{"id":12117,"date":"2021-05-07T09:55:22","date_gmt":"2021-05-07T09:55:22","guid":{"rendered":"https:\/\/www.gridky.com\/blog\/?p=12117"},"modified":"2023-08-29T15:31:04","modified_gmt":"2023-08-29T13:31:04","slug":"avis-sur-linvestissement-en-scpi","status":"publish","type":"post","link":"https:\/\/www.gridky.com\/blog\/avis-sur-linvestissement-en-scpi\/","title":{"rendered":"Avis sur l&rsquo;investissement en SCPI"},"content":{"rendered":"<p>Les <strong>Soci\u00e9t\u00e9s Civiles de Placement Immobilier<\/strong> constituent un <a href=\"https:\/\/www.gridky.com\/investissement-locatif\">investissement locatif<\/a> sous forme de parts, attrayants pour bon nombre de particuliers au vu de son <strong>faible ticket d&rsquo;entr\u00e9e<\/strong> et de la diminution des taux d\u2019int\u00e9r\u00eat des produits d\u2019\u00e9pargnes classiques. En effet, les rendements offerts par les SCPI y sont bien sup\u00e9rieurs. Cependant, doit-on se m\u00e9fier de ce type d&rsquo;investissement, ou bien au contraire faut-il investir dans les SCPI en 2021 \u00a0?<\/p>\n<h2 id=\"section1\" class=\"wlqehp-2 fpRYvl\"><strong>Les SCPI : quels risques en 2021 ?\u00a0<\/strong><\/h2>\n<p>Comme tout placement dans un actif tangible soumis \u00e0 d\u00e9pr\u00e9ciation et \u00e0 la loi du march\u00e9, l&rsquo;investissement dans les\u00a0<a href=\"https:\/\/www.gridky.com\/investissement-scpi\"><span class=\"sc-1phc76d-0 gSikzp\"><strong data-reactroot=\"\">SCPI<\/strong><\/span><\/a>\u00a0comporte des risques, parmi lesquels :<\/p>\n<ul>\n<li>La <strong>baisse des revenus locatifs<\/strong>\u00a0 ou <strong>du taux d\u2019occupation des biens<\/strong> : c &lsquo;est un risque qui existe toujours, et qui peut engendrer une baisse m\u00e9canique des <strong>revenus vers\u00e9s aux associ\u00e9s.<\/strong><\/li>\n<\/ul>\n<p><em><strong>A NOTER : le risque locatif est mod\u00e9r\u00e9 par la mutualisation sur les diff\u00e9rents biens immobiliers, mais il ne sera jamais nul.\u00a0<\/strong><\/em><\/p>\n<ul>\n<li>Le <strong>risque de faillite <\/strong>de la SCPI : il n\u2019existe\u00a0<strong>aucune garantie sur le capital<\/strong> investi et en cas de crise importante du march\u00e9 immobilier, vous pouvez tout \u00e0 fait perdre la totalit\u00e9 de votre investissement.<\/li>\n<\/ul>\n<p><strong><em>A NOTER : la tr\u00e9sorerie ainsi que la strat\u00e9gie patrimoniale de la SCPI sont des \u00e9l\u00e9ments primordiaux pour en assurer la bonne marche sur le long terme, d&rsquo;o\u00f9 la n\u00e9cessit\u00e9 de\u00a0choisir une SCPI \u00e0 la d\u00e9marche transparente et rationnelle.\u00a0<\/em><\/strong><\/p>\n<ul>\n<li>La <strong>perte des avantages fiscaux<\/strong> : dans le cadre d\u2019une <span class=\"sc-1phc76d-0 gSikzp\"><strong data-reactroot=\"\">SCPI fiscale (<\/strong>Loi Pinel par exemple<strong data-reactroot=\"\">)<\/strong><\/span>, si vous d\u00e9cidez de c\u00e9der vos parts avant \u00e9ch\u00e9ance de l&rsquo;engagement de location, vous perdrez tout avantage fiscal associ\u00e9.<\/li>\n<\/ul>\n<p><strong><em>A NOTER : selon votre tranche d&rsquo;imposition, la <span class=\"sc-1phc76d-0 gSikzp\">fiscalit\u00e9<\/span>\u00a0associ\u00e9e aux SCPI\u00a0peut \u00eatre plus ou moins avantageuse puisque les revenus per\u00e7us seront soumis \u00e0 l\u2019Imp\u00f4t sur le Revenu, sans oublier les pr\u00e9l\u00e8vements sociaux \u00e0 hauteur de 17,2\u00a0%.<\/em><\/strong><\/p>\n<h2>Pourquoi investir en SCPI en 2021 ?<\/h2>\n<p>Les SCPI offrent un <strong><span class=\"sc-1phc76d-0 gSikzp\">rendement moyen de 4 \u00e0 5\u00a0%, allant m\u00eame jusqu&rsquo;\u00e0<\/span>\u00a07\u00a0%<\/strong> pour les <span class=\"sc-1phc76d-0 gSikzp\">meilleures<\/span>. Soit <strong>jusqu&rsquo;\u00e0 7x sup\u00e9rieur au rendement du Livret A<\/strong>, dont le rendement ne permet m\u00eame plus de faire face \u00e0 l\u2019inflation.<\/p>\n<p>De plus, vous pouvez souscrire des parts de SCPI<strong>\u00a0\u00e0 cr\u00e9dit ou m\u00eame\u00a0<\/strong>en <strong><span class=\"sc-1phc76d-0 gSikzp\">nue propri\u00e9t\u00e9 <\/span><\/strong><span class=\"sc-1phc76d-0 gSikzp\">pour vous assurer un placement rentable \u00e0 moindre frais. L&rsquo;investissement en SCPI peut \u00eatre particuli\u00e8rement rentable pour :\u00a0<\/span><\/p>\n<ul>\n<li>les particuliers souhitant pr\u00e9parer leur retraite en g\u00e9n\u00e9rant des revenus compl\u00e9mentaires,<\/li>\n<li>les jeunes actifs souhaitant diversifier leur patrimoine,<\/li>\n<li>les investisseurs dont l&rsquo;objectif est une r\u00e9duction d\u2019imp\u00f4ts sur le long terme via les <span class=\"sc-1phc76d-0 gSikzp\"><strong data-reactroot=\"\">SCPI fiscales (<\/strong><\/span>\u00a0SCPI Pinel ou<strong> <span class=\"sc-1phc76d-0 gSikzp\">Malraux)<\/span>.