Purchase of rental investment credits
A rental investor can use the combination of credits to reduce his monthly payments, an operation that allows to gather several home loans and consumption in one.
Rental investment: the mortgage
Most investors use the home loan to engage in rental investment, which helps finance the acquisition of the property as well as the costs of credit and the purchase of real estate. It is possible to cumulate several mortgages in order to acquire several properties and thus to perceive higher rental income. Simply, the accumulation of credits can lead to an increase in monthly expenses, which can be reduced with the purchase of credits. The principle is to reschedule the duration to reduce the amount of loan maturities, be they real estate loans and ready to consume.
Purchase of real estate loan for rental investor
The grouping of real estate loans proposes to a rental investor to readjust his loan expenses in relation to his income (conventional income and property income). The idea is to extend the repayment period to reduce the amount of the new reduced monthly payment. It is also possible to include in the funding an amount allocated to a new project (eg works). As part of the implementation of this operation, specialized credit institutions offer studies adapted to the profiles of rental investments, this is also the case with the calculation of the differential debt ratio.
Rental investment: free simulation of loan buyback
In the context of a loan buyback project, it is highly recommended to request a study from a specialized organization such as credit provider. Financial advisors are appraised in real estate loan consolidation studies for rental investors. Just fill out the application form and validate it, the result will be quickly communicated, moreover this request for study is completely free and without commitment.
Rental real estate, an investment that appeals to the French
With life insurance, the rental investment trustees the top positions of the ranking of preferred investments of the French. In a survey conducted in the spring of 2016, the French wishing to properly prepare their retirement rely mainly on real estate rental destination. With a 65% positive rating, this investment leads the way in life insurance (62%). By investing in stone, savers expect annual returns in the range of 2% to 7% depending on the property and its geographical location. In addition, faced with savings investments that are becoming less attractive, rental real estate remains a safe bet. By comparison, regulated savings stagnate below 1%, while life insurance contracted out of euro funds is expected to average 2% in 2016.
Rental investor, the benefits of loan consolidation
Placing funds in real estate at rental destination can prove to be a good investment. If the investments are a priori safe, it is necessary to maintain the property leased. As such, the lessor is bound by rights but also obligations. The maintenance works of the property are to be included in the calculation of net profitability. Whether for a simple interior embellishment or a renovation from top to bottom, the envelope allocated to work can quickly turn into a budget. In anticipation of these expenses, the rental investor with several loans in progress can turn to the redemption of his credits. Whether real estate or for consumption, loans can be the object of this banking operation. The borrower will see his debt ratio decrease. It should be noted that, during a buy-out or a grouping, it is possible, under certain conditions, to integrate the financing of a new project such as major works or smaller works (painting, remodeling, new boiler, roof, etc…).