No more payments to a third party, your monthly loan payments finance the acquisition of your home -
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When you are a tenant, you often have the impression of throwing money out the window by paying rent.
If your resources allow it, these monthly sums could be invested in a mortgage in order to buy a property.
No more payments to a third party, your monthly loan payments finance the acquisition of your primary residence.
“By becoming an owner, we build up a heritage.
It's a form of saving and in the meantime, you don't lose money every month. ”
explains Fanchon Simeray, real estate negotiator at Escaut Habitat.
An unbeatable price
“It's better to buy than to rent, especially given the current conditions.”
adds Fanchon Simeray.
“There are zero interest loans with ever increasing amounts while bank rates are dropping seriously.”
Of course, real estate in the new does not have the charm of the old but has real assets.
The new one allows to reduce the expenses of notaries corresponding to approximately 2.5 or 3% of the price of the accommodation against 7 to 8% in the old one.
Another advantage: new real estate is required to comply with the latest technical and environmental standards in order to achieve energy performance objectives.
Heating and energy savings are therefore induced.
In terms of maintenance, the choice of new is also that of serenity.
Logically, you will no longer have additional costs to pay or renovations to be carried out for several years.
“Whether we are on the collective or the individual, we are quiet for at least ten years.
Even if we have concerns, there are guarantees, especially from the manufacturer, that we can activate. ”
argues Fanchon Simeray.
Assistance devices
For the lowest incomes, the State sets up home ownership assistance systems.
They are accessible on condition that they meet means-tested criteria and do not exceed a ceiling depending on the composition of the household.
The sale in the future state of completion (VEFA) in controlled accession allows for example to become the owner of a new home at a lower cost than that of the market with a VAT reduced to 5.5% instead of 20%. .
Concretely, the VEFA is characterized by a staggering of the payments according to the progress of the work: you become the owner of the ground with the signature of the contract of sale with the notary then you become the owner of the housing as it is built.
As for the more hesitant, they can turn to the social loan for rental-accession (PSLA), again on condition that they do not exceed the resource ceilings.
With the PSLA, you first occupy the home as a tenant-first-time buyer and pay a fee consisting of rent and a supplement corresponding to the acquisitive share.
After one to three years, depending on the duration defined by the contract, you can exercise the option to purchase the home in order to become the owner.
The acquired part, paid in addition to the rent every month, is then deducted from the sale price.
“The advantage of the PSLA, specifies Fanchon Simeray, is that the rental phase makes it possible to ensure its repayment capacity.
In addition, the purchaser benefits from a VAT reduced to 5.5% and an exemption from property tax for fifteen years. ”
This method of acquisition appeals to young working people, alone or as a couple: “The prices are much cheaper in rental-purchase since it also gives the right to subsidies.
Above all, it offers the possibility of a return to the rear since you do not pay for the construction of your home unlike the VEFA where funds are released at each stage of the work.
Commitment and involvement are not the same. ”
summarizes the real estate negotiator.
This content was produced by 20 Minutes Production, the 20 Minutes content agency, for Escaut Habitat
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