<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les Soci\u00e9t\u00e9s Civiles de Placement Immobilier constituent un investissement locatif sous forme de parts, attrayants pour bon nombre de particuliers au vu de son faible ticket d&rsquo;entr\u00e9e et de la diminution des taux d\u2019int\u00e9r\u00eat des produits d\u2019\u00e9pargnes classiques. En effet, les rendements offerts par les SCPI y sont bien sup\u00e9rieurs. Cependant, doit-on se m\u00e9fier de&hellip;<\/p>\n","protected":false},"author":8,"featured_media":12120,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[65],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.13 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Avis sur l&#039;investissement en SCPI - Gridky<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.gridky.com\/blog\/avis-sur-linvestissement-en-scpi\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Avis sur l&#039;investissement en SCPI - Gridky\" \/>\n<meta property=\"og:description\" content=\"Les Soci\u00e9t\u00e9s Civiles de Placement Immobilier constituent un investissement locatif sous forme de parts, attrayants pour bon nombre de particuliers au vu de son faible ticket d&rsquo;entr\u00e9e et de la diminution des taux d\u2019int\u00e9r\u00eat des produits d\u2019\u00e9pargnes classiques. En effet, les rendements offerts par les SCPI y sont bien sup\u00e9rieurs. Cependant, doit-on se m\u00e9fier de&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.gridky.com\/blog\/avis-sur-linvestissement-en-scpi\/\" \/>\n<meta property=\"og:site_name\" content=\"Gridky blog\" \/>\n<meta property=\"article:published_time\" content=\"2021-05-07T09:55:22+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-08-29T13:31:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.gridky.com\/blog\/wp-content\/uploads\/2021\/05\/Visuels-25.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1100\" \/>\n\t<meta property=\"og:image:height\" content=\"620\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Coralie\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Coralie\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.gridky.com\/blog\/avis-sur-linvestissement-en-scpi\/\",\"url\":\"https:\/\/www.gridky.com\/blog\/avis-sur-linvestissement-en-scpi\/\",\"name\":\"Avis sur l'investissement en SCPI - Gridky\",\"isPartOf\":{\"@id\":\"https:\/\/www.gridky.com\/blog\/#website\"},\"datePublished\":\"2021-05-07T09:55:22+00:00\",\"dateModified\":\"2023-08-29T13:31:04+00:00\",\"author\":{\"@id\":\"https:\/\/www.gridky.com\/blog\/#\/schema\/person\/d7c5a67a810433ce07cba000c3857a36\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.gridky.com\/blog\/avis-sur-linvestissement-en-scpi\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.gridky.com\/blog\/avis-sur-linvestissement-en-scpi\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.gridky.com\/blog\/avis-sur-linvestissement-en-scpi\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.gridky.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Avis sur l&rsquo;investissement en SCPI\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.gridky.com\/blog\/#website\",\"url\":\"https:\/\/www.gridky.com\/blog\/\",\"name\":\"Gridky blog\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.gridky.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.gridky.com\/blog\/#\/schema\/person\/d7c5a67a810433ce07cba000c3857a36\",\"name\":\"Coralie\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.gridky.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/e8b800670471ba6f23ba45bd8806c96d?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/e8b800670471ba6f23ba45bd8806c96d?s=96&d=mm&r=g\",\"caption\":\"Coralie\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Avis sur l'investissement en SCPI - Gridky","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.gridky.com\/blog\/avis-sur-linvestissement-en-scpi\/","og_locale":"fr_FR","og_type":"article","og_title":"Avis sur l'investissement en SCPI - Gridky","og_description":"Les Soci\u00e9t\u00e9s Civiles de Placement Immobilier constituent un investissement locatif sous forme de parts, attrayants pour bon nombre de particuliers au vu de son faible ticket d&rsquo;entr\u00e9e et de la diminution des taux d\u2019int\u00e9r\u00eat des produits d\u2019\u00e9pargnes classiques. 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