inheritance house: how to avoid inheritance tax

Excerpt: Inheritance house: discover how to reduce or avoid French inheritance tax using donations, family SCI, and life insurance strategies with Nicolas Immobilier.

Planning the transfer of your property is the best way to protect your family and avoid inheritance taxes that can reach 45%.

Understanding property inheritance

Inheriting a house can be a blessing, but it often carries fiscal consequences. In Massy, Palaiseau, or Chilly-Mazarin, property values make succession planning essential. The first step is an accurate free property valuation to guide proper planning and reduce tax burden.

Anticipate with real estate donations

Donating property during your lifetime is one of the most efficient ways to cut inheritance taxes. Each parent can give up to €100,000 every 15 years per child tax-free. You can also transfer “bare ownership” while keeping usufruct, allowing continued use of the property while lowering the taxable value.

Use a family SCI to optimize transmission

Creating a Société Civile Immobilière (SCI) helps you transfer ownership gradually while keeping control. SCI shares benefit from a 10–15% value discount, reducing taxes and preventing inheritance conflicts. It’s particularly useful for families with multiple properties wishing to simplify inheritance.

Complement with life insurance

Life insurance is another key inheritance tool. It allows capital to be transmitted outside of the estate with a €152,500 exemption per beneficiary. This can prevent heirs from needing to sell property to pay taxes, complementing a broader estate plan.

Advice from Nicolas Immobilier in Massy, Palaiseau and Chilly-Mazarin

At Nicolas Immobilier, we guide families in protecting and transmitting their property efficiently. Our team offers precise evaluations, deep local expertise, and tools for free valuation. More than 1,400 clients have praised our professionalism and responsiveness. Discover our properties: Buy property in Massy Palaiseau Chilly-Mazarin or read customer stories: Client testimonials.

Author bio: Nicolas Benoit, Director of Nicolas Immobilier in Massy, Palaiseau, and Chilly-Mazarin. Over 1,400 satisfied clients confirm his excellence and unmatched local expertise.

key topics

• house inheritance
• property succession
• inheritance tax
• property gift
• valuation Massy