{"id":2560,"date":"2020-04-02T17:02:23","date_gmt":"2020-04-02T15:02:23","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/3-raisons-de-creer-une-sci-pour-gerer-son-patrimoine-immobilier_-n.html"},"modified":"2020-07-28T15:30:32","modified_gmt":"2020-07-28T13:30:32","slug":"3-raisons-de-creer-une-sci-pour-gerer-son-patrimoine-immobilier_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/3-raisons-de-creer-une-sci-pour-gerer-son-patrimoine-immobilier_-n.html","title":{"rendered":"3 raisons de cr\u00e9er une SCI pour g\u00e9rer son patrimoine immobilier"},"content":{"rendered":"
Un investissement locatif \u00e0 plusieurs peut \u00eatre lucratif mais \u00e9galement risqu\u00e9. Constituer une SCI permet de pr\u00e9venir d’\u00e9ventuelles difficult\u00e9s<\/b> afin de gagner en souplesse. Et ce pour au moins trois bonnes raisons.<\/p>\n

Sortir du r\u00e9gime de l’indivision<\/h2>\n

Un couple, des parents et leurs enfants, des fr\u00e8res et soeurs : toutes les combinaisons sont possibles au sein d’une soci\u00e9t\u00e9 civile immobili\u00e8re, m\u00eame des proches sans lien de parent\u00e9 ! C’est n\u00e9anmoins la formule privil\u00e9gi\u00e9e pour investir dans l’immobilier en famille, ou g\u00e9rer un h\u00e9ritage. Chaque membre d\u00e9tient des quotes-parts et devient ainsi un associ\u00e9, la SCI cr\u00e9ant une personne morale qui est le propri\u00e9taire unique des biens d\u00e9tenus<\/b>. L\u00e0 o\u00f9 les d\u00e9cisions importantes sont prises \u00e0 l’unanimit\u00e9 en indivision \u2013 ce qui peut cr\u00e9er des blocages \u2013, c’est la majorit\u00e9 des deux tiers qui l’emporte en SCI. Sans compter que le g\u00e9rant de la SCI dispose de pouvoirs \u00e9tendus en termes d’administration, et que chaque associ\u00e9 peut revendre ses parts \u00e0 tout moment<\/b>.<\/p>\n

Investir \u00e0 plusieurs<\/h2>\n

L’union fait la force. En SCI, on peut gagner en capacit\u00e9 de financement<\/a> et donc acc\u00e9der \u00e0 des biens plus ambitieux<\/b> gr\u00e2ce \u00e0 l’addition des capitaux de chacun. L\u00e0 o\u00f9 un investisseur seul ach\u00e8te un appartement, une SCI pourra s’offrir l’immeuble. Cela permet aussi d’obtenir un cr\u00e9dit immobilier collectivement dans des conditions avantageuse<\/b>s, en raison de l’int\u00e9r\u00eat que repr\u00e9sente la solidarit\u00e9 familiale pour les \u00e9tablissements pr\u00eateurs. Un pr\u00eat immobilier pour une SCI est toutefois semblable \u00e0 celui contract\u00e9 par un particulier seul, et l’assurance emprunteur doit atteindre la quotit\u00e9 de 100% quelle que soit la r\u00e9partition choisie entre associ\u00e9s.<\/p>\n

Une fiscalit\u00e9 avantageuse<\/h2>\n

La SCI offre de nombreuses possibilit\u00e9s en termes de fiscalit\u00e9<\/b>, comme le choix entre l’imposition sur le revenu et l’imp\u00f4t sur les soci\u00e9t\u00e9s. Dans le cas de l’option IR, chaque associ\u00e9 est impos\u00e9 personnellement sur les revenus locatifs correspondant \u00e0 sa quote-part, alors que l’option IS r\u00e9duit l’imposition personnelle sur les dividendes. La seconde formule est avantageuse pour les contribuables soumis aux tranches les plus \u00e9lev\u00e9es de l’IR, la premi\u00e8re favorable \u00e0 ceux qui souhaitent investir sur le long terme. L’autre avantage fiscal de la SCI est li\u00e9 \u00e0 la transmission progressive du patrimoine<\/b> via des donations sans frais de succession par le jeu des abattements.<\/div>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

La constitution d\u2019une soci\u00e9t\u00e9 civile immobili\u00e8re (SCI) est recommand\u00e9e pour investir dans l\u2019immobilier \u00e0 plusieurs ou g\u00e9rer un patrimoine. Souplesse dans l\u2019organisation et fiscalit\u00e9 avantageuse font partie de l\u2019\u00e9quation.<\/p>\n","protected":false},"author":4,"featured_media":2561,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2560","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\n3 raisons de cr\u00e9er une SCI pour g\u00e9rer son patrimoine immobilier<\/title>\n<meta name=\"description\" content=\"La constitution d\u2019une soci\u00e9t\u00e9 civile immobili\u00e8re (SCI) est recommand\u00e9e pour investir dans l\u2019immobilier \u00e0 plusieurs ou g\u00e9rer un patrimoine. 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