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The acquisition of real estate often allows you to gain additional square meters, or even 1 to 2 more rooms. In 65 identified large French cities, buying is thus more profitable than renting.
The lockdown has revealed that the French aspire to live in larger housing. However, between the uncertain economic context due to the health crisis, the rise in property prices and the desire to become an owner, some hesitate between buying and renting.
According to MeillAgents and the broker Vousfinancer, who carried out a comparative study in more than 150 large French cities, it appears that in 65 of the municipalities, it is better to buy your home rather than rent it to have more space. This is particularly the case in Montluçon, with a gain of 66 m² compared to rentals.
In practice, the strong purchasing power in these cities can be explained by a price per square meter which is well below the French average established at € 2,653 / m².
One more room
In a quarter of cities where buying is more interesting than renting, the French can have an additional room, i.e. between 9 and 18 m2 more. This is the case in Metz (9.6 m²), Roubaix (11.7 m²) and in more than a third of the municipalities, future owners can even afford more than 2 more rooms, or around 18 m². additional, as in Limoges, Évreux or Bourges.
The key to mortgage loans
As Sandrine Allonier, spokesperson for Vousfinancer, explains, “despite a context of high prices, there are many cities where buying real estate allows a gain in space over rental, on condition that you can obtain a real estate loan”. And this is not an easy task, because the banks are multiplying the refusals of mortgage loans.
To obtain funds from banks, according to the broker, you must have a personal contribution of 10% of the amount of the property, a stable professional situation and a monthly loan payment not exceeding one third of your salary, which is not always the case of modest households or atypical files such as those of seniors or people with fixed-term employment contracts.
And “buying is not more risky than renting, because it is possible to lower – or even suspend – your monthly payments for a few months in the event of a hard blow, which is not easy with a rent” analyzes Sandrine Allonier.
The list of the 65 cities where the purchase is more profitable
Agent
Alès
Amiens
Angoulême
Auxerre
Beauvais
Belfort
Béziers
Blois
Boulogne-sur-Mer
Bourg-en-Bresse
Bourges
Brive-la-Gaillarde
Caen
Calais
Cambrai
Carcassonne
Castres
Chalons Champagne
Chalon-sur-Saone
Charleville-Mezieres
Châteauroux
Châtellerault
Cholet
Clermont-Ferrand
Compiegne
Creil
Douai
Dreux
Dunkerque
Échirolles
Epinal
Evreux
Évry-Courcouronnes
Le Havre
Le Mans
Lens
Liévin
Limoges
Mâcon
Metz
Montluçon
Mulhouse
Nancy
Nevers
Niort
Pau
Perpignan
Poitiers
Quimper
Roanne
Roubaix
Saint Brieuc
Saint-Chamond
Saint Etienne
Saint-Martin-d’Hères
Saint-Quentin
Tarbes
Thionville
Tourcoing
Troyes
Valence
Valenciennes
Vandoeuvre-lès-Nancy
Wattrelos
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