Selexium accompanies you at each step of your project
Develop your estate
Investing in brick and mortar is still today a safe and much appreciated investment. Several objectives can be aimed at, but the main one remains the creation or development of wealth, useful to the investor today and to his descendants tomorrow.
Optimize your investment by opting for real estate tax exemption
Real estate tax exemption is a way for the State to give a boost to property buyers in areas considered to be in need. Several mechanisms are put in place and provide access to significant tax benefits.
Choose the right property
Once the nature of the real estate investment has been determined, it is not always easy to find or choose the right property for you. A good investment, adapted to your desires and your needs and above all that is profitable. This is why it is essential to take the time to choose your property correctly.
Obtain the best conditions for your real estate loan
A good borrowing profile will always obtain the best borrowing rates on the market. You still need to know the quality of your file and the weighty arguments to use during the negotiation. It is important to surround yourself with competent professionals to help you in your efforts.
What other financial investments are available to me?
Financial investments benefit from advantageous interest rates and are therefore often more profitable than other more traditional savings systems such as the Livret A passbook savings account, for example. Nevertheless, it is very important to surround yourself with good professionals who provide quality advice so as not to risk making a bad transaction.
Quality post-investment follow-up
Because proximity and reliability are two of our core values, our teams do not leave you to your own devices after you have invested. We follow you in your steps according to your needs and remain at your side, listening to you for your first tax returns for example.
We help you to find the rental investment adapted to your project
Selexium group in a few figures
Our experts at your service
With recognized diplomas and certifications, our experts ensure you a quality service to meet your expectations. They accompany you in the optimization and management of your assets, to reduce your taxes or to build up your assets and pass them on to you.
Financial investments : The best 2021 financial products
Building an asset base also means diversifying your investments. This is why our experts in wealth management select for you the best financial investments on the market so that you can make your savings grow.
Our experts carry out a first assessment for you in order to help you define your patrimonial objectives, then, to reach them, whatever they are:
- Develop your real estate or financial assets
- Reduce your taxes
- Prepare for your retirement and protect your loved ones
Wealth management consultant
The privileged interlocutor for your projects. He accompanies you in the management and optimization of your assets. For any question or information, he will be your main contact.
Real estate tax exemption
Do you want to reduce your taxes by going through a real estate tax exemption system? We put all our expertise at your service to help you choose the system that will be best suited to your situation.
As an expert in tax law, he advises you in your projects in compliance with the regulations in force. His objective: to develop specialized patrimonial solutions and to settle possible litigations.
As a public officer and legal advisor, he brings all his expertise in the fields of real estate law and patrimonial transmission.
Finance your project with a real estate loan
You wish to quickly realize a real estate project? Our brokerage experts will put their professional skills at your service to find the most advantageous real estate credit rate that best suits your borrowing profile. Calling upon a real estate broker is the assurance of saving time and facilitating many procedures, most of which are complex for young buyers.
Selexium’s teams favour trust and proximity to the client to ensure that they find the personalized solution that comes closest to the investor’s desires. Trust us and follow the evolution of the rates applied in all regions of France according to the different projects.
Real estate broker
Its role: to help you save money by finding the best conditions on the mortgage market and to provide you with expert advice on financial arrangements adapted to your situation.
As a true partner of proximity, he accompanies you in the accounting, legal, tax and social fields. Its mission: to optimize your assets by helping you make the right decisions.
Invest in real estate in France
Develop your estate
Anyone with the capacity to invest has an interest in building up and developing a real estate portfolio. This with the aim of generating future earnings and thus obtain additional income to improve their standard of living in the short, medium and long term, or simply to ensure their future and that of their descendants.
The development of assets can be done in different ways, through real estate investment or various financial investments. In each situation, the professionals of the Selexium group are at your service to offer you adapted and personalized support.
Investing your money
How to invest your money? In addition to real estate investment, investing money, if well accompanied, can be a profitable and interesting savings solution. Several sources of investment are available to you. Their interest varies according to your objectives. Desired duration of commitment, expected gain, conditions to be respected will be as many criteria that will define the quality of the investments according to your profile.
