June 30, 2006, the Parliament adopted definitively the law national Engagement for the housing, of which the decree d application is appeared on July 16, 2006.
This law proposes l'investissement a modification of l'actuel tax device in favour of rental, in order to support the development d'une offers new in the intermediate sector.
It proceeds, d'une share, with the limitation of the possibilities of deduction offered by the current Robien device and,
with creation d'un popular Borloo device new, together with conditions of resources of the tenant and ceilings of rent lower than those of the current device.
Borloo the popular device of the law national Engagement for housing will be applicable for the new goods acquired as from January 1, 2006.
This law pursues three major goals:
1 - To slacken the rental market whose situation is extremely tended in certain zones,
2 - To encourage the greatest number of French to invest in rental housing,
3 - To support construction, which will also contribute to support l'emploi, in particular in the sector of the building. As in the old Besson framework, the tax advantage related to damping
The popular borloo is reserved to the investors who carry out in a direct or indirect way investments in the sector of new housing intermediate and intended for the principal hiring of the tenant.
To profit from the tax advantage, the investor must commit himself renting naked housing during at least nine years.
The hiring must be intended for the use of principal dwelling with households whose incomes do not exceed a certain level, moreover, it must be effective and continuous.
The investor must engage that the rent with the monthly m² does not exceed, during all the duration of the engagement of hiring, a ceiling of rent reactualized every year evaluated à.70.% of the price of the market.
Prohibition to rent with ascending or descendant. The engagement of hiring must provide that the tenant is a person other than one of ascending or descendants of the owner.
How to create an inheritance with its taxes ?
1 - To buy a new real estate, Price all expenses included: 135 000€
2 - To finance using a bank credit: Monthly payments: -780€
3 - To put in locationLoyers Nets of loads 100% guaranteed: + 545€
4 - To profit from law BORLOO: Economy d'impôt: + 85€ Monthly saving = 150€/ month, Without initial contribution ?
The perceived rent, completely guaranteed, will pay approximately 40 to 50 % of l'acquisition, ? l'épargne voluntary of l investissor from 35 to 45 %, ? An economy d'impôt of 15 000 to 40 000€ will finance the remainder of l operation. In the event of death, the credit is completely refunded by l'assurance, and having them right recover the real estate, and perceive the rents.
Before d'investir, follow the 5 following stages:
1 - D'investissement to fix a horizon at least fifteen years.
2 - To require the quality of the real product.
3 - To avoid the greedy intermediaries in useless fees.
4 - To prefer a building of mixed use tenants and occupying owners.
5 - To calculate estimated profitability without appreciation.
To be profitable long-term and free from any concern, l'investissement in a new real estate with rental goal must be made safe and guaranteed.
A real owner who intends his good for the hiring can have to face the following difficulties:
Nonthe payment of the rents.
The degradation of the good.
Nonoccupation of housing.
The role of the financial consultant will help you very precisely to decode these guarantees, which will allow you d'appréhender this operation as a financial investment whose support is a l'immobilier.
The concern first of the customers is not to have to manage their rental real estate.
To pass from the advertisements, to make visits and inventories of fixtures, to write the beams, to establish the receipts, to proceed to all the cashings (rents, loads, guarantee...), to be with l'écoute permanent of the tenant
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