There are benefits to a real estate sale during a relocation. The process begins with the sale of the home. When it comes to selling a home as part of an employee relocation, corporate buyouts come in two main varieties:

  1. An appraisal
  2. An outside offer

Il existe d'autres types de ventes à domicile liées à la réinstallation, comme le remboursement direct des frais, mais elles exposent le salarié à une imposition inutile.

avantages liés à la réinstallation

Plus sur les rachats

A guaranteed buyout (GBO) is based on the value of two appraisals, which average a guaranteed offer to buy a relocating employee’s home. A second type of buyout, a buyer value option (BVO), offers a buyout based on an outside buyer’s offer.

In both cases, the employer would take over the financial responsibility and (sometimes) title until closing with a buyer. This allows the employee to move on to his or her new location with less of a burden and to escape taxation. This happens because the money relating to the home sale never actually passes through the employee’s hands. A real estate relocation specialist can help understand these types of offers.

Primes supplémentaires pour la vente de maisons

In addition to a buyout, employers often offer add-on benefits, such as loss on sale (LOS) protection or a sale bonus. Both LOS and a sale bonus can be engineered to incentivize a home sale. The former by reducing any negative impact of a sale and the latter by “sweetening” the deal if the sale happens in a timely manner.

These benefits are not tax protected. Employees may incur a tax on these benefits if the employer does not elect to “gross up” the incentive.

Tendances des primes à la vente de maisons

A consideration for both additional home sale benefits is the employee’s status within the company. It is not uncommon for these relocation house sale benefits to only be offered to existing employees and those in higher tiers. New hires may fall into a different policy tier altogether.

Based on our benchmarking data, the average percentage of offering relocation home sale benefits is 67.5%. A breakdown of these benefit offerings by industry is detailed below.

  • Avantage pour la vente de maisons - Industrie manufacturière 33% 33%
  • Avantages de la vente à domicile - Industrie pharmaceutique 91% 91%
  • Avantage de la vente à domicile - Chaînes de restaurants et de services rapides 50% 50%
  • Indemnité de vente de maison - Secteur des assurances 100% 100%
  • Avantage pour la vente à domicile - Fabrication d'aliments et de boissons 56% 56%

Sale Bonus

En général, les employeurs sont plus enclins à offrir une prime de vente lorsqu'il s'agit d'un BM, car il y a plus de risques que la maison ne soit pas vendue. Ce bonus est souvent basé sur le prix de vente (1 à 5 % étant le plus courant), mais certaines entreprises proposent un taux fixe au lieu d'un pourcentage.

Étant donné que certains employeurs exigent également une période d'inscription obligatoire avant d'accepter un BM, il est courant de voir le montant de la prime diminuer au cours de cette période, en commençant par son montant le plus élevé avant que les évaluations ne soient commandées ou conclues (par exemple, une prime de vente de 4 % avant les évaluations, de 3 % dans les 30 jours suivant les évaluations, de 2 % dans les 60 jours et de 1 % dans les 90 jours).

Il est courant de voir le bonus expirer lorsque le rachat expire.

Perte sur la protection des ventes

Homes bought during the peak of the housing bubble suffered losses in many markets over the past decade. But with the housing market strengthening and stabilizing, there are fewer losses today. To counteract any possible losses during a relocation home sale, the LOS benefit comes in many shapes and sizes.

Traditionally, loss is calculated based on the amount paid for the home and does not include capital improvements. Once the loss is determined (sale price minus purchase price), employers have two choices:

  1. Cover all of it (often up to a capped amount)
  2. Cover a portion of it.

As a further breakdown, some companies offer to cover 50 – 75% of the loss, and the employee must cover the remainder. Often, we see employees pay 100% of the loss but only up to a capped amount (e.g. anywhere from $20,000 – 50,000). If the loss is greater than this cap, the employee can either pay the difference and continue to market and sell the home, or decide against selling the home entirely. Our research has shown caps up to $150,000, but amounts this high are uncommon.

On average, 49.5% of companies offer LOS benefits. A breakdown by industry is detailed below.

  • Avantage LOS - Industrie manufacturière 17.5% 17.5%
  • LOS Benefit - Industrie pharmaceutique 91% 91%
  • Avantage LOS - Chaînes de restaurants et de services rapides 12.5% 12.5%
  • LOS Benefit - Industrie de l'assurance 62% 62%
  • Indemnité de SLP - Fabrication d'aliments et de boissons 56% 56%

WHR Group can help with LOS benefits and a home sale bonus. We can help structure per tier to meet your organization’s unique needs. Insulating the business from unnecessary risk is important. Real estate and home relocation services can be tricky to navigate. Our 20 years of relocation service expertise will guide you to the right policy for your organization.