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What accommodation for my student child?

6 July 2018

Find the right formula for a reasonable budget


That's it, the results have just fallen, you are delighted by the success of your child's Baccalaureate, which at the beginning of the next academic year will now have the status of a student. If he continues his education in your city, he is likely to continue living at home. If he or she leaves to study further, you have already asked yourself the question of the best choice to live and study in an environment favorable to his studies and his psychological balance. It's not always easy to know which is the best solution and find a social balance while controlling the balance of the family budget.


Furnished apartment, roommate, homestay, home or university residence?

Today, nearly one out of two students prefers to rent a furnished apartment. When some prefer the safe environment of a student home, confessional or not, it turns out that the preferred solution of colocation is chosen today by 20% of students, far in front of the independent room or at home. inhabitant (9% of them). It turns out that student residences are not really popular, because today they are strongly competing with the number of independent studio offers. The reality of the field is that housing in a studio in Poitiers, Brest Le Mans or Saint-Etienne costs about 60% less than in Paris. Nowadays one can carry out a first cycle of studies in the province in delocalised universities which knew how to draw their game of the game by the quality of their teaching and their excellent rate of success and which also participate in the revitalization of the average cities.


Invest to house your child in an apartment that belongs to you?

The apartments for sale by Cabinet de Charry


What if the idea was to invest and buy an apartment to house your student child? Winning on both tables, however, requires the respect of certain conditions. First, your child must be detached from the tax home, so declare his income independently of yours. Then, its annual resources must not exceed Pinel ceilings that depend on the location of the dwelling. If he is single, these ceilings are fixed. In addition to the certainty that your child will be well housed, your rental risk will be a priori virtually zero and you can achieve substantial savings, including by terminating your possible unpaid rent insurance which also covers voluntary damage.

Study the tax opportunity of a real estate investment to house your child
Being the landlord gives you the opportunity to continue to deduct expenses from your property income (works, interest, insurance, property tax). The only condition is not to rent much less than the market. If you do not comply with this obligation, the tax authorities may refuse the deductibility of the full cost of housing. In this case, it would tax you on a fictitious income, corresponding to the rent normally practiced. On the other hand, there is nothing to prevent renting in the low range and not to apply the annual revaluation.

Get in touch with Cabinet de Charry about invest to house your child in your apartment :

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