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property: the average selling price exceeds € 8,000 / m2 in paris neighborhoods

Despite some stabilization recorded over the past two months, last October the average selling price of apartments exceeded 8,000 euros per square meter in four districts of Paris.

"The property prices have stopped thrashing," says the barometer of housing prices in October 2005 directed by SeLoger. The survey, which contrasts with the traditional study so slow notaries, as almost "real time" changes in property prices during the sale or rental of property. However, it reflects still very high prices seen last two months.

In Paris, four districts in the average price of apartments in the former exceeded 8,000 euros / m2: it reached EUR 9,268 / m2 in the 6th arrondissement, 8982 euros / m2 in the 7th arrondissement, euro 8119 / m2 in the 4th arrondissement euros/m2 and 8038 in the 5th arrondissement. These prices recorded in October 2005 are roughly similar to those that were recorded in September 2005. Overall, all districts combined, the barometer SeLoger finds that stabilization, but no drop in Paris. Side rentals, rentals Paris m2 are staged monthly euros/m2 of 19.02 (19th arrondissement) at 28.78 euros/m2 (6th arrondissement). The average price for all districts combined new rentals in Paris in October 2005 is 23.90 euros.

In departments in the Paris suburbs, the sale price and rent stabilized. But the sales price levels are quite high: an average price in the Hauts-de-Seine from 4846 and 2701 euros/m2 euros/m2 in the Seine-et-Marne.
The study states, also, prices in Lyon (up for sale, for rent stable), Marseille (pause sales prices and rent levels), Bordeaux, Toulouse and Montpellier, these last three cities have returned with wisdom, prices and rents are marking time

source lesechos.fr

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Building: rates move

Not only the rates have stopped declining, but they tend to increase. According to Anil

, it is now possible to borrow on the basis of a fixed nominal rate slightly less than 4%.

Candidates for mortgage watch continuously the evolution of the yield curve. Although its rebound announced months ago has not yet occurred, halting the decline observed now could announce a turnaround.
" For a loan of fifteen year fixed rate, many institutions continue to offer rates expressed as nominal rates below 4%, "says the latest quarterly indicator of ANIL (National Agency for Housing Information) . CL eg lowest fixed rate appears to 3% against 2.85% three months earlier. As for the top of the range, she turns around 4.05%. Crédit Immobilier de France, it climbs up to 5.40%. The few variations primarily reflect higher reported rates of rearrangements. Side variable rates, the status quo prevails, with a range of rates between 2.50% and 4.60%.
Whether fixed or variable rates, the borrower must make its comparisons on the APR (annual percentage rate), which takes into account the cost of insurance and securities.
Source: Information Copyright © lesechos.fr

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The interest rate on home loans have stopped declining

According to Anil, it is now possible to borrow on the basis of a fixed nominal rate slightly less than 4%.

Candidates for mortgage watch continuously the evolution of the yield curve. Although its rebound announced months ago has not yet occurred, halting the decline currently observed could signal a trend reversal.
"For a loan over fifteen years at fixed rates, many institutions continue to offer rates expressed as nominal rates below 4%," says the latest quarterly indicator of ANIL (National Agency for Information housing). CL eg lowest fixed rate appears to 3% against 2.85% three months earlier. As for the top of the range, she turns around 4.05%. Crédit Immobilier de France, it climbs up to 5.40%. The few variations primarily reflect higher reported rates of rearrangements. Side variable rates, the status quo prevails, with a range of rates between 2.50% and 4.60%.
Whether fixed or variable rates, the borrower must make its comparisons on the APR (annual percentage rate), which takes into account the cost of insurance and securities.


