Solidarity real estate portage is an interesting rental investment. Often overlooked by investors, it offers… Ethical rental investment, solidarity real estate portage is increasingly popular. Given that the income of the French seems to be falling and that access to real estate is more and more expensive, solidarity portage is becoming the trend investment. But what exactly? And what are its advantages?
Solidarity real estate portage is an interesting rental investment. Often forgotten by investors, it offers…
Ethical rental investment, solidarity real estate portage is increasingly popular. Given that the income of the French seems to be falling and that access to real estate is more and more expensive, solidarity portage is becoming the trend investment. But what exactly? And what are its advantages?
The reasons can be many for the owner who is not able to repay his loan: death in the family, change of situation, financial difficulties or loss of employment… In addition to this is a significant increase in prices on the real estate sector. Faced with this particularly stressful situation, the solution available to him is to sell his property, reluctantly. Indeed, it is clear that he wants to keep his home, which is still his heritage. In order to limit this option as much as possible, a solution is available to all owners and future buyers who wish to have a profitable investment: this is solidarity real estate portage. In this case, the seller is not obliged to completely dispose of his property. On top of that, he is guaranteed not to make a sale at a loss and can have peace of mind. Companies are even available to owners and offer to seek investors for them.
To put it simply, solidarity real estate portage allows the owner to temporarily sell his home so that he can settle his debts even if he is on file. He is able to stay in his accommodation as long as he pays monthly rent. When the fixed term comes to an end (a period of between 5 and 10 years), he will have the option of selling or buying back his home.
The investor meanwhile will make a good deal, because he can buy a property in difficulty, a movable property between 20 to 30% of its real value.
In this regard, you can easily compare bare rentals and furnished rentals thanks to the free simulator available on this blog dedicated to furnished rentals.
In exchange for this, he will receive rent or a share of it which is assessed according to the value of the property and in accordance with the price found on the market. The rental yield can be interesting, because it could be 5.5 to 6%. In order to keep peace of mind, the buyer can request a guarantee of unpaid rents! The tenant / seller will be obliged to pay his rent and will benefit from a margin of time to recover in order to avoid a seizure of his goods. Each part will find its account there.
Solidarity real estate portage is a really interesting option, especially when we see what is happening today: real estate prices that are constantly rising; a shortage of housing in certain areas or the seizure of property following a default of payment on the part of the owners. This investment solution aims to be profitable in terms of tax and ethics. Investors will begin to select the accommodation and the file they wish to finance with the assistance of mortgage brokers.
Know that it is quite possible to invest up to 10,000 euros (and even more) and in this situation, there will be several joint holders or a single buyer if the person has the means. If ever, and this often happens, the owner manages to repay his loan before the 5-year term, the investors receive the amount lent. On the other hand, if the property has been put up for sale, they will receive, apart from the basic amount, the difference between the value of the loan and the estimated price.
As the old Borloo tax regime affirms: the acquisition via solidarity rental gives access to a tax exemption of its rental income depending on the level of the rent. Its rate is assessed at 30% in the case of an intermediate rent, 60% for a social or very social rent, and finally, 70% in the context of a rental made to a certified association in a sector where the shortage of the offer is actually observed. These lenders or investors can, in addition to this tax exemption, benefit from the much sought-after status of furnished rental company. As a result, they will be able to deduct the charges and loan interest from their rents.
Note that the commitment to rent accommodation for at least 3 years to an approved association is eligible for a bonus of 1000 euros which will be given by Anah. In addition to this bonus, you will be able to benefit from subsidies in order to undertake fairly substantial renovation work. Local authorities can even help you.
Real estate portage is an advantageous option for the owner, because thanks to this option, the person who places his property in the hands of joint carriers receives the sale price which is established at 70% of the value of the property. This will allow him to repay his debt. The rent is assessed according to his income so as not to aggravate the situation in which he is.
For owners who are in great difficulty repaying their mortgage, solidarity real estate portage is an excellent option: the sale with the possibility of buying back the property. But what are the eligibility requirements?