To break real estate records and sign for the best price, it's essential to put in place a training plan based on effective acquisition techniques. Whether you're looking to take part in an interactive sale on "36 heures immo", boost your down payment, buy bare ownership, sign an occupied life annuity, set up a joint-ownership arrangement or invest in an SCI, your notaire can guide you towards the best strategies for buying at lower cost. Your notary's personalized advice will be tailored to your specific objectives, whether you intend to live in the property, rent it out or stay in it occasionally. Take advantage of proven techniques to optimize your real estate investment with an interactive sale, and benefit from the best purchase conditions.
To break real estate records and sign for the best price, it's essential to put in place a training plan based on effective acquisition techniques. Whether you're looking to take part in an interactive sale on "36 heures immo", boost your down payment, buy bare ownership, sign an occupied life annuity, set up a joint ownership arrangement or invest in an SCI, your notaire can guide you towards the best strategies for buying at the lowest cost. Your notary's personalized advice will be tailored to your specific objectives, whether you intend to live in the property, rent it out or stay in it occasionally. Take advantage of proven techniques to optimize your real estate investment with an interactive sale, and benefit from the best purchase conditions.
Buy a house at auction: optimize your real estate purchase
High-performance housing at low cost. If you want to buy a house at auction and live in it for less, there are two ways to limit your budget effectively.
- Buy at auction with 36 heures immo: make your bids online
If you want to set your purchase price on the basis of an attractive offer, the interactive sale is the ideal solution. The transaction is based on online bidding on platforms such as www.36h-immo.com. All you have to do is consult the numerous ads available and visit the property before confirming your intention to participate. Once you have submitted your financing plan, the notary will authorize you to participate in the online bids. The sale lasts 36 hours, allowing you to make up your mind according to your interest in the property and your financial means. Depending on the dynamics of the bidding and the quality of your financing plan, you may win a house for less than its market value.
- Boost your downpayment for a successful property purchase
Banks generally require a down payment before granting a mortgage. This represents around 15% of the purchase price of the property. Virgil, a French fintech, can provide this deposit in exchange for 15% of the property, to be held until resale, no later than 10 years after purchase. This is not a loan, but a capital advance.
Family generosity can also be put to good use. Your parents or grandparents can make a shared donation or a gift of money to help build up this down payment.
Buy a house at auction: optimize your real estate purchase
High-performance housing, low-cost residence. If you want to buy a house at auction and live in it for less, there are two ways to keep your budget in check.
- Buy at auction with 36 heures immo: make your bids online
If you want to set your purchase price on the basis of an attractive offer, the interactive sale is the ideal solution. The transaction is based on online bidding on platforms such as www.36h-immo.com. All you have to do is consult the numerous ads available and visit the property before confirming your intention to participate. Once you have submitted your financing plan, the notary will authorize you to participate in the online bids. The sale lasts 36 hours, allowing you to make up your mind according to your interest in the property and your financial means. Depending on the dynamics of the bidding and the quality of your financing plan, you may win a house for less than its market value.
- Boost your downpayment for a successful property purchase
Banks generally require a down payment before granting a mortgage. This represents around 15% of the purchase price of the property. Virgil, a French fintech, can provide this deposit in exchange for 15% of the property, to be held until resale, no later than 10 years after purchase. This is not a loan, but a capital advance.
Family generosity can also be put to good use. Your parents or grandparents can make a shared donation or a gift of money to help build up this down payment.
Take advantage of the buyer's market
With the replenishment of property stocks, buyers now have more choice and can take into account their search criteria. Falling prices, particularly outside the Île-de-France and French overseas departments, and lower lending rates (averaging 3.81% in April, likely to be around 3.5% by summer), offer additional opportunities to buy a home at auction at a bargain price.
By following these strategies, you can optimize your real estate purchase, buy a house at auction at a competitive price and benefit from the best financing conditions thanks to a well-managed down payment.
Take advantage of the buyer's market
With the replenishment of property stocks, buyers now have more choice and can take into account their search criteria. Falling prices, particularly outside the Paris region and the French overseas departments, and lower lending rates (averaging 3.81% in April, likely to be around 3.5% by summer), offer additional opportunities to buy a home at auction at a bargain price.
By following these strategies, you can optimize your real estate purchase, buy a house at auction at a competitive price, and benefit from the best financing conditions thanks to a well-managed down payment.
Optimize your real estate investment with occupied life annuities and bare ownership
Performance for investment, maximize profitability. Investing in real estate is fertile ground for building a solid estate. To diversify your investments in real estate without taking too many risks, explore these two sure-fire options: buying an occupied life annuity and buying bare ownership.
By following these occupied life purchase and bare ownership strategies, you can diversify and maximize the profitability of your real estate portfolio while minimizing the associated risks and costs.
