5-room apartment 104.56 m² for sale in Pontoise - €346,500

The price of the apartment is €346,500 for an area of 104.56 m², which gives a price per m² of €3,313/m² (€346,500 / 104.56 m²).

Based on DVF (Demand for Property Value) data for Pontoise, the median price per m² for apartments is around €3,200/m². The apartment is therefore slightly above the market median, which can be explained by its location in a secure residence and its features (four bedrooms, balconies, etc.).

The price trend in Pontoise has shown an increase of about 5% over the last 12 months, with a forecast of stabilization for the coming year, according to analyses of the local real estate market.

In comparison with other similar properties, this apartment is favorably positioned due to its size and amenities.

For a purchase price of €346,500, notary fees are estimated between 7% and 8%, or approximately €24,255 to €27,720. This brings the total acquisition cost to €370,755 to €374,220.

For a mortgage of €346,500 at an average interest rate of 3.4% over 20 years, with a down payment of 10% (€34,650), the monthly payments would be around €1,800. The total cost of the loan would be about €72,000 over the loan term.

In terms of rental investment, if this apartment is rented at a monthly rent of €1,500, the gross rental yield would be 5.2% (€1,500 x 12 / €346,500). Annual charges (property tax, maintenance, etc.) are estimated at €2,000, which would give a net yield of 4.3%.

The apartment is classified as D according to the Energy Performance Diagnosis (DPE). The annual energy consumption is estimated at about 200 kWh/m²/year, which corresponds to an annual energy cost of approximately €1,200 (based on an average rate of €0.6/kWh).

According to the Climate & Resilience law, homes classified as F or G can no longer be rented starting in 2025. Renovation work to improve the energy class to C could cost between €15,000 and €25,000, with possible aids such as MaPrimeRénov' covering up to 90% of costs depending on the owner's resources.

The apartment is located near several transport lines, including Pontoise train station about 10 minutes on foot, offering direct connections to Paris (Gare Saint-Lazare).

The neighborhood is well served by local shops, schools (primary school and middle school within 500 meters) and green spaces, notably the Parc des Larris.

The demographics of Pontoise show a median income of about €2,300 per month, with a diverse population, contributing to a quality of life appreciated by families.

Urban projects are underway to improve infrastructure and services, which could increase property value in the coming years.

The Pontoise area is classified as low risk for flooding, but it is recommended to consult the Géorisques site for detailed information.

Regarding the Local Urban Plan (PLU), it is important to check the construction and development rules, especially for future projects.

Mandatory diagnostics (lead, asbestos, etc.) must be provided by the seller. It is also essential to inquire about rent control, which could affect rental income if the apartment is intended for investment.

This 5-room apartment in Pontoise is offered at €3,313/m², which is slightly above the market median of €3,200/m².

Advantages include its generous size, the presence of balconies, and a location in a secure residence. However, it is important to note that other similar apartments in less secure residences may sell for around €3,000/m².

The negotiation margin could be estimated at 5%, taking into account market prices and the general condition of the apartment.