In 2025, real estate continues to be a cornerstone of household wealth in France. According to the latest data from the Banque de France, real estate still accounts for approximately 55% of household net wealth, highlighting its strategic importance for long-term investment. Amid a gradually recovering economy and evolving market dynamics, both residential and commercial real estate present attractive prospects.
Residential Real Estate: A Gradual Rebound Ahead
Steady Resilience in 2024, Recovery in Sight for 2025
Following a moderate decline in 2024—marked by a 5% average price drop and a decrease in transaction volume in the existing home market (around 780,000 sales)—the residential sector is showing signs of a turnaround.
The first months of 2025 reflect positive indicators:
Stabilized property prices in major cities (Paris, Lyon, Bordeaux),
Rising rental demand driven by housing shortages,
Improved lending conditions with more attractive mortgage rates (around 3.2% on average),
Loosened credit restrictions for first-time buyers and investors.
Cities like Rennes, Lille, and Toulouse are becoming increasingly attractive to investors thanks to their economic vitality, student populations, and more accessible property prices.
Opportunities in Bare Ownership and Furnished Rentals
Amid evolving tax regulations, bare ownership (nue-propriété) is emerging as a strategic wealth-building option—particularly in Paris, where scarcity continues to support property values. At the same time, furnished rentals under LMNP status (non-professional furnished rentals) remain attractive for their favorable tax treatment.
Commercial Real Estate: A Controlled Rebound
2024: A Year of Transition
The commercial real estate sector experienced a slowdown due to several factors:
Elevated interest rates,
Economic and political uncertainties,
Structural changes such as remote work, hybrid offices, and shared workspaces.
Office markets in suburban areas were hit hardest, while logistics and healthcare-related properties maintained strong appeal.
2025 Outlook: Renewed Momentum
With inflation retreating and the European Central Bank implementing interest rate cuts, 2025 is shaping up to be a more favorable environment for investors.
SCPI and SCI products (Real Estate Investment Trusts and Civil Real Estate Companies) focusing on high-demand sectors such as logistics, healthcare, and serviced residences offer promising returns, projected between 5.8% and 7% for the year.
SCPI & SCI: Attractive Investment Vehicles
As asset values gradually recover and new investors enter the market, SCPI and SCI products offer a flexible, diversified, and professionally managed way to access real estate investments.
In 2025, recently launched funds benefit from competitive acquisition prices and strong potential returns. Whether for regular income, wealth diversification, or long-term capital growth, these investment vehicles provide reliable and efficient solutions.
Conclusion: 2025, a Strategic Year for Real Estate Repositioning
2025 is shaping up to be a pivotal year for the real estate sector. Amid stabilized economic conditions, supportive monetary policy, and changing consumer behavior, numerous opportunities are opening up for attentive and well-advised investors.
The expert teams at [Your Company Name] are ready to help you navigate the market, identify high-performance investments, and build a tailored property strategy aligned with your goals.
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