Buying new real estate has many advantages. By buying a new home, you realize savings that you would not realize by buying in the old (Reduced notary fees, No work required, Better energy performance …).
We are talking about a purchase in VEFA when the housing is to be built. The future purchaser buys the property off-plan and becomes its owner as it is built. Payment is therefore made according to the progress of the work, hence the name Vente en Etat Futur d’Achèvement (VEFA). This type of purchase is governed by the Civil Code and the purchaser is very protected thanks to the guarantees in place.
Investors who choose to buy new housing to rent it can benefit, under certain conditions, from tax advantages:
The PINEL system offers a reduction in income tax of 12, 18 or 21% spread over 6, 9 or 12 years, up to a limit of 300,000 Euros (subject to certain conditions). You can even rent your accommodation to a parent or child, if it is not part of your tax rent.
The CENSI-BOUVARD Tax exemption
The CENSI-BOUVARD device allows a tax reduction equivalent to 11% of the purchase price excluding tax (up to 300,000 Euros) and to recover real estate VAT (20%). In return, you agree to rent your property for a period of 9 years. The CENSI-BOUVARD is reserved for rented accommodation furnished in a service residence, for Non-Professional Furnished Rental (LMNP).
Real estate remains a safe investment. What could be better than stone, which is new, to protect its capital from economic variations!
Its value tends to increase in the long term. New housing that does not require renovation work and offers optimal energy performance, promotes good resale, and even allows one to imagine an added value.
In addition, investing in real estate allows you to build up a heritage that can be passed on to your heirs and descendants.
Owning a property through an SCI even allows you to benefit from advantageous conditions for transmission.
Unlike a financial investment, it is possible to invest in real estate on credit. This financial instrument is highly recommended if you want to invest in rental generally.
You will not only be able to invest a significant amount without having the sum, but in addition to deduct credit interest, borrower insurance, part of the charges, …. of your rental income which will greatly decrease your property income and consequently your taxation.
By borrowing all or part of the property, you also make a larger acquisition than what you could have afforded with your personal money, this is called credit leverage.
Investing in rental property also means seeking income, and who says income says tenant. A significant advantage of rental investment in new: new pleases tenants!
New real estate is a guarantee of security and comfort for a tenant thanks to the benefits and modern comfort that you will offer them. Not to mention the low charges, induced by ecological standards.
While an old home can sometimes hold unpleasant surprises and require unforeseen work, in a new home, everything is new, everything is NEW!
Maintenance and any work are therefore rare; no bad surprises.
When buying a new property, transfer taxes (the famous “notary fees”) are generally half as high. They correspond to around 2.5% of the price of housing while in the old they amount to 7 or 8%.
This benefit will allow you to make significant savings.
By buying a new home, you benefit from an arsenal of guarantees that will cover you for several years, a real advantage compared to the old one :
• The guarantee of perfect completion
It lasts for one (1) year from the date of receipt of work on the accommodation. It covers all disorders and poor workmanship which were noted on the works acceptance report or which appeared during the year following the date of these minutes.
• The biennial guarantee
It lasts two (2) years from the date of receipt of work on the accommodation. It covers any malfunction of equipment “separable from construction”, that is to say the elements that can be removed.
• The ten-year guarantee
It lasts ten (10) years from the date of receipt of work on the accommodation. It covers all damage and defects compromising the solidity of the structure (Leakage, Significant cracks, …) as well as inseparable elements of the construction (Pipes, Lighting …).
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