2-room apartment 26.75 m² for sale Asnières-sur-Seine - €215,000

The listed price for this apartment is €215,000, which corresponds to a price per m² of €8,024 (calculated from the listed price and the area of 26.75 m²). This price is above the median of the real estate market in Asnières-sur-Seine, which is around €6,500 to €7,000 per m², according to DVF (Données de Valeur Foncière) data from 2022. Over the last 12 months, apartment prices in this municipality have increased by about 5%, indicating an upward trend. The apartment is located in a quiet area, close to public transport and shops, which may justify a premium over the market median.

For a purchase at €215,000, notary fees are estimated between 7% and 8% for an old property, which is approximately €15,050 to €17,200. The total acquisition cost would therefore be between €230,050 and €232,200.

For a loan over 20 years at the current average rate of 3.4% with a down payment of 10% (€21,500), the monthly payments would be about €1,157 (calculated based on a standard amortization schedule). The gross rental yield is 5.5% (rent of €978.54 CC), while the net yield after deducting charges (€74) is 5.2%.

The annual holding cost includes property tax, estimated at around €800 (estimate based on sector averages), condominium fees (€74 x 12 = €888), and home insurance, estimated at €300. The total holding cost would therefore be about €1,988 per year.

The apartment is classified DPE D, indicating energy consumption between 151 and 230 kWh/m²/year. The estimated annual energy cost would therefore be around €1,000 (calculated based on average consumption and energy prices). According to the Climate and Resilience law, properties classified DPE F or G can no longer be rented from 2025, but this apartment will not be affected. To improve the DPE class, energy renovation work may be necessary, with an estimated cost between €8,000 and €15,000, depending on the planned work. Assistance such as MaPrimeRénov' could be mobilized to reduce these costs.

The apartment is located 9 minutes on foot from the Les Agnettes metro station, which is part of the Grand Paris network, and 10 minutes from the Bois Colombes train station (Transilien line J). The proximity of shops on Rue des Bourguignons enhances the attractiveness of this property. In terms of demographics, Asnières-sur-Seine has about 85,000 inhabitants, with a median household income of around €30,000 per year, which is slightly below the national average. The quality of life is generally considered good, with green spaces and adequate school infrastructure.

Asnières-sur-Seine is classified in a low to moderate seismic zone. Flood risks are also present, although limited. The Local Urban Planning Plan (PLU) of the city should be consulted to verify construction and development rules. Regarding rental regulations, rents are regulated by law, with a ceiling of €20.5/m² for ongoing leases. Mandatory diagnostics (DPE, lead, electricity, gas) must be provided at the time of sale.