2024-08-05 13:01:26
Always higher, always heavier, always more expensive. This is not an Olympic motto, it belongs to them property tax. According to a recent study conducted by the credit broker MeilleurTaux, we learned without great surprise that the weight of this tax continues to increase in the budget of families who start a property. A few months before the payment of this tax that affects all property owners, the broker points out that the property tax now pays an average of 113 euros per month in the largest French cities compared to 105 € per month a year ago.
Relative to the monthly payment of debt (to get a property of 70 m², loan over 20 years at an average rate of 3.75% without insurance), the burden of taxes is more surprising. This is even more the case in cities where property prices are low. This is it Saint Etiennethe smallest city in this situation, paying your property tax is two months’ worth of extra credit.
Two penalties in Toulon
Other cities at the top of this position have the same idea of low purchase costs: this is the case of Perpignan and Nîmes where the credit represents 1.8 monthly payments, Le Havre and Mulhouse (1.7 monthly payments) and Le Mans and Limoges (1.6 monthly payments). “Beyond the increase in interest rates from spring 2022 which clearly contributes to increasing monthly payments and adding property taxes which continue to increase, it is clear that the money is increasing from year to year for owners and it will be clear that it will be. the same in 2024,” underlines Maël Bernier, communications director and spokesperson for Meilleurtaux.
Sometimes, it is a double penalty as in Toulon where the average prices are high (€ 3,486 / m²) but so is the property tax (€ 1,419), which means that it still represents 1.3 monthly payments . At the other end of the ranking, we logically find the cities where real property is the most expensive. Confirmation that the method of calculating this tax is not very reasonable, these are already the lowest places in the country as a whole (Lyon is now the 2nd city in this situation where the property tax is the lowest most after Mulhouse ). And then, the purchase prices are so high that the taxes appear negligible. In Nice, Aix-en-Provence or Lyon, the property tax is only half the monthly payment. And in Paris, despite the recent increase in taxes (which went from 770 to almost 1250 euros), we are at a monthly payment of 0.3 anecdotal.
Remember that with the disappearance of tax house for all primary residences, the weight of the general property tax has fallen (except for multiple owners who are subject to cumulative increases in property tax and housing tax which they continue to pay ).“However this is an additional feature to keep in mind, Reminder Maël Bernier about the loss of property tax. This is especially the case for first-time buyers who are not used to paying taxes on top of the rent. This is a jump in load to be included in the calculations. “
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