Real Estate Crowdfunding: Returns Simulator 2026

Real estate crowdfunding (or participatory real estate financing) involves lending money to a property developer or trader to finance a real estate project: construction, renovation, subdivision or refurbishment. In return, the investor receives interest at a pre-agreed rate, generally between 8% and 12% per year, over a period of 12 to 36 months. At the end of the project, the capital is repaid with interest. This type of investment is accessible from 1,000 euros on most platforms authorized by the AMF (French Financial Markets Authority).

The return on real estate crowdfunding is attractive compared to other investments, but it carries a specific risk: the developer default risk. If the project does not proceed as planned (construction delays, marketing difficulties, developer bankruptcy), the investor can lose all or part of their capital and interest. In 2024, the observed default rate on the main French platforms was approximately 3 to 5%, with repayment delays being much more frequent (15 to 25% of projects).

From a tax standpoint, interest received is subject to the flat tax (PFU) of 30% (12.8% income tax + 17.2% social contributions). It is possible to opt for the progressive income tax scale if your marginal tax rate is below 12.8%, but this situation concerns few investors. Interest is declared under the category of investment income (revenus de capitaux mobiliers).