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Mention must be made of the distinction between real rates and nominal rates. The nominal rate is the percentage of interest that formally appears in the contract and which regulates the home loan operation. In reality, however, the effective cost of the loan is inevitably conditioned by a whole series of other factors: first of all, by various expense items  (survey, review and closure expenses; collection or encashment expenses; third-party agency costs; tax and insurance expenses; othe

Il est utile d’évoquer brièvement la différence entre taux réel et taux nominal. Le taux nominal est le pourcentage d’intérêts qui paraît décidé formellement dans le contrat et sur lequel l’opération de crédit est gérée. En réalité, le coût effectif de l’emprunt est cependant inévitablement conditionné par toute une série d’autres facteurs: tout d’abord par différents éléments de frais (frais d’enquête, de révision, de clôture; frais de recouvrement ou d’encaissement; frais de médiation p

From the historic and regulatory point of view, the joint-stock company is the prototype of the company with share capital whose body of rules apply to the limited partnerships with share capital (s.a.p.a.), with which it is compatible, and in some respects they are very close to the rules that govern the limited liability company, which however makes little reference to the rules on joint-stock companies, which consequently do not directly apply. The joint-stock company (s.p.a.) differs fro