Remember, SCPIs are a great tool for generating additional income. Civil real estate investment companies are vehicles allowing the purchase of shares in a real estate stock consisting exclusively of professional assets (offices, shops, activity), from individuals.

The best method of investing in SCPI remains on credit! Indeed, in addition to alleviating your immediate need for cash, this method of investment is the most effective. First of all, when we talk in this article about credits, it is about Depreciable credit. The In Fine loan is also interesting for investing in SCPI shares, but due to its configuration, it closes its doors to many investors.

The fact of taking out a loan, whatever it is, allows you to benefit from a tax advantage allowing you to deduct the interest on a loan from your property income. On the other hand, the second advantage lies in the fact that current rates are historically low, due to the accommodative positions of central banks. You thus have an immediate leverage effect.

This leverage effect is demonstrated with the difference between the average yield of an operation, and the credit rate granted for this same operation. Remember that the average rate of return for SCPIs in 2020 is 4.18%. (Excluding revaluation). In addition, the credits inherent in SCPIs are higher than for conventional mortgages. It is indeed not uncommon to obtain a 2.8% credit over 25 years. Thus, the leverage is 4.18% - 2.8% = 1.38%.

Today, there are various solutions for obtaining SCPI shares: direct purchase (whether in full ownership or bare ownership) or acquisition via life insurance. Regarding the SCPIs themselves, the ecosystem is varied. There are hundreds of SCPIs, which are very different from each other, with their own characteristics (sectoral diversification, geographical diversification, SCPI debts, valuation, etc.). It is therefore necessary to analyze certain criteria in order to make the right choice. We have tools to compare these SCPIs if you wish. To recap, investing in SCPI on credit offers you the great opportunity to increase your wealth by using leverage, while deducting loan interest. For any question relating to the article, as well as for any transaction simulation, you can directly contact one of our wealth advisors specialized in SCPI.