Building your own home is a choice of freedom. A freedom that becomes all the more important as we get older. Because the constraints and needs are not the same at 60 as they are at 40, for example, building a new house allows you to enjoy a better retirement. In a home that reflects your personality, functional and comfortable. Building is the ideal choice for a home specifically designed for seniors. And, contrary to popular belief, building your own home, in the Southwest of France for example, is not so complicated when dealing with banks. Maisons SIC, builder of individual houses for almost 50 years throughout the south-west of France, explains how to make the right choices for your new home.
Seniors: why opt for the construction of a detached house in the South-West?
When we see retirement coming, we often want more comfort, a place to live that looks like us. And because the new seniors, this “silver generation”, are more and more active and fit, they often want to change, especially in their place of residence. And for many reasons, more and more future retirees are turning to the construction of individual houses.
Because "pre-built" houses will never meet all your needs
The main advantage of buying an older property is having a charming, well-located home. Indeed, houses available on the market can be found right in the city center, close to shops, whereas finding a building plot in the heart of a city is often difficult.
But one of the great drawbacks of buying an old house is that it is already built, precisely. And that to make it to your liking, it will often require expensive work.
Choosing to build your detached house allows you to control all aspects of your future living space, from the layout of the rooms to the materials used, including the creation of the garden, a swimming pool, a terrace or the choice of windows. .
Because building is less expensive in the long run than buying
We covered this topic in our article on the most economical solution between buying and building your houseBy choosing to build a modern, detached house, you will make real savings in the long run. This is because the RT 2012 standard allows for significant energy savings. Because a well-built house lasts a long time without requiring any further work, thus avoiding any additional costs. And because there are numerous tax and financial incentives available to help you with the construction of your new home.
Because building your house means thinking about the future
Building your own home is a project that should be considered well before retirement. Building to rent out and save money while you're still working can help offset a future shortfall in your retirement pension. Your tenants will then cover a significant portion of the cost of your detached house.
And the house thus built, to your liking, can accommodate you when you are no longer working or offer you capital for resale.
Another asset, a detached house that we have built can be thought of in the long term. If you think you will need to create a new room later, to accommodate a caregiver for example, you can anticipate this construction by choosing land suitable for a future extension.
Because the financing of the construction of a house in the South West has been simplified for seniors
We are often afraid to embark on a real estate project after 60 years, thinking that the banks will not follow. Some seniors think that a real estate project is not for them, fearing being refused a loan because of their age.
It is true that for credit insurance, the state of health is part of the guarantees. Insurance companies therefore systematically fill out a loan insurance health questionnaire, regardless of the age of the borrower, and sometimes require a medical examination.
To avoid the inconvenience of being refused a loan, it is therefore advisable to prepare your real estate project as soon as possible, well before reaching retirement.
However, you should know that banks now offer senior loans, adapted to the drop in income linked to retirement.
And for people with health problems, the AERAS convention (Insuring and Borrowing with an Aggravated Health Risk) promotes access to insurance for a mortgage for anyone under the age of 70 at the repayment of the loan, and wishing to take out a loan for a maximum amount of €320.
Be accompanied by a professional in the construction of your house in the South West
The best way to ensure that your real estate project will take place in the best conditions is to be accompanied by a professional home builder.
A builder with experience like Maisons SIC can accompany you from the beginning of your home construction project. He can, to begin with, help you find land to build your house.
Knowing and mastering all the administrative and mandatory stages of the construction of a house and taking charge of them, a professional builder allows you to devote yourself to the choices of decoration and interior design while he carries out the construction site in accordance with the CONTRACT.
Creating plans with an architect will allow you to choose all the arrangements that will be the most comfortable for your future. And in order to better project yourself, you can visit our showrooms, including our permanent exhibition on more than 2000 m² in which we have recreated in scale 1, the stages of the construction of a house. From structural work (foundation, floor, wall, framework, roofing, plastering, tiling) to finishing work (heating, electricity).
