{"id":4858,"date":"2020-10-26T08:24:00","date_gmt":"2020-10-26T07:24:00","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2020-10-16T16:56:23","modified_gmt":"2020-10-16T14:56:23","slug":"investissement-pinel-faut-il-investir-en-centre-ville-ou-en-peripherie","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/investissement-pinel-faut-il-investir-en-centre-ville-ou-en-peripherie.html","title":{"rendered":"Investissement Pinel : faut-il investir en centre-ville ou en p\u00e9riph\u00e9rie ?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Challenges s\u2019est pench\u00e9 de pr\u00e8s sur <a href=\"https:\/\/www.acecredit.fr\/fr\/pourquoi-investir-immobilier-neuf.html\">l\u2019investissement locatif dans le neuf<\/a> et a notamment mis au ban d\u2019essai le dispositif Pinel en confrontant deux strat\u00e9gies\u00a0: un emplacement central ou en p\u00e9riph\u00e9rie. Chacune poss\u00e8de des atouts distincts, mais l\u2019une des deux remporte les faveurs du news magazine. Laquelle\u00a0?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Rendement \u00e0 court terme ou valorisation \u00e0 long terme<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le centre-ville repr\u00e9sente une certaine s\u00e9curit\u00e9&nbsp;: son attractivit\u00e9 para\u00eet immuable et lui garantit une plus grande valorisation \u00e0 la revente \u00e0 long terme, \u00e0 l\u2019issue de l\u2019investissement Pinel. La courbe r\u00e9cente de l\u2019\u00e9volution des prix de l\u2019immobilier d\u00e9montre en effet que la valeur de la pierre a progress\u00e9 plus fortement dans le c\u0153ur des m\u00e9tropoles qu\u2019en p\u00e9riph\u00e9rie. Probl\u00e8me&nbsp;: le rendement y sera plus faible car le ticket d\u2019entr\u00e9e plus \u00e9lev\u00e9 pour l\u2019investisseur, en raison d\u2019un foncier tr\u00e8s co\u00fbteux. Ainsi, les emplacements dans les communes p\u00e9riph\u00e9riques, plus abordables, offrent l\u2019avantage <strong>de faire grimper le rendement voire de le doubler,<\/strong> ce qui n\u2019est pas n\u00e9gligeable pour limiter l\u2019effort d\u2019\u00e9pargne additionnelle avec un loyer plus proche des mensualit\u00e9s du cr\u00e9dit immobilier qui finance l\u2019op\u00e9ration.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Gare au plafond du dispositif Pinel&nbsp;!<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si le centre-ville est un \u00ab&nbsp;coup s\u00fbr&nbsp;\u00bb, ce type d\u2019emplacement fait aussi courir le risque de sortir des clous du dispositif Pinel. En effet, le plafond du prix de revient est de 5 500\u20ac\/m\u00b2 (300&nbsp;000\u20ac maximum). En clair, d\u00e8s lors que le montant du bien acquis neuf d\u00e9passe ces donn\u00e9es, <strong>la fraction sup\u00e9rieure ne donne pas lieu \u00e0 une r\u00e9duction d\u2019imp\u00f4t<\/strong>\u2026 Mais doit n\u00e9anmoins se conformer aux contraintes du Pinel, \u00e0 savoir un loyer plafonn\u00e9. Et il n\u2019est pas rare que les emplacements centraux \u00e0 Lyon, Bordeaux ou Nice peuvent d\u00e9passer all\u00e8grement ces sommes. D\u00e8s lors, mieux vaut s\u2019\u00e9carter pour trouver refuge \u00e0 Limonest dans la m\u00e9tropole lyonnaise pour repasser sous les 4 000\u20ac\/m\u00b2, idem \u00e0 Pessac en Gironde ou \u00e0 Vence dans l\u2019arri\u00e8re-pays ni\u00e7ois.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Une gestion locative \u00e0 prendre en consid\u00e9ration<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En centre-ville, les contraintes du Pinel et les tarifs exorbitants imposent bien souvent de privil\u00e9gier une petite surface avec potentiellement une forte rotation et donc un surcro\u00eet de gestion locative. En p\u00e9riph\u00e9rie, une surface plus importante permettra de privil\u00e9gier une client\u00e8le familiale, moins \u00e0 risque et plus fid\u00e8le sur la dur\u00e9e. Attention toutefois&nbsp;: les taux bas du cr\u00e9dit immobilier incitent les familles \u00e0 tenter l\u2019aventure de la primo-accession plut\u00f4t que de s\u2019inscrire dans la dur\u00e9e dans la location&nbsp;! Verdict de Challenges avec des simulations sur cinq territoires&nbsp;: <strong>la p\u00e9riph\u00e9rie sort vainqueur \u00e0 quatre reprises.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Challenges s\u2019est pench\u00e9 de pr\u00e8s sur l\u2019investissement locatif dans le neuf et a notamment mis au ban d\u2019essai le dispositif Pinel en confrontant deux strat\u00e9gies\u00a0: un emplacement [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":2239,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4858","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>Investissement Pinel : faut-il investir en centre-ville ou en p\u00e9riph\u00e9rie ? - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Une enqu\u00eate de Challenges confronte des investissements locatifs en Pinel dans des secteurs centraux et en p\u00e9riph\u00e9rie, ce qui a une influence sur le rendement \u00e0 court et long terme.