{"id":6628,"date":"2022-07-09T09:05:00","date_gmt":"2022-07-09T07:05:00","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2022-07-05T09:54:22","modified_gmt":"2022-07-05T07:54:22","slug":"investissement-locatif-acheter-un-logement-etudiant-plutot-que-louer","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/investissement-locatif-acheter-un-logement-etudiant-plutot-que-louer.html","title":{"rendered":"Investissement locatif : acheter un logement \u00e9tudiant plut\u00f4t que louer"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">L\u2019achat d\u2019un logement \u00e9tudiant peut s\u2019av\u00e9rer plus \u00e9conomique que la location dans certains cas. Voici le palmar\u00e8s des villes o\u00f9 il est plus rentable de r\u00e9aliser un investissement locatif.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Il est plus int\u00e9ressant d\u2019acqu\u00e9rir un bien que de le louer<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si la question de l\u2019achat se pose apr\u00e8s avoir d\u00e9croch\u00e9 un premier emploi, il peut \u00eatre int\u00e9ressant de s\u2019interroger lorsque les enfants poursuivent leurs \u00e9tudes. En d\u00e9pit des frais d\u2019acquisition, l\u2019achat peut se r\u00e9v\u00e9ler plus int\u00e9ressant que la location. Il faut n\u00e9anmoins \u00e9galement consid\u00e9rer la dur\u00e9e des \u00e9tudes, la ville ainsi que la situation financi\u00e8re des parents. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Toutefois, dans la majorit\u00e9 des cas, <strong>acheter un studio peut \u00eatre moins on\u00e9reux que de louer <\/strong>un bien similaire. C\u2019est la conclusion d\u2019une \u00e9tude men\u00e9e par l\u2019observatoire des loyers de Clameur et bas\u00e9e sur les chiffres de la FNAIM.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c0 Saint-\u00c9tienne, mieux vaut faire un investissement locatif que louer<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le r\u00e9seau immobilier a compar\u00e9 dans 30 villes \u00e9tudiantes fran\u00e7aises le loyer moyen d\u2019un studio de 25 m\u00e8tres carr\u00e9s \u00e0 la mensualit\u00e9 moyenne n\u00e9cessaire pour acheter un bien similaire. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">R\u00e9sultat : dans 4 communes, il est moins cher de rembourser une mensualit\u00e9 que de payer un loyer. C\u2019est le cas<strong> <a href=\"https:\/\/www.acecredit.fr\/courtier-credit-immobilier-agence-saint-etienne.html\">\u00e0 Saint-\u00c9tienne<\/a>, \u00e0 Limoges, \u00e0 Valenciennes et \u00e0 Nancy<\/strong>, avec une diff\u00e9rence qui va de -30 % \u00e0 1 %, selon les chiffres de la FNAIM.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans 10 autres communes comme Orl\u00e9ans, Brest, Poitiers ou encore Metz et Besan\u00e7on, la mensualit\u00e9 de cr\u00e9dit est l\u00e9g\u00e8rement sup\u00e9rieure aux loyers moyens pratiqu\u00e9s (de 10 % ou moins).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Rendement locatif conditionn\u00e9<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Dans certaines villes, les frais fixes sont amortis au bout de trois ann\u00e9es<\/strong>, voire moins. Dans certains cas, il est m\u00eame possible que l\u2019acqu\u00e9reur r\u00e9alise une plus-value si les prix de l\u2019immobilier ne chutent pas. En retenant l\u2019hypoth\u00e8se de stabilit\u00e9 des prix de l\u2019immobilier, il est financi\u00e8rement int\u00e9ressant d\u2019acheter plut\u00f4t que de louer un 25 m\u00e8tres carr\u00e9 dans 27 des 30 villes \u00e9tudiantes du classement si le bien est occup\u00e9 durant 5 ann\u00e9es.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour investir dans un logement \u00e9tudiant, il est recommand\u00e9 de regarder l\u2019\u00e9tiquette \u00e9nergie du bien. En effet, la location des biens tr\u00e8s \u00e9nergivores sera interdite progressivement d\u00e8s 2023. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Suivant la ville o\u00f9 son enfant part \u00e9tudier, il peut \u00eatre plus rentable d\u2019acheter que de verser un loyer. Cela implique toutefois de pouvoir d\u00e9crocher un cr\u00e9dit immobilier, c\u2019est-\u00e0-dire de <strong>disposer d\u2019une capacit\u00e9 d\u2019emprunt et d\u2019un apport personnel suffisant<\/strong>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019investissement locatif permet de se constituer un patrimoine et \u00e0 terme d\u2019obtenir une source de revenus suppl\u00e9mentaires. \u00c0 noter que des m\u00e9nages fortement impos\u00e9s peuvent faire appel aux <strong>dispositifs de d\u00e9fiscalisation immobili\u00e8re comme le Pinel ou le Denormandie<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019achat d\u2019un logement \u00e9tudiant peut s\u2019av\u00e9rer plus \u00e9conomique que la location dans certains cas. Voici le palmar\u00e8s des villes o\u00f9 il est plus rentable de r\u00e9aliser un [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":5738,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6628","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>Investissement locatif : acheter un logement \u00e9tudiant plut\u00f4t que louer - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Investissement locatif, est-il plus rentable d\u2019acheter un logement que de louer ? 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