It can be either a deed signed before a notary or a private act.
Conditions Precedent contained in a preliminary contract (promise of sale or sales agreement), the conditions precedent shall suspend performance of the contract upon the occurrence of an event. The contract will take effect only when the upcoming event will happen.
Union Council is composed of owners appointed by the General Assembly and its purpose is the preservation of the building and Public Administration. It assists the agent and control its management.
Contract Construction House Detached (CCIC)
This contract is strictly governed by rules of public policy designed to protect the client developer. It is essential that any person who is responsible for building a house with no more than 2 units for the customer, according to a plan he has proposed.
ADI
Départementalsur Housing Association.
ANAH (Agency National)
ANAH subsidizes improvements made in housing located in buildings completed over 15 years belonging to private owners, hired as a principal residence and subject to additional tax law lease, or exempt from it because of the amount of rent.
personalized housing (AP)
It is an aid to the person intended to reduce the housing costs of its beneficiaries.
Deposit
Housing Associatio.
acquests
In the community of acquisitions, property that spouses have before marriage are considered separate property (belonging exclusively to each of them) and those acquired during the marriage as acquisitions (acquired under the plan).
Deed Sales
Act drafted by a notary public (notary, bailiff) defining the rights and obligations of the parties to formalize property sales. In contrast: a private document.
the Mortgage Contract by which a debtor gives his creditor an asset, a portfolio of securities etc. ... as collateral for a loan. The act of pledging is required to be served by a bailiff, but its cost is lower than a mortgage.
private deed
Act drafted and signed by the parties does not require the validation of a public officer. This term is opposed to notarial or authentic.
Award Award by the judge or by a public officer (notary) of a building put up for auction.
Property manager
The purpose of the property manager is to manage all or part of the component assets.
estate agent
It conducts real estate transactions. The estate agent is brought one hand to intervene in the conclusion of legal acts and secondly to handle large funds.
Housing Allowance (A)
This allocation allows families to reduce housing costs, under certain conditions.
Personal contribution
The acquisition, construction of a dwelling or important tasks often require a loan. In most cases, a personal contribution is required. This amount is used to finance part of your property investment. Please note, notary fees and guarantees are not funded by the lender
Architect The architect is a real estate professional who works on a construction project or renovation. It prepares, controls, directs and evaluates the work costs.
Deposit Amount of money paid when a sale or booking a rental (seasonal). She is credited towards the price anticipated when the person who paid it confirms his choice, or it is lost if the person changes his mind. Furthermore, the person who received the deposit must return double what she earned if ever it was she who withdraws.
General Assembly owners
The General Assembly includes all owners, everyone has an equal right to participate.
Please note, the seller, who still owns, has the right to vote for major repairs that remain be responsible for the acts and provisions (eg sale of a common part)
Insurance (or job loss)
Insurance guaranteeing the borrower's repayment of part deadlines in case of unemployment. It is subject to strict criteria.
Death Insurance Disability / Disability
It ensures support of all outstanding amounts (in case of death or disability absolute and final) or refund deadlines (for the period of incapacity or permanent disability, total or partial). It is required by the lender for any subscription to a home loan.
Insurance liability and damages
work-work-life insurance allows the purchaser when a disorder is found and returned in the area of damage guaranteed to get compensation without having to search the manufacturer's responsibility.
FICP
is the national register of incidents of repayment of loans to individuals. This file is managed by the Banque de France, which centralizes the one hand incidents Payment characterized individuals associated with credits and other measures adopted by the review boards deainsi situations that civil judicial remedies
Agency fees are calculated by percentage of the amount of real estate transaction. The fare is free and subject to a legal obligation to display in the window. If they are included in the amount of real estate transaction, they can be financed by the lender.
handling charges are billed by the establishment financial lender for the study and establishment of a mortgage.
release fee if you sell a house before the end of the loan payments or less than 2 years after the last installment, we must, if the property is mortgaged or secured by the lien of lender of money, obtain release from the registrar of mortgages
Warranty biennial
Guarantee biennial (or performance warranty) covers items of equipment not incorporated, as opposed to elements construction covered by the ten-year guarantee. Its duration is 2 years from the date of receipt of the work.
guarantee perfect completion
covers for a period of one year (from date of acceptance of work), apparent defects or faults have been recorded in official reserves Proceedings of receipt, and / or disorders appeared after the receipt of any kind.
