{"id":5773,"date":"2021-07-30T09:02:00","date_gmt":"2021-07-30T07:02:00","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2021-08-12T16:19:12","modified_gmt":"2021-08-12T14:19:12","slug":"voici-pourquoi-vous-devez-investir-dans-limmobilier-locatif","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/voici-pourquoi-vous-devez-investir-dans-limmobilier-locatif.html","title":{"rendered":"Voici pourquoi vous devez investir dans l&rsquo;immobilier locatif"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">La pierre reste une valeur refuge, d\u2019autant plus en temps de crise, qu\u2019il s\u2019agisse de l\u2019acquisition de sa r\u00e9sidence principale ou secondaire. L\u2019investissement locatif est aussi une mani\u00e8re plut\u00f4t s\u00e9curis\u00e9e de placer son argent. Voici pourquoi c\u2019est le moment d\u2019investir dans le locatif.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Une rentabilit\u00e9 brute de 3 \u00e0 8&nbsp;%<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Investir dans un bien immobilier destin\u00e9 \u00e0 la location est int\u00e9ressant pour g\u00e9n\u00e9rer des revenus imm\u00e9diatement. Il est possible d\u2019opter pour le statut de loueur de meubl\u00e9s non professionnel (LMNP) et conclure un bail commercial avec un gestionnaire de biens. Ainsi, les loyers sont garantis avec <strong>une rentabilit\u00e9 brute comprise entre 3 et 8&nbsp;%<\/strong>. De plus, le gestionnaire s\u2019occupe de tout&nbsp;: trouver des locataires, g\u00e9rer les entr\u00e9es et sorties, percevoir les loyers\u2026<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Un r\u00e9gime fiscal int\u00e9ressant&nbsp;: loueur de meubl\u00e9<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le statut LMNP est \u00e9galement int\u00e9ressant au niveau fiscal&nbsp;: les revenus locatifs sont, dans ce cas, d\u00e9clar\u00e9s comme b\u00e9n\u00e9fices industriels et commerciaux (BIC) sur l\u2019imp\u00f4t sur le revenu. Pour cela, ils ne doivent pas d\u00e9passer 23&nbsp;000&nbsp;\u20ac par an. Concernant les charges, le r\u00e9gime r\u00e9el permet d\u2019en d\u00e9duire l\u2019int\u00e9gralit\u00e9, alors que le r\u00e9gime micro-BIC consiste en un <strong>abattement forfaitaire de 50&nbsp;%.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Des conditions d\u2019emprunt toujours avantageuses<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Investir dans l\u2019immobilier locatif n\u00e9cessite souvent de recourir \u00e0 un pr\u00eat. Or, <strong><a href=\"https:\/\/www.acecredit.fr\/fr\/barometres-taux.html\">les taux sont toujours historiquement bas<\/a> <\/strong>(autour de 1,10\u00a0% sur 20 ans, selon notre barom\u00e8tre des taux). De plus, depuis le 1er janvier 2021, il est possible de voir son taux d\u2019endettement atteindre 35\u00a0% (au lieu de 33\u00a0% auparavant), assurance de pr\u00eat comprise.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Un march\u00e9 immobilier \u00e9pargn\u00e9 par la crise<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si les transactions immobili\u00e8res ont \u00e9t\u00e9 fortement frein\u00e9es par les confinements successifs, elles ont repris un niveau presque normal ensuite (+6% par rapport au premier semestre 2019, selon Century 21). Le faible co\u00fbt du cr\u00e9dit soutient des <strong>rendements locatifs int\u00e9ressants<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pinel, un dispositif de d\u00e9fiscalisation appel\u00e9 \u00e0 dispara\u00eetre<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019\u00c9tat a mis en place de nombreux dispositifs pour inciter \u00e0 l\u2019investissement locatif. Parmi eux, le plus connu est la loi Pinel. Sa fin \u00e9tait pr\u00e9vue en 2021, il a \u00e9t\u00e9 prolong\u00e9 jusqu\u2019en 2024, mais avec des avantages fiscaux moindres. La <strong>r\u00e9duction d\u2019imp\u00f4t<\/strong>, jusqu\u2019ici comprise entre 12 et 21&nbsp;% selon la dur\u00e9e, perdra ainsi entre 2 et 3 points en 2023 et en 2024. C\u2019est donc le moment id\u00e9al pour investir et b\u00e9n\u00e9ficier encore des avantages offerts par la Loi Pinel&nbsp;!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La pierre reste une valeur refuge, d\u2019autant plus en temps de crise, qu\u2019il s\u2019agisse de l\u2019acquisition de sa r\u00e9sidence principale ou secondaire. L\u2019investissement locatif est aussi une [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":5521,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5773","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>Voici pourquoi vous devez investir dans l&#039;immobilier locatif - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Malgr\u00e9 la crise, l&#039;investissement locatif reste int\u00e9ressant. 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