{"id":5636,"date":"2021-06-09T08:42:00","date_gmt":"2021-06-09T06:42:00","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2021-06-07T11:04:11","modified_gmt":"2021-06-07T09:04:11","slug":"5-choses-a-savoir-sur-la-soulte-dun-bien-immobilier","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/5-choses-a-savoir-sur-la-soulte-dun-bien-immobilier.html","title":{"rendered":"5 choses \u00e0 savoir sur la soulte d\u2019un bien immobilier"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">La soulte d\u2019un bien immobilier signifie la valeur de la part du bien immobilier \u00e0 c\u00e9der ou racheter. Un rachat de soulte consiste donc \u00e0 racheter la part du conjoint en cas de divorce ou celles des autres h\u00e9ritiers en cas de succession. Elle doit faire l\u2019objet d\u2019un acte de partage chez le notaire.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">C\u2019est le prix \u00e0 payer pour conserver la pleine possession d\u2019un bien<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour un rachat de soulte, il est <strong>n\u00e9cessaire de passer par la case notaire<\/strong>. C\u2019est lui qui d\u00e9termine le montant de la part que le conjoint, en cas de divorce, ou l\u2019h\u00e9ritier, en cas de succession, devra payer pour devenir propri\u00e9taire \u00e0 part enti\u00e8re d\u2019un bien immobilier en indivision.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Une formule pr\u00e9cise pour calculer le montant<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La soulte d\u00e9pend de la somme qu\u2019il reste \u00e0 rembourser sur le bien immobilier. Elle n\u00e9cessite donc <strong>le tableau d\u2019amortissement du pr\u00eat immobilier en cours<\/strong>. C\u2019est le notaire ou un professionnel de l\u2019immobilier qui effectue le calcul. Toutefois, il est possible de l\u2019estimer soi-m\u00eame en appliquant la formule suivante&nbsp;: <\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Soulte = (valeur du bien &#8211; montant du capital restant d\u00fb) \/ 2.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Exemple pour un bien de 250 000 euros avec un capital restant d\u00fb de 100 000 euros : <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">(250&nbsp;000-100&nbsp;000) \/ 2 = 75&nbsp;000\u20ac. En principe, le conjoint souhaitant conserver le bien en pleine propri\u00e9t\u00e9 devra verser \u00e0 l\u2019autre une soulte de 75&nbsp;000\u20ac et prendre en charge le remboursement des 100 000 euros restants. Toutefois d\u2019autres param\u00e8tres entrent en ligne de compte&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>la r\u00e9partition de chaque part (50\/50, 60\/40, 70\/30, etc.)&nbsp;;<\/li><li>l\u2019existence ou non d\u2019un ou plusieurs cr\u00e9dits immobiliers&nbsp;;<\/li><li>l\u2019apport en num\u00e9raire effectu\u00e9 par chacun.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Une formule diff\u00e9rente pour la succession<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u00e0 encore, <strong>la soulte d\u00e9pend de la valeur du bien et du nombre d\u2019h\u00e9ritiers<\/strong>. Elle peut \u00eatre d\u00e9termin\u00e9e par un notaire ou un agent immobilier qui sera charg\u00e9 d\u2019\u00e9valuer la valeur du bien en fonction du march\u00e9 immobilier actuel. Les h\u00e9ritiers peuvent \u00e9galement se mettre d\u2019accord sur le montant. La formule appliqu\u00e9e correspond \u00e0 la valeur de la part multipli\u00e9e par le nombre de parts. Par exemple, trois h\u00e9ritiers h\u00e9ritent d\u2019un bien d\u2019une valeur de 600&nbsp;000\u20ac. Il n\u2019y a aucun cr\u00e9dit immobilier en cours et l&rsquo;un deux souhaite \u00eatre plein propri\u00e9taire du bien. voici le calcul \u00e0 effectuer pour conna\u00eetre le montant de la soulte :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Valeur de chaque part&nbsp;: 600&nbsp;000\u20ac \/ 3 = 200&nbsp;000\u20ac<\/li><li>Valeur de la soulte&nbsp;: 2X 200&nbsp;000\u20ac= 400&nbsp;000\u20ac.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Un cr\u00e9dit immobilier peut financer la soulte<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Il est tout \u00e0 fait possible de souscrire un cr\u00e9dit aux m\u00eames conditions qu\u2019un <a href=\"https:\/\/www.acecredit.fr\/fr\/vos-questions.html\">pr\u00eat immobilier<\/a> classique. En cas de pr\u00eat en cours, la banque proposera \u00e0 l\u2019emprunteur <strong>d\u2019int\u00e9grer le solde restant d\u00fb dans le nouveau pr\u00eat servant \u00e0 racheter la soulte<\/strong> \u00e0 condition que sa capacit\u00e9 d\u2019emprunt le lui permette. Il faudra donc pr\u00e9voir le cas \u00e9ch\u00e9ant des frais de remboursement anticip\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Des frais \u00e0 pr\u00e9voir en plus<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Le rachat d\u2019une soulte implique des frais<\/strong> inh\u00e9rents \u00e0 tout achat immobilier&nbsp;: les frais de notaire (entre 7 et 8% de la valeur de la soulte \u00e0 r\u00e9partir entre les conjoints ou les h\u00e9ritiers), les frais du pr\u00eat immobilier (les p\u00e9nalit\u00e9s de remboursement anticip\u00e9, les frais de dossier, les frais de garantie, l\u2019assurance de pr\u00eat) et les frais du droit de partage (1,80% depuis le 1er janvier 2021).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La soulte d\u2019un bien immobilier signifie la valeur de la part du bien immobilier \u00e0 c\u00e9der ou racheter. Un rachat de soulte consiste donc \u00e0 racheter la [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":5646,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5636","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>5 choses \u00e0 savoir sur la soulte d\u2019un bien immobilier - 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\/5-choses-a-savoir-sur-la-soulte-dun-bien-immobilier.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 choses \u00e0 savoir sur la soulte d\u2019un bien immobilier - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"La soulte d\u2019un bien immobilier signifie la valeur de la part du bien immobilier \u00e0 c\u00e9der ou racheter. 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