{"id":1135,"date":"2015-12-02T12:18:54","date_gmt":"2015-12-02T11:18:54","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/louer-ou-emprunter-quels-sont-les-criteres-qui-peuvent-nous-aider-a-choisir_-n.html"},"modified":"2020-07-28T15:33:05","modified_gmt":"2020-07-28T13:33:05","slug":"louer-ou-emprunter-quels-sont-les-criteres-qui-peuvent-nous-aider-a-choisir_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/louer-ou-emprunter-quels-sont-les-criteres-qui-peuvent-nous-aider-a-choisir_-n.html","title":{"rendered":"Louer ou emprunter\u00a0: quels sont les crit\u00e8res qui peuvent nous aider \u00e0 choisir\u00a0?"},"content":{"rendered":"

Louer ou acheter, une question de lieu et de dur\u00e9e<\/strong>
\nSi vous vous demandez ce qui est le plus avantageux financi\u00e8rement entre louer sa r\u00e9sidence principale ou l’acheter, sachez que la r\u00e9ponse d\u00e9pend de plusieurs crit\u00e8res. Par exemple, entre le Havre et Paris, l’\u00e9cart des prix immobiliers est tel que vous ne serez pas confront\u00e9 aux m\u00eames r\u00e9alit\u00e9s \u00e9conomiques. Par ailleurs, la dur\u00e9e de cr\u00e9dit et le nombre d’ann\u00e9es pass\u00e9es au sein de la r\u00e9sidence principale ont \u00e9galement un impact et peuvent faire pencher la balance du c\u00f4t\u00e9 de l’achat comme de la location. Le mieux pour \u00eatre s\u00fbr de rentrer dans ses frais est donc de faire une simulation chiffr\u00e9e.<\/p>\n

Louer et savoir \u00e9conomiser<\/strong>
\nGr\u00e2ce \u00e0 cette simulation entre cr\u00e9dit immobilier et location, vous pourrez comparer les deux r\u00e9alit\u00e9s. D’un c\u00f4t\u00e9, vous aurez les sommes rembours\u00e9es pour l’emprunt immobilier et de l’autre, la somme \u00e9pargn\u00e9e chaque mois en tenant compte du taux d’int\u00e9ressement de l’\u00e9pargne plac\u00e9e. Autant dire qu’il faut savoir \u00e9conomiser sur la dur\u00e9e, pour que ce type de simulation ait une valeur. Pour les moins \u00e9conomes, le capital d’\u00e9pargne pr\u00e9vu aura eu tendance \u00e0 s’\u00e9vaporer au fil du temps.<\/p>\n

Acheter pour un capital s\u00e9curis\u00e9<\/strong>
\nPour beaucoup de Fran\u00e7ais, acheter un bien immobilier via un cr\u00e9dit bancaire demeure une bonne fa\u00e7on de s’assurer un capital s\u00e9curis\u00e9 sur lequel compter. Il ne s’agit plus d’\u00e9pargner de temps en temps au fil de l’eau. L’\u00e9pargne est forc\u00e9e et permet ainsi de constituer un bas de laine cons\u00e9quent. Il peut m\u00eame \u00eatre possible de r\u00e9aliser des plus-values lors d’une \u00e9ventuelle revente et augmenter ainsi son capital.<\/p>\n

Du plaisir de changer au \u00ab bien chez soi \u00bb<\/strong>
\nD’autres facteurs rentrent \u00e9galement en ligne de compte lors de la d\u00e9cision de louer ou d’acheter via un cr\u00e9dit immobilier. Un locataire aura moins de frais annexes tels que ceux li\u00e9s \u00e0 l’entretien du bien immobilier et de ses parties communes. Il pourra \u00e9galement changer selon ses envies de ville comme d’appartement, sans plus de soucis. D’un autre c\u00f4t\u00e9, le propri\u00e9taire aura la satisfaction de se sentir chez lui, dans un endroit qu’il pourra accommoder \u00e0 son go\u00fbt.
\n <\/p>\n","protected":false},"excerpt":{"rendered":"

Qu\u2019est-ce qui est le plus avantageux d\u2019un point de vue financier \u00e0 court terme et \u00e0 moyen terme, louer ou emprunter\u00a0? Les Fran\u00e7ais ne cessent de se poser cette question dilemme. Voici quelques \u00e9l\u00e9ments pour trouver votre bonne r\u00e9ponse.<\/p>\n","protected":false},"author":4,"featured_media":1136,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1135","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nLouer ou emprunter\u00a0: quels sont les crit\u00e8res qui peuvent nous aider \u00e0 choisir\u00a0? - Ace Cr\u00e9dit<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.acecredit.fr\/fr\/actualites\/louer-ou-emprunter-quels-sont-les-criteres-qui-peuvent-nous-aider-a-choisir_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Louer ou emprunter\u00a0: quels sont les crit\u00e8res qui peuvent nous aider \u00e0 choisir\u00a0? - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Qu\u2019est-ce qui est le plus avantageux d\u2019un point de vue financier \u00e0 court terme et \u00e0 moyen terme, louer ou emprunter\u00a0? 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