Ton immobilier paie MOINS que le Livret A

👉 Watch the video presentation of my wealth management service:    • FAQ - Accompagnement Wealthim   *** By 2025, rental property investors have virtually disappeared from the market. This isn't a passing crisis. It's a mass exodus. And if you own a rental property in France, you need to understand why. As a wealth management advisor, I audit rental investments every week. And every week, I ask the same question: how much does your property actually earn you, net, after taxes? The vast majority of owners don't know the answer. 📌 On the agenda: Why the gross yield advertised by agents is no longer meaningful The complete net-net calculation: expenses, taxes, loan... step by step The 2025 LMNP reform: what the government will take back upon its release The Energy Performance Certificate (EPC): timeline, renovation costs, and discount on sale For whom rental real estate will still be viable in 2026 (and for whom it won't) 📊 Key figures: Average gross yield in France in 2025: 4.78% (Lokimo) Net-net yield after taxes (30% marginal tax rate): 1.52% Livret A savings account: 1.5% (no tenant, no renovations, no EPC) Sales by rental investors in 2025: 9,469 (-51% in one year), source: FPI 📈 Sources: FPI (2025 annual report), Lokimo Meilleurtaux, 2025 Finance Law, 2026 Social Security Financing Law, Le Meur Law (Nov. 2024), Climate & Resilience Law, Sichel Report *** My name is Valentin Chaponnay. Uninvolved bankers, hidden fees, poorly managed taxation... The world of wealth management is opaque. I help you structure your investments with a clear and rigorous strategy to stop losing money without realizing it and grow your net worth. 🔔 Subscribe so you don't miss any of my upcoming insights: what real estate agents and bankers don't tell you, I tell you. 🎙️ Find all my videos in podcast format here: https://start.wealthim.com/podcast-va... *** #rentalproperty #wealthmanagement #personalfinance Summary: 00:00 - Investors are fleeing French rental properties 01:25 - Why millions of French people have invested in real estate 02:55 - The Sophie case: we do the real calculation 03:45 - The hidden costs that no one shows you 05:14 - The taxes that weigh everything down (marginal tax rate + social security contributions) 06:18 - What the LMNP 2025 reform changes for you 07:03 - Credit vs. net-net return: the difference that kills 08:36 - Energy Performance Certificate (EPC) and liquidity: exit is a trap 10:34 - For whom will rental properties still hold up in 2026? 13:49 - This what should be done instead