The mobile home is this small accommodation which is located in the mountains, by the sea or in the heart of a forest. Whether you are with family or friends, it is the ideal place to recharge your batteries and get a change of scenery. This residence can be loaned to relatives or can be rented during your absence. For many individuals, the mobile home constitutes a very interesting rental investment due to its accessibility. Whether new or used, you still have to choose the type of financing that suits you.
Blended financing
Mixed financing can be explained by a credit with contribution. This type of financing is quite advantageous for rental investors who have some savings. In terms of procedure, granting mixed financing is relatively easy compared to a traditional real estate loan.
You should know that the cost of a new mobile home is estimated between 22,000 euros to 45,000 euros, excluding equipment and sanitary facilities. As for a used model, you have to pay between 7,000 euros and 15,000 euros on average.
There are several options available to you for purchasing a mobile home. In fact, you can choose consumer credit or credit at your leisure. This option gives you the opportunity to take out a loan of 14,990 euros, for example, and buy a used model large enough to accommodate an entire family. If you prefer a more prestigious model, it is better to opt for a personal loan, with an amount of up to 40,000 euros.
Acquiring a mobile home on credit
Generally, purchasing a mobile home requires taking out a loan, with or without a deposit. Whether the model you plan to buy is new or used, whether the credit you want to opt for is with or without a deposit, it is important to do some simulations in order to have an idea of the monthly payments that you will then have to pay.
To do this, do not hesitate to consult online comparison sites in order to carry out simulations and find solutions that meet the budgetary situation of your household.
For information, the amount of the monthly payment starts at 220 euros for a new mobile home. Of course, the price of the mobile home varies according to its characteristics (location, size, living space, equipment, number of rooms, etc.).
If you plan to acquire a used model, subscribing to a 4-year loan seems to be a good deal, especially with a minimum monthly payment of 90 euros.
Expenses to expect
Apart from the purchase price, several costs are to be expected, such as transport costs and installation costs. For transport, you have to count on 5 euros per kilometer, and for installation, you have to consider between 500 euros and 2,000 euros in costs. However, it is more economical to buy a mobile home that is already located on a campsite or on a PRL.
Other charges are also to be included in the invoice, namely maintenance and security costs, taxes and insurance.
Amortization of monthly payments
Even if the monthly payments are quite high, you have the possibility of amortizing them by renting the residence. In order to make your investment profitable, it is advisable to choose the status of non-professional furnished rental company. Thus, you will have the choice between the micro-BIC regime, which allows you to benefit from a 50% reduction on the purchase price of the mobile home; and the simplified real regime, which offers you a VAT refund.