Real estate
How much tax on resale?
Reselling a rental property or a second home triggers tax on the capital gain (plus-value immobilière), which decreases over time. Estimate it, and see why the holding period changes everything.
Property other than your primary residence (which is exempt). Capital gain = resale price minus purchase price (fees and renovation costs are not factored in here). A surtax of 2 to 6% may apply if the taxable capital gain exceeds 50,000 €.
Total tax on the capital gain
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Time erases the tax
Two allowances stack, one on income tax, the other on social security contributions. The result: after 22 years of ownership, no more income tax, and after 30 years, full exemption. In between, the bill shrinks year by year.
Selling a year too early can cost several thousand euros. Conversely, a well-designed structure (split ownership, contribution to a company, timing the sale) can significantly lighten the bill. This is the kind of decision that is prepared for, not improvised.
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