Buying an apartment for your student child

Buying a home For his Student child is a solution adopted by many parents to avoid pay rent Raised in a student city. This approach makes it possible to secure your child's home while carrying out a rental investment in the long run. This purchase may also offer tax benefits, in particular via the Real regime Or the non-professional furnished status (LMNP). However, this decision must be well thought out in order to ensure the profitability of the investment.

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Why buy an apartment for your student child?

Every year, thousands of students have to find accommodation in student cities where demand often exceeds supply. Faced with High rents, many parents prefer buying a home rather than Pay rent for several years with no return on investment.

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Reducing expenses and building assets

Buying an apartment for a Student child allows you to avoid pay rent at a loss and to save money in the long term. After your studies, the property can be kept for a Leasing, thus generating rental income regular. This purchase then becomes a real real estate investment, making it possible to prepare for the future while building a heritage.

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A profitable investment over the long term

In some student cities, the acquisition price of a property remains affordable compared to large cities. One Buying an apartment well located allows you to hope for an increase in value over time, thus offering a resale opportunity with interesting added value. In addition, by choosing a small area, studio or one-bedroom type, rental demand will remain strong after the student leaves.

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Tax benefits and investment schemes

THErental investment in student housing can be optimized thanks to several tax benefits. These devices make it possible to reduce taxes and amortize certain expenses related to the maintenance of the property.

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LMNP status and advantageous taxation

The non-professional furnished status (LMNP) is particularly interesting for parents who want to rent the property after their child's studies. This status offers two tax options:

• Micro-Bic diet : An abatement of 50% On the rental income.
• Real regime : Deduction of expenses (loan interests, works, management fees), making it possible to optimize taxation.

The choice of Real regime is often preferred if the loads are significant. It allows a tax reduction more substantial by amortizing the property and furniture.

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Renting or buying: what is the best choice?

Before buying, it is essential to ask yourself the question: rent or buy ? If the child is studying for a long time, Buying an apartment is often more financially advantageous than Pay rent for several years. On the other hand, for a short time, the tenancy may be a more flexible solution.

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Renting out after studies: a sustainable investment

Once the studies are completed, it is possible to rent the property to make it profitable. In some student cities, rental demand remains strong, thus guaranteeing a Leasing fast. The rents received then make it possible to repay part of the loan or to generate additional income.

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The criteria to take into account before buying

Beforeinvest in student housing, several criteria must be studied to guarantee a good investment.

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‍Location: a key factor

The apartment must be located in a student city dynamic, close to universities, public transport and shops. One well located housing will more easily attract tenants and will sell better in the long run.

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Choosing the right surface and the right type of property

Les small areas as studios and T2 are the most in demand. They are more affordable to buy and are easily rented. It is advisable to favor a functional and well-arranged property.

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Verify the profitability of the investment

It is essential to calculate profitability by comparing the acquisition price, the charges, the rental income potentials and the tax benefits obtained thanks to Real regime Or at LMNP status.

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You may also be interested in this article: A complete guide to investing in a student residence.

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Conclusion

Buying an apartment for your Student child Is a real estate investment judicious, combining financial security and profitability. Thanks to tax benefits, with the possibility of Leasing and when building a wealth, this choice can be very profitable on the longterm. However, it is essential to study the market carefully and to anticipate the post-studies in order to maximize the profitability of the investment.

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FAQ

Should you buy an apartment for your student child or rent?

If the studies last several years, buying a home may be more profitable than Pay rent. For a short period of time, renting remains more flexible.

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What are the tax advantages of a student rental investment?

By opting for the LMNP status, investors benefit from a tax reduction and can depreciate the property via the Real regime.

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What is the best city to invest in student housing?

Les student cities such as Paris, Lyon, Toulouse or Bordeaux are ideal, because rental demand is strong there.

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What type of property should you choose to house a student child?

Les small areas (studios, T2) are the most suitable. They are cheaper to buy and are easily rented after studying.

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What to do with the apartment after school?

The good may be rented to generate rental income, resold with a possible gain in value, or kept for personal use.

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