
Investing in real estate or choosing a property to live in requires a good understanding of the specifics of each type of real estate product. Here is an overview of the main options available to you.

The Malraux law is aimed at investors who wish to renovate real estate located in safeguarded sectors or protected areas. In exchange for restoration work, the investor benefits from significant tax reductions (up to 30% of expenses). It is an ideal solution for those who want to combine tax relief with the preservation of historical heritage.
Investing in a property classified as a historic monument allows you to benefit from unique tax advantages. Restoration and maintenance costs are deductible from your income, with no cap. This scheme is aimed at heritage enthusiasts who are ready to preserve exceptional buildings.


Less well-known than the Pinel law, the Denormandie scheme encourages investment in older properties to be renovated in medium-sized city centers. In exchange for renovations amounting to at least 25% of the total cost of the project, the investor can receive a tax reduction similar to that of the Pinel scheme.

The LMNP status is aimed at investors who wish to rent out a furnished property, whether it is a traditional home or located in a serviced residence (student, senior, or tourist accommodation). This regime allows for a low-tax rental income due to the accounting depreciation of the property.

Buying a property to rent out is a simple and effective solution for building lasting wealth. Although there is not always a tax incentive associated with it, the regular rental income and the potential long-term appreciation of the property make it a strategy favored by cautious investors.
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Co-living is becoming increasingly popular, especially in student or urban areas. It allows for higher rents compared to a single tenancy while optimizing property occupancy.
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Short-term rental (such as Airbnb) is ideal in tourist or high-demand areas. This type of rental requires active management and special attention to local regulations.


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Primary Residence: Buying your own home is a major milestone in life. It is a long-term investment, often associated with financial aid such as the zero interest loan (PTZ) or tax benefits for first-time buyers.
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Secondary Residence: This appeals to those who enjoy vacations. While it is less tax-advantageous, it can be partially self-financed through seasonal rentals when you are not occupying it.
Intermediate Rental Housing (IRH) is a scheme designed to offer housing at intermediate rent levels. This scheme provides tax benefits, such as reduced VAT and a property tax credit for 20 years. These fiscal advantages make IRH a highly profitable investment potentially even more so than the former Pinel law.

How to Choose the Right Real Estate Product ?
The choice of a real estate product depends on your goals: tax reduction, wealth building, supplementary income, or retirement planning. It is essential to carefully study each option and seek guidance from a professional to optimize your investment strategy.
With such a wide range of options, real estate offers solutions tailored to every type of investor or future resident.