{"id":5370,"date":"2021-03-19T08:17:00","date_gmt":"2021-03-19T07:17:00","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2021-03-16T09:36:10","modified_gmt":"2021-03-16T08:36:10","slug":"investissement-locatif-11-couts-a-prevoir-pour-bien-calculer-sa-rentabilite","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/investissement-locatif-11-couts-a-prevoir-pour-bien-calculer-sa-rentabilite.html","title":{"rendered":"Investissement locatif : 11 co\u00fbts \u00e0 pr\u00e9voir pour bien calculer sa rentabilit\u00e9"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.acecredit.fr\/fr\/calcul-capacite-emprunt.html\">\u00c9valuer sa capacit\u00e9 financi\u00e8re<\/a> disponible pour investir dans un bien locatif implique de tenir compte d\u2019un certain nombre de frais. Cela favorise, d\u2019une part, l\u2019obtention d\u2019un avis positif de la banque pour une demande de pr\u00eat immobilier. Il faut aussi les prendre en consid\u00e9ration pour une vision plus pr\u00e9cise de la rentabilit\u00e9 locative d\u2019un bien.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les co\u00fbts annexes \u00e0 l\u2019achat<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ils doivent \u00eatre obligatoirement calcul\u00e9s avant une souscription de cr\u00e9dit immobilier car ils vont d\u00e9terminer la faisabilit\u00e9 du projet&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Les <strong>frais de notaire<\/strong> se situent autour des 3&nbsp;% du prix du bien en neuf. Dans l\u2019ancien, ils atteignent les 8% environ. Le montant global ne tient pas compte des frais de commission d\u2019agence et de la valeur des meubles du logement.<\/li><li>Le <strong>co\u00fbt du financement<\/strong>, qui comprend les frais de dossier, les int\u00e9r\u00eats bancaires li\u00e9s au cr\u00e9dit immobilier ainsi que les frais d\u2019assurance emprunteur.<\/li><li>Les <strong>frais de garantie<\/strong> comme l\u2019hypoth\u00e8que ou la caution.<\/li><li>Les <strong>frais de travaux<\/strong> de r\u00e9novation ou de rafra\u00eechissement.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Les frais li\u00e9s \u00e0 la location<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ils viennent grever les recettes locatives tout au long de la dur\u00e9e de d\u00e9tention du bien&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Les frais de gestion concernent les propri\u00e9taires qui placent leur bien en <strong>g\u00e9rance locative.<\/strong> Cette part variable revient \u00e0 l\u2019agence immobili\u00e8re.<\/li><li><strong>Les charges de copropri\u00e9t\u00e9<\/strong> sont \u00e0 r\u00e9gler chaque trimestre. Elles d\u00e9signent les d\u00e9penses n\u00e9cessaires \u00e0 l\u2019entretien de l\u2019immeuble, aux frais d\u2019eau et d\u2019\u00e9lectricit\u00e9, au salaire d\u2019un \u00e9ventuel gardien.<\/li><li>L\u2019assurance loyers impay\u00e9s, certes facultative mais fortement conseill\u00e9e. Elle peut atteindre 5% du loyer annuel, charges comprises.<\/li><li><strong>L\u2019assurance propri\u00e9taire<\/strong> <strong>non occupant<\/strong> qui est obligatoire. Son montant varie selon le type de bien, le loyer, la compagnie d\u2019assurance, et si la location est nue ou meubl\u00e9e.<\/li><li><strong>Les \u00e9quipements pour un meubl\u00e9<\/strong>, obligatoires et qui concernent aussi bien la literie que les \u00e9tag\u00e8res de rangement, les luminaires, les tables, les chaises, ou encore l\u2019\u00e9lectrom\u00e9nager de la cuisine.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Le co\u00fbt de la fiscalit\u00e9<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ces charges sont notamment li\u00e9es aux recettes locatives, compte tenu du revenu compl\u00e9mentaire qu\u2019elles repr\u00e9sentent&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>La taxe fonci\u00e8re<\/strong> est une charge annuelle dont le paiement peut \u00eatre liss\u00e9 sur l\u2019ann\u00e9e. Son montant d\u00e9pend de plusieurs crit\u00e8res&nbsp;: taille du logement, caract\u00e9ristiques et surtout commune d\u2019emplacement. Celle-ci inclut la taxe d\u2019enl\u00e8vement des ordures m\u00e9nag\u00e8res, qu\u2019il est possible de r\u00e9cup\u00e9rer sur le prix du loyer.<\/li><li><strong>L\u2019imposition sur les revenus locatifs<\/strong>, calcul\u00e9e de mani\u00e8re forfaitaire (d\u00e9duction de 30% du montant des loyers), ou au montant r\u00e9el. Ce dernier soustrait les int\u00e9r\u00eats d\u2019emprunt, la taxe fonci\u00e8re et les charges de copropri\u00e9t\u00e9 (except\u00e9 les parts pay\u00e9es par le locataire), ainsi que les assurances. En cas de meubl\u00e9, les amortissements du bien et des meubles se substituent de la base imposable.<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\u00c9valuer sa capacit\u00e9 financi\u00e8re disponible pour investir dans un bien locatif implique de tenir compte d\u2019un certain nombre de frais. Cela favorise, d\u2019une part, l\u2019obtention d\u2019un avis [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":5378,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5370","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 locatif : 11 co\u00fbts \u00e0 pr\u00e9voir pour bien calculer sa rentabilit\u00e9 - Ace Cr\u00e9dit<\/title>\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-locatif-11-couts-a-prevoir-pour-bien-calculer-sa-rentabilite.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Investissement locatif : 11 co\u00fbts \u00e0 pr\u00e9voir pour bien calculer sa rentabilit\u00e9 - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"\u00c9valuer sa capacit\u00e9 financi\u00e8re disponible pour investir dans un bien locatif implique de tenir compte d\u2019un certain nombre de frais. 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