{"id":6673,"date":"2022-07-29T08:57:00","date_gmt":"2022-07-29T06:57:00","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2022-07-27T13:56:17","modified_gmt":"2022-07-27T11:56:17","slug":"proprietaires-bailleurs-attention-aux-impayes-de-loyers","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/proprietaires-bailleurs-attention-aux-impayes-de-loyers.html","title":{"rendered":"Propri\u00e9taires bailleurs\u00a0: attention aux impay\u00e9s de loyers"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Les loyers impay\u00e9s sont un probl\u00e8me majeur en France. Le nombre de demandes re\u00e7ues par l\u2019Agence d\u00e9partementale de l\u2019information pour le logement (Adil) en raison d\u2019impay\u00e9s de loyers a progress\u00e9 depuis 2019.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Les impay\u00e9s de loyers progressent<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En 2021, l\u2019Agence nationale pour l\u2019information sur le logement (Anil) r\u00e9v\u00e8le avoir trait\u00e9 plus de <strong>50\u2009000 dossiers pour le non versement de loyers, soit 6 % de plus qu\u2019en 2019<\/strong>. La proportion des m\u00e9nages qui ont consult\u00e9 une section d\u00e9partementale de l\u2019Anil en raison d\u2019impay\u00e9s de loyer a augment\u00e9 suite \u00e0 la pand\u00e9mie de 2020. Parmi les particuliers qui font appel \u00e0 cet organisme, de plus en plus de propri\u00e9taires pr\u00e9caires qui ne sont pas couverts contre les d\u00e9fauts de paiement. Comme l\u2019explique l\u2019Anil dans un rapport publi\u00e9 le 23 juin 2022, la crise sanitaire a non seulement contribu\u00e9 \u00e0 une plus grande pr\u00e9carisation des m\u00e9nages fragiles habitu\u00e9s du r\u00e9seau, mais a \u00e9galement touch\u00e9 de nouveaux publics, moins habitu\u00e9s \u00e0 fr\u00e9quenter les sections d\u00e9partementales (Adil). Il s\u2019agit notamment des auto-entrepreneurs ou des commer\u00e7ants, pr\u00e9cise l\u2019agence nationale.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>17 % des propri\u00e9taires bailleurs touchent les minima sociaux<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Autre constat du rapport \u00e9mis par l\u2019Adil : les m\u00e9nages qui sollicitent l\u2019agence pour des impay\u00e9s sont aussi plus pr\u00e9caires que pr\u00e9c\u00e9demment. En 2021, un particulier sur quatre (26 %) ayant contact\u00e9 une Adil \u00e9tait b\u00e9n\u00e9ficiaire des minima sociaux. Pour rappel, ce chiffre \u00e9tait de 22 % en 2020. \u00ab\u2009<em>On observe l\u2019ann\u00e9e derni\u00e8re une plus grande pr\u00e9carisation de l\u2019ensemble des publics\u2009<\/em>\u00bb, souligne l\u2019organisme dans son rapport sur les loyers impay\u00e9s en ajoutant que \u00ab\u2009<em>le nombre de m\u00e9nages b\u00e9n\u00e9ficiaires des minima sociaux progresse pour chacun des statuts d\u2019occupation\u2009<\/em>\u00bb. <strong>17 % des bailleurs per\u00e7oivent des minima sociaux, notamment le minimum vieillesse.<\/strong> En effet, plus d\u2019un tiers des propri\u00e9taires qui consultent l\u2019Anil pour un impay\u00e9 ou un retard de loyer ont plus de 60 ans. Pour les retrait\u00e9s propri\u00e9taires d\u2019un ou de plusieurs biens, la perception d\u2019un revenu locatif est un compl\u00e9ment indispensable \u00e0 une faible pension de retraite.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Les dispositifs de garanties pour couvrir les loyers impay\u00e9s<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les bailleurs priv\u00e9s touch\u00e9s par des probl\u00e8mes d\u2019impay\u00e9s fonctionnent davantage \u00e0 \u00ab\u2009la confiance\u2009\u00bb qu\u2019aux \u00ab\u2009dispositifs de garanties\u2009\u00bb, analysent les conseillers en \u00e9conomie sociale familiale (CESF) audit\u00e9s par l\u2019Anil pour son \u00e9tude. Pourtant, il existe un dispositif de couverture : <strong>la garantie Visale<\/strong>. Cette derni\u00e8re est gratuite et s\u2019adresse aux locataires \u00e2g\u00e9s de 18 \u00e0 30 ans ou toute personne salari\u00e9s touchant jusqu\u2019\u00e0 1\u2009500 euros par mois.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La garantie Visale permet de couvrir jusqu\u2019\u00e0 1\u2009300 euros de loyers (1\u2009500 euros pour la r\u00e9gion \u00cele-de-France) dans la limite de 36 mensualit\u00e9s impay\u00e9es. Autre alternative face aux impay\u00e9s de loyers : le bailleur priv\u00e9 peut \u00e9galement <strong>contracter une assurance, \u00e0 ses frais, ou demander une caution \u00e0 son locataire.&nbsp;<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les loyers impay\u00e9s sont un probl\u00e8me majeur en France. Le nombre de demandes re\u00e7ues par l\u2019Agence d\u00e9partementale de l\u2019information pour le logement (Adil) en raison d\u2019impay\u00e9s de [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":5223,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6673","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>Propri\u00e9taires bailleurs\u00a0: attention aux impay\u00e9s de loyers - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Les impay\u00e9s de loyers poussent de plus en plus de bailleurs dans la pr\u00e9carit\u00e9 selon l\u2019Agence pour l\u2019information sur le logement (ADIL).\" \/>\n<meta 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