Can anyboby reccommended "Assetz France "

Coolaboy

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This English based company are doing leasebacks in Paris. Seem well established. Has anybody used them?
 
Isn't leaseback just a big con just like 'guaranteed rental' schemes?

you end up paying far more than just buying it in the proper way?
 
Leasebacks in France are they only proper guaranteed rental product, as it's a french government scheme. Alot of them are in not so great areas however so get independent advice. But you are very well protected by french law. The management company for the development is very important and their degree of solvency. You claim the VAT back which I think adds a bit onto the price over its value. Costs of buying in France is quiet high but most leasebacks factor this in. If you find a good one, it's a no brainer and you cant go wrong. NOTE however they are a long term investment as no one is going to buy a lease back from you in 4 years time at a profit for you as the reduced yield they will receive will not add up and they will be tied into the same lease (Usually 9-11 years).
Carefull though, as much as its a safe investment, there are some real lemon developments among them.
 
Hi barryo,

Just to point out leasebacks are not guaranteed by the French government - as is often touted.

As you highligted a reputable management company is very important if buying a leaseback.
 
The whole leaseback issue in France is overrated; the concept is a good one, but to be honest much of what is out there at this stage of the market isn´t great, at best. People who got into this early on have done well, but once it became popular with foreigners the developers squeezed it for all it was worth, to the extent that we are now seeing the dregs. I wouldn´t buy any of what I now see for sale in the French Leaseback sector. In particular, I would run a mile from a lot of the Parisian stuff, which often consists of expensive hotel suites with a lot of burdens on title.

The first thing to remember about this product is that is can never give you a windfall profit. Never. The price is essentially a multiple of the lease sum, i.e. the product gives a 4% or 5% return or whatever, and the price is a multiple of this, i.e. 20 or 25 times the lease sum. The lease is typically linked to an index, so that at best the selling price will also be linked to this index, and can not outperform it. So any hope you have of benefiting from location, local potential etc. is not a runner. If all goes well, your property will inch forward in parallel with the index.

Of course that assumes that there isn´t a glut of properties in the market when you go to sell. As all the leases start from the same time, and all owners are tied in for the same period, then all the properties will come back on the market at the same time. Supply/demand?

Nobody tells you about issues with common areas, but these are a big part of the negatives around leasebacks. If a swimming pool has to be refurbished, or new carparks or other facilities provided, who pays?

Many of the leaseback properties will need to be completely made over at the end of the lease period. The leases are usually "full repairing", but this doesn´t include bringing up to date. In addition, hotel operators will work these properties to the limit, and the wear and tear on them has to be seen to be believed. You would need to look at properties managed for several years by the proposed operator before you make up your mind to effectively go into business with them.

All leasebacks in my experience are priced at a premium on the local market, usually between 20 and 40 percent on equivalent sq meterage. This is a sum that has to be discounted when selling, as the market won´t stand such a premium at that stage. When you take this into account, you will find that your 4% annual return is suddenly quite small.

Be very careful of so-called "aparthotels", essentially you are buying a hotel room which the lessor operates as part of a hotel. Almost all of these have a clause that forces you to offer it to the hotelier at "market price" when you come to sell. The problems arise with determination of "market price". Many other ordinary leasebacks also have exit clauses that force you to offer the property to the developer or hotelier, and "market price" can be 20% below what you would get for a similar unburdened property locally.

The big issue with these projects is the inability to make windfall gains though; all the other issues are more or less of a problem depending on the development. The main thing to remember is that you need to look beyond the information provided by salesmen and do the math vis a vis the local situation. As with anywhere!

Previous poster is correct in saying that these products are the only true guaranteed rental product out there, but the margins are questionable. Buyer beware!
 
Rhino1, I didn't say the french government guaranteed the income. Read again. It IS a government scheme to encourage property investment (to counter pensions shortfall) that is why leasebacks allow you to reclaim the 19% vat. As I pointed out it is important to have a solid management company and to check them out before hand. There are some huge rental companies that are a selling point of some developments. You wont see any difficulties with one of these if they are involved. It's true the returns on leasebacks at the moment are not great and if you are looking you will probably have to cover some shortfall.
However they are a way for people to buy property that is well protected by law and completely hands off and hassle free. It is important to know what is put in front of you to sign and I recommend independent advice.

They are a conservative investment and you wont make huge, but theyare hassle free for renting and you dont risk losing your shirt either and thats important for some people. Do homework though.
 
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