Passing on your estate
Anticipate your inheritance: preparing your estate in advance makes it easier for your descendants to take the necessary steps and ensures that the wishes we apply are our own. Whatever your plans are, Selexium’s experts will try to find the most suitable means to fulfill your wishes, during your lifetime or after your death.
Why and how to tax exemption? When making a targeted real estate investment, it is important to take into account the different possibilities of tax exemption. Indeed, it is a major asset in a project, which can increase the profitability of a property and generate savings for the buyer. There are many real estate tax exemption laws in force, affecting a large geographical area and all types of property.
Preparing for retirement
How to prepare for retirement? Leaving active life can scare some taxpayers. A drop in income and, consequently, in the standard of living can be anticipated. Optimizing your income to prepare for your retirement is an effort that should be made today. Let us help you create your personalized solution to reach your long-term goal: enjoy higher income and be serene when the time comes.
Efficiently administering one’s assets, optimizing one’s asset management so as to always keep an eye on current investments and their profitability is essential in a long-term project. Our professionals, close to you and experts in their field will put all their know-how at your disposal to manage your assets correctly and efficiently.
Protect your loved ones
How can we guarantee their financial security? Because it is important to protect oneself and one’s loved ones against potential life’s setbacks, insurance is a solution favored by the French, whatever the circumstances. Like housing insurance or job loss insurance, there is also family insurance. We offer adapted solutions in partnership with recognized insurers, at preferential rates.
What is real estate tax exemption?
Real estate investment does not lose its place of choice in the hearts of the French. All the more so when it is accompanied by a tax advantage. Many taxpayers choose to invest in a property according to its adequacy to certain conditions of tax exemption. Several laws are in force and offer investors a considerable tax advantage, whether in the form of a credit or a tax reduction. This allows the Government to revive the most neglected real estate parks and to reward property buyers by helping them achieve their objective. Thus, both old and new properties, rental investment as a principal residence and seasonal rentals are rewarded according to the area where the property is located.
The Pinel Law
The Pinel law is aimed at investors in new and old real estate and entitles them to a progressive tax reduction depending on the length of time they have been committed to renting as their main residence. The owner must rent his property for between 6 and 12 years to occupants who respect the income limit updated every year according to the zone in which the property is located.
The Denormandie law
The Denormandie law follows on from the Pinel system in the old system and rewards purchasers of a property to be renovated requiring at least 25% of the purchase price to be spent on works. The conditions to be met are similar to the Pinel law. The tax advantage linked to the scheme allows the investor to save up to €63,000.
Landlords generating high incomes from their furnished rentals can benefit from a professional status. This allows the taxpayer to benefit from advantageous tax conditions linked to the amount of his profits. These must represent more than 50% of the total income of the tax household.
Any lessor renting a furnished dwelling as a principal residence benefits from the status of non-professional furnished landlord. He must declare his income as industrial and commercial profits and not as property income. The amounts generated are less taxed than for a naked rental.
The Censi-Bouvard law offers a tax reduction of 11% of the price of the invested property spread over 9 years. The buyer must invest in a service residence (student or for disabled people, for example) and rent his property, furnished, for a minimum of 9 years. Censi-Bouvard allows the investor to recover the VAT paid.
The Cosse Law
In force until December 2022, the Loi Cosse, otherwise known as the u0022Affordable Rentalu0022 scheme, allows an owner-lessor to benefit from a tax advantage when he agrees to rent out his property while respecting rent ceilings. Thus, by signing an agreement with the ANAH, it will allow modest households to be housed more easily.
The Girardin Law
The Girardin law aims to revitalize the real estate market in the overseas departments. It gives the right to a tax reduction of up to 50% of the price of the property. The ceiling for tax niches in these territories has been raised to €18,000 (compared to €10,000 in metropolitan France).
The Malraux Law
The Malraux law only applies to buildings that are part of an approved conservation and development plan or an approved architectural and heritage enhancement plan. The purchaser must carry out a complete restoration of the building to access a maximum tax reduction of €120,000 over four years.
