{"id":1768,"date":"2018-04-24T07:47:14","date_gmt":"2018-04-24T05:47:14","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/futurs-proprietaires-attention-aux-frais-a-venir_-n.html"},"modified":"2020-07-28T15:31:18","modified_gmt":"2020-07-28T13:31:18","slug":"futurs-proprietaires-attention-aux-frais-a-venir_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/futurs-proprietaires-attention-aux-frais-a-venir_-n.html","title":{"rendered":"Futurs propri\u00e9taires, attention aux frais \u00e0 venir"},"content":{"rendered":"

Acc\u00e9der \u00e0 la propri\u00e9t\u00e9 : se constituer un patrimoine pour les uns, se sentir vraiment chez soi pour d’autres. Les taux d’int\u00e9r\u00eat extr\u00eamement faibles des cr\u00e9dits immobiliers actuels aidant, de nombreux Fran\u00e7ais franchissent le pas en achetant leur r\u00e9sidence principale. Tr\u00e8s vite, la question de la bonne \u00e9valuation du co\u00fbt global de l’acquisition se r\u00e9v\u00e8le cruciale car au remboursement de l’emprunt vonts’ajouter d’autres postes de d\u00e9penses r\u00e9currents ou non. Avant de se lancer dans un projet d’achat immobilier, il faut donc bien prendre en compte tous ces frais, dont l’impact n’a rien de n\u00e9gligeable.<\/p>\n

Frais d’acquisition : honoraires et taxes<\/strong><\/h2>\n
Outre le vendeur, l’acheteur va aussi r\u00e9mun\u00e9rer certains prestataires et r\u00e9gler des imp\u00f4ts. En premier lieu, l’agence immobili\u00e8re<\/strong> dont les frais s’\u00e9l\u00e8vent en moyenne \u00e0 4,87% du prix du bien immobilier, (avec une fourchette entre 3 % et 7 % en fonction de la taille du logement). Ils sont cens\u00e9s \u00eatre maintenant inclus dans le prix affich\u00e9 des annonces.<\/p>\n

Ensuite, les frais improprement appel\u00e9s \u00ab de notaire \u00bb<\/strong> repr\u00e9sentent environ 7% du prix d’achat. Ils se d\u00e9composent en honoraires pour le notaire et, pour la plus grande part, en droits de mutation (taxes et autres droits) qui reviennent au Tr\u00e9sor public, donc \u00e0 l’Etat. En cas de revente, il faudra souvent attendre un bon nombre d’ann\u00e9es pour esp\u00e9rer amortir l’ensemble des frais d’acquisition, surtout si le bien est situ\u00e9 dans une petite ville peu dynamique, o\u00f9 les prix de l’immobilier se valorisent peu.<\/p>\n

Ces frais sont n\u00e9anmoins souvent d\u00e9j\u00e0 anticip\u00e9s par les banquiers dans le plan de financent et int\u00e9gr\u00e9s de fait dans le co\u00fbt du cr\u00e9dit. Une fois la remise des cl\u00e9s faite, il reste encore \u00e0 pr\u00e9voir un budget d\u00e9m\u00e9nagement et d’am\u00e9nagement du logement.<\/p><\/div>\n

Ne pas sous-estimer les frais d’entretien<\/strong><\/h2>\n
Ces d\u00e9penses n’ont lieu qu’une fois, lors de l’achat. La d\u00e9tention proprement dite am\u00e8ne elle aussi son lot de charges annuelles ou mensuelles.<\/strong> Il faut ainsi s’acquitter de la taxe fonci\u00e8re<\/strong>, r\u00e9gler les frais d’entretien du logement <\/strong>(chauffage, assurance, alarme, t\u00e9l\u00e9phone, gaz, \u00e9lectricit\u00e9, jardin) et de la copropri\u00e9t\u00e9 <\/strong>le cas \u00e9ch\u00e9ant (honoraires du syndic, nettoyage des parties communes, gardiennage, ascenseur\u2026).<\/p>\n

Ces derniers varient fortement d’une copropri\u00e9t\u00e9 \u00e0 l’autre, ou d’une ville \u00e0 l’autre. Par exemple, un m\u00e9nage en paie en moyenne 1.992 euros par an \u00e0 Paris, 1.800 euros \u00e0 Nice, 1.552 euros \u00e0 Lyon et 1.058 euros \u00e0 Bordeaux, selon une \u00e9tude de MeilleureCopro. Pour ne pas \u00eatre pris au d\u00e9pourvu, il est indispensable de v\u00e9rifier, avant toute signature de compromis de vente, les charges, les travaux programm\u00e9s et la tr\u00e9sorerie, indiqu\u00e9s dans les comptes-rendus des assembl\u00e9es g\u00e9n\u00e9rales de la future copropri\u00e9t\u00e9.<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

Les taux d\u2019int\u00e9r\u00eat extr\u00eamement faibles des cr\u00e9dits immobiliers actuels aidant, de nombreux Fran\u00e7ais franchissent le pas en achetant leur r\u00e9sidence principale. Avant de se lancer dans un projet d’achat immobilier, il faut donc bien prendre en compte tous ces frais, dont l\u2019impact n\u2019a rien de n\u00e9gligeable.<\/p>\n","protected":false},"author":4,"featured_media":1769,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1768","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nFuturs propri\u00e9taires, pensez \u00e0 tous les frais \u00e0 venir<\/title>\n<meta name=\"description\" content=\"Avant de se lancer dans un projet d'achat immobilier, il faut donc bien prendre en compte tous ces frais, dont l\u2019impact n\u2019a rien de n\u00e9gligeable.\" \/>\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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