source: lesechos.fr

Does No Xplode Expire

Riots will not lower the real estate, according to professionals

Urban violence should not bring down property prices in France, including the departments most affected by the riots, because, according to industry professionals , the structural shortage of housing.
"Apart from these economic events, it is structurally strong demand for housing remains. This could slow down the prices very occasionally but I do not believe at all in a market downturn, "suggests Anne Chenu, communications director of the National Federation of Real Estate (FNAIM).
"There is a basic need of housing, she says. The residents do not flee the suburbs and people will not give up to move there. "She said the presence of difficult neighborhoods has never prevented anyone from moving to the cities of sensitive cities.
Frederic Dumont, who leads a major study notarial Montreuil en Seine-Saint-Denis, shares the same sentiment. "It will undoubtedly have an impact on the evolution of property prices in France but it will be weak or nonexistent, because these problems mentioned do not appear with the riots, "he said.
Stressing that some buyers did not hide their reluctance to live in certain neighborhoods, he believes that they will be more vigilant, but only with respect to very specific areas, "islands where in any case, there was a lot of housing Social and thus few assets to acquire. "
In his study, the 30 employees who handle more than 3,000 procedures per year, have not found these days of knee-jerk reactions, concerns even breakage of their clients. "I even believe that the riots could have a beneficial effect," suggests Mr. Dumont optimistic, given the announcements of rehabilitation and is now expected acceleration of housing programs. Result: professionals still do not believe a collapse in prices, but simply a deceleration in 2006, rising prices throughout France.
In October, former real estate prices continued to rise by 11.4% compared to October 2004, according to statistics FNAIM. But the rate is now lower than that observed in 2002. In 2004, prices real estate had increased by 15.5% and FNAIM table for 2005 with a rise of about 10%, consistent with the soft landing scenario that provides for months. The real estate network
Era, which includes more than 350 branches in France, also put on further price rises accordingly, says a spokeswoman, that France is the European country which has the lowest rates of individual owners (57%). "People are always more numerous in wanting to own," she says.
professionals still expect the next statistics to refine their initial impressions. "In three months we will visibility of the market. Today, it remains premature because we are still in the heart of the phenomenon, "says Ms. Chenu.
Urban violence that began Oct. 27 spread to 300 communes and about 8,800 vehicles were torched. Delphine Touitou

- AFP

16/11/2005

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Who benefits from the property boom

apartment prices which rose by 12.5% on average in one year, taking home 69% of their value in 5 years, market does not seem to calm down ... For now the boom is here and there are no losers in this giant monopoly. And maybe even
the crash as some predict will not happen and that ultimately there will be only winners.
While talking about just winning, and review those to whom the boom has benefited and still benefits without asking us how long sterile yet.

• Realtors
• Banks
• Notaries
• The state and local Internet sites

Realtors
They were 15,000 ten years ago, they are today ' Today 25,000. This means if the profession attracts vocations. Their pay in France varies between 4 and 6% (2% in England only ...). For now, estate agents, attracting only 45% of transactions, a figure that could rise if they decide to lower their price ... But no matter, Riding the wave of the boom, they pocketed an average of 6,000 € per transaction, which is a turnover of 200,000 € for 35 transactions (National average is calculated by the FNAIM). It is relatively well paid for if we are to believe the newspaper Le Monde (Thursday, October 6, 2005) "often the service is not up to par". ERA Network fared rather better than average (320,000 € in turnover by agency for 60 transactions per year)
take the survey and share your opinions on real estate agency

Banks
Yes, it is they who provide the fuel for the boom they motivate time access to mortgages. It is therefore fair that draws a fair profit! This year, 135 billion euros (2.5 times more than in 1998) were lent by banks for home loans, which is a record. Banks are also in real estate land for deployment, since according to "The Diary Agency "10% of agencies are already in the hands of banks.
trend that will likely be confirmed as we note that BNP Paribas is its real space, the Credit Foncier Keops bought in 2004, that the CDI, a subsidiary of Caisse des Dépôts has taken control of the House and the Cabinet Credit Mutuel has acquired the network Notices. Jean Lavaupot, the Director of the ERA states that the 43 boxes of the Credit Agricole were instructed "to target real estate agents over 50 years and purchase their stock in trade." It probably would lead to what he calls "a situation al'anglaise" where banks took control of the agencies and, incidentally, have lowered their pay to attract more customers. The UK agencies dealing in fact 90% of transactions (45% in France).

Notaries
This is not new: if for sale, there is a notary and therefore in any case, X% of the selling price of the property into their laps. In case of boom, as we now live, overheating watches the notary, this phenomenon so typically French. Since 1999 the notaries hired 7,300 new employees .. It is true that with a growth rate of 3.5% per year (since 1999), notaries need to arm further because it is not (yet) subject to relocate these jobs.

The state and local
boom benefits the state and therefore to some extent, to us. So thank you boom. Nothing in transfer duty (4.89% charged on a sale ... unless notaries and estate agents), the boom has reported € 5.7 billion in taxes (a good portion of the hole of the safety). The municipalities have allocated 1.72 billion, which constitutes the second fiscal resource departments. Added to this the capital gains tax paid by individuals who sell property held for less than 15 years and who is not their primary residence.

Websites
Of course, sites specializing in property benefiting from the boom. But probably more indirectly. But let's be fair, the net is a new way to find his home, evidence in support: 65% of transactions in Paris and 33% in the region are concluded following an online advertisement. But this is not tomorrow the day that the sites take a percentage of the sale of property. Too bad there ...

There are a variety of sites: those coupled with newspapers, those who have more shops and finally, the "pure players"-as-abonim.com, who consider that the Internet is a medium well enough, more efficient and less expensive.
We believe that the Internet can provide excellent service to both individuals and agencies in terms of advice, choice and diversity of offerings and the issue is not basically "what the market can do for us? But "what can we do to the market? .

source: abonim.com

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real estate and tax loopholes? A new real estate investment

Most tax benefits for real estate investors should get into the ceiling of 8,000 euros. But these are not only changes in the project.

