Becoming a homeowner is the dream of 92% of French people. Owning your principal residence is a strongly held idea in France and it is undeniable that it provides several advantages:
Stone-box, real estate agency new generation offers a diversified offer if you are looking for your main residence or your pied à terre, do not hesitate to contact us.
You want to make a real estate investment and suddenly you ask many questions: new or old, naked or furnished, manage yourself or manage, what are the costs and possible surprises?
Some ideas for reflection:
Which financial arrangement to choose ?
It will often depend on your contribution, credit in fine or conventional credit
If you make a real estate investment for rental purposes, you can deduct all the interest on the land income you generate, which will allow you to tax the rent. In this case, the interest will not be “lost”.
Rent bare or furnished?
It will be necessary to study the gross annual rate of return of the flat rented naked or furnished. In many cases the furnished rental has a better rate due to a higher rent and a more favorable taxation but there is a risk of more frequent tenants and a larger rental vacancy and departure fees more high.
How to choose your real estate investment? ?
A question to ask yourself about the success of your investment is: “Where do I have the most interest in investing? Which are the cities, the most promising areas in France? “.
The choice is made first of all according to a budgetary reality, but also of the target (students, young couples) and the location (transport services, school)
Do not omit the ancillary costs?
In addition to the purchase price and notary fees, there will also be renovations if the property is to be renovated (many aids exist), management fees if you entrust to an agency (they are fully deductible) , the subscription of a GLI (guarantee of unpaid rents also deductible), non-deductible expenses, any future work (well study meeting minutes)
During a real estate transaction, the seller is subject to a number of legal obligations. he must provide the following documents:
This is one of the first questions you should ask yourself before buying: how much is the total budget of your acquisition.
You have to study 3 different things to know how to finance the purchase of your house or apartment :
The diagnoses are a “technical” sheet of the building,
Object | Well concerned | Element to be controlled | Validity |
Lead | Residential building (building permit prior to January 1, 1949) | Paintings | Unlimited or one year if positive report |
Amiante | Immeuble (permis de construire antérieur au 1er Juillet 1997) | Parois verticales intérieures, enduits, planchers, faux-plafonds, canalisations | Illimitée |
Termites | Immeuble situé dans une zone délimitée par le préfet | Immeuble bâti ou non | 6 mois |
Gaz | Immeuble d’habitation ayant une installation de plus de 15 ans | État des appareils fixes et des tuyauteries | 3 ans |
Électricité | Immeuble d’habitation ayant une installation de plus de 15 ans | Installation intérieure : de l’appareil de commande aux bornes d’alimentation | 3 ans |
Assainissement | Immeuble d’habitation non raccordé au réseau collectif d’égout | Contrôle en vigueur au 1er Janvier 2013 | |
Risques | Immeuble situé dans une zone couverte par un plan de prévention des risques | Immeuble bâti ou non | 6 mois |
Mérules (champignon) | Immeuble situé sur des zones potentiellement contaminées et dites« à risque », lesquelles sont déterminées par arrêté préfectoral. | Déformation et bombement du bois, présence de blanc ouaté plus ou moins epais | 6 mois |
Performance énergétique | Immeuble équipé d’une installation de chauffage | Consommation et émission de gaz à effet de serre | 10 ans |