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.acecredit.fr\/fr\/actualites\/investissement-pinel-faut-il-investir-en-centre-ville-ou-en-peripherie.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Investissement Pinel : faut-il investir en centre-ville ou en p\u00e9riph\u00e9rie ? - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Une enqu\u00eate de Challenges confronte des investissements locatifs en Pinel dans des secteurs centraux et en p\u00e9riph\u00e9rie, ce qui a une influence sur le rendement \u00e0 court et long terme.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/investissement-pinel-faut-il-investir-en-centre-ville-ou-en-peripherie.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2020-10-26T07:24:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/shipyard-2458150-6401.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"425\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Emma Martin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emma Martin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/investissement-pinel-faut-il-investir-en-centre-ville-ou-en-peripherie.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/investissement-pinel-faut-il-investir-en-centre-ville-ou-en-peripherie.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"Investissement Pinel : faut-il investir en centre-ville ou en p\u00e9riph\u00e9rie ?\",\"datePublished\":\"2020-10-26T07:24:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/investissement-pinel-faut-il-investir-en-centre-ville-ou-en-peripherie.html\"},\"wordCount\":487,\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/investissement-pinel-faut-il-investir-en-centre-ville-ou-en-peripherie.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/shipyard-2458150-6401.jpg\",\"articleSection\":[\"Actualit\u00e9s\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/investissement-pinel-faut-il-investir-en-centre-ville-ou-en-peripherie.html#primaryimage\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/shipyard-2458150-6401.jpg\",\"contentUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/shipyard-2458150-6401.jpg\",\"width\":640,\"height\":425,\"caption\":\"Retard sur les chantiers immobiliers en 2022\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/investissement-pinel-faut-il-investir-en-centre-ville-ou-en-peripherie.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.acecredit.fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Investissement Pinel : faut-il investir en centre-ville ou en p\u00e9riph\u00e9rie ?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#website\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/\",\"name\":\"Ace Cr\u00e9dit\",\"description\":\"Pr\u00eats immobilier\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.acecredit.fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\",\"name\":\"Ace Cr\u00e9dit\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/logo-acecredit.svg\",\"contentUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/logo-acecredit.svg\",\"caption\":\"Ace Cr\u00e9dit\"},\"image\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\",\"name\":\"Emma Martin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"caption\":\"Emma Martin\"},\"description\":\"R\u00e9dactrice Web depuis plus de 15 ans, Emma a rejoint Ace Cr\u00e9dit en 2011. Elle s'est sp\u00e9cialis\u00e9e en immobilier, pr\u00eat immobilier, assurance emprunteur et rachat de cr\u00e9dits.\",\"sameAs\":[\"https:\\\/\\\/www.acecredit.fr\\\/\",\"R\u00e9dactrice Ace Cr\u00e9dit\"],\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/author\\\/emma\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Investissement Pinel : faut-il investir en centre-ville ou en p\u00e9riph\u00e9rie ? - Ace Cr\u00e9dit","description":"Une enqu\u00eate de Challenges confronte des investissements locatifs en Pinel dans des secteurs centraux et en p\u00e9riph\u00e9rie, ce qui a une influence sur le rendement \u00e0 court et long terme.