{"id":5423,"date":"2021-04-05T08:45:00","date_gmt":"2021-04-05T06:45:00","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2021-04-01T15:45:36","modified_gmt":"2021-04-01T13:45:36","slug":"la-crise-sanitaire-menace-t-elle-la-rentabilite-locative","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/la-crise-sanitaire-menace-t-elle-la-rentabilite-locative.html","title":{"rendered":"La crise sanitaire menace-t-elle la rentabilit\u00e9 locative ?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">La Covid-19 continue de circuler de mani\u00e8re active et la campagne de vaccination tarde \u00e0 produire ses effets. La crise sanitaire semble s\u2019installer sur la dur\u00e9e, une situation qui p\u00e8se sur la relance du march\u00e9 immobilier. Les investisseurs doivent-ils s\u2019en inqui\u00e9ter&nbsp;?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les trois menaces qui planent sur l\u2019investissement locatif<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le march\u00e9 immobilier se nourrit de confiance, et la p\u00e9riode actuelle en manque faute de visibilit\u00e9 sur le moyen et long terme. \u00c0 mesure que la crise sanitaire s\u2019enlise, l\u2019hypoth\u00e8se d\u2019un retour rapide \u00e0 la normale s\u2019\u00e9loigne peu \u00e0 peu et le risque d\u2019une solvabilit\u00e9 des m\u00e9nages prend de l\u2019\u00e9paisseur. Pour un investisseur, cela se traduit par plusieurs menaces&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>des <strong>d\u00e9fauts de paiement de loyer<\/strong> plus importants du fait de la baisse du pouvoir d\u2019achat li\u00e9e au ralentissement de l\u2019activit\u00e9 \u00e9conomique&nbsp;;<\/li><li>une <strong>moins-value \u00e0 la revente <\/strong>en cas de baisse des prix de l\u2019immobilier&nbsp;;<\/li><li>une <strong>absence d\u2019acqu\u00e9reurs<\/strong> dans un march\u00e9 immobilier en r\u00e9cession.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Si l\u2019horizon de la revente est g\u00e9n\u00e9ralement \u00e9loign\u00e9 de plusieurs ann\u00e9es \u2013 la dur\u00e9e moyenne de d\u00e9tention d\u2019un bien immobilier est de huit ans \u2013, le risque de loyer impay\u00e9 est donc le plus imm\u00e9diat. Pour l\u2019heure, l\u2019immobilier r\u00e9sidentiel n\u2019a pas subi de vague de la sorte, contrairement \u00e0 l\u2019immobilier commercial qui doit composer avec les difficult\u00e9s croissantes des entreprises impact\u00e9es par la Covid-19.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Taux bas et forte demande dissipent les doutes<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La rentabilit\u00e9 locative n\u2019est toutefois pas forc\u00e9ment mise \u00e0 mal par la crise sanitaire. En cas de baisse des prix \u2013 l\u2019heure est plut\u00f4t \u00e0 la stagnation \u2013, il est possible de <strong>r\u00e9aliser des bonnes op\u00e9rations \u00e0 l\u2019achat.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par ailleurs, les recommandations du HCSF (Haut Conseil de stabilit\u00e9 financi\u00e8re) poussent les banques \u00e0 \u00eatre davantage s\u00e9lectives. Certaines cat\u00e9gories d\u2019emprunteurs, notamment les primo-acc\u00e9dants, sont \u00e9cart\u00e9es du financement. Ceux-ci pourraient potentiellement se retrouver sur le march\u00e9 locatif, ce qui r\u00e9duit ainsi le risque de vacance locative.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les <strong>taux bas du cr\u00e9dit immobilier<\/strong> rendent l\u2019investissement locatif int\u00e9ressant en 2021. En effet, <a href=\"https:\/\/www.acecredit.fr\/fr\/barometres-taux.html\">les taux d\u2019int\u00e9r\u00eats sont au plus bas<\/a>&nbsp;: \u00e0 partir de 0,65% sur 15 ans et 0,83% sur 20 ans, selon notre barom\u00e8tre des taux. De plus, le maintien des dispositifs de d\u00e9fiscalisation comme le Pinel ou le Denormandie tire la rentabilit\u00e9 locative vers le haut.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La Covid-19 continue de circuler de mani\u00e8re active et la campagne de vaccination tarde \u00e0 produire ses effets. La crise sanitaire semble s\u2019installer sur la dur\u00e9e, une [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":5427,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5423","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>La crise sanitaire menace-t-elle la rentabilit\u00e9 locative ? - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"La crise sanitaire s\u2019enlise et fait craindre aux investisseurs des impay\u00e9s et des moins-values. Mais les taux bas du cr\u00e9dit immobilier compensent en partie ces inconv\u00e9nients.\" \/>\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\/la-crise-sanitaire-menace-t-elle-la-rentabilite-locative.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La crise sanitaire menace-t-elle la rentabilit\u00e9 locative ? - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"La crise sanitaire s\u2019enlise et fait craindre aux investisseurs des impay\u00e9s et des moins-values. Mais les taux bas du cr\u00e9dit immobilier compensent en partie ces inconv\u00e9nients.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/la-crise-sanitaire-menace-t-elle-la-rentabilite-locative.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2021-04-05T06:45:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/location-appartement.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"683\" \/>\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 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