PLF 2025 - nouveau LMNP 🆚 location nue 🆚 Société à l'IS - Le LMNP n’est plus si rentable… 🥊

Summary

The video explores the financial impacts of recent regulatory changes on rental property investments in France, particularly focusing on LMNP (Loueur en Meublé Non Professionnel) versus bare rentals. Through detailed case studies, it examines profitability over 10 and 20 years, highlighting how current laws affect capital gains and tax liabilities. While LMNP shows promise in the long term, bare rentals currently offer better short- to medium-term returns. The speaker emphasizes the importance of understanding these dynamics for strategic investment decisions and encourages viewers to seek tailored financial advice.

Takeaways

• 📉 New regulations have significantly reduced the financial advantage of LMNP compared to traditional rental options.
• 💰 LMNP balance decreased from €83,507 to €55,000, indicating a loss of nearly €28,000 in advantages.
• 📊 Over 20 years, LMNP shows a balance of €166,249 compared to €158,249 for traditional rental, regaining an edge in long-term investment.
• 🏢 Companies face higher tax burdens, making traditional rentals generally more favorable for long-term investments.
• ⏳ Short-term analysis suggests that traditional rental options are currently more beneficial than LMNP under new tax laws.
• 🔍 Long-term, LMNP can be more profitable, but it requires time to realize these gains.
• 💡 The analysis provides valuable insights for potential investors regarding rental strategies under changing regulations.
• ❓ Viewers are encouraged to ask questions in the comments for further clarification on the topics discussed.
• 📹 The creator has a wealth of videos covering various related topics for those seeking more information.
• 👍 Engagement from viewers through likes and subscriptions helps increase the channel's visibility.

Q & A

What are the main types of rental strategies discussed in the video?

The video discusses two main types of rental strategies: Loueur Meublé Non Professionnel (LMNP) and traditional rental (location nue).

How has the recent law impacted the profitability of LMNP?

The recent law has decreased the profitability of LMNP, resulting in a loss of approximately €28,000 in advantages, as evidenced by a reduction in the bank balance from €83,507 to €55,000.

What are the projected financial outcomes for LMNP and traditional rental over 20 years?

Over 20 years, the bank balance for LMNP is projected to be €166,249, while for traditional rental, it is projected to be €158,249.

Why does the speaker prefer traditional rental over LMNP in the long term?

The speaker suggests that traditional rental is generally more favorable due to the high taxation associated with LMNP, especially in deficit scenarios.

What conclusion does the speaker draw regarding the short-term and long-term profitability of LMNP?

In the short term, LMNP is less attractive compared to traditional rentals, but it may become more profitable in the long term if given sufficient time to recover costs.

How does the speaker encourage viewer engagement?

The speaker encourages viewers to leave questions in the comments, subscribe to the channel, and like the video to enhance visibility and interaction.

What specific financial figure did the speaker mention for traditional rental in the long term?

The speaker mentioned that the traditional rental strategy results in a bank balance of €158,249 over a 20-year period.

How does the speaker characterize the societal tax implications of rental investments?

The speaker characterizes the societal tax implications as significant, indicating that they can make investing through companies less advantageous compared to traditional rental strategies.

What strategy does the speaker recommend for real estate investors facing current regulations?

The speaker recommends considering traditional rentals over LMNP, particularly in light of current regulations that affect profitability.

What is the main takeaway from the speaker's analysis of LMNP and traditional rental strategies?

The main takeaway is that while LMNP can still be a viable investment, traditional rentals may offer better short-term and potentially more reliable long-term financial returns, especially under current economic conditions.