to Pay less tax while making a real estate investment profitable and building a heritage, that is tempting and feasible.
According to the Insee, in early 2018, 61,7 % of the households owned a property, either their main residence or other accommodation. The stone remains a safe haven for 68 % of the French, as revealed by a recent poll Ifop*. And the context is less favorable, since the rate mortgage loan end up not to decline : by April 2019, the average rate amounted to 1.35% according to the Observatory Credit Housing/CSA.
Receive tax benefits by investing in stone
beyond its appearance is reassuring, the real estate can allow you to achieve a profitable investment, while reducing income taxes. In order to better respond to the need for housing, the public authorities have been constantly, in recent years, to encourage investment rental property through various laws of tax exemption. Pinel, Husk, Malraux, Censi-Bouvard, the status of the lessor furnished, without forgetting the recent amendment Denormandie… are all tax systems allowing the taxpayer to défiscaliser a portion of its revenues, either through a tax reduction, either by the game of the depreciation and amortization expenses, or deduction…
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conditions to meet
The benefit of these benefits requires you to meet certain conditions : commitment on the rental of a certain duration, depending on a type of lease well-defined, with the purchase of a category of housing (new, old, to renovate, furnished, in-residence services…) energy performance standards… These different tax systems are more temporary and sometimes limited to certain areas of the territory (areas tight, city centre…).
these laws for tax exemption in addition to legal mechanisms as the deficit of land and the dismemberment of property that offer them the possibility to reduce its tax.
The choice of device the most appropriate obviously depends on the economic situation of each person and aspirations of the moment, and given the complexity of some devices, it may be advisable to get assisted by a professional.
But, already, you can download the free guide “Défiscaliser by investing in real estate : or how to make of a stone two blows” above, which will give you the essential benchmarks to begin your reflection.
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* Ifop Survey conducted in February 2019 in partnership with the network of real estate agencies Nestenn.