vivre ?

fr | en
Le blog
Where you want to live ?

Le Blog

Posted on 02/11/22 Nanda Vigo, the inner space
Nanda Vigo, the interior space is an exhibition, which highlights the work of the artist, Nanda Vigo (1936-2020), unclassifiable pioneer and important figure of the Italian avant-garde, through immersive installations. It uses architecture, art and design to show the public all aspects of her work. It is not only an exhibition representing a chronological evolution of her career, but also an experience that allows to live the whole out of frame dimension of her work. By playing with the effects of transparency and reflections, glass, aluminum, mirrors and neon lights, the privileged materials of his work, change our perception of space and solicit our senses. An unusual place Moreover, the exhibition takes place in an unusual place, indeed in 1880, the City installs the police services and builds a prison, where we can still see the remains of it today. Museum of Decorative Arts of Bordeaux in 1880 - 39 Rue Bouffard
Agency of Bordeaux
The 1970s-1980s are particularly fashionable and finally in the air, and a very simple way to bring it back into your home is none other than the mirror.Iconic object of design and decoration, it is particularly interesting to redesign the spaces of a room and give an impression of grandeur, but also to reflect the light. The 1970s-1980s can be found in colored, wavy, curvy mirrors... Ateliers Lofts & Associés presents you its selection !
Agency of Bordeaux
The maximum APR at which banks are allowed to lend money was raised on October 1, but the rates charged by banks have risen in the wake, brokers warn. What is the usury rate? The rate of usury, also called "threshold of usury" is defined as the maximum annual effective rate (TAEG) at which a loan can be granted to an individual by a credit institution. Any loan offered at a higher rate is considered usurious. The usury rate is regulated by article L314-6 of the French Consumer Code. It is set up by the State in order to protect borrowers from possible abuses by banks and credit institutions. How is the usury rate calculated? The usury rate depends on the type of loan, the amount and the duration of the loan. A distinction is made between consumer loans and real estate loans. For example, home loans and construction loans of more than 75,000 euros are divided into five categories: Fixed-rate loans with a term of less than 10 years; Fixed-rate loans with a term of between 10 and less than 20 years; Fixed-rate loans with a term of more than 20 years; Variable rate loans; Bridge loans. To calculate the usury rate for a certain category of loan, the Banque de France takes the average effective rate charged by credit institutions during a quarter, and increases this rate by one third. The resulting figure is the usury rate for the following quarter. What is the usury rate in 2022? For example, the average effective rate charged in the 3rd quarter of 2022 by credit institutions for real estate loans of more than 75,000 euros with a duration of 10 to 20 years was 2.27%. Consequently, the usury rate for these same loans in the 4th quarter of 2022 is 3.03%. Rates for real estate loans and loans for work over 75 000 euros Average effective rate inQ3 2022 Usury rate applicable on October 1, 2022 Fixed-rate loans with a term of less than 10 years 2,27% 3,03% Fixed-rate loans with a term of between 10 and less than 20 years 2,27% 3,03% Fixed rate loans with a term of 20 years or more 2,29% 3,05% Variable rate loans 2,19% 2,92% Bridging loans 2,55% 3,40% When is the usury rate updated? The usury rate is published in the Official Journal by the Banque de France at the end of each quarter for the following quarter. It is also posted in the "Rates and prices" section of the "Statistics" category of the Banque de France website. The usury rate is detailed for all categories of loans. Who sets the usury rate? The usury rate is set by the Banque de France, which is the central bank of France. Indeed, the Banque de France has monetary, financial and economic missions. Among the services to the economy, we find the protection of households against overindebtedness. As part of the Banque de France, the Autorité de contrôle prudentiel et de résolution (ACPR) supervises the activities of banks and insurance companies. How not to exceed the usury rate? In the eyes of credit institutions, certain borrowers present an increased risk of default. This is the case of the elderly or of certain people practicing a risky profession. The interest rate applied to them then exceeds the usury rate, and the bank refuses to lend money. To avoid this excess and to be able to benefit from a loan, it is possible to play on the APR (annual effective rate of insurance) by subscribing a less expensive loan insurance in a different establishment. Penalties for exceeding the usury rate Article L341-50 of the Consumer Code provides for penalties for credit institutions that exceed the usury rate. Usury is punishable by 2 years in prison and a fine of 300,000 euros. The conviction may be accompanied by other penalties, such as a ban on certain professional activities for up to 5 years. Source text and photo credit: Le Figaro Immobilier, 07/10/22
Real Estate Advice
Agency of Biarritz
Remember, our previous article was about the Maison&Objet show that took place in early September. This time, we focus on the 2023 trends that emerged! The September edition, themed Meta Sensible, saw a return to sustainable materials with dazzling colors. Elisabeth Leriche, a trend hunter, declared "Color is asserting itself as a powerful antidote to the incessant backlash of crises but also to a trend towards the standardization of international aesthetic codes. As for François Bernard, member of the Observatory of the show described the edition of "Utopia Now": "Color simplicity, joy of living, poetry [...], sign a need for resilience, reset, search for meaning. This utopia of possibilities is a desirable description!" The punchy colors of the 1970s and 80s are making a comeback, especially blue, green and orange. Ecological and sustainable materials are expected, such as recycled plastic, ceramics, sourced wood, but also metal, steel etc. And you, which trend would you be ready to adopt? Dare to use color!
Agency of Bordeaux