A Real Estate Investment Company (SCPI) allows you to become the owner of rental properties without having to worry about daily management. Everything you need to know, from purchase to taxation.
A real estate investment company (SCPI) enables you to invest in real estate, primarily in commercial buildings, without having to manage them daily and with unparalleled diversification. This investment is suitable for generating a regular income.
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Is the capital invested in the SCPI guaranteed?
No, you are not protected from a drop in prices.
Is the money available?
More or less easily, depending on the real estate market context and the quality of the SCPI. The timeframe is generally counted in months. With tax SCPI, you commit to holding your shares for a certain number of years. A minimum of nine years for Pinel SCPI, for example (all the info on https://www.logetoi.fr).
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How much do you get paid?
The yield of the SCPI is divided between the distribution rate and the appreciation of the share. Expect a little over 5% on average in the market.
What is the tax rule?
Excluding capital gains, taxation is based on the income generated. There are two types of income: The financial products from SCPI investments are subject to income tax according to the uniform withholding tax rule (30%) or possibly according to the progressive scale.
Investment income, which represents the majority, is subject to income tax under two regimes. The first, the micro-country regime, applies if they do not exceed 15,000 EUR per year. You must also be the direct owner of a property given purely for rent. On the other hand, you cannot own a property that is subject to a purchase price or a factory depreciation plan. In the case of microfinance, rents are taxed at 70% according to the progressive income tax scale and are subject to social contributions at 17.2%. The second system is mandatory in all other cases. It is the actual expenses system, where you deduct all your expenses. Social security contributions are also due at 17.2%.
Where can I sign up?
At your bank, with a wealth management advisor, or with a specialized online broker.