{"id":1932,"date":"2018-10-06T13:41:02","date_gmt":"2018-10-06T11:41:02","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/un-premier-achat-immobilier-pour-se-constituer-un-patrimoine_-n.html"},"modified":"2020-07-28T15:30:42","modified_gmt":"2020-07-28T13:30:42","slug":"un-premier-achat-immobilier-pour-se-constituer-un-patrimoine_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/un-premier-achat-immobilier-pour-se-constituer-un-patrimoine_-n.html","title":{"rendered":"Un premier achat immobilier pour se constituer un patrimoine"},"content":{"rendered":"
Etre propri\u00e9taire de sa r\u00e9sidence principale, c’est avant tout habiter v\u00e9ritablement chez soi. C’est aussi se constituer d\u00e8s que possible un patrimoine immobilier pour pr\u00e9parer l’avenir<\/strong>. Comment utiliser l’effet de levier du cr\u00e9dit pour le financer ?<\/p>\n

M\u00eame si la hausse continue des prix de l’immobilier dans certaines villes peut dissuader, il n’est jamais trop t\u00f4t<\/strong> pour se lancer dans un investissement immobilier, d’autant que les  taux d’int\u00e9r\u00eat sont encore tr\u00e8s bas cet automne<\/strong> (1.20% hors assurance en moyenne sur 15 ans en ao\u00fbt dernier selon le courtier en cr\u00e9dit acrecredit.fr). Le cr\u00e9dit immobilier permet d’acheter aujourd’hui avec tr\u00e8s peu, voire pas d’apport<\/strong>.<\/p>\n

Les banques financent des projets d’investissement sans apport \u00e0 condition de pouvoir leur d\u00e9montrer que l’on s’est d\u00e9j\u00e0 engag\u00e9 dans une d\u00e9marche d’\u00e9pargne : \u00ab Alors m\u00eame qu’il n’a pas d’\u00e9ch\u00e9ances de pr\u00eat \u00e0 rembourser, un jeune qui met de c\u00f4t\u00e9 chaque mois de 20 % \u00e0 30 % de ses revenus, parce qu’il vit encore chez ses parents ou parce qu’il en a simplement la volont\u00e9, t\u00e9moigne d’une capacit\u00e9 \u00e0 bien g\u00e9rer son budget. Au-del\u00e0 de l’apport constitu\u00e9, c’est un signal extr\u00eamement positif qui se traduit souvent par l’octroi de bonnes conditions de financement<\/em> \u00bb explique Guy Poyen, directeur marketing du Cr\u00e9dit Agricole IDF dans les Echos.<\/div>\n

Solliciter le cr\u00e9dit gratuit<\/strong><\/h2>\n
Pour l’achat de la r\u00e9sidence principale neuve ou ancienne, il est ensuite opportun de rechercher sur quels financements compl\u00e9mentaires, les plus indolores possible, on va pouvoir \u00e9ventuellement s’appuyer. En t\u00eate, on trouve le pr\u00eat \u00e0 taux z\u00e9ro<\/strong> (PTZ), un cr\u00e9dit gratuit, autrement dit une aide financi\u00e8re qui facilite l’accession \u00e0 la propri\u00e9t\u00e9 des m\u00e9nages \u00e0 revenus modestes et moyens depuis sa cr\u00e9ation en 1995. Sous r\u00e9serve d’\u00eatre primo-acc\u00e9dant,<\/strong> ce qui est souvent le cas quand on est jeune, et de r\u00e9pondre \u00e0 certains crit\u00e8res de ressources et de localisation g\u00e9ographique du bien en cours d’acquisition notamment, le PTZ peut couvrir jusqu’\u00e0 40 % du co\u00fbt global de l’acquisition<\/strong>. Au premier trimestre 2018, son montant moyen a \u00e9t\u00e9 de 56.170 euros.<\/p>\n

Viennent ensuite le pr\u00eat Action Logement<\/strong> (plus connu sous la d\u00e9nomination pr\u00eat 1% employeur) r\u00e9serv\u00e9 aux collaborateurs des entreprises de plus de 10 salari\u00e9s, ainsi que diverses propositions \u00e9manant de collectivit\u00e9s territoriales (pr\u00eat Paris logement \u00e0 0 %, Nouveau Ch\u00e8que Premier Logement de la ville de Marseille ou encore aide forfaitaire octroy\u00e9e par Rennes M\u00e9tropole notamment).<\/div>\n

Le locatif, une alternative \u00e0 envisager<\/strong><\/h2>\n

Lorsque le niveau des prix au m\u00e8tre carr\u00e9 atteint des sommets, comme c’est le cas dans certaines m\u00e9tropoles (Paris, Lyon, Bordeaux, Rennes…) et n’offre pour unique perspective que la possibilit\u00e9 d’acqu\u00e9rir des surfaces d’habitation extr\u00eamement r\u00e9duites, il peut \u00eatre int\u00e9ressant de songer \u00e0 l’investissement locatif<\/strong> pour constituer la premi\u00e8re pierre<\/strong> de son futur \u00e9difice immobilier personnel. \u00ab C’est m\u00eame parfois plus rationnel<\/em> \u00bb, affirme Christophe Chaillet, directeur de l’ing\u00e9nierie patrimoniale chez HSBC France. \u00ab Car le poids des travaux all\u00e8ge la fiscalit\u00e9, ce qui n’est pas le cas pour les propri\u00e9taires occupants. Et si on revend pour acheter sa r\u00e9sidence principale, il n’y a pas d’imposition sur la plus-value\u00a0\u00bb<\/em>. A une condition : \u00ab Accepter d’investir dans des r\u00e9gions o\u00f9 la demande locative est forte comme Lille et Nantes, o\u00f9 la rentabilit\u00e9 brute sera de l’ordre de 4 % \u00e0 5 % par an<\/em> \u00bb (source Les Echos).<\/p>\n","protected":false},"excerpt":{"rendered":"

Etre propri\u00e9taire de sa r\u00e9sidence principale, c\u2019est avant tout habiter v\u00e9ritablement chez soi. C’est aussi se constituer d\u00e8s que possible un patrimoine immobilier pour pr\u00e9parer l\u2019avenir. Comment utiliser l’effet de levier du cr\u00e9dit pour le financer ?<\/p>\n","protected":false},"author":4,"featured_media":1933,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1932","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nFaire un premier achat immobilier<\/title>\n<meta name=\"description\" content=\"Etre propri\u00e9taire de sa r\u00e9sidence principale, c\u2019est se constituer un patrimoine immobilier pour pr\u00e9parer l\u2019avenir. 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