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Why buying and not renting :

 
     
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Why buying and not renting
Calculate the cost of your financing:

   - How much will I have to pay per month?
   - How much money do I need to have for buying?
   - What interest rate to choose? fixed or variable?
   - What should be the tenor fo my financing? 15, 20, or 30 years

 
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Advantages
Disadvantages
Tax saving
Plus
BUY FOR RENTING

Assure some dividends for the future (cmplement to your retirement).

The risk of decrease in the price of real estate is theoretical but exists.
If fnanced through a bank loan, interest costs can be deducted form your renting revenues.
The renting revenus may offset part or all of your financing expenses of your credit.
 
Possibility to recover the money you have invested or even get some capital gains.
You need a minimum money since your bank will finance about 80% of the good.
 
 
Helps you pay your financing.
If you have chosen variable interest rate, your monthly payments might decrease, depending on the evolution of interest rates. However, do not forget that they also might decrease.
 
PRINCIPAL RESIDENCE
Your real financing cost is the difference between the cost of your financing per month and what would have been your rets per month.
Acquisition and sale's prices depend on the evolution of the market.
Low inheritance taxes if your good is classified as national heritage.
 
 
Possibility to recover the money you have invested or even get some capital gains
Normaly, a minimum 20% on the acquisition price is needed before getting the financing.
Possibility of incorporating an entity that holds all your goods, in order to benefit from lower taxation.
 
 
If you have chosen variable interest rate, your monthly payments might decrease, depending on the evolution of interest rates. However, do not forget that they also might decrease.
Bank interests are deductible.
 
RENTING

 

Note that through monthly rents you are not acquiring the property of the good while it is not the case when financing your acquisition.
Some tax credits are possible.
 
 
 
Rents increase. Note that your rents are GDP-indexed.
   

 
   

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