Downsizing is not automatically a financial win. Selling costs, replacement-home cost, moving expenses, rent inflation, maintenance et the investment return on released equity all need to be modeled together.
Trois stratégies de logement à comparer
| Stratégie | Effet financier principal |
|---|---|
| Conserver le logement actuel | Preserves home equity et current housing pattern; ongoing ownership costs continue. |
| Réduire la taille du logement | Sells the current home, buys a inférieure-cost replacement et invests remaining net proceeds after transaction/moving costs. |
| Sell et rent | Releases more home equity for investment but introduces ongoing rent et rent inflation. |
Coûts faciles à sous-estimer
- real-estate commissions et legal/closing costs;
- droits de mutation immobilière ou autres frais d’achat d’un logement de remplacement;
- moving et furnishing costs;
- frais de copropriété ou entretien du nouveau logement;
- hausse des loyers en cas de vente pour louer;
- le coût d’opportunité de la valeur nette du logement par rapport aux actifs investis.
Traitement fiscal de la résidence principale
The sale of a qualifying principal residence can often be sheltered by the principal residence exemption, but tax treatment depends on the facts et reporting requirements. The retirement planner treats the home as a principal residence for its simplified housing scenarios et does not replace professional tax advice for unusual ownership situations.
Comment le planificateur de logement compare les stratégies
The tool can model current home value, mortgage, appreciation et annual housing costs, then compare keeping the home, downsizing at a selected age or selling et renting. Released net equity is added to retirement assets et alternative housing costs are carried through the projection.
Comparer vos options de logement
Enter your home, mortgage et housing costs et compare keep, downsize et rent scenarios.