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Security is what best characterizes real estate investment among all existing financial investments. Investing in real estate allows you to invest your savings in property.
Once the property is fully purchased, you own a house, an apartment or other property. In other words, an asset class that has proven its robustness over the long term in recent decades. Even if prices were to fall, you would have time to see it coming and therefore anticipate the sale of your property. And thus recover cash, to reinvest according to your preferences.
Notez que seules 3 régions françaises ont observé une baisse minime du prix du mètre carré des appartements au premier semestre 2022 selon Century 21: -0,1% en Haut de France, -0,2% dans les Pays de la Loire et -0,4% en Ile de France hors ville de Paris. Tandis qu’au premier semestre 2022 le prix du m² des maisons a augmenté de 15,5% en région Provence Alpes Côte d’Azur, de 13,2% en Bretagne et 12,2% dans les Pays de la Loire.
To summarize, investing in real estate allows you to have a high probability of seeing the value of your assets increase depending on the regions in which you invest.
Check out our article on how to invest in real estate easily and without stress.
But not only that, see below the top 10 benefits of this financial investment.
Investir dans l’immobilier locatif vous permet de générer des revenus passifs sous forme de loyers. En louant votre bien à un locataire, vous percevrez une rente mensuelle, à la hauteur du prix du loyer que vous aurez fixé.
Initially, this passive income will be used to pay off the mortgage loan taken out to buy the property. Only when the loan is repaid, you will be able to enjoy the rent in a different way. For example, by spending it on interest or by reinvesting it in your property.
To generate passive income, you can invest in real estate via buyer sites such as Coup de Coeur Immo. By registering as a real estate buyer, you will be able to invest in thousands of properties all over France. Specialized in putting buyers and sellers in touch with each other, Coup de Coeur Immo gives you access to concrete real estate investment opportunities.
Register as areal estate buyer to invest in the properties of your choice for a primary or secondary residence or for rental property.
Here, reinvesting your rent in your apartment will allow you to make some improvements to your home, for example, by installing underfloor heating, double glazing, a new kitchen / bathroom, etc... And thus, to make it a quite exceptional property with a remarkable level of comfort and equipment in good condition.
Ideal for your tenant, who will feel better and better in your home. And who will therefore be tempted to rent it even longer. This will allow you to reduce the risk of vacancy. But also, it will allow you to increase the value of your property as well as the amount of the rent.
Investing in real estate by targeting new properties gives you the opportunity to reduce the amount of your taxes. In particular, thanks to the tax exemption measures put in place by the State.
Here, we are talking mainly about the laws Pinel, Bouvard, Malraux, Denormandie or LMNP. These devices, set up by the government, aim to invite the French to invest in new real estate.
For example, the Pinel scheme for a new rental property investment over a 12-year period offers a tax reduction of 17.5% of the cost of the property.
So, for 12 years of renting an investment at 100 000€, you will benefit from 17 500€ of tax exemption or 1458€/year for 12 years.
Also, you have the possibility of taking advantage of this reduction over 6 years for 10.5% of the purchase price of the property, or over 9 years for 15% of the purchase price of the property.
However, certain conditions must be met in order to take advantage of these benefits. For more information, consult the documentation related to real estate investment published by the State.
Investing in real estate allows you to move into homes that are better insulated and designed with more durable materials. This limits heat loss in your home and allows you to spend less money on heating every month.
Obviously, new homes have the least amount of heat loss. Unlike older homes, which tend to be less well insulated due to the age of the materials and construction methods of the time.
To measure your level of heating expenses, the DPE (Diagnostic de Performance Énergétique) gives you a reliable indicator. Buildings requiring the least expense to be heated are given an A label. While the most energy-consuming are classified with the G label.
Investing in real estate repeatedly will allow you in the end to become the owner of several properties. And thus, to have a real estate heritage of the amount of the sum of the values of your various goods.
This allows you to easily release large sums of money in case of need. By selling one of your properties for example. But also, to own a real estate stock whose value can increase significantly according to the tourist trends.
Check out our article on where to invest in real estate to take advantage of the rising price per square foot.
Investing in real estate means investing your money in real estate. Therefore, to exchange your euros for the ownership of a property as well as a power of decision and usufruct on the latter.
When you buy a 200m² house for 500,000€, you exchange 500,000€ for the house in question. If the area in which the house is located sees an increase in the price per square metre then the price of the house will increase proportionally and therefore the value of your assets as well.
When you put your savings in the bank, with the current level of inflation at the beginning of 2023, the inflation rate increases faster than the rate offered by the bank. As a result, you lose purchasing power even faster.
So, in times of high inflation, investing in real estate protects you from inflation and gives you more purchasing power in the long run.
Owning your own property means fewer expenses in the long run. Indeed, no more rent to pay to the lessor. And no more repayment of the real estate loan to be honored when this last one is entirely refunded at the end of maximum 25 years.
Investing in real estate to own your home is also a choice for security. There is no risk of finding yourself without a home at the end of the lease. And it also allows you to have a large sum of money at your disposal in case of need. Selling your home to buy another property for example.
Lorsque vous ne percevrez plus de « salaire » à proprement parler, vous percevrez une retraite. Ce versement mensuel est moins élevé que la moyenne des revenus que vous aurez perçus durant vos années de travail. Ainsi, posséder un patrimoine immobilier vous permet au choix:
And that's for your entire life, including retirement.
Preparing your estate allows your children and grandchildren to start their lives with additional security in case of unforeseen events. Owning real estate allows you to easily turn around in case of need (health, redundancy, major economic crisis, life project, etc.).
The best gift you can give to your descendants.
Investing in real estate is therefore a very useful financial investment in many areas. In particular, it allows to bring a certain comfort of life on the long term. Mainly by reducing the monthly and regular charges that a tenant could have. But especially, by increasing the total value of the patrimony as well as the passive incomes at the end of the repayment of the real loans.
Building up a real estate portfolio is as useful for you as for your descendants. Who will be able to benefit from a considerable starting capital. On which they will be able to lean all their life.
