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frequently asked Questions
Why buy his property?

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:

  • Real estate security in case of unemployment, early retirement …
  • The benefit of the leverage effect of the loan, a value creation tool otherwise reserved for companies. In the long term the stone is always valued more than real estate investments.
  • A very accommodating taxation, the use of housing by its owner is not (yet) taxed..

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.

Buy to invest :

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)

What are the seller’s obligations?

During a real estate transaction, the seller is subject to a number of legal obligations. he must provide the following documents:

  • The title of ownership that confirms who owns the property (in a couple, it takes the agreement of both parties)
  • Identification of the vendor (s)
  • The co-ownership regulations and the descriptive statement of division
  • Minutes of general meetings of the last 3 years
  • The maintenance book of the building
  • Documents relating to the financial situation of the co-ownership to know the procedures in progress
  • The last 3 charges calls to know the amount of charges
  • Property tax
  • Technical diagnoses with mandatory “carrez” footage
  • Documents relating to the work carried out in a property to ensure that they have complied with the legislation (building permit or prior declaration of works) and that they have been validated in a Co-ownership Meeting
What should you include in your purchase budget?

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 :

  • What is the personal contribution you can provide? ? That is to say how much you can contribute to your project on your savings. The more this sum represents a large part of your budget, the easier it will be for you to obtain financing to supplement your budget.
  • How much can you borrow? For a quick first guess, make an appointment with your bank to simply do a fundraising study. At this stage, no need to dig deeper to find out who will offer you the best rate. You can help mortgage simulation tools available on the internet.
  • What are the incompressible fees to add to your overall budget ? You must take into account the notary fees (about 7.5%) and provide a budget even limited for your renovation or beautification (allow 3 to 5% depending on the work you are willing to consider) .
What are the mandatory diagnoses to be provided by the seller ?

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