Whether buying, selling or renovating, the life of property owners is a journey strewn with pitfalls. Several start-ups have developed innovative models to help them.
Buy with little down payment
Sezame Immobilier, Virgil, Neoproprio: these start-ups support individuals who are unable to become owners, particularly in cases where their personal contribution is insufficient. Sezame Immobilier relies on the rental-ownership system. « Our real estate company buys the property, explains Clara Tairraz, co-founder of the company. The client then pays us a fee, but this rent is not paid outright: it is used to supplement his contribution so that he can purchase the accommodation within twelve to eighteen months. »
Read alsoThe family loan, a booming tip for buying your first home
The property company Virgil, for its part, co-invests in the property alongside the client, for an average amount of 50,000 euros. « When it is resold, explains Keyvan Nilforoushan, co-founder of the start-up, Virgil will receive his share of the investment as well as occupancy compensation based on the time elapsed. » Finally, Neoproprio operates on the principle of temporary ownership, over a period of twenty-five years, to reduce the acquisition price.
Sell without delay
Fear of uncertainty linked to a bridging loan, urgent need for cash to pay inheritance tax or following a separation: some owners are required to quickly sell their property. Homeloop addresses this problem in most large cities. It only takes a few days to get an offer: an expert comes to evaluate the property. It determines the purchase price, with a discount of 15% on average compared to the market: the price of speed. All that remains is to go to the notary, which takes up to two months depending on the files and the wishes of the seller, who must organize their move.
> Find real estate prices in Paris and the regions
« Our customers need certainty on the sale price, which we offer them within a few days, welcomes Vanessa Benedic, general manager of Homeloop, while they have no visibility on the price or deadlines when they put their property on the market via an agency. » The site then resells the accommodation and is paid on part of the added value made. “ It is a sharing of the value of the good », observes the manager.
Renovate at a lower cost
Insulation work, heating, ventilation: energy renovation can be expensive. Some owners do not have the resources necessary to finance the remaining costs beyond existing subsidies. Not being solvent, they cannot access a work loan either.
This is the case of Dominique Cadinouche, in Arcachon (Gironde): on disability, the banks refuse him a loan. « I bought a house in 2023 and started the work, confides the sixty-year-old. But after many unpleasant surprises, I found myself with a hole of 50,000 euros in my budget. » While waiting for the settlement of an inheritance which would have allowed her to complete her operation, she called on Vasco, specialized in financing energy renovation for a fraction of the property.
Read alsoVasco: a new way to finance your energy renovation
It is therefore not a credit. The operation requires going before the notary to sign the deed and the joint ownership agreement, for a period of ten years. Vasco's share of the property is directly linked to the amount of work financed: for property worth 300,000 euros, and work amounting to 30,000 euros, Vasco acquires not 10% but 14%. « The work carried out enhances housing, which gains on average three DPE labels, explains Hervé Degreve, one of the co-founders. This creates added value for both Vasco and the customer upon resale. »
However, it is important to remain vigilant regarding the consideration for each of these transactions.
File produced in partnership with Meilleurs Agents for the real estate prices used.
