Investment in SCPI – SCI

Choosing to invest in a Société Civile de Placement Immobilier (SCPI) or a Société Civile Immobilière (SCI) proves to be a wise patrimonial strategy in France, allowing investors to engage in the real estate sector without being burdened by direct property management. These investment instruments stand out due to their unique structure, mode of operation, and specific benefits. Apex Capital is here to clarify the particularities of each option, helping you select the one that best aligns with your financial and fiscal aspirations.

 

Investing via SCPI: Mutualized Real Estate

SCPIs open the door to investing in a diverse portfolio of commercial properties (offices, retail spaces, healthcare facilities, etc.), professionally managed. This “ready-to-use” approach is ideal for those wanting to enjoy rental benefits and real estate capital appreciation without the daily management hassles.

 

Advantages of SCPIs

•Patrimonial Diversification: Access to a wide range of real estate properties, often beyond the reach of solo investors.

•Potential Returns: Attractive yields resulting from net rental income after management fees.

•Delegated Management: Administration, leasing, and maintenance of properties are handled by experts.

 

Points of Caution for SCPIs

•Management Costs and Entry Fees: Administrative fees can impact the effective return for the investor.

•Liquidity of Resale: SCPI shares may be less liquid than other financial investments.

 

Investing via SCI: Direct Real Estate Ownership

An SCI allows multiple investors to co-own real estate, offering considerable flexibility in management and patrimonial transfer.

 

Advantages of SCIs

•Control and Flexibility: Operating rules established by the partners provide significant latitude in asset management.

•Facilitation of Succession: The SCI simplifies the transfer of real estate assets to heirs, potentially reducing inheritance taxes.

•Deductibility of Loan Interests: Interest on acquisition loans is deductible from rental income.

 

Points of Caution for SCIs

•Fiscal Implications: The choice between income tax or corporate tax significantly affects the applicable taxation.

•Management Involvement: Managing an SCI requires a notable personal investment, especially in leasing and maintenance.

 

Why Apex Capital is Your Ally?

 

•Real Estate and Fiscal Expertise: Whether you choose SCPI or SCI, Apex Capital offers its expertise to identify the most promising opportunities aligned with your investor profile and patrimonial ambitions.

•Personalized Support: We accompany you step by step, from the conception of your investment to its daily management, ensuring its optimal fiscal integration.

•Tailored Approaches: Our approach aims to develop customized investment strategies that precisely meet your unique requirements.

 

To conclude

Whether the appeal of an SCPI for its ease and potential yield attracts you, or you prefer the flexibility and autonomy of an SCI, understanding the nuances of each option is essential. With the expertise of Apex Capital, make informed decisions to achieve your financial goals with peace of mind.

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