{"id":5161,"date":"2021-01-26T15:32:03","date_gmt":"2021-01-26T14:32:03","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2021-01-26T15:32:03","modified_gmt":"2021-01-26T14:32:03","slug":"tout-ce-quil-faut-savoir-avant-dinvestir-en-2021","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/tout-ce-quil-faut-savoir-avant-dinvestir-en-2021.html","title":{"rendered":"Tout ce qu\u2019il faut savoir avant d\u2019investir en 2021"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Dans une \u00e9tude de la Fnaim parue le mercredi 13 janvier, la F\u00e9d\u00e9ration Nationale de l\u2019Immobilier revient sur le march\u00e9 du logement en 2020 et livre ses perspectives pour 2021. Voici ce qu\u2019il faut retenir dans le cadre de l\u2019investissement locatif&nbsp;:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Vers un r\u00e9\u00e9quilibrage territorial<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les investissements locatifs se concentrent principalement dans les grandes m\u00e9tropoles. La vacance locative y est faible et la plus-value int\u00e9ressante en raison de la tension du march\u00e9 local. Mais avec la crise sanitaire, les Fran\u00e7ais aspirent \u00e0 un cadre de vie plus vert et cela joue en faveur des villes moyennes. Une occasion \u00e0 saisir pour les investisseurs qui souhaiteraient sauter le pas car <strong>les prix y sont plus abordables et le rendement locatif plus int\u00e9ressant \u00e0 l\u2019image de Limoges (plus de 7%)&nbsp;!<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La location meubl\u00e9e progresse<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La Fnaim a relev\u00e9 une hausse de la part des logements meubl\u00e9s dans le parc locatif entre 2006 et 2016, passant de 8,7 \u00e0 11%. En 2020, le mouvement s\u2019est acc\u00e9l\u00e9r\u00e9 \u00e0 l\u2019image de Montpellier ou Poitiers, o\u00f9 <strong>la proportion des meubl\u00e9s dans les annonces de studios ont franchi les 40% <\/strong>alors qu\u2019ils n\u2019\u00e9taient que de 20% trois ans plus t\u00f4t. Le \u00ab&nbsp;rapatriement&nbsp;\u00bb des logements Airbnb vers la location classique est \u00e9galement un effet de la crise sanitaire.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">L\u2019encadrement des loyers s\u2019\u00e9tend<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Paris et Lille ont agi en \u00e9claireurs, mais l\u2019encadrement des loyers va progressivement s\u2019\u00e9tendre en 2021. D\u2019abord aux villes de Plaine Commune au nord de Paris, mais aussi \u00e0 Lyon, Bordeaux, <a href=\"https:\/\/www.acecredit.fr\/courtier-credit-immobilier-agence-montpellier.html\">Montpellier<\/a> ou Grenoble qui ont candidat\u00e9. Pour les bailleurs, cette mesure ne doit toutefois pas nourrir de craintes\u00a0: ils peuvent appliquer <strong>des loyers sup\u00e9rieurs de 20% ou inf\u00e9rieurs de 30% au niveau m\u00e9dian<\/strong>, ce qui ne fait que limiter les exc\u00e8s et n\u2019impacte pas la majorit\u00e9 des biens.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les cotisations sociales plombent le statut LMP<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La pression fiscale se renforce un peu plus sur les loueurs en meubl\u00e9 professionnel. Depuis que l\u2019inscription au RCS n\u2019est plus un crit\u00e8re d\u2019affiliation ou non \u00e0 la S\u00e9curit\u00e9 sociale des ind\u00e9pendants (SSI), les bailleurs en LMP sont <strong>redevables des cotisations sociales<\/strong>. Cela correspond \u00e0 22% des recettes locatives pour un meubl\u00e9 sous le r\u00e9gime de la micro-entreprise, 19% au r\u00e9gime g\u00e9n\u00e9ral ou 42% du b\u00e9n\u00e9fice imposable en SSI.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La taxe fonci\u00e8re augmente<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si la disparition de la taxe d\u2019habitation fait le bonheur des locataires, les bailleurs doivent faire face \u00e0 une hausse de la taxe fonci\u00e8re. Celle-ci a d\u00e9j\u00e0 augment\u00e9 de 31,4% entre 2009 et 2019, alors que la progression des loyers n\u2019a pas atteint les 10% selon l\u2019Observatoire UNPI. <strong>Une r\u00e9vision des valeurs locatives pourrait prolonger cette courbe dans les prochaines ann\u00e9es<\/strong>, et peser sur les investisseurs\u2026 Qui peuvent toutefois d\u00e9duire ce co\u00fbt de leurs revenus fonciers, au m\u00eame titre que les int\u00e9r\u00eats du cr\u00e9dit immobilier.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les conditions d\u2019emprunt s\u2019assouplissent<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le Haut Conseil de stabilit\u00e9 financi\u00e8re a ajust\u00e9 ses recommandations \u00e0 destination des banques le 17 d\u00e9cembre dernier&nbsp;: <strong>le taux d\u2019endettement peut d\u00e9sormais atteindre 35%, et la dur\u00e9e d\u2019emprunt plafonn\u00e9e \u00e0 25 ans peut b\u00e9n\u00e9ficier d\u2019une rallonge de 24 mois<\/strong> en cas de diff\u00e9r\u00e9 de remboursement li\u00e9 \u00e0 l\u2019ach\u00e8vement des travaux dans le neuf par exemple. Un assouplissement bienvenu pour ceux qui investissent en VEFA&nbsp;par exemple, sans oublier <strong>les taux de cr\u00e9dit immobilier toujours aussi attractifs<\/strong> (\u00e0 partir de 0,48% sur 15 ans et 0,59% sur 20 ans). Les conditions semblent donc r\u00e9unies pour concr\u00e9tiser son projet d\u2019investissement. L\u2019accompagnement d\u2019un courtier en cr\u00e9dit immobilier est plus que jamais n\u00e9cessaire. Les conditions s\u2019\u00e9tant assouplies, votre capacit\u00e9 d\u2019emprunt peut avoir chang\u00e9. Nos sp\u00e9cialistes en financement peuvent vous aider \u00e0 \u00e9tablir un plan de financement d\u00e9taill\u00e9 pour une recherche de biens plus efficace.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dans une \u00e9tude de la Fnaim parue le mercredi 13 janvier, la F\u00e9d\u00e9ration Nationale de l\u2019Immobilier revient sur le march\u00e9 du logement en 2020 et livre ses [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":4620,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5161","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>Tout ce qu\u2019il faut savoir avant d\u2019investir en 2021 - Ace 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