Vendre son appart ou le louer pour acheter sa RP ?

TO PARTICIPATE: https://coachings.richissime.net/radi... Ask Delphine Pinon your question. She'll answer you live! Mélany and her partner earn €5,000 net per month between them. They live in Aix-en-Provence — and they want to buy their primary residence there. Mélany already owns a one-bedroom apartment that she could rent out for €1,000 per month. He has a car loan. Their budget for a house is between €300,000 and €350,000. Delphine pulls out her calculator live. And the verdict is quick: even if they keep the apartment as a rental, even with a down payment, they end up with exactly 34-35% debt-to-income ratio. The absolute maximum. With €15,000 saved. But it's not the figure itself that's the problem. That's what it means in practical terms: 15 to 20 years by the end of the month. And if children arrive—daycare, nannies, maternity leave—it becomes unsustainable. In this excerpt from Radio Libre, Delphine says something she fully stands by: she has no qualms about putting a stop to the dream of homeownership. And she proposes an alternative that many don't consider—renting in Aix, keeping the €50,000 down payment, putting it to work, and building real equity rather than tying it all up in an overpriced primary residence. 👉 The complete calculation: car loan + mortgage + rental income at 70% — what banks really do 👉 Why renting in an expensive city can be smarter than buying, according to Delphine 👉 What Delphine advises couples earning €5,000/month who want to buy in a high-demand area --- 🎙️ This excerpt is from Radio Libre, Richissime's live format where Delphine answers community questions live about their personal financial situation. ___________________________________________________________________ If you would like a personalized analysis of your current financial situation from a member of our team, click on the link below: https://link.richissime.net/7bKANO ⏱️ It takes less than 2 minutes: simply answer 11 questions. 📊 Within 48 hours, you will receive a personalized analysis of your financial situation as well as advice tailored to your profile. ______________________________________________________________________ 🚀 Instagram:   / richissimepodcast   🚀 YouTube: https://www.youtube.com/@DelphinePino... 🚀 TikTok:   / richissimepodcast   🚀 All my offers: https://www.liinks.co/richissime This channel is dedicated to financial education, money, and the psychology of financial decisions. Here, we talk about investing, entrepreneurship, income, success, failures, and more broadly, everything that shapes our relationship with money. Hosted by Delphine Pinon, entrepreneur and investor, this channel offers in-depth analyses, insights, and conversations with entrepreneurs, investors, and inspiring figures. The goal: to better understand the economic and mental mechanisms that influence our financial choices, without jargon or unrealistic promises.