T4 Apartment 81 m² for Sale in Champagne-au-Mont-d'Or - €359,000

The listed price of the T4 apartment is €359,000 for a surface area of 81 m², resulting in a price per m² of €4,426.16 (calculated from the listed price and declared characteristics). In the Champagne-au-Mont-d'Or market, the median price per m² for an apartment is around €4,500 (source: DVF DGFiP, 2023). Thus, the price of this apartment is slightly below the median for the area, which could be an advantage for potential buyers.

Over the last 12 months, apartment prices in this municipality have shown an upward trend of about 5% (source: Notaires de France, 2023). This indicates a dynamic market, with increasing demand for recent properties like this one.

In terms of positioning, this apartment is in the lower price range for similar properties in the region, which could attract buyers looking for good value.

For the purchase of this apartment, notary fees are estimated between 2% and 3% for a new property, or approximately €7,180 to €10,770 (estimate based on current professional rates). Taking an average of 2.5%, the notary fees would amount to about €8,975.

The total acquisition cost would therefore be €367,975 (€359,000 + €8,975).

Regarding financing, with a down payment of 10% (€35,900), the loan amount would be €323,100. At an average interest rate of 3.4% over 20 years, the monthly payment would be approximately €1,835 (calculated from the current average rate). The total cost of credit would be around €440,000 over 20 years.

For an investor, the gross rental yield can be estimated at 5% if the monthly rent is set at €1,500, resulting in a net yield of about 4.5% after deducting charges and applicable taxes (LMNP).

The apartment is classified DPE D, indicating an estimated annual energy consumption of about 150 kWh/m² (source: ADEME, 2023). The annual energy cost can be estimated at around €1,200 (calculated based on average consumption and energy prices).

According to the Climate & Resilience law, properties classified DPE F or G can no longer be rented from 2025, which does not apply here. To improve the DPE class, energy renovation work may be necessary, with an estimated cost between €10,000 and €20,000 (estimate based on average public sector data).

Aid such as MaPrimeRénov' and Energy Savings Certificates (CEE) can be mobilized to finance this work, with amounts up to €7,000 for energy renovations.

Champagne-au-Mont-d'Or is a sought-after municipality in the Rhône department, offering a pleasant living environment with many green spaces and quality infrastructure. The municipality is well served by public transport, with regular bus lines and proximity to Lyon train station (about 15 minutes by car).

Local shops are within walking distance, and several schools (nursery and primary) are located less than 1 km away, which is an asset for families. The municipality's population is growing, with a median income of about €30,000 per year (source: INSEE, 2023).

The quality of life is generally considered good, with a low crime rate and a calm residential atmosphere. Urban projects are underway to further improve accessibility and services in the municipality.

Champagne-au-Mont-d'Or is located in a low flood risk area (source: Géorisques, 2023). However, it is important to check for any easements and the Local Urban Plan (PLU) that may influence future projects on the property.

Regarding regulations, it is essential to inquire about rent control, although this does not directly apply to this new apartment. Mandatory diagnostics must be provided at the time of sale, including the DPE and the state of natural risks.

Buyers' rights include a 10-day withdrawal period after signing the sales agreement, allowing time to verify all information related to the property.