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.acecredit.fr\/fr\/actualites\/investissement-pinel-faut-il-investir-en-centre-ville-ou-en-peripherie.html","og_locale":"fr_FR","og_type":"article","og_title":"Investissement Pinel : faut-il investir en centre-ville ou en p\u00e9riph\u00e9rie ? - Ace Cr\u00e9dit","og_description":"Une enqu\u00eate de Challenges confronte des investissements locatifs en Pinel dans des secteurs centraux et en p\u00e9riph\u00e9rie, ce qui a une influence sur le rendement \u00e0 court et long terme.","og_url":"https:\/\/www.acecredit.fr\/fr\/actualites\/investissement-pinel-faut-il-investir-en-centre-ville-ou-en-peripherie.html","og_site_name":"Ace Cr\u00e9dit","article_published_time":"2020-10-26T07:24:00+00:00","og_image":[{"width":640,"height":425,"url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/shipyard-2458150-6401.jpg","type":"image\/jpeg"}],"author":"Emma Martin","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Emma Martin","Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/investissement-pinel-faut-il-investir-en-centre-ville-ou-en-peripherie.html#article","isPartOf":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/investissement-pinel-faut-il-investir-en-centre-ville-ou-en-peripherie.html"},"author":{"name":"Emma Martin","@id":"https:\/\/www.acecredit.fr\/#\/schema\/person\/b6b4a22057810ab8a95b053aca9ae632"},"headline":"Investissement Pinel : faut-il investir en centre-ville ou en p\u00e9riph\u00e9rie ?","datePublished":"2020-10-26T07:24:00+00:00","mainEntityOfPage":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/investissement-pinel-faut-il-investir-en-centre-ville-ou-en-peripherie.html"},"wordCount":487,"publisher":{"@id":"https:\/\/www.acecredit.fr\/#organization"},"image":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/investissement-pinel-faut-il-investir-en-centre-ville-ou-en-peripherie.html#primaryimage"},"thumbnailUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/shipyard-2458150-6401.jpg","articleSection":["Actualit\u00e9s"],"inLanguage":"fr-FR"},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/investissement-pinel-faut-il-investir-en-centre-ville-ou-en-peripherie.html#primaryimage","url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/shipyard-2458150-6401.jpg","contentUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/shipyard-2458150-6401.jpg","width":640,"height":425,"caption":"Retard sur les chantiers immobiliers en 2022"},{"@type":"BreadcrumbList","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/investissement-pinel-faut-il-investir-en-centre-ville-ou-en-peripherie.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.acecredit.fr\/"},{"@type":"ListItem","position":2,"name":"Investissement Pinel : faut-il investir en centre-ville ou en p\u00e9riph\u00e9rie ?"}]},{"@type":"WebSite","@id":"https:\/\/www.acecredit.fr\/#website","url":"https:\/\/www.acecredit.fr\/","name":"Ace Cr\u00e9dit","description":"Pr\u00eats immobilier","publisher":{"@id":"https:\/\/www.acecredit.fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.acecredit.fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.acecredit.fr\/#organization","name":"Ace Cr\u00e9dit","url":"https:\/\/www.acecredit.fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.acecredit.fr\/#\/schema\/logo\/image\/","url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/logo-acecredit.svg","contentUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/logo-acecredit.svg","caption":"Ace Cr\u00e9dit"},"image":{"@id":"https:\/\/www.acecredit.fr\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.acecredit.fr\/#\/schema\/person\/b6b4a22057810ab8a95b053aca9ae632","name":"Emma Martin","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","caption":"Emma Martin"},"description":"R\u00e9dactrice Web depuis plus de 15 ans, Emma a rejoint Ace Cr\u00e9dit en 2011. Elle s'est sp\u00e9cialis\u00e9e en immobilier, pr\u00eat immobilier, assurance emprunteur et rachat de cr\u00e9dits.","sameAs":["https:\/\/www.acecredit.fr\/","R\u00e9dactrice Ace Cr\u00e9dit"],"url":"https:\/\/www.acecredit.fr\/author\/emma"}]}},"_links":{"self":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/4858","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/comments?post=4858"}],"version-history":[{"count":3,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/4858\/revisions"}],"predecessor-version":[{"id":4874,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/4858\/revisions\/4874"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media\/2239"}],"wp:attachment":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media?parent=4858"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/categories?post=4858"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/tags?post=4858"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}