- Negotiate an occupied life annuity purchase: pay 70% of the price in cash only
If you're considering a profitable real estate investment, an occupied life annuity is an option worth considering. This method enables you to become a homeowner with a small initial outlay, often without the need to take out a loan. In an occupied life annuity purchase, the purchase price depends on the lifespan of the seller, who continues to reside in the home until his or her death. This type of transaction offers a discount of around 30% on the price compared with a conventional sale. In addition to the initial payment, a periodic life annuity is paid, calculated on the basis of the seller's age and life expectancy, the value of the property, and the amount of the bouquet. A significant advantage of the occupied life annuity is the absence of rental management and maintenance, as the seller retains these responsibilities until his or her death.
- Opt for bare ownership: buy in two stages
Bare ownership is another effective strategy for optimizing your real estate investment. By acquiring bare ownership of a property (house, apartment), you obtain a 25 to 40% discount on the property's market value. For the predefined duration of the dismemberment (often 10 or 20 years), the usufruct is held by a third party, who occupies the property, rents it out and carries out routine repairs. Major repairs remain the responsibility of the bare owner. At the end of the dismemberment period, you regain full ownership of the property at no additional cost. This method has several advantages: acquisition costs are calculated on the value of bare ownership, thus reducing initial costs. In the event of a transfer, only the value of the bare ownership is taken into account for inheritance tax purposes. What's more, bare-ownership investments are not taxable under the Impôt sur la Fortune Immobilière (IFI). However, unlike rental investments, bare-ownership purchases do not entitle you to receive rental income for the duration of the dismemberment.
Optimize your real estate investment with occupied life annuity purchase and bare ownership
Performance for investment, maximize profitability. Investing in real estate is fertile ground for building a solid estate. To diversify your investments in real estate without taking too many risks, explore these two sure-fire options: buying an occupied life annuity and buying bare ownership.
By following these occupied life purchase and bare ownership strategies, you can diversify and maximize the profitability of your real estate portfolio while minimizing the associated risks and costs.
- Negotiate an occupied life annuity purchase: pay 70% of the price in cash only
If you're considering a profitable real estate investment, an occupied life annuity is an option worth considering. This method enables you to become a homeowner with a small initial outlay, often without the need to take out a loan. In an occupied life annuity purchase, the purchase price depends on the lifespan of the seller, who continues to reside in the home until his or her death. This type of transaction offers a discount of around 30% on the price compared with a conventional sale. In addition to the initial payment, a periodic life annuity is paid, calculated on the basis of the seller's age and life expectancy, the value of the property, and the amount of the bouquet. A significant advantage of the occupied life annuity is the absence of rental management and maintenance, as the seller retains these responsibilities until his or her death.
- Opt for bare ownership: buy in two stages
Bare ownership is another effective strategy for optimizing your real estate investment. By acquiring bare ownership of a property (house, apartment), you obtain a 25 to 40% discount on the property's market value. For the predefined duration of the dismemberment (often 10 or 20 years), the usufruct is held by a third party, who occupies the property, rents it out and carries out routine repairs. Major repairs remain the responsibility of the bare owner. At the end of the dismemberment period, you regain full ownership of the property at no additional cost. This method has several advantages: acquisition costs are calculated on the value of bare ownership, thus reducing initial costs. In the event of a transfer, only the value of the bare ownership is taken into account for inheritance tax purposes. What's more, bare-ownership investments are not taxable under the Impôt sur la Fortune Immobilière (IFI). However, unlike rental investment, bare ownership does not entitle you to receive rental income for the duration of the dismemberment.
Take an interest in rental property...
With falling property prices, rental investments are becoming attractive once again. Many medium-sized provincial towns offer opportunities to buy existing property at median prices of €2,000/m² or less. However, it's crucial to pay close attention to the property's energy performance, as G-rated "heatwasters", consuming more than 450 kWh/m²/year, can no longer be rented out as of January 1, 2023 without energy renovation.
When purchasing a property, it is advisable to seek the advice of a notary to assess the price you are considering. If you're buying an apartment, the notary will also be able to tell you about how the co-ownership works and the associated charges. It's also a good idea to consult building professionals for a precise estimate of the work required.
Take an interest in rental property...
With falling property prices, rental investments are becoming attractive once again. Many medium-sized provincial towns offer opportunities to buy existing property at median prices of €2,000/m² or less. However, it's crucial to pay close attention to the property's energy performance, as G-rated "heatwasters", consuming more than 450 kWh/m²/year, can no longer be rented out as of January 1, 2023 without energy renovation.
When purchasing a property, it is advisable to seek the advice of a notary to assess the price you are considering. If you're buying an apartment, the notary will also be able to tell you about how the co-ownership works and the associated charges. It's also a good idea to consult building professionals to obtain a precise estimate of the work required.
