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Manager of the PAYS-BASQUES & LANDES agencies
After business school and a postgraduate diploma in marketing, Julie honed her skills as a fine negotiator with major groups such as L'Oréal, Unilever and Laboratoires Expanscience. 15 years ago, she was offered the chance to try her hand at corporate real estate...
Far from the world of beauty and well-being, she now invests in warehouses, workshops, offices, etc. These unusual sites gradually lead her to the Ateliers Lofts & Associés group, which she decided to join 13 years ago by developing the agency of the same name on the Basque coast. Sensitive to architecture and design (with a soft spot for the 70's), she practises her profession relentlessly, with passion.
In July 2020, still with the same fervour, Julie decided to open a new agency in Capbreton in order to meet the growing demand in the Landes.
She took the gamble of finding remarkable properties inland and working on architecture not far from the ocean, thus covering a large area.
A successful gamble! Many of our clients, both buyers and sellers, have placed their trust in us in this area, which is full of architectural nuggets!
Hyper-active and in search of sensations, she does not hesitate to risk extraordinary experiences with 2 "Roses des Sables" trophies and a trek in the Moroccan desert to her credit. Next challenge: The Aicha des Gazelles rally in September 2021.
Marketing and Sales Coordinator / PAYS-BASQUE & LANDES AGENCY
Originally from Palaise, Edith settled on the Atlantic coast, between the Landes and the Basque Country, more than 20 years ago. After her studies in sports marketing, she worked for 10 years with two major surfing companies, where she made her mark in the communication and event management sectors.
To contribute to the development of the Biarritz agency by putting her experience to good use, she joined her elder sister, the manager of the structure, 7 years ago. Creating events, developing communication tools, supporting the team in sales... Multiple actions for the benefit of the agency, always carried out with the utmost rigour!
Negotiator / PAYS-BASQUE AGENCY
Morgane, this (very) active young woman grew up on the Basque coast, a region she is particularly fond of.
After 10 years in the telephone industry, and after her first acquisitions, she naturally turned to the world of real estate by joining the Biarritz agency 6 years ago. "As the oldest member of the sales team, she knows her job and her sector inside out. She is the queen of estimation!
On the lookout for the slightest good deal, Morgane is THE most connected member of the team! Call on her know-how, she will find the rare pearl for you.
Negotiator / PAYS-BASQUE AGENCY
A native of the region, it's not unusual to come across Manon in the alleys of Bayonne, the city she loves above all else.
After studying business and gaining experience in the professional world, Manon obtained a Bachelor's degree in "Real Estate Business Management". She chose Ateliers Lofts et Associés to complete this work-study programme. Once she had her diploma, she decided to join the Biarritz agency for good.
Sporty, dynamic and an outstanding prospector, at 26 years old, she is the freshness of our team in Biarritz.
Negotiator / PAYS-BASQUE AGENCY
Originally from Bordeaux, Juliette is our latest arrival within the structure. As part of her master's degree in commercial strategy and performance, Juliette will first join the Ateliers Lofts et Associés agency in Arcachon on a sandwich course. She will be in charge of seasonal rentals for 2 years. She then decided to continue her studies by doing an MBA which she validated thanks to her 7 months experience abroad.
Back in France, firmly attached to our brand, Juliette is going to start selling this time by joining the Biarritz agency!
For the past 3 years, she has been criss-crossing the Basque Country in search of unusual places.
A keen traveller, photographer and decorator, Juliette is THE creative touch in our team.
Negotiator / LANDES AGENCY
At 22, Noémie is the youngest member of our team. With a DUT in marketing techniques in her pocket, she decided to extend her schooling by joining a Bachelor's degree in Real Estate in early September 2019 in Bayonne.
Greatly attracted by the Ateliers Lofts et Associés concept, she naturally turned to our structure in order to do her work-study. This budding negotiator, sensitive to interior design, will share her time during a year between school and learning the trade with us.
Negotiator / PAYS-BASQUE AGENCY
Originally from Australia, Jack, 49, is the latest addition to our all-girls team in Biarritz.
His background: after spending 8 years in the world of finance at the Sydney Stock Exchange, this former trader decided to devote himself fully to his passion: rugby. An amateur player at the time, he was recruited in 2000 to play for Biarritz (Biarritz Olympique) and then for Section Paloise as a professional. He then became a coach for 12 years: 10 years with the B.O. including 2 years as team manager / 2 years with the Hong Kong club (Vallee RFC).
Today it is a new future that is taking shape for this former high level sportsman who chose the world of real estate for his reconversion. Attached to the concept and values of Ateliers Lofts & Associés, it was an obvious choice for him to join our brand.
Passion, determination, perseverance and humility are the values that characterize Jack and that make this new collaborator with an atypical background, an outstanding teammate!
Negotiator / LANDES AGENCY
Carole, an explosive Basque-Landes mix! With a diploma in architecture (DPLG) in her pocket, she worked for 10 years in two architectural firms in Toulouse. This dynamic young woman who is particularly fond of the world of design and art decided to settle down with her family in Hossegor, an area she knows perfectly. It is with enthusiasm and motivation that she decided to participate in the Landes adventure Ateliers, Lofts & Associés in July 2020. One year later she does not regret her choice... quite the contrary!
Negotiator / LANDES AGENCY
Marie-Julie will join the Ateliers Lofts et Associés Capbreton team when the agency opens in July 2020.
This young woman of 33 years old, originally from the Aveyron region, graduated from the Montpellier business school and first worked in the telephone sector as a salesperson.
After a 6 month stay in Australia to improve her English and see the country, M.J (as she is known) settled on the Atlantic coast where she first joined a local press group and then moved into the real estate sector. After 5 years spent within 2 large brands and strongly attracted by the unique concept of our brand, she decided to join our group to put her experience to good use.
This passionate dancer/yoga/pilate trio, traveller and decorator will accompany you in a very professional way in all your real estate projects.
Connaître la valeur de votre bien selon le marché
pour vendre votre bien immobilier.
Soyez les premiers à recevoir automatiquement
nos nouvelles annonces immobilières.
Trouvez un bien unique selon vos critères de recherche
grâce à Ateliers Lofts et Associés.
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.
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
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 !
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.
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:
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.
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%.
| Average effective rate in Q3 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% |
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.
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.
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.
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
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!