{"id":1396,"date":"2017-03-22T10:41:14","date_gmt":"2017-03-22T09:41:14","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/immobilier-le-coeur-du-patrimoine-des-francais_-n.html"},"modified":"2020-07-28T15:31:30","modified_gmt":"2020-07-28T13:31:30","slug":"immobilier-le-coeur-du-patrimoine-des-francais_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/immobilier-le-coeur-du-patrimoine-des-francais_-n.html","title":{"rendered":"Immobilier : le coeur du patrimoine des Fran\u00e7ais"},"content":{"rendered":"

D’apr\u00e8s une \u00e9tude r\u00e9alis\u00e9e en janvier dernier pour le Cr\u00e9dit Foncier, la propri\u00e9t\u00e9 immobili\u00e8re est une aspiration qui r\u00e9unit toutes les g\u00e9n\u00e9rations. A tous les \u00e2ges, elle est privil\u00e9gi\u00e9e pour la constitution d’un patrimoine, avec ou sans cr\u00e9dit immobilier<\/a>. Rappelons qu’en France, <\/strong>les 30-39 ans sont 53 % \u00e0 d\u00e9tenir un patrimoine immobilier tandis que, d\u00e8s l’\u00e2ge de 50 ans, les propri\u00e9taires repr\u00e9sentent deux tiers de la population.
\n <\/p>\n

L’investissement immobilier largement pr\u00e9f\u00e9r\u00e9 au placement financier<\/h2>\n

Plus de neuf Fran\u00e7ais sur dix (92 %) jugent positive l’id\u00e9e d’\u00eatre propri\u00e9taire de son logement. Ce pl\u00e9biscite partag\u00e9 par toutes les g\u00e9n\u00e9rations prend ses racines tout d’abord dans le sentiment d’ \u00ab\u00a0\u00eatre chez soi \u00a0\u00bb (67 % des citations). Devenir propri\u00e9taire de son logement est \u00e9galement per\u00e7u comme un moyen de se constituer un patrimoine pour son avenir (49 % des citations) et celui de ses enfants (54 %) ou un moyen de s\u00e9curiser sa situation \u00e0 la retraite (50 %). C’est un moyen de prouver ou de confirmer son ind\u00e9pendance (37%). Chez les plus jeunes, la propri\u00e9t\u00e9 est synonyme de fiert\u00e9 (29 % chez les 25-34 ans) et de r\u00e9ussite sociale (27 % chez les 18-24 ans). Devant un tel engouement, nul ne sera surpris d’apprendre que la propri\u00e9t\u00e9 est consid\u00e9r\u00e9e comme \u00ab\u00a0inutile\u00a0\u00bb par seulement 3 % des personnes interrog\u00e9es.
\n <\/p>\n

L’immobilier synonyme de patrimoine <\/h2>\n

Sept Fran\u00e7ais sur 10 affirment qu’ils choisiraient d’embl\u00e9e la pierre s’ils recevaient une importante somme d’argent. C’est seulement sur la nature m\u00eame de l’acquisition immobili\u00e8re qu’ils vont diverger : 33 % misent sur de l’investissement locatif (45 % chez les 18-24 ans contre 19 % chez les 65 ans et plus), 30 % ach\u00e8tent leur r\u00e9sidence principale et 9 % une r\u00e9sidence secondaire.
\nCette app\u00e9tence tr\u00e8s fran\u00e7aise pour la pierre se traduit concr\u00e8tement dans la photographie du patrimoine des foyers fran\u00e7ais r\u00e9alis\u00e9e par l’Insee en 2015 dans laquelle l’immobilier repr\u00e9sente une part tr\u00e8s importante (66 %) du patrimoine, soit une valeur moyenne de 164200 \u20ac, toutes cat\u00e9gories d’\u00e2ge confondues.
\n <\/p>\n

L’effet positif de la baisse des taux d’int\u00e9r\u00eats<\/h2>\n

Si les m\u00e9nages ont conscience des difficult\u00e9s issues de la hausse des prix de l’immobilier et per\u00e7oivent un tarissement de leur pouvoir d’achat, ils ont \u00e0 l’inverse conscience que la baisse des taux d’int\u00e9r\u00eat facilite l’accession \u00e0 la propri\u00e9t\u00e9. 68% des Fran\u00e7ais d\u00e9clarant qu’il est facile d’acc\u00e9der \u00e0 la propri\u00e9t\u00e9 ont ainsi avanc\u00e9 les taux comme facteur favorable. Ce ph\u00e9nom\u00e8ne per\u00e7u par les m\u00e9nages est particuli\u00e8rement puissant puisqu’en France, la baisse des taux a permis d’augmenter de 30 %, entre 2008 et 2016, la surface qu’un m\u00e9nage peut acqu\u00e9rir pour une m\u00eame mensualit\u00e9<\/a>.
\n <\/p>\n","protected":false},"excerpt":{"rendered":"

D\u2019apr\u00e8s une \u00e9tude du Cr\u00e9dit Foncier,\u00a0la propri\u00e9t\u00e9 immobili\u00e8re est une aspiration qui r\u00e9unit toutes les g\u00e9n\u00e9rations. Elle est privil\u00e9gi\u00e9e pour la constitution d\u2019un patrimoine. Rappelons qu\u2019en France, les 30-39 ans sont 53 % \u00e0 d\u00e9tenir un patrimoine immobilier.<\/p>\n","protected":false},"author":4,"featured_media":1397,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1396","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nL'immobilier, le patrimoine pr\u00e9f\u00e9r\u00e9 des Fran\u00e7ais<\/title>\n<meta name=\"description\" content=\"D\u2019apr\u00e8s une \u00e9tude du Cr\u00e9dit Foncier,\u00a0la propri\u00e9t\u00e9 immobili\u00e8re est une aspiration qui r\u00e9unit toutes les g\u00e9n\u00e9rations pour la constitution d\u2019un patrimoine.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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