{"id":1790,"date":"2018-05-18T02:08:19","date_gmt":"2018-05-18T00:08:19","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/il-n-y-a-pas-plus-d-age-pour-devenir-proprietaire_-n.html"},"modified":"2020-07-28T15:30:45","modified_gmt":"2020-07-28T13:30:45","slug":"il-n-y-a-pas-plus-d-age-pour-devenir-proprietaire_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/il-n-y-a-pas-plus-d-age-pour-devenir-proprietaire_-n.html","title":{"rendered":"Il n\u2019y a pas (plus) d\u2019\u00e2ge pour devenir propri\u00e9taire"},"content":{"rendered":"<div>Dans le contexte actuel de taux d&rsquo;int\u00e9r\u00eats tr\u00e8s faibles (et cela s&rsquo;est encore confirm\u00e9 fin avril&nbsp;: un bon dossier peut envisager d&rsquo;obtenir un taux de 1.40 % sur 15 ans et de 1.55 % sur 20 ans, source acecredit.fr), il est facile de croire qu&rsquo;<strong>acheter plut\u00f4t que de louer<\/strong> un bien immobilier irait de soi pour toute personne \u00e0 la recherche de son logement.<\/p>\n<p>C&rsquo;est oublier un peu vite que l&rsquo;acte d&rsquo;achat rel\u00e8ve avant tout d&rsquo;une <strong>strat\u00e9gie patrimoniale<\/strong> qui d\u00e9pend de plusieurs facteurs propres au march\u00e9 immobilier et de sa situation personnelle, professionnelle et financi\u00e8re. Jeunes actifs, investisseurs locatifs, seniors secundo acc\u00e9dants&nbsp;: dans quelle mesure l&rsquo;\u00e2ge est-il un <strong>crit\u00e8re d\u00e9terminant<\/strong> pour devenir propri\u00e9taire&nbsp;?<\/div>\n<h2><strong>Acheter requiert de la stabilit\u00e9 <\/strong><\/h2>\n<p>Un achat n&rsquo;\u00e9tant rentable qu&rsquo;\u00e0 long terme, la p\u00e9riode de vie id\u00e9ale pour&nbsp; devenir propri\u00e9taire de sa&nbsp; r\u00e9sidence principale est celle o\u00f9 la <strong>visibilit\u00e9 <\/strong>et la <strong>stabilit\u00e9 professionnelle&nbsp;et personnelle<\/strong>&nbsp;sont les plus fortes et que l&rsquo;on trouve dans <strong>la tranche des 35-65 ans<\/strong>. La dur\u00e9e de d\u00e9tention\/occupation envisag\u00e9e porte alors sur une p\u00e9riode suffisamment longue pour que l&rsquo;acquisition, financ\u00e9e \u00e0 cr\u00e9dit, devienne une forme d&rsquo;\u00e9pargne forc\u00e9e aboutissant \u00e0 une bonne op\u00e9ration financi\u00e8re, surtout si elle est r\u00e9alis\u00e9e dans une zone g\u00e9ographique recherch\u00e9e.<\/p>\n<h2><strong>Louer apporte de la flexibilit\u00e9<\/strong><\/h2>\n<div>Au moment de leur entr\u00e9e dans la vie active, les plus jeunes ont surtout besoin de <strong>mobilit\u00e9<\/strong>. Il sera alors pertinent de privil\u00e9gier la location qui offre plus de <strong>flexibilit\u00e9<\/strong> et autorise plus de <strong>r\u00e9activit\u00e9<\/strong> lors d&rsquo;\u00e9v\u00e9nements de la vie tels qu&rsquo;une mutation professionnelle, une s\u00e9paration ou l&rsquo;arriv\u00e9e d&rsquo;un enfant, tous ces \u00e9v\u00e9nements n\u00e9cessitant de changer de logement.<\/p>\n<p>A contrario, acheter apr\u00e8s sa retraite n&rsquo;est pas forc\u00e9ment une bonne op\u00e9ration. Certes, obtenir un pr\u00eat avec de bonnes conditions reste plus difficile, quoique les banques aient fait beaucoup d&rsquo;efforts commerciaux vis-\u00e0-vis de cette population jug\u00e9e s\u00e9rieuse et fiable. Il faut surtout que ce logement, acquis pour le long terme, puisse <strong>\u00eatre adaptable \u00e0 l&rsquo;avenir <\/strong>aux besoins d&rsquo;une personne \u00e2g\u00e9e. Etre locataire permet alors de quitter rapidement son logement pour un \u00e9tablissement sp\u00e9cialis\u00e9 et d&rsquo;\u00e9viter, le moment venu, les complications li\u00e9es \u00e0 la cession d&rsquo;un bien immobilier, souvent source de conflit familial.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Dans le contexte actuel de taux d\u2019int\u00e9r\u00eats tr\u00e8s faibles (et cela s\u2019est encore confirm\u00e9 fin avril\u00a0: un bon dossier peut envisager d\u2019obtenir un taux de 1.40 % sur 15 ans et de 1.55 % sur 20 ans, source acecredit.fr), il est facile de croire qu\u2019acheter plut\u00f4t que de louer un bien immobilier irait de soi pour toute personne \u00e0 la recherche de son logement. Mais \u00e0 quel \u00e2ge ?<\/p>\n","protected":false},"author":4,"featured_media":1791,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1790","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>age id\u00e9al pour devenir propri\u00e9taire<\/title>\n<meta name=\"description\" content=\"Jeunes actifs, investisseurs locatifs, seniors secondo acc\u00e9dants\u00a0: dans quelle mesure l\u2019\u00e2ge est-il un crit\u00e8re d\u00e9terminant pour devenir propri\u00e9taire\u00a0? 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