Diving into the world of real estate can be complex, especially when it comes to choosing between new and old. As a versatile and curious pen, I have explored the subtleties of this dilemma to offer you comprehensive insight. Whether you are a first-time buyer or an experienced investor, this analysis will guide you in your decision.
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Financial issues: prices and additional costs
The financial aspect is often the crux of the matter in a real estate project. Contrary to popular belief, the choice between new and old is not simply a question of purchase price. All costs must be considered in the short and long term.
In new buildings, the price per m² is generally 10 to 20% higher than in the old one. On the other hand, this initial additional cost can be offset by different factors:
- Of the reduced notary fees (2-3% compared to 7-8% in the old one)
- A property tax exemption for 2 years (except exceptions)
- Of the energy savings thanks to better energy performance
- Little or no work to be planned in the first years
The old one, for its part, often offers more attractive purchase prices, particularly in the city center. However, you must be vigilant about hidden costs:
- Of the renovation work potentially important
- Of the higher maintenance charges
- A energy performance generally less
It is essential to draw up a complete financial assessment before making a decision. Here is a comparison table to better visualize these differences:
| Criteria | Nine | Ancient |
|---|---|---|
| Price per m² | Higher | Lower |
| Notary fees | 2-3% | 7-8% |
| Property tax | Exemption 2 years | Immediate |
| Initial works | Rare | Common |
| Maintenance charges | Bass | Higher |
Comfort, equipment and personalization
Beyond financial considerations, comfort and quality of life are determining criteria. The new and the old offer very different life experiences, each with its advantages.
THE new housing are distinguished by:
- A compliance with the latest standards (insulation, PMR accessibility)
- Of the modern equipment (home automation, fiber optic)
- Of the more functional and bright spaces
- The possibility of customize on plan
These characteristics make new a preferred choice for those looking for optimal comfort without constraints. As a versatile pen adapts to various subjects, a new home adapts to modern needs.
L’old real estate, for his part, seduced by:
- Her charm and its character (moldings, period parquet)
- There freedom of renovation and customization
- Of the volumes often more generous
- A better proximity to amenities in the city center
The old offers a unique field of expression for lovers of authenticity and renovation projects. It’s an opportunity to give free rein to your creativity, like an editor exploring new horizons.
Deadlines, guarantees and taxation: crucial aspects
The temporality of a real estate project can greatly influence the choice between new and old. Likewise, guarantees and tax advantages are elements that should not be overlooked.
In the nine, we observe:
- Of the waiting times of 12 to 24 months for a sale in the future state of completion (VEFA)
- Of numerous guarantees (perfect completion, biennial, ten-year)
- Of the tax exemption schemes attractive (Pinel law)
- Access to zero interest loan (PTZ)
These elements offer appreciable security, but require patience. It’s like crafting a well-researched article: the end result is worth the wait.
For theancient, we note:
- A quick availability (3-4 months on average)
- There warranty against hidden defects
- Of the renovation aid (MaPrimeRénov’, Éco-PTZ)
- The device Denormandie for rental investment with renovation
The former allows faster entry into the premises, ideal for those who, like a reactive web editor, must adapt quickly to new situations.
Making the right choice: a personalized decision
Choosing between new and old is not a simple equation. It’s a decision that should align with your personal priorities, financial situation and long-term life plans.
Consider the following points to narrow down your choice:
- Your overall budget : include the purchase price, additional costs and any work
- Your comfort priorities : are you ready to sacrifice charm for modernity?
- Your time horizon : how long do you plan to keep the property?
- Your appetite for work : do you like the idea of renovating or do you prefer turnkey?
- Your tax objectives : are you looking to optimize your taxation?
Remember that each property is unique. An in-depth visit, whether on a construction site or in a Haussmann apartment, will tell you more than a list of criteria. Let your intuition speak, while keeping practical and financial aspects in mind.
Ultimately, the choice between new and old is as personal as an editor’s writing style. There is no right or wrong decision, only the one that best fits your story and aspirations. Take the time to carefully weigh the pros and cons, and do not hesitate to seek professional advice to inform your decision.