November 2024 is the tenth consecutive month of decline in real estate credit rates[1]. Stone is becoming attractive again, particularly SCPI, an asset now accessible to all budgets.
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The SCPI returns to the forefront
In 2022, the European Central Bank decides to increase its key rate to avoid a collapse of the euro in the face of galloping inflation. Real estate rates are increasing, it is becoming more difficult to obtain credit, investing in real estate is becoming less attractive.
After 2 years of upward trend, the ECB relaxed its policy by reducing its main key rate, the deposit rate in July, September and October 2024[2]. This trend restores all its attractiveness to investments in SCPI (real estate investment company). With players like Moniwan, this investment is even within the reach of small savers.
A 100% digital SCPI investment
Real estate is a reassuring value, but the disadvantages of rental management hold back many investors. The SCPI allows you to free yourself from this, but the sums required to access this financial product have long been dissuasive for individuals. Moniwan now offers subscriptions to invest in real estate even with limited capital and diversify your investments.
Indeed, Moniwan offers an investment solution adapted to all investor profiles ranging from young savers from €20/month to tax optimization for the wealthiest.
Right now, Moniwan even reimburses you 2% of the amount invested for each subscription to an SCPI solution. This represents on average more than 5 months of additional income[3].
Your capital grows from the first euro paid: you can keep this capital gain or reinvest it. The SCPI is a long-term asset class whose capital is unguaranteed. The income received may vary upwards or downwards.
Discover Moniwan investments
A nice variety of projects
To suit the aspirations of all savers, Moniwan brings together a range of assets covering various areas. Investment to support SMEs and SMIs, investment in Greater Paris or large regional metropolises: choose savings that reflect your image. Health sector, development of Île-de-France, savings focused on European real estate or wine investment complete the offer.
The conditions of access, the level of risk and the potential returns evolve depending on the SCPI. Everyone can therefore develop a tailor-made strategy, in line with their profile. Moniwan experts are also at your disposal to guide you towards the assets suited to your projects. With the SCPI, you take advantage of the opportunities presented by real estate without mobilizing a large sum of money. This product can help you prepare for your retirement or free up funds to finance your children’s future studies.
3 types of investment
Scheduled savings is the flagship offer of Moniwan. You have carte blanche on the pace of payments, the perception of your potential income or their automatic reinvestment. The latter can be partial or global. Fees are clearly explained.
With the offer of 2% cashback on the amount of your investment, you obtain a reimbursement of more than 25% on your subscription commission[4]. To facilitate your projections, all returns indicated on the site are net of management: you know exactly what you can receive.
To complete its programmed savings offer, Moniwan also provides you with placement in SCPI in temporary dismemberment. The property is divided between a usufructuary and a bare owner (the saver) for a specific period. At the end of this period, you become the owner. You do not receive income from the shares acquired during the dismemberment period. On the other hand, the price of the shares is very advantageous and you have no charges, they are the responsibility of the usufructuary.
Investing in an SCPI can also be done using credit. This option allows you to acquire real estate assets by reducing your savings effort. The offer is offered in collaboration with a banking establishment. As with a traditional mortgage, the amount you can borrow depends on your income, but also on your contribution. Each month, you repay your credit, but your shares bring you potential income. The possibility of deducting your loan interest from your land income adds to the potential profitability of this project. At the end of the loan, you own your shares and continue to receive income.
After 2 gloomy years, investment in real estate is regaining color. Moniwan SCPIs offer a new opportunity to diversify your investments. Accessible through programmed savings, break-up or credit, they adapt to all savers profiles.
As a reminder, investing involves risks, particularly capital loss, be aware of this.
[1] Real estate loan: rates are at their lowest, here’s how much you can borrow depending on your salary
[2] ECB and euro zone: drop in the main rate to 3.25%, fears about growth
[3] Based on the average distribution rate on 2019 market value of the range of corporate SCPIs listed on the Moniwan website. Rate taking into account reimbursement from La Française Finances Services.
[4] Based on the average subscription commissions for corporate SCPIs listed on the Moniwan website.
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