{"id":6215,"date":"2022-01-24T16:59:15","date_gmt":"2022-01-24T15:59:15","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2022-01-24T16:59:17","modified_gmt":"2022-01-24T15:59:17","slug":"les-dispositifs-daide-a-linvestissement-locatif","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/les-dispositifs-daide-a-linvestissement-locatif.html","title":{"rendered":"Les dispositifs d\u2019aide \u00e0 l\u2019investissement locatif"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u00c0 la recherche d\u2019un bien \u00e0 acheter pour r\u00e9aliser un investissement locatif\u00a0? Il existe des aides \u00e0 l\u2019investissement. Quel que soit le projet, dans l\u2019ancien ou le neuf, il est possible de b\u00e9n\u00e9ficier d\u2019avantages fiscaux sous conditions. Retour en d\u00e9tail sur les principaux dispositifs d\u2019<a href=\"https:\/\/www.acecredit.fr\/fr\/pourquoi-investir-dans-l-ancien.html\">aides \u00e0 l\u2019investissement locatif<\/a>.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Le dispositif Cosse<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ce dispositif est plus connu sous le nom de<a href=\"https:\/\/www.economie.gouv.fr\/cedef\/dispositif-cosse-louer-abordable\"> \u00ab\u2009Louer abordable\u2009\u00bb<\/a>. Il permet aux propri\u00e9taires bailleurs de b\u00e9n\u00e9ficier d\u2019un <strong>abattement fiscal de 15 % \u00e0 85 % sur leurs revenus locatifs<\/strong> sous r\u00e9serve de louer leur logement \u00e0 un niveau de loyer abordable. Cette aide fiscale est assujettie \u00e0 la signature d\u2019un contrat avec l\u2019agence nationale de l\u2019habitat (ANAH) qui mentionne les conditions sp\u00e9cifiques de location du bien.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019avantage fiscal s\u2019applique selon les termes du contrat pour une dur\u00e9e de 6 ou 9 ans en g\u00e9n\u00e9ral.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Le dispositif Pinel<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dans le cadre d\u2019un investissement locatif, le dispositif Pinel permet de b\u00e9n\u00e9ficier d\u2019une r\u00e9duction fiscale. Le montant de la r\u00e9duction d\u2019imp\u00f4t se base sur le prix des logements neufs ou r\u00e9habilit\u00e9s (dans le but d\u2019afficher les performances techniques du neuf). Le dispositif Pinel s\u2019applique dans des zones dites tendues o\u00f9 il existe un d\u00e9s\u00e9quilibre important entre l\u2019offre et la demande de logements locatifs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Le taux de la remise varie selon la dur\u00e9e de l\u2019engagement de location<\/strong>. Le dispositif Pinel concerne les investissements locatifs r\u00e9alis\u00e9s entre d\u00e9but septembre 2014 et le 31 d\u00e9cembre 2022. \u00c0 partir de 2023, il devient Super Pinel.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Le dispositif Denormandie<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le dispositif Denormandie s\u2019applique pour un investissement locatif dans l\u2019ancien. Cette r\u00e9duction fiscale est accord\u00e9e aux particuliers achetant un logement \u00e0 r\u00e9nover pour le mettre en location. Plafonn\u00e9e \u00e0 un investissement de 300\u2009000 \u20ac, cette d\u00e9duction d\u2019imp\u00f4t est calcul\u00e9e en appliquant <strong>un taux (entre 12 et 21 %) au prix de revient net du logement.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le dispositif concerne les biens situ\u00e9s dans des zones g\u00e9ographiques sp\u00e9cifiques avec des besoins de r\u00e9novation de l\u2019habitat en centre-ville. Sont \u00e9ligibles donc les communes qui ont sign\u00e9 l\u2019accord de revitalisation du territoire ainsi que 222 villes concern\u00e9es par le plan national\u2009Action c\u0153ur de ville.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Cumul des aides \u00e0 l\u2019investissement locatif<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le dispositif Pinel ne s\u2019applique pas aux m\u00eames op\u00e9rations immobili\u00e8res que le dispositif Denormandie. En effet, il vise l\u2019acquisition de logements neufs ou assimil\u00e9s et r\u00e9pond \u00e0 un zonage particulier. Aussi, <strong>ces dispositifs ne peuvent se cumuler<\/strong>. De la m\u00eame fa\u00e7on, un investisseur loueur ne peut cumuler le dispositif Cosse avec les dispositifs Pinel et Denormandie. Il devra donc choisir le dispositif d\u2019aide fiscale dont il veut profiter.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour r\u00e9aliser un investissement et obtenir le meilleur financement, il est conseill\u00e9 de faire appel \u00e0 un courtier expert en cr\u00e9dit immobilier. Ce dernier saura orienter l\u2019emprunteur vers l\u2019\u00e9tablissement le plus \u00e0 m\u00eame de le financer aux meilleures conditions.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00c0 la recherche d\u2019un bien \u00e0 acheter pour r\u00e9aliser un investissement locatif\u00a0? Il existe des aides \u00e0 l\u2019investissement. Quel que soit le projet, dans l\u2019ancien ou le [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":6220,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6215","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>Les dispositifs d\u2019aide \u00e0 l\u2019investissement locatif - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Investir dans l\u2019immobilier et b\u00e9n\u00e9ficier d\u2019avantages fiscaux est possible. 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