{"id":4822,"date":"2020-10-16T08:49:00","date_gmt":"2020-10-16T06:49:00","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2020-10-05T10:38:17","modified_gmt":"2020-10-05T08:38:17","slug":"en-2020-linvestissement-locatif-ne-connait-pas-la-crise","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/en-2020-linvestissement-locatif-ne-connait-pas-la-crise.html","title":{"rendered":"En 2020, l\u2019investissement locatif ne connait pas la crise"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Faut-il se montrer prudent ou sauter le pas en p\u00e9riode de crise&nbsp;? De nombreux particuliers ont opt\u00e9 pour la seconde option en se dirigeant massivement vers l\u2019investissement locatif. Les taux bas du cr\u00e9dit immobilier ou encore les dispositifs de d\u00e9fiscalisation encouragent les emprunteurs \u00e0 concr\u00e9tiser leur projet. &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Le cr\u00e9dit immobilier et ses attraits<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Epargner ou investir\u00a0? En temps de crise, la question m\u00e9rite une r\u00e9flexion plus approfondie depuis la crise sanitaire du coronavirus. Mais il existe aussi des opportunit\u00e9s \u00e0 saisir et c\u2019est le cas de nombreux particuliers qui n\u2019ont pas h\u00e9sit\u00e9 \u00e0 se constituer un patrimoine immobilier. On le sait, l\u2019investissement locatif poss\u00e8de un atout d\u00e9terminant par rapport \u00e0 un placement financier\u00a0: l\u2019effet levier du cr\u00e9dit. Le financement par le biais d\u2019un <a href=\"https:\/\/www.acecredit.fr\/\">pr\u00eat immobilier<\/a> permet en effet d<strong>\u2019investir sans poss\u00e9der la somme<\/strong>, mais via un effort limit\u00e9 dans le temps et fonction de la dur\u00e9e de remboursement. Et le <strong>taux immobilier que peut actuellement esp\u00e9rer un investisseur est incitatif (1,24% en moyenne<\/strong> d\u2019apr\u00e8s l\u2019Observatoire Cr\u00e9dit Logement).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Des d\u00e9ductions fiscales importantes<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Reste \u00e0 lever l\u2019obstacle qui peut s\u2019av\u00e9rer bloquant\u00a0: la pression fiscale sur la pierre. Dans un contexte de tension sur l\u2019offre de logements dans les grandes agglom\u00e9rations et de r\u00e9duction de la consommation \u00e9nerg\u00e9tique, plusieurs dispositifs de l\u2019\u00c9tat offrent des r\u00e9ponses pertinentes aux investisseurs. Ils peuvent en effet <strong>r\u00e9duire leur imp\u00f4t sur le revenu via le dispositif Pinel<\/strong> \u2013 prolong\u00e9 jusqu\u2019au 31 d\u00e9cembre 2021 \u2013 et profiter \u00e9galement de <strong>frais de notaire r\u00e9duits<\/strong> et d\u2019une <strong>exon\u00e9ration de taxe fonci\u00e8re<\/strong> durant deux ans s\u2019agissant de l\u2019acquisition d\u2019un bien neuf. La <strong>d\u00e9duction fiscale peut atteindre 21% du prix d\u2019achat<\/strong> si elle est \u00e9tal\u00e9e sur 12 ans\u00a0!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Une demande toujours plus nombreuse<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Une enqu\u00eate OpinionWay pour Nexity r\u00e9v\u00e9lait en 2019 que pr\u00e8s de la moiti\u00e9 des investisseurs misaient sur l\u2019immobilier neuf pour les taux bas du cr\u00e9dit immobilier (48%) et pour les avantages fiscaux (43%). Si 2020 est une ann\u00e9e propice pour investir, c\u2019est aussi parce que la demande n\u2019est pas pr\u00eate de se tarir. Elle s\u2019appuie d\u00e9j\u00e0 sur une offre inf\u00e9rieure \u00e0 la demande, ph\u00e9nom\u00e8ne end\u00e9mique renforc\u00e9 par le <strong>coup de frein de la construction neuve avec la Covid-19<\/strong>. Et puis le resserrement des conditions d\u2019octroi du cr\u00e9dit immobilier d\u00e9cid\u00e9 par le Haut Conseil de stabilit\u00e9 financi\u00e8re \u00e9carte de l\u2019accession \u00e0 la propri\u00e9t\u00e9 les m\u00e9nages modestes et sans apport personnel. Des foyers qui restent donc sur le march\u00e9 locatif&#8230;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Faut-il se montrer prudent ou sauter le pas en p\u00e9riode de crise&nbsp;? De nombreux particuliers ont opt\u00e9 pour la seconde option en se dirigeant massivement vers l\u2019investissement [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":4624,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4822","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>En 2020, l\u2019investissement locatif ne connait pas la crise - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"L\u2019investissement locatif demeure un placement pertinent en 2020 malgr\u00e9 le contexte Covid, en raison des atouts du cr\u00e9dit immobilier et des dispositifs de d\u00e9fiscalisation notamment.\" \/>\n<meta name=\"robots\" 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