home_loan

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France's home-loan rates this month (L'Observatoire Crédit Logement/CSA, per 15, 20 and 25 years, excluding insurance) and, as asked: what a household can borrow (income_monthly: payments, insurance included, at most 35 % of net income less its other loans, the HCSF rule), and the budget it buys with its down payment once the purchase costs are paid; what a price (or a loan amount, loan) costs a month over each length, the income it needs at 35 % and the debt ratio it makes, with a PTZ beside the bank loan (ptz, at 0 %); a rate a bank offered (offered_rate, offered_years: a nominal rate excluding insurance, not a TAEG) against the market's for that length, its monthly payment and what the difference costs over the loan; a bridge loan on the home being sold (bridge_value): its amount and monthly interest. Purchase costs: notary, guarantee and fees, 8 % of the price for a resale, 3 % for a new home (new_build), unless purchase_costs is given (0 when the developer pays them; for a plot and a build contract, about 8 % of the plot only). Insurance: 0.30 % of the loan a year unless insurance_rate says otherwise.