Discover how to maximize the profitability of your luxury real estate investment on the French Riviera with CapDom. Personalized tax strategies, IFI optimization, capital gains and rental income management for HNWIs (High Net Worth Individuals). We guide you to get the most out of your real estate assets.With all the essential information at your fingertips, you can define your real estate project with precision, avoid unexpected costs, and make informed decisions. Choosing a trusted, reliable, and transparent real estate agent is essential to fully understand the implications of buying or selling a luxury property on the French Riviera.
The property tax (taxe foncière) and residence tax (taxe d’habitation) can represent significant expenses for secondary luxury residences on the French Riviera.
HNWI Optimization:
• Use wealth management structures such as SCI or holding companies to distribute and reduce tax liabilities.
• Select municipalities and districts with controlled tax rates for high-end properties.
For residence tax, consider long-term rental or ownership through a company to minimize taxation.
Income from luxury rental properties on the French Riviera is taxable, even for non-resident owners.
HNWI Optimization:
• Choose the real taxation regime (régime réel) to deduct expenses and depreciation on luxury properties.
• Centralize management through an SCI or specialized company to optimize rental income.
• Use international tax treaties to avoid double taxation on rental income.
The IFI applies to net real estate assets above €1.3 million, which concerns most HNWI.
Strategies to Reduce IFI:
• Property splitting: separate usufruct (usufruit) and bare ownership (nue-propriété) to reduce the taxable base.
• Invest via SCPI, OPPCI, or partially exempted assets (forests, rural property, vineyards).
• Philanthropic donations can reduce IFI by up to 75% of the donation amount.
Selling high-end properties can generate significant capital gains.
Tax Optimization:
• Structure the sale through a holding or SCI to benefit from exemptions or deferrals.
• Invest in bare ownership (nue-propriété) to reduce tax impact at the time of sale.
At CapDom Immobilier, we assist investors with their luxury real estate projects on the French Riviera, offering a tailor-made approach: tax optimization, wealth structuring, and management of prestigious properties. Investing in luxury real estate is not just about purchasing: it’s about protecting and growing your wealth intelligently.
Contact CapDom for a personalized tax analysis and discover how to maximize your luxury real estate investments in 2025/2026.
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