Which strategy to choose to start in the real estate sector?

Whether finding accommodation or growing its capital, the real estate sector remains a particularly popular refuge value among the French. Unlike some ideas received, the budget is not always the main constraint in a real estate project. The main thing is to choose a type of positioning is profitable, adapted to your personal situation and easy to manage.

In this dynamic, it is no less rare to see several investors wonder: is it better to buy your main residence or opt for a rented investment? These two approaches have specificity, advantages, but also radically different objectives. Here is a complete guide to orient your choice based on your priorities, your situation and the dynamics of the market.

Buy your main residence: advantages and limits

Acquire yours Main residenceIt is becoming the owner of your accommodation and get rid of Tenant of the tenants. This approach is often perceived as a first step towards the establishment of a lasting real estate assets.

However, this option is not the only way to access real estate or real estate investments. Today other strategies are emerging, such as Private Equity Immobilitwhich allows you to position your capital in real estate projects without buying a live property. These alternatives appeal in particular to young workers or investors who try to diversify their investments by avoiding constraints related to rent management.

What are the advantages?

The purchase of an asset to live there allows you to guarantee your residential situation. It offers real stability, in particular for families or families who want to permanently anchor in a region. Obviously, this is accompanied by a plethora of advantages:

• Residential stability : There is no need to depend on an owner or to fear the failure to reduce the lease.
• Easy access to credit : Banks more easily grant loans at advantageous rates (around 3.6 %) for the purchase of a main residence, especially for Buyers for the first time.
• Freedom of development : You can renew, decorate or transform your accommodation without requesting authorization.
• Evaluation of the property : Over time, your accommodation can earn value. And in case of resale, you are exempt from capital gain If the property is your main residence.

Among other things, in the appearance of safety, the property constitutes a solid base for transmitting a heritage to your loved ones.

What are the risks suffered?

Even if the purchase of his main residence is reassuring, it is not rigorous to a short -term profitable investment. In fact, this type of property does not generate passive income. Requires additional costs such as:

• accusations of ownership;
• tax taxes;
• Home insurance expenses;
• Maintenance and repairs costs.

Also, in case of Professional change Or a change of life, the resale can be complex, especially if the local market is tense or not very dynamic.

Invest in the real estate sector for rent: profitability and diversification

The rented investments are above all an approach oriented to profitability. Generating monthly rentalsallows you to perceive Additional incomeor even prepared for retirement while constituting a heritage.

Thanks to the effect of the credit lever, it is possible to invest without mobilizing all its savings, which optimizes the performance of the positioning. The investor freely chooses the type of ownership, the geographical area and the rental method: furnished, emptiness, short duration, roommate, etc.

What are the tax advantages?

The rental real estate sector offers a range of tax tools to adapt its strategy:

• Micro-metal or royal regime for naked rentals;
• LMNP (non -professional furnished rental company) or LMP (professional) for furnished rentals;
• Land deficit to deduct certain works;
• Disclosure devices (Pinel, Denormandy, etc.) in some areas.

These mechanisms reduce taxation and increase the net profitability of the property.

What constraints to take into consideration?

Investing in the rental is also accepting a specific management charge:

• Find reliable tenants;
• Manage unpaid people;
• Anticipate work;
• Avoid the vacant place for rent.

These constraints can be reduced by the Management of delegated to an agency, but this mechanically reduces net profitability.

How to choose the most suitable positioning?

To make the right choice between the purchase of a main residence and rented investments, it is necessary to take into account his personal situation and his professional stabilityThe first option is more judicious for people who intend to stay in a region for several years. LakeApps of Save It is also a factor to consider. The more substantial, the more you can invest in the rental while remaining a tenant of his main residence.

On the other hand, the appropriate choice depends on the objectives of the heritage. The rental investments allow Diversify your resources and benefit from an additional income. As for the purchase of the main residence, it offers long -term stability and safety.

Finally, the local real estate market must be taken into consideration. In areas where the rental application is strong, the rental can offer better profitability. However, it is completely possible to combine the two investment strategies to benefit from their advantages simultaneously.

And the real estate alternatives?

If the physical real estate sector has advantages, today there are more solutions accessible, flexible And Differentallowing you to invest without winning management constraints.

• Private Equity Immobilit

This is a positioning in Real estate projects not listedgenerally through specialized funds. The goal is to finance, in the development or repositioning phase, of Residential, commercial or logistical real estate programs. Private equity immobilization is known for its high yields, often greater than 8 %. However, this type of investment is intended for Company leaders and informed investorsIn search of the return, but ready to immobilize their medium or long -term capital.

• Civil Real Estate Investment Company

THE Shit Offer a regular performance by investing in a portfolio of diversified properties. Companies have the choice between offices, companies and service residences. The investment is accessible From a few hundred euroswith a completely delegated management for expert professionals.

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