As property investment is a long-term commitment, it must fit a wealth strategy clearly defined during your prior review. Setting a maximum purchase price, the level of borrowing, the choice of tax regime and the ownership structure depends directly on your tax profile and your long-term objectives. GIA Patrimoine supports you from the strategic audit through to the rental management of your assets, integrating every legal, tax and financial dimension.
- 01
Step 01
Wealth review & opportunity study
Wealth audit & borrowing capacity
Analysis of your current debt, your marginal tax rate (TMI) and your savings capacity to validate the relevance of property investment within your wealth.
Market analysis & location
Micro- and macro-economic study of areas with strong rental demand, demographic analysis, development projects and targeting of the expected gross/net yield.
- 02
Step 02
Legal structuring & tax engineering
Choosing the tax status
Selecting the right tax regime (LMNP / LMP under the real regime, micro-BIC, unfurnished letting, tax-relief schemes) to optimise your after-tax income.
Choosing the ownership vehicle
Advice on investing in your own name or through a dedicated structure (SCI under income or corporation tax, family SARL) according to your transfer objectives.
- 03
Step 03
Sourcing & turnkey acquisition engineering
Rigorous asset selection
Targeted sourcing of high-potential properties: income-generating buildings, flats to renovate, new-build homes, managed property or indirect property via SCPI/OPCI units.
Financial modelling & negotiation
Precise simulation factoring in potential income and costs, works and tax impact, then negotiating the purchase price accordingly.
Arranging bank financing
Structuring the loan (amortising, interest-only, deferred) and negotiating the borrowing terms.
- 04
Step 04
Renovation, management & lasting value
Works management & DPE optimisation
Overseeing renovation/refurbishment works, bringing the DPE up to standard and bespoke fit-out to maximise the property's green value and profitability.
Integrated rental management
Tenant selection, drafting of leases and amendments, rent collection and handling of contingencies — hassle-free management for you.
Arbitrage & long-term monitoring
Tracking how the assets evolve, renegotiating the loan, refinancing or reselling at a capital gain according to market opportunities.
A property project often comes with a need for liquidity or financial arbitrage.
Discover our Financial Division →Ready to launch your property project?
It all starts with a wealth review. Let's talk about your objectives.