{"id":5764,"date":"2021-07-27T08:25:00","date_gmt":"2021-07-27T06:25:00","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2021-08-12T16:15:53","modified_gmt":"2021-08-12T14:15:53","slug":"4-conseils-pour-reussir-son-investissement-locatif","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/4-conseils-pour-reussir-son-investissement-locatif.html","title":{"rendered":"4 conseils pour r\u00e9ussir son investissement locatif"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Une \u00e9tude Poll&amp;Roll pour Masteos au printemps dernier rappelait que l\u2019investissement locatif demeure le placement pr\u00e9f\u00e9r\u00e9 des Fran\u00e7ais. La confiance dans la pierre n\u2019a pas diminu\u00e9 avec la crise sanitaire, c\u2019est m\u00eame tout l\u2019inverse\u00a0! N\u00e9anmoins, la r\u00e9ussite d\u2019un investissement locatif n\u2019est pas automatique\u00a0: elle se mesure par la rentabilit\u00e9 et l\u2019\u00e9ventuelle plus-value \u00e0 la revente. Quelques conseils pour <a href=\"https:\/\/www.acecredit.fr\/fr\/pourquoi-investir-dans-l-ancien.html\">r\u00e9ussir son investissement locatif<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. D\u00e9finir son budget<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le budget d\u00e9termine le type d\u2019investissement locatif (logement, bureaux, local commercial, etc.). S\u2019il est r\u00e9duit, il est conseill\u00e9 de commencer par un logement de petite surface mais dans une grande ville, o\u00f9 la demande locative est plus forte. Investir dans l\u2019ancien co\u00fbte moins cher mais dans le neuf, le bailleur profitera d\u2019abattements fiscaux sp\u00e9cifiques comme le dispositif Pinel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>L\u2019emplacement du bien est un crit\u00e8re important<\/strong>. Si l\u2019investissement est destin\u00e9 plut\u00f4t \u00e0 un \u00e9tudiant ou un jeune couple, la proximit\u00e9 des transports est primordiale. Une famille a contrario privil\u00e9giera la proximit\u00e9 des commerces et des \u00e9coles. Les \u00e9ventuels travaux de r\u00e9novation ne doivent pas constituer un frein, ils font l\u2019objet d\u2019une d\u00e9duction fiscale (d\u00e9ficit foncier) et d\u2019aides (MaPrimeR\u00e9nov\u2019, C2E, etc.).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Calculer le rendement locatif<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le rendement locatif d\u00e9pend de la demande, des p\u00e9riodes de vacance et des charges de copropri\u00e9t\u00e9 dont une partie est toutefois \u00e0 la charge du locataire. Il se calcule en multipliant le loyer par 12 puis ce r\u00e9sultat par 10. La somme obtenue est divis\u00e9e par le prix d\u2019acquisition du bien. Par exemple un T2 de 30m2 achet\u00e9 95.000\u20ac et lou\u00e9 560\u20ac charges comprises aura une rentabilit\u00e9 brute de 7%. En g\u00e9n\u00e9ral dans une grande ville, le taux de rendement tourne <strong>autour de 6 \u00e0 7%<\/strong>. Il peut \u00eatre optimis\u00e9 en baissant ses imp\u00f4ts (location meubl\u00e9e par exemple), en augmentant la dur\u00e9e de r\u00e9tention des locataires par des travaux d\u2019am\u00e9lioration ou encore en revalorisant r\u00e9guli\u00e8rement le loyer selon l\u2019indice de r\u00e9f\u00e9rence publi\u00e9 chaque ann\u00e9e par l\u2019Insee.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. Trouver le meilleur cr\u00e9dit immobilier<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est l\u2019aspect le plus int\u00e9ressant de la pierre comme placement financier&nbsp;: la possibilit\u00e9 d\u2019investir \u00e0 cr\u00e9dit. La bonne formule est d\u2019emprunter sur une dur\u00e9e plut\u00f4t longue en regard des b\u00e9n\u00e9fices g\u00e9n\u00e9r\u00e9s (minimum 15 ans), m\u00eame si le taux de cr\u00e9dit immobilier est l\u00e9g\u00e8rement plus important, et de r\u00e9duire au maximum son apport financier. Pour obtenir les meilleures conditions d\u2019emprunt, l\u2019investisseur a int\u00e9r\u00eat \u00e0 comparer plusieurs offres ou \u00e0 <strong>confier sa recherche de financement \u00e0 un courtier en cr\u00e9dit immobilier<\/strong>. Il est \u00e9galement conseill\u00e9 de faire jouer la concurrence en mati\u00e8re d\u2019assurance emprunteur.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. Choisir le r\u00e9gime fiscal le plus avantageux<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dans le neuf ou l\u2019ancien, <strong>le statut LMNP<\/strong> (Loueur en meubl\u00e9 non professionnel) conf\u00e8re des avantages fiscaux int\u00e9ressants&nbsp;: d\u00e9duction des charges locatives, r\u00e9cup\u00e9ration de la TVA, amortissement du bien sur le long terme\u2026Dans le neuf, <strong>le dispositif Pinel<\/strong> permet d\u2019obtenir des abattements fiscaux dont le montant d\u00e9pend de l\u2019engagement locatif (12, 18 et 21% pendant 6, 9 ou 12 ans) et de la situation g\u00e9ographique du bien.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Une \u00e9tude Poll&amp;Roll pour Masteos au printemps dernier rappelait que l\u2019investissement locatif demeure le placement pr\u00e9f\u00e9r\u00e9 des Fran\u00e7ais. La confiance dans la pierre n\u2019a pas diminu\u00e9 avec [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":5545,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5764","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>4 conseils pour r\u00e9ussir son investissement locatif - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"La r\u00e9ussite d\u2019un investissement locatif d\u00e9pend de nombreux param\u00e8tres comme le type de bien, sa localisation, le rendement locatif ou l\u2019optimisation fiscale.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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