The Historical Monuments Act
History lovers are rewarded for investing in a Historic Monument in order to preserve and maintain it. It is one of the only laws that does not oblige the owner to rent out his property and does not limit the amount of the purchase to benefit from tax advantages.u003cbru003e
This is a genuine tax mechanism that allows the landlord to deduct (in whole or in part) the difference between the expenses paid and the income received, from his overall income, up to a limit of 10,700 euros per year and provided that the property concerned is leased until December 31 of the third year following the allocation of the deficit.
Bare ownership real estate investment, also called u0022dismembermentu0022, consists of temporarily acquiring only the walls of a property. The usufruct, or the right to dispose of a property as one sees fit, is held by another person for a temporary period of time (on average 15 to 20 years). This mechanism allows the investor to access property at a lower cost than when investing in full ownership.
We help you make your assets grow
Choosing Selexium means choosing to be accompanied by experts in wealth management, able to support you during all the stages of your estate project. Whether you wish to invest your money, develop or transfer your wealth, tax exemption, prepare your retirement, or protect your loved ones, our experts in wealth engineering will guide you towards the solutions best suited to your objectives.
If you choose to invest in real estate, they will advise you from the beginning to the end of the project, directing you towards the tax exemption system that best suits your needs. They can even help you discover certain new properties, or accompany you in your administrative procedures, particularly with regard to taxes.
Our advisers will also be present when it is a question of accompanying you to finance your project by helping you to find the best market conditions for your real estate loan. And of course, they will also be able to offer you the best financial investments in relation to your profile and your personal situation. It is by working hand in hand with you that our wealth management experts will be able to advise you in the best possible way and help you develop your assets.
Find the financial investment that suits you
Investing your money in a variety of vehicles is often a more profitable decision than simply saving in a bank. However, making an interesting financial investment is not as simple as it seems. The help of an expert in the field is invaluable in order to avoid taking risks. Another advantage of a financial investment is that the tax authorities authorize, for certain supports, the tax exemption of a part of the generated profits. The tax reduction can become very advantageous.
Life insurance leaves the amount saved at the disposal of the saver if he wishes to use it in part or in full. The payments are free, which leaves total autonomy to the taxpayer. The proposed contracts are personalized according to the profile of the saver in order to reach the objectives of the subscriber as quickly as possible.
Retirement Savings Plan
Introduced in October 2019, the « PER » is the new Retirement Savings Plan designed to bring together and eventually replace existing schemes. Thanks to a better reading, an easier management and a greater freedom in terms of payments and withdrawals, the PER tends to become THE essential investment to prepare your retirement.
Attractive returns, simple management and secure investment are all reasons for the popularity of non-trading real estate investment trusts. This status makes it possible to invest in rental real estate investment trust. Secure but complex investment, it is advisable to be guided in your first subscription to a REIT.
Share Savings Plan
The « PEA », share savings plan, allows you to build up a portfolio of company shares. For an interesting return, it is advisable to keep it between 5 and 8 years minimum. The only conditions to be met: respect the €150,000 payment ceiling and close the plan if you withdraw before the end of the minimum period. The gains obtained are exempt from income tax.
The securities account operates more flexibly than the PEA and allows you to hold securities on a national and international scale. Experts advise to keep it for a minimum of two years. The investor can hold several securities accounts. These give the right to a 50 to 60% discount on capital gains for accounts that have been in existence for at least 2 years.
The Madelin law is aimed at non-salaried, non-agricultural professionals and allows them to deduct contributions to provident and health insurance contracts from their taxable income. It came into force in order to encourage these workers to protect themselves. It is ideal for building up savings in anticipation of retirement, when the capital accumulated on the policy taken out will be released.
Innovation-focused mutual funds
The « FCPI », Innovation-focused mutual funds, are reserved for seasoned financial underwriters because the investment is risky. The objective is to finance innovative small and medium-sized companies. Risk-taking is rewarded by a considerable tax break: a tax reduction equal to 18% of the amount invested.
Local investment fund
Considered, in the same way as the FCPI funds, as a risky investment, the « FIP », local investment fund concerns financial support for companies with fewer than 250 employees and revenues of less than 50 million euros. The tax advantage is the same for the local investment fund as for the Innovation-focused mutual funds: a tax reduction of 18% of the investment.