Real estate purchase: 2 times cheaper accommodation with this new device

Buying accommodation at half price is now possible thanks to a brand new device. Inspired by car leasing, this mechanism obviously requires some counterparts.

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Decided at buy their first accommodationEmma and Pierre, a thirty-year-old couple without children, have just had a crush on a new two-piece, located in the 8th arrondissement of Marseille, a stone’s throw from the Borély park and the Prado beaches. Even if the average price of the square meter is wiser in the Marseille city than in other large metropolises, the bill promises to be salty, the T2 in question being new and of great standing. It is marketed at 7,420 euros per square meter, i.e. 371,000 euros For 50 square meters.

Emma and Pierre with 45,000 euros in annual income in total and a contribution of 12,000 euros, they should reimburse a credit monthly payment of 1,900 euros to finance this purchase, calculates Xavier Lépine, former president of the French management company, today at the head of Neoproprio, a start-up founded in 2022 with the former housing minister Julien Denormandie. Las! A monthly payment of 1,900 euros representing half of his income Monthly of 3,750 euros, the couple is not financially financial, to which the High Council for Financial Stability prohibits granting real estate loans representing an effort rate of more than 35%.

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A device for the middle classes

“Since 2000, housing prices have almost doubled. With Neoproprio, we want to allow people who make their lives correctly, to middle classesto buy this type of apartment ”explains Xavier Lépine to Capital. Within the framework of the Neoproprio, Emma and Pierre system buy from the property promoter – Demathieu Bard in this specific case – this two -room apartment but for a period of 25 years, not for the whole life. “The device is based on the emphyteutic lease, used since time immemorial by companies, which runs over a period of 18 to 99 years”explains Xavier Lépine. In exchange for what, Emma and Pierre will pay the apartment cheaperor 185,500 euros, instead of 371,000.

An amount that they will be able to finance via one of the partner banks of the start-up, such as Sofiap, a subsidiary of the Postal Bank, credit monthly payment being mechanically divided by two, at 950 euros. However, there is a fee From 350 euros, paid to an institutional investor (insurance company or pension fund), partner of Neoproprio, which buys the remaining 50% of the apartment from the promoter. An investor to which it is indeed necessary to promise a return “at least 5%” To convince him to bet on residential real estate, underlines Xavier Lépine. Hence a total monthly payment of 1,300 euros for Pierre and Emma, ​​which does not exceed 35% of their income.

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Auto leasing applied to real estate

But what will happen if, in three or four years, Pierre and Emma have a baby and want to buy a larger apartment? Well, They will sell their 50% From T2 to the institutional investor, which the contract, signed before a notary, obliges to buy. No need, therefore, for the couple, to seek a buyer, or to contract a ready-made time to find a buyer! The sum that the investor will pay them, supplemented by 50% of added value If the accommodation has gained value within this period of three or four years, will allow the two thirty -something to repay the loan they had contracted in advance, and to embark on the search for another property.

If, on the contrary, Pierre and Emma intend to remain ad vitam aeternam in their apartment, and if they receive a small inheritance, for example, they will be able, at the end of the 25 years, to buy its 50%to the institutional investor, which will make them owners of the whole property. A little like of Automobile leasing. With the key the possibility of transmit this heritage real estate to their child. And it works, Neoproprio? “It’s going pretty well”, Smiles Xavier Lépine. He will not say more, the start-up having really started his activity a short time ago, his financial and legal approvals having been longer than expected to obtain.