Almost a year ago, the deputies had tried, in vain, to accelerate the end of Denormandie rental investment systemscheduled for the end of 2027, on the grounds of its lack of efficiency. It depends for who! Claudie, who invested in Denormandy five years ago, is very good. “I was going to touch an important retirement bonus, on which I would have paid a lot of taxes. So I chose to tax exemption by investing in stonevia Denormandy ”she explains to Capital.
As a reminder, this system, which has existed since 2019, gives you the right to a income tax reductionrepresenting 9% to 21% of the price of the property (cost of the work of renovation Included), if you buy an old accommodation to rent it between 6 and 12 years old, naked, as a principal residence, and by committing you to renovate it. In addition, rent must not exceed certain ceilings and tenants’ income cannot exceed certain thresholds.
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Only € 80,000 for purchase but more than € 100,000 in renovation
Finally, the accommodation must be located in a municipality concerned by the national plan for revitalizing medium -sized cities centers “City Heart Action», Or in a municipality having signed a territory revitalization operation agreement. This is the case of Tourcoing (Nord-Pas-de-Calais), where Claudie, who lives in the department, buys in 2020 a house of 83 square meters, for the modest sum of 80,000 eurosto which are added 7,400 euros in notary fees.
“It was not expensive”, she recognizes, but “There was no eg, it was necessary to redo all the plumbing and electricity!” Amount of the painful: 103,018 euros. The figure is precise, it’s normal, Claudie was accountable. Thus broken at “Administrative”she then files a request for help with the renovation from theNational Housing Agency (Anah). “My sister, who invested in real estate too, did not want to do this approach because she was discouraged in advance by her complexity and her length”says Claudie. Too bad, because Claudie, she obtained 28,825 euros from the Anah, which brought her charge to 74,193 euros.
“My 20 rental investments bring me € 10,000 per month, I expatriate to Mauritius”
Tenants with the Visale warranty
After a year – the period of carrying out the work -, Claudie is looking for tenants. Fearing to crumble under requests, due to the capped rent, she consults rental requests on Leboncoin. And chooses a young couple, parent of a child, who lives in the neighborhood and is looking bigger, the mother, maternal assistant, wishing to welcome an additional child. Dad is unemployed, in training, but the couple is eligible for Visal rental guarantee housing action. “It decided me to rent the house for them”explains Claudie. Who has no regrets: “THE rent is paid every month without delay! »»
A rent that brings him 9,537 euros per year, specifies Claudie. Faced with this income, “The charges are low”she says, citing 484 euros in property tax and 235 euros in insurance per year. Claudie has no credit monthly payment To be reimbursed on the house, of which she was able to finance the purchase and renovation in cash, with the exception of a loan of around 15,000 euros over 24 months, which she had subscribed to pay the craftsmen, the time to receive the anh aid. Borrowing that she has reimbursed with these subsidies.
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Net profitability of more than 6%
Admittedly, Claudie pays 1,148 euros in social security contributions each year, but it benefits from nearly 3,000 euros in income tax reduction under the Denormandie system. Result, its annual net rents, of 10,609 euros, brought back to the 161,193 euros in acquisition and renovation costs of the house, give it a net profitability of 6.58%. “It’s very interesting, I am satisfied with my investment and happy to have been able to please a young couple”smiles Claudie.
If you too 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].
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