{"id":2546,"date":"2020-03-06T09:32:27","date_gmt":"2020-03-06T08:32:27","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/jusqu-a-quel-age-peut-on-investir-dans-immobilier_-n.html"},"modified":"2023-10-19T11:41:54","modified_gmt":"2023-10-19T09:41:54","slug":"jusqu-a-quel-age-peut-on-investir-dans-immobilier_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/jusqu-a-quel-age-peut-on-investir-dans-immobilier_-n.html","title":{"rendered":"Jusqu’\u00e0 quel \u00e2ge peut-on investir dans l\u2019immobilier ?"},"content":{"rendered":"

Il est commun\u00e9ment admis qu’investir dans l’immobilier est un excellent moyen de pr\u00e9parer sa retraite. Mais cela signifie-t-il qu’il existe un \u00ab \u00e2ge limite \u00bb au-del\u00e0 duquel il ne serait plus pertinent ou autoris\u00e9 de miser sur l’immobilier locatif\u00a0? Nos r\u00e9ponses.<\/p>\n

On ach\u00e8te de plus en plus jeune<\/h2>\n

Avec le niveau plancher atteint pour les taux du cr\u00e9dit immobilier<\/a>, on ach\u00e8te de plus en plus jeune. L’\u00e2ge moyen de la premi\u00e8re acquisition s’est en effet abaiss\u00e9 \u00e0 32 ans d’apr\u00e8s les Notaires de France.<\/p>\n

Mais ach\u00e8te-t-on aussi de plus en plus vieux\u00a0?<\/h3>\n

Seulement 17% des cr\u00e9dits immobiliers sont accord\u00e9s \u00e0 des personnes de plus de 50 ans comme l’explique C\u00e9dric Decoeur dans l’\u00e9mission Good Morning Business sur BFMTV, et ce chiffre chute \u00e0 4% pour les plus de 60 ans.<\/p>\n

Pour quelle raison\u00a0?<\/h3>\n

La baisse des revenus \u00e0 l’heure de la retraite n’aide pas vis-\u00e0-vis des \u00e9tablissements pr\u00eateurs, mais les seniors disposent par ailleurs d’un meilleur apport personnel et de ressources stables et r\u00e9currentes qui sont de nature \u00e0 les rassurer.<\/p>\n

Tout cela leur permet d’emprunter sur une dur\u00e9e plus courte\u2026 Mais un blocage se situe du c\u00f4t\u00e9 de l’assurance emprunteur.<\/p>\n

Le poids de l’assurance emprunteur<\/h2>\n

Avec l’\u00e2ge, les risques li\u00e9s \u00e0 la sant\u00e9 se renforcent et cette donn\u00e9e est prise en compte pour le calcul des cotisations de l’assurance de pr\u00eat. Le co\u00fbt du financement peut ainsi s’envoler et d\u00e9courager les seniors \u00e0 investir dans l’immobilier.<\/p>\n

Boursorama \u00e9voque un taux d’assurance pour un cr\u00e9dit immobilier<\/a> sur 10 ans de 0,40 \u00e0 0,60% \u00e0 l’\u00e2ge 50 ans, et ces chiffres doublent apr\u00e8s la soixantaine\u00a0! Et ils peuvent atteindre 1,80% \u00e0 70 ans\u2026 Il n’existe donc pas d’\u00e2ge limite, mais ce sont les acqu\u00e9reurs qui se fixent une barri\u00e8re en fonction de la rentabilit\u00e9 qu’ils peuvent esp\u00e9rer, compte tenu de la variable que constitue le co\u00fbt du financement.<\/p>\n

Des alternatives pour acheter apr\u00e8s 60 ans<\/h2>\n

On dit toujours que le plus t\u00f4t est le mieux pour se constituer un patrimoine immobilier\u00a0! Mais il existe n\u00e9anmoins des alternatives pour les seniors qui souhaitent financer un achat immobilier, comme le nantissement ou l’hypoth\u00e8que sur une maison.<\/p>\n

\u00c0 l’\u00e2ge de la retraite, la pierre papier poss\u00e8de aussi des avantages pour profiter de la rentabilit\u00e9 de l’immobilier sans l’inconv\u00e9nient d’une assurance de pr\u00eat co\u00fbteuse.<\/p>\n","protected":false},"excerpt":{"rendered":"

L\u2019investissement immobilier n\u2019est pas r\u00e9serv\u00e9 aux actifs, les retrait\u00e9s peuvent aussi miser sur la pierre. Mais le poids de l\u2019assurance emprunteur peut les rebuter. Il existe n\u00e9anmoins des alternatives pour financer une acquisition.<\/p>\n","protected":false},"author":4,"featured_media":2547,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2546","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nJusqu'\u00e0 quel \u00e2ge peut-on investir dans l\u2019immobilier ?<\/title>\n<meta name=\"description\" content=\"L\u2019investissement immobilier n\u2019est pas r\u00e9serv\u00e9 aux actifs, les retrait\u00e9s peuvent aussi miser sur la pierre. Mais le poids de l\u2019assurance emprunteur peut les rebuter. 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