Real estate: Soon zero capital gains tax after only 10 years of detention?

The National Assembly Committee on the National Assembly will examine, Wednesday, June 18, the deputy proposal Eric Ciotti on Wednesday, June 18, aimed at relaunching housing. This text proposes to reduce the duration of detention to 10 years to be exempt from tax on the capital gain in real estate disposal. It also establishes a moratorium on the ban on the rental of thermal colanders.

Capital video: real estate investment: Soon zero capital gains tax after 10 years of detention?

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To pay a second property tax and regularly finance renovation work, you want to resell Your country house. The problem is the tax on the added value of sale that hangs you in the nose. Real estate capital gains, with the exception of those made on the main residence, are indeed subject to income tax (IR), to the rate of 19%, and to social security contributionsat the rate of 17.2%. Or a overall taxation of 36.2% on added value sale of your second home or rental investment.

The taxable capital gain, however, benefits fromDevelopment duration durationwhich reduce its amount and, therefore, the income tax and the social security contributions that you will pay on it. Thus, from the sixth to the 21st year of detention, you benefit from a reduction of 6% per year on the added value of sale, and a reduction of 1.65% for social security contributions. And, after 22 years of detention of the property, the added value of sale is fully exempt from income tax. Ditto for social security contributions but after 30 years. Not enough to rush to sell your property!

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Identical abundance for income tax and social security contributions

However, until a reform of former Prime Minister François Fillon, which entered into force in 2012, the duration of detention to benefit from a total exemption from the capital gain in real estate was 15 years old, Whether it is the IR or social security contributions, recalls the deputy UDR (Union of Laws for the Republic) Eric Ciotti, in the presentation of the reasons for a bill aimed at “Relaunch the housing sector”tabled in the National Assembly on May 13 and which will be examined by the National Assembly Committee on the National Assembly Wednesday June 18. Lengthening the duration of detention “Has a negative impact on the real estate market. For fear of being heavily taxed, the owners are encouraged to maintain their goods in their heritage, rather than taking them to the benefit of applicants such as the young generations ”underlines the parliamentarian. He therefore offers Bring the duration of detention to 10 years To benefit from a total exemption from the IR and social security contributions from the capital gain.

His bill also establishes a “moratorium”, without further details, on theProhibition to rent thermal colanders. Under the climate and resilience law of 2021, the housing classified G on the diagnosis of energy performance are indeed prohibited from rental since January 1. A ban that will strike the goods classified F in 2028, then those noted in 2034. “The cost of energy renovations, often heavy for small donors, is difficult to sustain in a context where theAccess to credit is restricted “argues the deputy. And, “By excluding from the rental market thousands of dwellings that do not yet meet these DPE criteria, the available supply is mechanically reduced, even though demand continues to grow”he adds. It is still necessary that his bill, that he would like to see in force on January 1, 2026, be examined and adopted by the Parliament. The text will be discussed in public session in the National Assembly the June 26.

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