{"id":11234,"date":"2020-09-07T05:53:33","date_gmt":"2020-09-07T05:53:33","guid":{"rendered":"https:\/\/www.gridky.com\/blog\/?p=11234"},"modified":"2020-09-07T05:53:33","modified_gmt":"2020-09-07T05:53:33","slug":"comment-faire-une-simulation-pinel","status":"publish","type":"post","link":"https:\/\/www.gridky.com\/blog\/comment-faire-une-simulation-pinel\/","title":{"rendered":"Comment faire une simulation Pinel ?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Investir dans l\u2019immobilier ne s\u2019improvise pas. Il est indispensable de comprendre les rouages d\u2019une telle op\u00e9ration, notamment les impacts en termes de fiscalit\u00e9, de charges et de cr\u00e9dit. Alors, <\/span><b>comment faire une simulation <a href=\"https:\/\/www.gridky.com\/loi-pinel\">Pinel<\/a><\/b><span style=\"font-weight: 400;\"> pour avoir une meilleure id\u00e9e du projet et quels sont les param\u00e8tres \u00e0 prendre en compte ?<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Pourquoi effectuer une simulation d\u2019investissement en loi Pinel ?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Avant de se lancer dans un investissement immobilier locatif en Pinel, il est important de bien \u00e9tudier votre projet. Co\u00fbt global de l\u2019op\u00e9ration, diff\u00e9rentes charges \u00e0 assumer, anticipation des mensualit\u00e9s de cr\u00e9dit \u00e0 venir et des loyers \u00e0 encaisser : tous ces points doivent \u00eatre pris en consid\u00e9ration. C\u2019est pourquoi effectuer une simulation d\u2019investissement en loi Pinel est primordial. Cela vous permettra \u00e9galement de d\u00e9terminer la rentabilit\u00e9 de votre projet et de valider ou non l\u2019achat d\u2019un bien immobilier que vous destinez \u00e0 la location.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Quels sont les param\u00e8tres \u00e0 prendre en compte pour effectuer une simulation Pinel ?<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">Les donn\u00e9es li\u00e9es au bien<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Plusieurs \u00e9l\u00e9ments sont \u00e0 prendre en compte :<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">la zone du bien (A, A bis et B1) ;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">le co\u00fbt du bien ;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">la surface du bien ainsi que ses annexes ;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">le prix au m\u00e8tre carr\u00e9 : il est plafonn\u00e9 \u00e0 5 500 \u20ac le m\u00e8tre carr\u00e9 ;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">le loyer du bien en tenant compte des plafonds ;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">la date de livraison ;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">la composition des surfaces annexes ;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">les diff\u00e9rents frais de gestion ;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">les frais d\u2019assurance du loyer ;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">l\u2019assurance de propri\u00e9taire non occupant.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Les informations inh\u00e9rentes au cr\u00e9dit<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Vous devrez \u00e9galement renseigner les informations qui sont li\u00e9es au cr\u00e9dit, \u00e0 savoir :<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">la dur\u00e9e du pr\u00eat consenti ;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">l\u2019existence ou non d\u2019un paiement diff\u00e9r\u00e9 pendant la p\u00e9riode construction ;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">la notion d\u2019un diff\u00e9r\u00e9 post livraison ;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">le taux d\u2019emprunt du cr\u00e9dit.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Les \u00e9l\u00e9ments li\u00e9s aux diff\u00e9rentes revalorisations<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">En effectuant une simulation, il est possible de prendre en compte les revalorisations qui pourraient intervenir :<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">le loyer : l\u2019indice dont il faut tenir compte est l\u2019indice de r\u00e9f\u00e9rence des loyers (IRL), \u00e9tabli par l\u2019INSEE ;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">la valeur du logement : celle-ci pourra \u00eatre revaloris\u00e9e chaque ann\u00e9e ;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">la taxe fonci\u00e8re ;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">les diff\u00e9rents frais, notamment les charges.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Comme vous pouvez le constater, les \u00e9l\u00e9ments \u00e0 prendre compte pour investir en loi Pinel sont nombreux. Pour r\u00e9aliser facilement une estimation de la viabilit\u00e9 de votre projet, le minist\u00e8re de la Coh\u00e9sion et des Territoires met \u00e0 disposition des investisseurs un <\/span><a href=\"https:\/\/www.cohesion-territoires.gouv.fr\/dispositif-pinel#e0\"><span style=\"font-weight: 400;\">outil de simulation<\/span><\/a><span style=\"font-weight: 400;\">, qui permet notamment de v\u00e9rifier l\u2019\u00e9ligibilit\u00e9 de la commune que vous aurez choisie, d\u2019int\u00e9grer les plafonds de loyers et de ressources de locataires, etc. N\u2019h\u00e9sitez pas \u00e0 utiliser ce simulateur pour bien verrouiller votre projet et ne rien laisser au hasard !<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Investir dans l\u2019immobilier ne s\u2019improvise pas. Il est indispensable de comprendre les rouages d\u2019une telle op\u00e9ration, notamment les impacts en termes de fiscalit\u00e9, de charges et de cr\u00e9dit. Alors, comment faire une simulation Pinel pour avoir une meilleure id\u00e9e du projet et quels sont les param\u00e8tres \u00e0 prendre en compte ? Pourquoi effectuer une simulation&hellip;<\/p>\n","protected":false},"author":5,"featured_media":11235,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[56],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.13 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comment faire une simulation Pinel ? Mode d&#039;emploi<\/title>\n<meta name=\"description\" content=\"Vous vous demandez comment faire une simulation en Pinel ? 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