The tax reform proposed in the draft budget law for 2006 and the law on "national commitment to housing" may reshape the landscape related to tax rental investment from January 2006. What will change things much for investors is whether its investment is affected by the cap at 8,000 euros per household increased by 750 per dependent child of the total "tax benefits" or if he keeps a place apart. In the current projects fall within the cap investments Robien classic, Malraux, tourism ZRR. The overseas and Historic monuments beyond. In any event, nothing is final yet, the parliamentary debate on the Finance Act 2006 may extend until the end of 2005. In particular the operators or ZRR Malraux law does not disarm and intend to lobby with politicians so that their operations are wholly or partly outside the ceiling.

The new device Borloo
As part of the law on "national commitment to housing" which should come into force in February 2006, Jean-Louis Borloo has made the revival of new home "intermediate" one of its priorities. With two goals: to contain rising rents and expand the supply of rental properties. To attract investors, an attractive tax system will be implemented. The amortization to be deducted from property income and other income even when property deficit would be 6% of the investment for seven years, 4% for two years and 2.5% for six years. In return for this advantage combined with a standard deduction of 40% on the amount of rent received, several constraints exist for the investor:
- the obligation to hire at least nine years of the home as their principal residence for the tenant ;
- to the limits of rent 30% lower than the new home market;
- Taking into account the resource ceilings for tenants, modeled on those intermediaries rental loans (PLI): a taxable monthly salary of 5,483 euros for a couple with two children living in Ile-de-France, Euro 3818 in cities more than 50,000 inhabitants and 3,340 euros for the rest of the territory.
Basically, it comes back to the amortization Besson who combined these two constraints and had to "correct" the excesses of Périssol. Combining advantages and disadvantages, Borloo "People" should be used, however, the minister said, "a performance superior to that of Robien, or 7.4% or 9% if the investment is made from a loan very social. " Even with the Robien who obeyed only a ceiling rents, it was difficult indeed to exceed 6%! And yet, the ceiling of market rents was defined according to different areas circumscribed and at levels significantly higher. Xavier Chausson, president of Open Financial, quips: "This prospective investment performance Borloo is quite magical, given the purchase price ceilings resource rents from tenants and said intermediate remain to be defined." Unless you buy in areas where prices become are still very reasonable. But if returns are at the rendezvous, the gain will not necessarily be applied in all sectors. Especially in small areas that this device will help. In terms of ceiling, the fate of the device Borloo is not yet determined, although the Minister of Social Cohesion, Employment and Housing sincerely hope that "this product is not included in the niches."

Robien The "refreshed"
Depreciation Robien proven, although some rent ceilings, especially in smaller towns, have contributed to rising house prices. And that's the segment of the market towns of less 50,000 inhabitants (Zone C) as the maximum allowable rent could go down to about 20%, from 9.59 euros per square meter to 7.50 euros. The amortization period would be reduced to nine years, to 6% of the purchase price during the first seven years, and 4% the following two years 8% against the first five years and 2.5% the next four years Robien in the original. This will have little impact on the taxpayer, according to the Federation of developers and builders. In addition, as part of the reform of the taxation of property income, the standard allowance of 6% could be removed.

The improvement for Overseas
Those who invest in the overseas territories would be gratifying, as the Finance Bill, a specific framework given the economic importance of investment. They benefit from a limit which would be 8,000 euros and 750 euros for each dependent child 15% of net taxable income.

Inconsistency for ZRR
investment in a resort area located in a rural revitalization (ZRR) qualifies for a tax reduction equal to 25% of the purchase price, within of 50,000 euros for a single person and € 100,000 for a couple. This reduction is spread over four years, a maximum total reduction of 12,500 euros (3,125 euros per year) for a single person and 25,000 euros (6,250 euros per year). Entering under the ceiling, the investment risk of being penalized, which is bad news for the common hotspots for tourism. "This position lacks coherence, said Gerard Bremond, president of the Pierre & Vacances. The development of revitalization zones installed long ago. The development of these sectors is generating jobs in construction and in services such as the DOM-TOM. The deputies areas also involved preparing to leap.

Misunderstanding for the Malraux Act
restricted to taxpayers heavily taxed, the investment risk Malraux law also suffer from the ceiling. This tax provision allows an owner of a building in a conservation area or an area of urban architectural heritage and landscape deduct the losses resulting from land reclamation expenses on his total income, and without any ceiling . Again, this is the rehabilitation of historic centers that might be delayed while most elected officials see a return to the inner city. And again MEPs mobilis

source: lesechos.fr