This study takes into consideration any type of project: purchase of primary or secondary residence and rental investment.
For Pierre Chapon, president of Pretto: "The year 2021 is exceptional in many ways: driven by a desire for change among the French, it saw unprecedented credit production, the result of a record level of real estate transactions. Faced with this very sustained demand, the flexibilities granted at the beginning of the year by the HCSF also played their part in the realization of projects, first-time buyers not being left out ".
In this context, Pretto wanted to draw a robot portrait of French buyers in 2021, whether for the purchase of a primary or secondary residence or the realization of a rental investment. The study also looks at the profile of the Parisian buyer, which differs on many points (income, contribution, price of the property, etc.).
An increase of 5% for the purchase of a main residence
In 2021, buyers of a main residence are on average 34 years old and 70% renters. They buy alone at 54% and earn on average 3.700 €. Their contribution represents 16% of the price of the property, or € 44.600 for a purchase of € 268.000. Their debt ratio is greater than 35% in 25% of cases, and 45% of these buyers have between € 20.000 and € 40.000 in net annual income.
For Pierre Chapon, president of Pretto: "The purchase of primary residence pulled the market in 2021, the French being looking for more comfort in a context of health crisis. The requested contribution increased by 5% compared to 2020, but that does not mean as the surface area purchased is the same, real estate prices have increased. Households must also adjust their projects accordingly. "
For Parisian buyers, the contribution is almost twice as high (€ 2) for a property of € 81.000 on average, and net monthly income of € 397.000. The buyers are on average 5.000 years old, are tenants in 33% of cases, and single borrowers for more than 75%.
70% of first-time buyers in the main residence market
38% of executives, first-time buyers, who represent 70% of buyers of main homes in 2021, are 52% to buy as a couple. The price of the property is on average € 264.000, for a net monthly salary of € 3.800 and a contribution of € 43.000. Half of them with net income of less than 40.000 € per year, their debt ratio is between 30 and 35% in 40% of cases, and in 21% of cases, their debt ratio exceeds 35%.
For Pierre Chapon, president of Pretto: "Half of first-time buyers come from the middle class (income up to € 40 per year). The easing of the HCSF has clearly benefited these households who were able to become homeowners this year, not to mention the low rates which have favored all borrower profiles. Banks also remain particularly vigilant in favoring the purchase of primary residence for this category of borrowers, in particular thanks to their room for maneuver. "
Rental investment benefits high incomes
Despite the continued love of the French for stone, obtaining financing for a rental investment is increasingly difficult.
Thus, the financeability of these projects has not returned to its 2019 levels: 55 points in 2021, against 59 points in 2019. Conversely, the overall financeability gained 1 point, driven by the good health of mortgage loans intended for residences. main.
For Pierre Chapon, president of Pretto: "The end of the differential calculation, which greatly benefited investors who already have a loan, has an impact on the possibilities of financing. One in two projects cannot succeed. The conditions have tightened and the expectations of banks must be met in all aspects: contribution , residual savings, debt ratio ... "
In 2021, the rental investor, 38, is alone at 54%. With a monthly income of 4.900 €, he buys a property mainly in the old one of 200.000 € on average and presents a contribution of 33.000 € - or 17%. Note that the contribution, which had already jumped 25% between 2019 and 2020, continues to increase: + 10% this year.
74% of cases show a debt ratio of less than 35%, against 26% above. Rental investors are above all owners (54%), against 30% of tenants, increasingly interested in this type of investment, in particular for Parisian tenants. This category of investors favors cities such as Marseille, Lille, Toulouse, Nantes and Bordeaux.
In Paris, the rental investor, manager in 67% of cases, is almost 70% single. He has an average contribution of € 37.000 for a property of € 225.000.
The PACA, region n ° 1 for a second home in 2021
The attraction for second homes was not denied in 2021: fundability jumped 10 points between 2020 and 2021, from 45 to 55, proof that banks have handled many cases.
Unsurprisingly, second home buyers are older: 45 years on average. They buy together in 2% of cases a good of 62 €. The contribution is € 212.000 (compared to € 63.000 in 60.000) and the monthly net income is € 2020. 6.200% of buyers have income in excess of € 50 net annually.
Among the most popular regions are PACA (14%), Occitanie (13%) and Auvergne-Rhône-Alpes (12%).
By way of comparison, the buyer of a second home in Paris is 41 years old and in a relationship. Manager, his household earns € 7.200 net monthly, with a contribution of € 68.000 for a property at € 256.000. He owns 46% of the time and has a debt ratio of less than 35% to 70%. Parisians are targeting Ile-de-France (18%), Normandy (16%) and the PACA region (11%) for the purchase of their second home.
For Pierre Chapon, president of Pretto: "Since the first confinement in 1, requests for second homes have exploded, facilitated by the rise of teleworking. As a result, some real estate markets are tight: the supply of goods is scarce, or even non-existent, and prices have soared. . We will have to wait until 2020 to witness a possible lull. "