Invest in real estate from a few hundred euros ? It is this that allows the SCPI. Here are the rules that apply to this investment essential for the diversification of its assets.
A " real estate investment trusts (REITS) can invest indirectly in real estate, mainly business, while avoiding a daily management, and enabling the diversification incomparable. This placement is adapted to receive income on a regular basis.
How it works ?
A management company harvest the savings of many individuals to build up capital. With the funds, it buys real estate (new housing, offices, shops, hotels, equipment, tertiary,...). It then ensures the management of the park and set up (choice of the tenant, rental management, work, resale, buildings,...) and returns regularly to its unitholders on a proportionate share of rents collected.
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The capital is guaranteed ?
No, you are not immune to a decline in real estate prices.
What is the entry ticket ?
It is from a few hundred to thousands of euros, according to the REIT.
The money is available ?
With SCPI performance, which invest in commercial real estate, it is possible to sell its shares and recoup its funds in a few weeks to a few months. In contrast, REIT tax, invest in new housing with a tax advantage, you agree to keep your units during a number of years. For the SCPI Pinel, for example, this duration is nine years, but in reality it often takes three or four more years to recover all the savings, the time that the REIT has sold all of its real estate holdings.
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How much does it yield ?
In 2018, the REIT yield reported average of 4,35%, compared to a 4.43% in 2017. The performance of the REIT tax is significantly less, but they offer tax savings.
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What is the tax rule ?
without the capital gain, the tax applies to income-based affected. These are of two orders :
- financial income due to the cash investments of the REITS, which are a tiny fraction of the income distributed, are subject to the flat tax of 30%,
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- the land revenue, the majority, are taxable to income tax on the income under the two regimes. The micro-foncier applies if they do not exceed 15 000 euros in the year, and provided that the unitholder owns in a live well in the rental nude. In this case, only 70% of rents are taxable at the progressive rate of income tax. They are subjected to, in addition to social contributions of 17.2%. The second scheme, the land real, applies if the conditions of the micro-foncier are not met, or if the holder of shares of REITS is preferred. In this case, it is possible to deduce the entirety of the expenses (loan interest,....) of the proceeds received. The balance is then taxed on the portion of marginal taxation, and submitted, in addition to social contributions of 17.2%.
Practice >> check out the investment REITS in partnership with Corum
Where can you purchase ?
With your bank, some insurance companies, management companies, consultants in wealth management, or specialized platforms on the SCPI.
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Our advice 2019
The slight erosion of yields will tend to continue. In spite of everything, the PCSI performance and keep a real attraction for lovers of regular income. Easily accessible, managed and cost-effective, they offer a diversification of heritage interesting.