Many families want to invest in the real estate, but are confronted with certain concern and unforeseen when they decide to pass to the act. That is explained by the fact why the legal texts in force in the field are rather difficult to assimilate or with the choice of the city.
Risks related to the investment
According to studies which were conducted recently, France counts nearly an about sixty cities which are not adapted for the investment within the framework of the law Scellier. This is due to the fact that the offers in the field of the real estate are much more important there than the demand for hiring.
The principal constraints here it is that the owner of the good must have rented it at least during 9 years, but must also respect a ceiling on the rent which is granted. In this precise case, the investors who chose to make a placement within the framework of this law do not manage to find tenants.
So they have some difficulty at the financial level, because it is necessary to pay the monthly payments related to acquisition whereas there is no money re-entry. They are then in the obligation to sub-lease their goods and others are even constrained to resell.
The Councils for the investors
There exist various easy ways which could help the investors, but the best solution is to choose a city which has a potential raised for this kind of investment. For that, it is initially necessary to have a good strategy. The latter will be especially centered on the calculation of the loan to make and the determination of the monthly payments of refunding.
The investor can also choose between two options in the Scellier device where first is to choose the tax cut which is of 13% of the full amount of acquisition. But there is a ceiling which it is necessary to respect about 300,000 euros. The great characteristic of this option is the duration of tax cut, 9 years. In this context, there is a ceiling on the rent which must be respected by the owner.
The second option, as for it, is the tax cut up to 23% of the amount of the purchase. The ceiling is the same one as for the first choice except that here the reduction is distributed over 15 years with a rent which is also struck of a deduction of 30%.
Be attentive with your real estate project in 2012
The acquisition of a rental real estate must be preceded by studies and analyses as it will be the case for the acquisition of a main home. Various criteria are thus to respect in order to attract the tenants where the first thing to be known is if the district has a good program of public transport. A difficult district of access indeed will not interest many people.
Then, the proximity of the schools, local governments and trade would be a considerable asset just like the environment around the building, i.e. a place calms or not. And finally, there is the typical location of housing: lighting, furnishs…
In parallel, there are already the CEPI or Cell real Study of the Projects which published the existence of an imbalance between supply and rental in 40 communes. It thus remains with the investors only to consult this list to choose where to invest. |
