Buying your main residence is often a sense of meaning, which represents a substantial investment, both financially and emotional. Before taking the step and making an offer, it is essential to ask the right questions to avoid expensive errors. In this article, we invite you to explore the essential aspects to consider, from home potential, long -term accommodation to its profitability in case of rent.
Each question that will be asked can make a difference in the coming years.
Do I see myself in a year, three years, five years and ten?
When you buy a main residence, it is essential to have a medium and long term vision. This implies projecting in accommodation, visualizing your daily life and imagining any change of life that may arise. Time projection is a strong indicator of adaptation between the needs of the good and its future.
One year
After a year, you must feel comfortable in the house and the environment. This is a relatively short period, so your current needs must be met. For example, if you work on teleworking, is the dedicated space enough and comfortable?
Three years
Think of possible changes in life on a three -year horizon. There can be an increase in family, professional change or the need for additional space. For example, is accommodation spacious enough if you plan to welcome a child or work more frequently from home?
At five
Five years is often the horizon of a first real evaluation. If you are satisfied at the end of this period, it is because accommodation meets your expectations. That said, a mobile project in less than five years can question the relevance of the purchase in relation to a rentalBecause acquisition costs (notarial rates, local taxes, charges, etc.) are not yet amortized.
At ten years
On this horizon, deeper changes, such as the improvement work or evolution of the neighborhood. According to Insee, an owner remains on average 10.7 years in his main residence In France. Therefore, the possibility of staying in accommodation for a long time without getting tired is a successful option.
Is this a good investment if I have to hire it one day?
It is advisable to consider the rental potential for your main residence, because your personal or professional situation could evolve. Having the possibility of renting well easily will offer some flexibility. To do this, you must evaluate several criteria.
The rental demand in the neighborhood
Does the neighborhood attract tenants? The products located near services, transport, schools and green spaces are generally highly requested. Find out about him Rental vacancy in the sectorAnd if possible, the average rental levels. For example, an apartment in an active center will be more likely to find the makers quickly than the isolated accommodation.
Energy performance and the status of the property
The tenants are increasingly attentive to the quality of energy of the goods. Classified housing e o F in DPE (energy performance diagnosis) is often invested less easilyand the new regulations gradually prohibit the rental of certain goods that require energy.
Potential performance
If you have the income to cover the positions of your accommodation, a profitability calculation is essential. A good rule is to verify that the rental amount covers costs related to the mortgage, taxes and current charges. Gross rental yield of 4 to 6 % It is often considered satisfactory.
Do I plan with my furniture in him?
The disposition of the accommodation is an important factor to feel at home. If you cannot visualize your furniture and objects in space, property could lack practicality in use.
The dimensions of the parties
Are the pieces spacious enough to accommodate their current furniture? If your sofa or dining table does not find your place, it could be a problem daily. It is useful to observe the dimensions and compare with your furniture.
The arrangement and brightness
Some configurations may be more difficult to develop. The well -equipped and brilliant accommodation is often more pleasant to live. Exposure to the south or west, for example, is appreciated by the natural light it provides. Also verify the design of the kitchen, the bathrooms and if the integrated storage is present.
Good style
Some accommodation is very typical, with special architecture elements. If you have contemporary furniture, for example, you may find it difficult to project in an old house with a lot of charm, but little practicality.
Is the atmosphere calm and it looks good?
The external environment is as crucial as the interior of the accommodation. Before making an offer, it is imperative to completely understand the neighborhood and its atmosphere. Adaptation between your lifestyle and the environment can make your experience of life pleasant or, on the contrary, unpleasant.
Noise and discomfort
Take a walk through the neighborhood at different times to evaluate the noise level. The proximity of a passing road, an airport or a night business can affect its comfort. According to an investigation, The noise is cited as a source of discomfort by 47 % of the Frenchwhich makes it a significant criterion.
Stores and comforts
The proximity of stores, schools, public transport and green spaces contributes greatly to the quality of life. A good located near the essential services will also be easier to resell.
Security
Discover the security of the neighborhood. Some areas may have a higher risk of crime. A feeling of insecurity can be a source of daily anxiety. Crime statistics can be consulted with the City Council or local authorities.
Are charges and taxes sustainable for me?
The costs associated with the property go beyond the monthly payments of the mortgage. It is necessary to take into account the charges of co -ownership (if it is an apartment), the property tax and any maintenance work.
Coefficient charges
If you buy in a condominium, see the latest reports to evaluate the level of charges and building condition. High expenses or significant non -Budgetary work can weigh much in their budget.
THE PROPERTY TAX
It varies from one municipality to another and can be significant. A study shows that French pay on average 35 % more property taxes 10 years agoA criterion that should not be overlooked in the calculation of your monthly payments.
In conclusion, the purchase of a main residence is a structuring project that deserves to be carefully prepared. The key to a judicious choice is to know each other well, define their priorities and evaluate the property potential to meet their present and future needs. When you take the time to answer these questions, it increases your chances of finding accommodation where you feel good and where your investment will be the last.
