{"id":2544,"date":"2020-02-28T17:45:39","date_gmt":"2020-02-28T16:45:39","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/immobilier-en-direct-ou-scpi-que-choisir-en-2020_-n.html"},"modified":"2020-07-28T15:30:33","modified_gmt":"2020-07-28T13:30:33","slug":"immobilier-en-direct-ou-scpi-que-choisir-en-2020_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/immobilier-en-direct-ou-scpi-que-choisir-en-2020_-n.html","title":{"rendered":"Immobilier en direct ou SCPI : que choisir en 2020 ?"},"content":{"rendered":"<p>L&rsquo;assurance-vie&nbsp;? Trop peu rentable. La bourse&nbsp;? Trop risqu\u00e9e. L&rsquo;immobilier&nbsp;? Oui mais\u2026 Si la pierre demeure une valeur refuge par excellence en mati\u00e8re de patrimoine, elle comporte aussi sa part d&rsquo;al\u00e9as et de contraintes qui am\u00e8nent de plus en plus d&rsquo;investisseurs \u00e0 lorgner du c\u00f4t\u00e9 des SCPI, per\u00e7ues comme plus accessibles et plus souples. Que faut-il en choisir en 2020 entre immobilier locatif et SCPI&nbsp;? On vous aide \u00e0 arbitrer.<br \/>\n&nbsp;<\/p>\n<h2>Immobilier en direct&nbsp;: investir de son temps et de son argent<\/h2>\n<p>La progression des prix de l&rsquo;immobilier ces dix derni\u00e8res ann\u00e9es donne raison aux particuliers qui ont investi dans la pierre&nbsp;: +8,2% sur l&rsquo;ensemble du territoire d&rsquo;apr\u00e8s MeilleursAgents, +10,4% dans les 50 plus grandes villes fran\u00e7aises et +27,2% pour le top 10&nbsp;! Un appartement 2 pi\u00e8ces achet\u00e9 150&nbsp;000\u20ac en 2010 vaut aujourd&rsquo;hui plus de 190&nbsp;000\u20ac. Gr\u00e2ce \u00e0 la m\u00e9canique du pr\u00eat immobilier, un investissement locatif permet de se constituer un patrimoine \u00e0 cr\u00e9dit, les loyers venant couvrir le remboursement des mensualit\u00e9s et ainsi r\u00e9duire le taux d&rsquo;effort de l&rsquo;investisseur. \u00c0 terme, il peut esp\u00e9rer r\u00e9aliser une belle plus-value \u00e0 la revente, ou b\u00e9n\u00e9ficier d&rsquo;un revenu suppl\u00e9mentaire pour sa retraite.<br \/>\nL&rsquo;immobilier locatif comporte n\u00e9anmoins son lot de contraintes&nbsp;:<\/p>\n<ul>\n<li>la n\u00e9cessit\u00e9 de s&rsquo;endetter sur plusieurs ann\u00e9es \u2013 la dur\u00e9e moyenne d&rsquo;un pr\u00eat immobilier est d&rsquo;environ 19 ans&nbsp;;<\/li>\n<li>la dimension chronophage de la gestion locative \u2013 sauf \u00e0 la d\u00e9l\u00e9guer contre 6 \u00e0 9% HT des loyers encaiss\u00e9s&nbsp;;<\/li>\n<li>l&rsquo;existence de risques locatifs, entre vacance et impay\u00e9s.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2>SCPI&nbsp;: l&rsquo;immobilier locatif cl\u00e9 en main<\/h2>\n<p>Dans ce contexte, la Soci\u00e9t\u00e9 civile de placement immobilier (SCPI) affiche un certain nombre d&rsquo;atouts qui viennent grignoter des parts de march\u00e9 \u00e0 l&rsquo;investissement en direct. La pierre papier permet d&rsquo;abord d&rsquo;investir la somme de son choix puisqu&rsquo;on acquiert des parts et non des biens. Ici, pas de longues d\u00e9marches de recherche ni de passage devant le notaire, mais une simple signature en bas d&rsquo;un document&nbsp;! Le risque est mutualis\u00e9 car une SCPI poss\u00e8de plusieurs biens, tandis que la gestion est enti\u00e8rement confi\u00e9e \u00e0 des professionnels de la gestion de patrimoine.<br \/>\nLa SCPI donne acc\u00e8s au march\u00e9 immobilier professionnel, un vrai plus au niveau du rendement locatif. Mais il est aussi possible d&rsquo;investir dans une SCPI fiscale pour r\u00e9duire ses imp\u00f4ts \u00e0 l&rsquo;instar d&rsquo;un investissement locatif en Pinel ou Denormandie. S&rsquo;il n&rsquo;y a pas de taxe fonci\u00e8re \u00e0 r\u00e9gler, la part des frais n&rsquo;est pas \u00e0 n\u00e9gliger \u00e0 l&rsquo;entr\u00e9e et dans en termes de gestion. Quant \u00e0 la revente des parts de SCPI, elle ne s&rsquo;appuie pas toujours sur un march\u00e9 secondaire tr\u00e8s dynamique, ce qui en r\u00e9duit leur liquidit\u00e9.<\/p>\n<p>En d\u00e9finitive, investir dans l&rsquo;immobilier en direct offrira toujours davantage de contr\u00f4le et conviendra aux particuliers les plus au fait du march\u00e9. La SCPI offre des garanties en termes de rentabilit\u00e9 locative tout en offrant une grande tranquillit\u00e9 \u00e0 l&rsquo;investisseur&nbsp;!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019investissement immobilier en direct demeure largement majoritaire aupr\u00e8s des particuliers, mais la SCPI lui oppose de s\u00e9rieux arguments en termes de rentabilit\u00e9 et de facilit\u00e9 d\u2019acc\u00e8s.<\/p>\n","protected":false},"author":4,"featured_media":2545,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2544","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>Immobilier en direct ou SCPI : que choisir en 2020 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