Performance for buying: take advantage of real estate as a group
- Joint ownership: co-purchase your property
Joint ownership is a common way of buying property as a group, whether with a partner or between friends. This technique enables several people to become owners of a property, limiting the personal contribution of each. Each participant becomes the owner in proportion to his or her financial contribution (30/70, 40/60, 50/50, etc.), without any material distinction on his or her part.
Managing an undivided property requires unanimous decision-making, regardless of the percentage of ownership held by each participant. To anticipate potential difficulties, it is advisable to involve a notary who will specify each party's financing in the deed of purchase. This helps to align ownership shares and avoid conflicts on resale. Each joint-owner must contribute to expenses (taxes, works) according to his or her share. An indivision agreement, drawn up by a notary, is strongly recommended to define the rights and obligations of each party, and must be published with the Land Registry.
- Set up an SCI: share your property between friends
If joint ownership seems too complex, setting up a Société Civile Immobilière (SCI) may be a better option for buying a second home with friends. The SCI facilitates the acquisition, management and administration of a property as a group. Partners hold shares in proportion to their contributions, while the SCI becomes the legal owner of the property.
For efficient management, it is essential to appoint managers within the SCI, who often have broad powers to ensure day-to-day management. The manager is required to draw up an annual report for the partners, and to keep strict accounts. The SCI offers the advantage of perpetuating assets over several generations, and can be set up for a term of up to 99 years. Unlike undivided ownership, the management of an SCI does not require unanimity or a two-thirds majority to make decisions.
When the articles of association are drawn up by a notary, it is crucial to anticipate potential disagreements, organize the occupation of the property and plan for any necessary work. In this way, the SCI guarantees harmonious management and a great adventure for this collective property purchase.
Performance for buying: benefit from group real estate
- Joint ownership: co-purchase your property
Joint ownership is a common way of buying property as a group, whether with a partner or between friends. This technique enables several people to become owners of a property, limiting the personal contribution of each. Each participant becomes the owner in proportion to his or her financial contribution (30/70, 40/60, 50/50, etc.), without any material distinction on his or her part.
Managing an undivided property requires unanimous decision-making, regardless of the percentage of ownership held by each participant. To anticipate potential difficulties, it is advisable to involve a notary who will specify each party's financing in the deed of purchase. This helps to align ownership shares and avoid conflicts on resale. Each joint-owner must contribute to expenses (taxes, works) according to his or her share. An indivision agreement, drawn up by a notary, is strongly recommended to define the rights and obligations of each party, and must be published with the Land Registry.
- Set up an SCI: share your property between friends
If joint ownership seems too complex, setting up a Société Civile Immobilière (SCI) may be a better option for buying a second home with friends. The SCI facilitates the acquisition, management and administration of a property as a group. Partners hold shares in proportion to their contributions, while the SCI becomes the legal owner of the property.
For efficient management, it is essential to appoint managers within the SCI, who often have broad powers to ensure day-to-day management. The manager must draw up an annual report for the partners, and keep strict accounts. The SCI offers the advantage of perpetuating assets over several generations, and can be set up for a term of up to 99 years. Unlike undivided ownership, the management of an SCI does not require unanimity or a two-thirds majority to make decisions.
When the articles of association are drawn up by a notary, it is crucial to anticipate potential disagreements, organize the occupation of the property and plan for any necessary work. In this way, the SCI guarantees harmonious management and a great adventure for this collective property purchase.
Make the most of seasonal rental
Optimize your investment with meublé de tourisme
Seasonal rental, also known as meublé de tourisme, involves renting a furnished apartment or house to tourists. This type of rental is very popular, and offers attractive tax benefits. For investors, the main advantage lies in the tax allowances applied to rental income.
2024 reform: new tax allowances. In 2024, a major reform reduces tax benefits for "classified furnished accommodation" (from 1 to 5 stars). The tax allowance is reduced from 71% to 50%, provided that annual sales for the previous year do not exceed €15,000. Unclassified furnished accommodation is also affected, with the tax allowance on rental income reduced from 50% to 30%.
Despite this reduction in tax benefits, seasonal rental remains a profitable option for property investors. By adapting to these new rules, you can continue to enjoy the benefits offered by this type of rental while optimizing your tax strategy.
Make the most of seasonal rental
Optimize your investment with meublé de tourisme
Seasonal rental, also known as meublé de tourisme, involves renting a furnished apartment or house to tourists. This type of rental is very popular, and offers attractive tax benefits. For investors, the main advantage lies in the tax allowances applied to rental income.
2024 reform: new tax allowances. In 2024, a major reform reduces tax benefits for "classified furnished accommodation" (from 1 to 5 stars). The tax allowance is reduced from 71% to 50%, provided that annual sales for the previous year do not exceed €15,000. Unclassified furnished accommodation is also affected, with the tax allowance on rental income reduced from 50% to 30%.
Despite this reduction in tax benefits, seasonal rental remains a profitable option for property investors. By adapting to these new rules, you can continue to enjoy the benefits offered by this type of rental while optimizing your tax strategy.