LifeInvest® fees include a 360° turnkey service:

- Search and securing of exclusive properties.

- All-inclusive stay in Riga for viewing and signing.

- Complete management: administrative, fiscal and rental.

- Support in structuring and obtaining e-Residency.

- Privileged access to a network of experts and to our community of investors.

Investing in the Baltic States, members of the eurozone, offers stability, competitive returns, tax advantages and sound financial management. With affordable prices, minimal bureaucracy and negligible acquisition costs, it's a wise choice for diversifying your real estate portfolio.

This service is usually aimed at individuals with a net worth of at least 1 million euros, who are looking to secure and diversify their real estate investments, even without foreign contacts.

LifeInvest® excels in international real estate investment for affluent clients with over 10 years of expertise, offering unique opportunities and solutions focused on transparency and efficiency to maximize our clients' investment potential.

Our strategy: resilient solutions, stable income and long-term growth, regardless of your country of origin.

Gross rental yield: Annual income expressed as a percentage of the overall budget for the operation (all costs included, including our support), adjusted for an annual increase of 2.25% in rent price, calculated over an average of ten years.

Pre-tax net rental yield: Annual profit as a percentage of the overall operating budget, after deduction of operating costs, adjusted for a 2.25% annual increase in rent price, calculated over a ten-year average.

Net rental yield after tax: Annual net profit after all expenses and personal taxes in Latvia, with a 2.25% annual increase in rent price calculated over a ten-year average.

Expected annual return on capital: Calculated from net rental yield after tax, with a fixed appreciation of 3% per annum.

Expected net gain over 10 years: Estimated total enrichment, combining rental cash flow and potential appreciation over a ten-year period.

At LifeInvest®, we focus on preparation and consistency of service. The opportunities you discover online stand out for their excellence, meeting 10 essential selection criteria. There's no point in looking elsewhere unless you manage a substantial real estate portfolio in that region.

In the event of difficulties, our customers have privileged access to our network of services, including title management and various legal, notarial and management services. This guarantees the protection and autonomy of their assets.

In Estonia and Latvia, full ownership is the norm for real estate, available 100% to domestic and foreign buyers alike.

In Estonia and Latvia, non-EU citizens can buy and own a freehold apartment.

For a one-off investment, buy in your own name to benefit from a 10% tax rate and a double taxation treaty. For regular investments, using a company offers greater optimization and flexibility. Our experts will help you structure your investment. Consider the LifeInvest Case Study for tailored advice on the best approach.

The Baltic states offer exceptional administrative flexibility when it comes to investing in real estate. You can complete your investment in just a few weeks, from agreement to sale at the notary's office. What's more, you can finalize a property purchase remotely, thanks to the e-resident card and its electronic signature.

You can invest in Tallinn (Estonia's capital) or Riga (Latvia's capital) with a capital of €50,000 to €100,000. It's common for our investors to start with one property and repeat the operation several times when they see that it works.

Banking leverage abroad can be complex due to a variety of factors. However, we can help you explore options such as a mortgage via a French bank with French property as collateral, a Lombard loan with blocking of personal savings or financial securities, as well as local loans with specific requirements.

In Estonia and Latvia, if a tenant defaults on payment, amicable solutions are preferred, with a quality rental contract validated by our legal counsel. In Riga, eviction of the tenant without legal recourse is possible by following the appropriate procedures, while emphasizing the quality of the contract.

Access to a bank account with your investment will depend on the local bank. Thanks to our local partnerships, we can open an account dedicated to rental income, enabling you to develop a banking relationship with a view to future financing requests. Don't forget to declare your accounts in France in accordance with current regulations.

Yes, you can choose which account to receive the rent from. We recommend that you use the account we'll help you open to build up your banking history and assets, but you're free to choose.

In Estonia, personal income tax on property is 22%, but income reinvested in companies is exempt. Notary fees are 0.5%. In Latvia, tax on property income is 10%, under certain conditions, and capital gains are taxed at 20%. Notary fees are 1.5%. What's more, these countries have no wealth or inheritance tax, and have signed numerous international tax treaties.

As a French tax resident, you should declare your foreign income to the French authorities. Thanks to the double taxation agreement between France, Estonia and Latvia, most French property owners do not pay taxes in France on their income from these countries, which benefit from more advantageous tax regimes.

For a tax household in France, foreign real estate is included in the IFI if assets exceed 1.3 million euros. Consult a tax expert for specific advice.

Inheritance of foreign assets is governed by the law of the deceased's country of residence.

• French tax resident: Taxed on all assets, in France and abroad.

• Expatriate: Only assets in France are taxed in France; assets abroad are subject to local laws, subject to a tax treaty.

• Owned by a Latvian company? Shares can be inherited.

• In all cases: An inheritance case must be opened in Latvia.

LifeInvest can manage this process in Latvia if the need arises.

Of course, we provide tax assistance depending on the rental management mode chosen, as detailed in our general terms and conditions of sale. You'll receive an annual financial statement to calculate your tax base, and we'll tell you where to pay the tax to meet your tax obligations.