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Features
• The Prêt In Fine has sizeable fiscal advantages for owners with very high tax returns and whose real estate property is already a source of income
• Throughout the term of the loan all you pay is the related interest and insurance premiums
• At the same time, you build up your savings by paying into a selected investment vehicle each month
• Attractive tax benefits
• Optimised financing
• AERAS Convention
Attractive tax benefits
The Prêt In Fine from HSBC France is particularly suited to investors in buy-to-let property who wish to deduct the interest on their property loan(1) from the income on their existing real estate.
It has sizeable fiscal advantages for owners in a high tax bracket and whose real estate property is already a source of income.
Optimised financing
Throughout the term of the loan all you pay is the related interest and insurance premiums.
At the same time, any savings on monthly payments can be paid into a selected investment vehicle. In other words, you optimise your financing with the savings you make, enabling you to repay the capital in one instalment when your loan expires.
Contact your HSBC personal adviser to structure your project to suit your tax position and finances and establish the best way forward.
Unlike a standard loan with a standard repayment schedule (where the amount of interest is progressively reduced), the interest on the Prêt In Fine stays the same until the end of loan. You can therefore deduct a higher level of interest and optimise the tax on the transaction.
AERAS Convention
The AERAS Convention provides persons suffering or having suffered from serious health problems with access to insurance and loan solutions.
• Download the mini-guide (PDF format)
• Go to official site
(1) Subject to your application being approved. Borrowers have a 10-day cooling-off period from the date of receipt. If the sale depends on the loan being granted and it is refused, the seller must reimburse all payments.
