By dint of rubbing shoulders with customers “Already owners donors four or five apartments “while being “Middle French”Thibaut, employee of thirty -year -old, wanted to start in turn in therental investment. “I am classic Frenchwarns this young single. At the time, six years ago, I earned less than 2,000 euros per month and I had just over 10,000 euros in savings. ” Thibaut also had an in progress credit to finance the acquisition of his main residence but “I made it buy over 25 years, so that I reimburse very little every month”he explains. In addition, in the Nancy agglomeration, where he lives and where he has invested, the prices of the old apartments remain relatively reasonable, at 2,407 euros per square meter on average according to Seloger.
“In 2019, when I was 30, I started by buying small studios of a dozen square meters on credit, for 30,000 euros each”he says. Obviously, at this price, there are work to do! In particular of energy renovation, the climate and resilience law gradually prohibiting the rental of thermal colanders. “I am not very handyman, it is a craftsman who takes care of the work”confesses Thibaut. The decor, on the other hand, is its part: “I decorate as if it was at home, with an industrial or Scandinavian atmosphere, and I install quality equipment, such as induction plates.»» By 7,000 to 8,000 euros in renovationeach studios cost him 40,000 euros around in total.
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A resignation to devote himself to his rentals
These studios, Thibaut praises them Between 350 and 450 euros per monthexcluding loads, furnished. More specifically, Thibaut is a non -professional furnished rental company (LMNP), on the real regime, which allows him to deduce from his rental income a fraction of premises, furniture and works, via the amortization mechanism. Furnished rental allows not only “To rent 10% to 15% more expensive than in bare rental but the Lmnp Real also avoids being taxable for several yearsunderlines Thibaut. I have not paid for rental income tax since 2019 and I will not pay for a while. ”
Income that today amounts to some 8,500 euros per month Because Thibaut is now at the head of a rental park of 12 apartments and two garages. As he reimburses in parallel 4,500 euros in monthly payments, for the credits contracted to buy these goods, and pays around 400 euros in property tax per month, Thibaut displays net monthly rental income between 3,000 and 3,500 euros. Roughly the salary he received as a banking employee. “Suddenly, I resigned from my CDI, to put myself on my own as a wealth management advisor and to manage my apartments”he reveals.
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Between 8% and 15% profitability
Indeed, on his dozen goods, all located in the suburbs of Nancy, the young man praises two in Airbnb, which requires a little – a lot – of stewardship. “At the beginning, I used a concierge service but profitability was rotten”he says. Exit, therefore, the concierge is a cleaning lady or Thibaut himself who takes care of the maintenance of seasonal rentals. Just as he takes care of the visits to his furnished apartments rented in long term. By spending intermediaries, he ensures himself “A good profitability from 8% to 15% according to property “.
It must also be said that, unlike some 70 municipalities located in tense areas, where the demand for housing is much higher than the offer, “Lrents are not supervised in Nancy “explains Thibaut. Although Nancy is not in a tense area, “There is very little rental vacancy”assures the young lessor, whose housing, seasonal and long -term, always display complete. “Nancy is a student city and the Airbnb rental, the conditions of which have not been hardened as in other municipalities, benefits from the passage of Belgian, Dutch and German tourists, as well as a clientele who comes to see family in the region, not to mention sales and technicians on mission in companies in the region”, he decrypts.
The Visale Guarantee against Unpaid Unders
What about the risk of unpaid rents and degradations? “My loved ones spoke to me, that’s why they never made rental investment. But I took the Visale Guarantee, which reimbursed me Three months of unpaid that I had. This problem has happened only once ”says Thibaut. If, like him, you are a happy rental investor, despite the management of rents, energy renovation obligations and other regulatory developments, do not hesitate to testify in turn, anonymously if you wish, writing to us [email protected].
I testify