Decennial
This warranty covers all mandatory construction defects compromising the strength of the work or making it unsuitable for its purpose for 10 years. This warranty also covers any damages that affect the strength of equipment components are inseparable from the building. The starting point of the ten-year guarantee is the receipt of the house by the Owner
Mortgage The mortgage is used to guarantee payment of a debt on a property. This ensures that is the most frequently requested. It can be taken irrespective of the good. If the property on which the guarantee is taken there (old or new closed), for reasons of cost, it is better to register a lien lenders of money.
solidarity tax on wealth (ISF)
are indebted to the solidarity tax on wealth individuals, whatever their nationality, owners of the date of 1 January 2002 of a taxable assets whose net worth exceeds € 716,510, their tax residence is located in France or abroad. The person is tax resident in France soumis.SF on all of its assets located in France and abroad.
Undivided
This formula allows acquisition of unrelated persons to share ownership of a dwelling. It is distributed either equally (each has half) or unevenly (one has 70%, the remaining 30% for example).
Act Besson Besson
The device allows you to invest in real estate (new or old) to view and benefit from rental real tax benefits. One of its main features is to have an indefinite life. To claim the benefit of this system came into force since 1 January 1999, the buyer must make a binding agreement to rent the unit under certain conditions (status of the Lessor agreement).
Carrez law
This law aims to improve the protection of purchasers of condominium lots by establishing a security area. It requires the seller to inform buyers about the size of the lot sold by a reference to appear in the first act signed.
Act
In the 3 objectives: to develop a procedure for prevention of problems families and more responsible lenders and borrowers (Act applies only to natural persons).
Act
This law allows for a real estate investment (new housing purchased turnkey e and at rental purpose. This device allows the buyer to benefit from tax reduction. Beware, since 1 January 1999, the Ballast replaced by the Act Besson with a limitation of tax benefits. See Besson Law.
Act
This is a tax exemption scheme. This law s address to individuals wishing acquire a new property, profit rental (minimum 6 years) in the DOM-TOM. The investment allows for a tax of 45% of the total purchase price.
Eligible sectors are: industry, fishing, hotels, tourism, new energy, agriculture, construction and public works, transport, crafts, maintenance for the benefit of industrial, production and broadcasting and film and making the necessary investments to operate a public service concession to local industrial or commercial character.
This type of investment is for tax households with higher income tax bracket is around 50% or more
Act
The law called Lo, No. 79-596 of July 13, 1979, is part of the Consumer Code. 312-1 et seq.) It aims to protect consumers against the dangers of credit.
It raises the mandatory rules that limit freedom of contract regarding real estate lending. It applies to all loans for the purchase of buildings for residential or professional use and housing, buying land for building, renovations, or construction for an amount greater than € 21,343. Whatever the purpose of the transaction, or investment house.
Formal notice
The formal recognition is a delay by the debtor in the execution of an agreement.
Nu-owner
The owner of property subject to a usufruct is known as the bare ownerLoan Offer (or: prior offer of credit)
See Act.Your loan application must be filed with the lending institution of your choice.
latter to you, free by post, an offer of loan whose content is regulated. This job calls the credit for thirty days or more after receipt
PAP (Ready to Help the Property)
The decree of September 29, 1995 removed the introduced and the 0% rate Loan Department housing. See Loan at 0%
EP (Housing Loan Savings)
Savings housing is to encourage savings for obtaining a mortgage on favorable terms, to achieve a project purchase or construction of a housing. It may be a primary or secondary residence, provided that it is new and personal or family use. It can also allow you to fund research in a primary or secondary residence, though it is forbidden to work and simultaneously fund the purchase.
