It will not be a surprise to anyone, the pensions of future retirees should continue to decline.
To remedy this situation, there is only one solution: put money aside now so that you can have additional income tomorrow.
With this in mind, many are turning to the purchase of a rental property, the stone keeping a reassuring side.
But you have to be ready to face the pangs of the owner-lessor (unpaid rents, work, charges…) and to bear the tax, which is not very lenient.
As rents are added to all taxable income, they are taxed up to your marginal tax bracket, as well as social security contributions, i.e. a bill of more than 60% for the largest taxpayers!
To reduce the pressure, opt for a purchase on credit, even if you already have the necessary capital: it will be possible to deduct the interest on the loan from your taxable income, which will lower the bill.
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