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Real estate credit: the SCI, a solution not to get into too much debt?

2022-01-04T17:43:09.189Z


DECRYPTION - Investors are among the most penalized by the mortgage squeeze. Is setting up an SCI a good idea?


Mortgage rates are still low, but not everyone can take advantage of them. This is the case for first-time buyers but also investors, the main victims of the credit crunch (borrowing period limited to 25 years and debt ratio of 35% of net income, Editor's note), imposed by the financial authorities. “

The abandonment of the differential debt calculation, taking into account the expected rents as a deduction from the monthly loan payment, has led to the exclusion of the credit of many investors. This could become problematic because 60% of the rental stock belongs to private landlords who are essential to maintain a sufficient level of rental offers and to avoid inflation in rents ”

analyzes Sandrine Allonier,Director of Studies at Vousfinancer.

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Clouds on the horizon for rental investment

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Source: lefigaro

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