Hidden tax advantages that can really make a difference

Are you an owner or about to become? Note that your main residence has unsuspected tax privileges. Between exemptions, felling and help devices, this real estate state is not happy to offer a roof: it also lightens taxation. Focus on these devices often unknown but strongly advantageous for your heritage.

A significant reduction of IFI

Possessing a main residence partially protects you from the property on the wealth of property (IFI). Unlike a second home or property for rent, this accommodation automatically benefits from a 30 % reduction on its market value. This advantage is decisive to remain below the tax threshold set at 1.3 million euros.

Take a simple example: a good estimated at € 850,000 is maintained only for € 595,000 in calculating IFI. This reduction may be enough to completely escape the tax, especially if you have other modest real estate activities. A discreet but effective strategy to preserve the heritage.

REVENDITE: an exemption of added value

If you sell your main residence with added value, the taxation usually imposed on this type of profit will escape. Unlike the second homes in which taxation can reach over 36 % (taxes + social security contributions), here: zero tax tax.

This advantage is applied that the accommodation was actually your main residence at the time of sale. It is therefore possible to consider a strategic resale, without weighing down the taxation, while maximizing the performance of investments.

The end of the housing construction tax … only for the main residence

Since 2023, the housing building tax has disappeared for all the occupants of their main accommodation. The owners like tenants exploit this measure, which represents an annual saving from several hundred euros to several thousand euros.

Note: This reduction concerns only the main residence. The secondary residences remain subject to this tax, sometimes increased in the stretched areas. Another reason to clearly identify your main residence with the tax administration.

Transmission: a reduction in the inheritance of 20 %

The legacy of a main residence entitles you to a specific reduction of 20 % on the value of the property, if certain conditions are satisfied. This means that a housing of 1 million euros transmitted as part of a succession will be taxed only for € 800,000.

This advantage can be combined with other conventional hereditary killing. In a context in which the inheritance tax is strictly examined, this provision allows you to preserve a precious part of the family assets.

Help for the acquisition and renewal of energy

The main residence also allows you to access devices such as the zero rate loan (PTZ), the social membership loan (PAS) or the inhabitant action loan. These purchase aid allow to considerably alleviate the cost of the loan, in particular for buyers for the first time.

On the restructuring side, Maprimerénov «promotes the work of improving energy with substantial aid, provided that housing construction is your main home. Isolation, heat pump, solar panels: each gesture in favor of the energy transition can be financed in part by the state.

In short …

The state of the main residence is a fiscal pepiness that many underestimate out of ignorance. In these necessary optimization times, it becomes urgent to activate it intelligently. It is not just a case of the roof, it is a strategy of life of the heritage. Because every euro preserved today builds your freedom of tomorrow.

Have you discovered one of these advantages recently? Which surprised you most? Share your experience and comment on the article! A loved one could also benefit from it: transfer this link to him so that this fiscal gold mine does not miss him.

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