Who has never heard that a real estate investment in Paris “Will never lose value” ? The Parisian stone is undoubtedly a long -term refuge value but not necessarily if you have to resell in a short period of time. Imagine a couple who buy their first apartment – a large two -room room – in Paris in 2015when the square meter is less than 8,000 euros. To finance this acquisition of 417,169 euros, it has a personal contribution of 50,000 euros, supplemented by a bank creditillustrates the Seloger real estate advertisements, during a press conference this Tuesday, September 2.
Five years later, in 2020, this couple is preparing to welcome their first child and therefore resells their apartment to buy a much more spacious. Well played because “Real estate prices have 35% leap Between 2015 and 2020“Recalls Thomas Lefebvre, vice-president in charge of the data from seloger. Thus, in 2020, the couple’s apartment is no longer worth 417,169 euros but 563,178 euros, or one capital gain of 146,000 euros! He sells it at this price and, as left for 328,530 euros of credit to be reimbursed, his net real estate assets amounts to almost 235,000 eurosCalculate Seloger.
Secundo-receivers blocked in their purchasing projects
The new owners of the apartment, on the other hand, make a less good deal. This good, they acquire it in 2020, when the square meter culminates about 11,000 euros in Paris … according to the adage according to which the trees do not go up to the sky, “The prices in the capital have 11% fell Between 2020 and today “due to the real estate crisis caused by the quadrupling of credit rates in 2022 and 2023, figure Thomas Lefebvre. Consequence, if the new owners are in turn forced to resell the accommodation five years after having bought it, in 2025 therefore, they will make a sail More than 60,000 euros!
Thomas Lefebvre thus assesses their net real estate assets at only 47,500 euros After this resale. Insufficient contribution in 2025 to buy a three squares of 75 square meters, underlines Thomas Lefebvre, who estimates the sum required at 91,400 euros. “This weighs in purchasing-revenue decisions, a number of Secundo-Accédants are blocked by the loss of value of their first good”observes the leader. According to him, “More than one in five seller sells at a loss in Paris today “. Wait a bit if you can: prices have already 2.3% bounced In the capital, in the past 12 months, thanks to the decline, then stabilization, credit rates.
