{"id":7468,"date":"2023-05-03T17:11:02","date_gmt":"2023-05-03T15:11:02","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2023-05-03T17:11:03","modified_gmt":"2023-05-03T15:11:03","slug":"investissement-locatif-bientot-la-fin-des-blocages","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/investissement-locatif-bientot-la-fin-des-blocages.html","title":{"rendered":"Investissement locatif : bient\u00f4t la fin des blocages\u2009?\u00a0"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Des mesures pour stimuler le march\u00e9 immobilier locatif et desserrer l\u2019\u00e9tau sur les investisseurs\u2009? C\u2019est ce que pr\u00e9conisent certains experts du secteur \u00e0 l\u2019instar de Sophie Saraga, enseignante \u00e0 l\u2019ESPI et \u00e0 l\u2019EFAB.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Un parc immobilier contraint<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Face \u00e0 l\u2019inflation et \u00e0 une tendance baissi\u00e8re du march\u00e9 immobilier, les professionnels font grise mine. Entre la remont\u00e9e des taux de cr\u00e9dit et un acc\u00e8s \u00e0 l\u2019emprunt rendu difficile, en partie par le resserrement des crit\u00e8res d\u2019octroi de cr\u00e9dit impos\u00e9 par le Haut Conseil en stabilit\u00e9 financi\u00e8re (HCSF) en 2022, les indicateurs sont dans le rouge. Une situation d\u2019autant plus complexe que la loi Climat et R\u00e9silience de 2021 impose des mesures drastiques dans le but d\u2019op\u00e9rer une transition \u00e9nerg\u00e9tique, avec :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>un nouveau diagnostic de performance \u00e9nerg\u00e9tique (DPE) plus efficace qui tient compte notamment des \u00e9missions de gaz \u00e0 effet de serre (GES)\u2009;<\/li>\n\n\n\n<li>un audit \u00e9nerg\u00e9tique devenu obligatoire depuis le 1<sup>er<\/sup> avril 2023 pour les propri\u00e9taires qui souhaitent louer ou vendre\u2009;<\/li>\n\n\n\n<li>une interdiction progressive de louer les passoires thermiques qui contraint les bailleurs \u00e0 la r\u00e9novation \u00e9nerg\u00e9tique de leur(s) bien(s).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Cons\u00e9quences\u2009? Au-del\u00e0 de l\u2019am\u00e9lioration de la performance \u00e9nerg\u00e9tique du parc, l\u2019acc\u00e8s des locataires est en train de se r\u00e9duire, faute d\u2019offre. Une \u00e9tude SeLoger du 12 d\u00e9cembre 2022 fait d\u2019ailleurs \u00e9tat d\u2019une <strong>offre locative qui chute \u00e0 des niveaux historiques.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Lib\u00e9rer les investisseurs locatifs<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dans ce contexte, les investisseurs doivent \u00eatre arm\u00e9s pour parvenir \u00e0 concr\u00e9tiser leurs projets immobiliers. Dans une tribune du m\u00e9dia Capital, Sophie Saraga, experte du secteur immobilier, en appelle \u00e0 <strong>lever les obstacles pour les investisseurs<\/strong>. Et pour cause, l\u2019ensemble de la cha\u00eene est bloqu\u00e9 du c\u00f4t\u00e9 des investisseurs locatifs avec :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>un acc\u00e8s au cr\u00e9dit\u2009plus restreint ;<\/li>\n\n\n\n<li>un march\u00e9 locatif viss\u00e9 par l\u2019agenda de r\u00e9novation \u00e9nerg\u00e9tique.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Tout est \u00e0 ajuster, \u00e0 inventer, et l\u2019industrie tente de trouver des solutions : mutualiser avec l\u2019habitat participatif, construire un habitat meuble \u00e0 bas carbone, etc. Certains promoteurs se sp\u00e9cialisent d\u2019ailleurs dans la r\u00e9habilitation de quartier d\u00e9saffect\u00e9, voire insalubre afin de r\u00e9\u00e9quilibrer les territoires. Des projets qui permettent de redynamiser les centres-villes avec le programme \u00ab\u2009Action c\u0153ur de ville\u2009\u00bb et des dispositifs fiscaux comme la Loi Malraux. Mais avec la contrainte du calendrier \u00e9cologique, ces projets deviennent difficiles, voire impossibles \u00e0 r\u00e9aliser.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Soutenir l\u2019investissement<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour retrouver un nouveau souffle, il est urgent de rassurer les porteurs de projets. Le gouvernement pr\u00e9voit d\u2019ailleurs de <strong>faciliter l\u2019acc\u00e8s aux cr\u00e9dits immobilier <\/strong>pour que le march\u00e9 retrouve sa dynamique, notamment celui de la location. Enfin, pour accompagner un investissement locatif, il est vivement recommand\u00e9 de faire appel \u00e0 un courtier en cr\u00e9dit immobilier. Son r\u00e9seau de partenaires et son expertise font de ce professionnel le meilleur atout des futurs acc\u00e9dants \u00e0 la propri\u00e9t\u00e9 et des investisseurs immobiliers.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Des mesures pour stimuler le march\u00e9 immobilier locatif et desserrer l\u2019\u00e9tau sur les investisseurs\u2009? C\u2019est ce que pr\u00e9conisent certains experts du secteur \u00e0 l\u2019instar de Sophie Saraga, [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":7477,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7468","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 : bient\u00f4t la fin des blocages\u2009?\u00a0 - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Desserrer l\u2019\u00e9tau qui freine l\u2019investissement locatif\u2009? 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