Purchase price, credit rate, amount of co -ownership charges, cost of a possible renovation … Here are the four main criteria that guide your real estate acquisition. You should now add “absolutely” A fifth, according to Aga Bojarska-Serres, Deputy Director General of the Bestaux Broker: the property tax, Who has continued to increase since the abolition of the housing tax in 2023, local communities seeking to compensate for the loss of the second by the increase in the first.
Households already owners, who will receive their 2025 property tax opinions from August 28 via the Internet and will have to pay it by October 15 or 20, know something about it: in the 32 large cities studied by Bestaux, the property tax was on average at 118 euros per month for housing of 70 square meters in 2024, or one increase of almost 5% In the space of a year.
Property tax, underestimated by first-time buyers
“While it weighs increasingly in the real estate budget, the property tax is still too often underestimated, even forgottenin the calculations of people who wish to become owners ”regrets Aga Bojarska-Serres. By taking up the example of an apartment of 70 square meters, bought via a credit over 20 years at the rate of 3.25%, the property tax represents on average 1.3 times the monthly payment which the buyer will have to pay to reimburse his loan, against a ratio of 1.1 a year ago. An average that masks multiple greater than 2 In some cities, such as Nîmes, Le Havre or Perpignan, and even 3 for Saint-Etienne.
A “Sainté”, where the square meter is only 1,183 euros, the price of a 70 square meters amounts to 82,810 euros. Based on a credit rate of 3.25% over 20 years, the buyer will have to reimburse the bank less than 500 euros each month, calculates BestAtaux (see table). On the other hand, it will be liable for a flirtatious property tax of 1,452 euros, Representing his credit monthly payment more than three times. In other words, he will have to pay 121 euros each month for the property tax. This means that it is no longer an anecdotal load but an additional expense “To be anticipated in its purchasing budget”insists Bestaux.
Real estate credit: beware, refusing a loan offer now could be an error
A considerable charging jump
Admittedly, in Nice, Lyon, Aix-en-Provence and Paris, the property tax represents less of a credit monthly payment. But for a Purely mathematical reason :: “Real estate prices, and therefore credit monthly payments, are so high in these cities that the weight of property tax becomes relatively low”Better shade. With an average price per square meter at 9,500 euros in Paris, the purchase of a 70 square meters requires reimbursing not far from 4,000 euros per month! The property tax of almost 1,300 euros therefore represents “only” 0.3 times the credit monthly.
“”The weight of the property tax is a key element that must absolutely be integrated into its purchasing budget, especially for first-time buyers who did not pay it as a tenants. It’s a charging jump far from being negligible», Harts AGA Bojarska-Serres.
