{"id":4912,"date":"2020-11-16T08:39:00","date_gmt":"2020-11-16T07:39:00","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2020-11-12T11:44:16","modified_gmt":"2020-11-12T10:44:16","slug":"que-vaut-la-defiscalisation-malraux","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/que-vaut-la-defiscalisation-malraux.html","title":{"rendered":"Que vaut la d\u00e9fiscalisation Malraux ?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">En 1962, le ministre Andr\u00e9 Malraux \u2013 l\u2019auteur de <em>La condition humaine<\/em> \u2013 donnait son nom \u00e0 un dispositif de d\u00e9fiscalisation qui est toujours en vigueur aujourd\u2019hui malgr\u00e9 plusieurs r\u00e9visions en 1995, en 2009 puis plus r\u00e9cemment en 2017. Mis en place dans le but de prot\u00e9ger le patrimoine architectural et historique des centres-villes, ce dispositif demeure tr\u00e8s attractif.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u2019est-ce que le dispositif de d\u00e9fiscalisation Malraux&nbsp;?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Promulgu\u00e9e le 4 ao\u00fbt 1962, la loi n\u00b0 62-903 dite \u00ab&nbsp;loi Malraux&nbsp;\u00bb vise \u00e0 pr\u00e9server et \u00e0 valoriser les h\u00e9ritages architecturaux des grandes villes de l\u2019Hexagone via la d\u00e9signation de zones urbaines sauvegard\u00e9es qui partagent certains crit\u00e8res&nbsp;: valeur historique ou esth\u00e9tique reconnue. Ces secteurs sont r\u00e9gis par des <strong>r\u00e8gles d\u2019urbanisme pr\u00e9cises<\/strong> auxquelles l\u2019ensemble des propri\u00e9taires poss\u00e9dant des immeubles en location doivent se plier, moyennant la <strong>d\u00e9duction de toutes les d\u00e9penses n\u00e9cessaires \u00e0 une restauration de leur bien dans les r\u00e8gles \u00e9dict\u00e9es<\/strong>. Pour b\u00e9n\u00e9ficier de cette d\u00e9fiscalisation, le bien doit \u00eatre mis en location nue pendant neuf ans.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Un dispositif qui fixe des r\u00e8gles pr\u00e9cises<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour calculer le montant de la r\u00e9duction d\u2019imp\u00f4t octroy\u00e9e par le dispositif Malraux, il faut partir du montant total des d\u00e9penses de restauration qui sont prises en compte par cette loi. Parmi les d\u00e9penses \u00e9ligibles, on trouve&nbsp;: la restauration de murs ou de toitures ext\u00e9rieurs, la d\u00e9molition, les travaux de r\u00e9affectation \u00e0 l\u2019habitation d\u2019un immeuble qui n\u2019avait plus cet usage, l\u2019am\u00e9lioration des habitats, l\u2019am\u00e9nagement de combles ou de parties communes pour en faire des espaces habitables, la mise en conformit\u00e9, les primes d\u2019assurance et frais de gestion. Il faut savoir que <strong>le co\u00fbt des travaux peut \u00eatre inclus dans le pr\u00eat immobilier<\/strong> servant \u00e0 financer l\u2019acquisition d\u2019un bien destin\u00e9 \u00e0 \u00eatre mis en location.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comment faire son calcul&nbsp;?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La r\u00e9duction d\u2019imp\u00f4t s\u2019\u00e9l\u00e8ve \u00e0 <strong>30%<\/strong> des d\u00e9penses en travaux pour les immeubles situ\u00e9s dans les quartiers conventionn\u00e9s ou PSMV (plan de sauvegarde et de mise en valeur), et \u00e0 <strong>22%<\/strong> pour ceux qui se trouvent en PVAP (plan de valorisation de l\u2019architecture et du patrimoine). Ainsi, pour des travaux qui s\u2019\u00e9l\u00e8vent \u00e0 400&nbsp;000\u20ac dans un PVAP, la r\u00e9duction d\u2019imp\u00f4t est \u00e9chelonn\u00e9e sur trois ans et donne le calcul suivant&nbsp;: (400&nbsp;000\u20ac x 22%) \/ 3 = plus de 29&nbsp;333\u20ac par an. En mati\u00e8re de financement, un cr\u00e9dit travaux est limit\u00e9 \u00e0 75&nbsp;000\u20ac. Il est donc int\u00e9ressant d\u2019int\u00e9grer les travaux au pr\u00eat immobilier, d\u2019autant que ce type de financement permet de b\u00e9n\u00e9ficier d\u2019un taux plus comp\u00e9titif et de lisser le remboursement sur une dur\u00e9e plus longue.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Que choisir entre le dispositif Malraux et la loi Pinel&nbsp;?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ces deux dispositifs permettent de b\u00e9n\u00e9ficier de r\u00e9ductions d\u2019imp\u00f4ts et sont compatibles avec la contraction d\u2019un cr\u00e9dit immobilier. Mais chacune a ses avantages. Il faudra privil\u00e9gier la loi Malraux si l\u2019investisseur veut b\u00e9n\u00e9ficier d\u2019une <strong>r\u00e9duction d\u2019imp\u00f4ts sur trois ans<\/strong>, qu\u2019il pr\u00e9f\u00e8re acheter dans des secteurs historiques charg\u00e9s de patrimoine et que ses r\u00e9ductions d\u2019imp\u00f4ts annuelles sont proches de 10&nbsp;000\u20ac. La loi Pinel sera plus avantageuse pour les investisseurs qui souhaitent un rendement rapide et important, et qui investissent en <strong>fonction du prix au m\u00e8tre carr\u00e9 <\/strong>et non pas en tenant compte de l\u2019architecture.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>En 1962, le ministre Andr\u00e9 Malraux \u2013 l\u2019auteur de La condition humaine \u2013 donnait son nom \u00e0 un dispositif de d\u00e9fiscalisation qui est toujours en vigueur aujourd\u2019hui [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":3308,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4912","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>Que vaut la d\u00e9fiscalisation Malraux ? - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Peu connu du grand public, le dispositif de d\u00e9fiscalisation Malraux a \u00e9t\u00e9 pens\u00e9 pour prot\u00e9ger le patrimoine architectural des grandes villes fran\u00e7aises. 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