Soil Plan (POS)
The SOP is a document available in City Hall, which establishes the planning rules applicable to the territory of a municipality and it allows you to organize and plan its development. As it gives you a way to know if a property is buildable or not and it indicates the future destination of each plot municipal territory. It is developed on the initiative of Commons but the law does not oblige them to adopt such a document. Currently, more than 15,000 municipalities have approved a POS
Ready
Under a floating rate loan, the increase rate is limited by a contract or more least 1.5, 2 or 3 points from the starting rate. Example: The starting rate is 4.7% with a cap of 2 points, the rate will not surpass the 6.7%.
Guaranteed Loan
The mortgage bonded you can significantly reduce costs by avoiding the costs guarantees making mortgage and release. It involves a specialized institution in the bond such as the Housing Credit. We can cite other specialized companies such as: the Bank for (group credit unions), for the Crédit Agricole.
Privilege of the money lender (PPD)
There are two kinds of collateral: the conventional mortgage lenders and the privilege of money. PPD can only apply to existing properties, it can not be used plan for sales (Sale in Future) or to build a house.
Promise sales
The promise of sale is the legal term for the sale agreement. It exists in two forms: - bilateral engagement of 2 parts called indenture agreement or promise of sale - a unilateral commitment to selling only the owner agrees to sell the property to the beneficiary under the terms proposed.
SPR (special reserve)
It is mandatory for companies with over 50 employees and having positive results (net profit after tax of more than 5% of equity - Law of November 7, 1990).
Regulations condominium
It must be established for all condominium. Its purpose is to determine the destination of the units as common areas, to determine the conditions for their enjoyment and to indicate the rules governing the administration of the common.
Liability
part of their business, real estate agents, administrators of property .... should be insured against the consequences of their mistakes, causing harm to others. This is the PII (Professional Liability).
SHON / SHOB
Off The surface (meaning outside of) to calculate the size Excluding Net (SHON). This surface is the basis of calculating fees in the construction (building permits) as well as various fees related to building (residence tax, local tax of equipment).
Easements The property right has limits called easements. The easement is attached to a building and not the owner of a building. Each owner will comply. It may benefit or suffer the consequences
APR (annual percentage rate)
It measures the total cost of a loan. It includes the loan interest, administration fees, insurance fees and expenses which may arise directly or indirectly in the operation.
rate is a variable rate which may not exceed a certain limit or fall below a certain level set in advance.
Fixed Rate Loan interest rate undergoes no change during the life of the loan.
Variable rate (or variable)
interest rate loan that is moving upward or downward based on a defined index. It is a cheaper option initially, but with a more flexible risk
Property Tax
It is caused by the individual owner on January 1 of the tax year. In case of sale of the property, the seller and the buyer may provide in the deed of sale, the tax sharing between them.
fee is due in principle by any occupant of a furnished apartment, either as owner or tenant living in the dwelling on January 1 of the tax year .
Usufruct
The usufruct can be defined as the right to enjoy something belonging to others, provided you keep this thing. The beneficiary of the usufruct is known as the usufructuary. The usufruct can be granted for a specified period or for life. The owner of property subject to a usufruct is known as the bare owner.
sale (off plan)
Any sale of a building to be constructed and the land must be governed either by a contract of sale in the future state of completion, whether under a contract of sale forward. VEFA by the purchaser becomes the owner of the ground immediately and constructions already completed and the owner of the building to come as and when progress
Arkwright
A latent defect is a default we can not detect in carefully examining the property (movable or immovable), without needing to use the services of an expert. When a latent defect renders property unfit for its intended use or that it significantly reduces the use of the property buyer may have recourse against the seller. A latent defect can affect both personal property (automobiles, appliances) a building (house, apartment).
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