Résidence Le Lagon — neighbourhood of Saint-Cyprien

How much to negotiate off the asking price, based on verifiable facts about the surroundings — nuisances, hazards, the property's energy rating.

The net rental yield of an investment, charges and property tax deducted — not the gross figure shown in listings.

The monthly payment on a mortgage and its total cost, borrower insurance included.

What is left every month once the loan, the charges and the tax are paid — the real cashflow, positive or negative.

The annual energy bill of a home, from its energy rating and floor area.

Buy or rent: after how many years does buying cost less than renting? The calculation counts what renting never pays — transfer duties, notary fees, property tax, maintenance, and what your down payment would earn if left invested — and compares it with the municipality market rent.