{"id":12244,"date":"2021-06-04T09:35:05","date_gmt":"2021-06-04T07:35:05","guid":{"rendered":"https:\/\/www.gridky.com\/blog\/?p=12244"},"modified":"2021-06-04T09:35:05","modified_gmt":"2021-06-04T07:35:05","slug":"le-pret-locatif-social-un-pinel-bis","status":"publish","type":"post","link":"https:\/\/www.gridky.com\/blog\/le-pret-locatif-social-un-pinel-bis\/","title":{"rendered":"Le Pr\u00eat Locatif Social : un Pinel bis ?"},"content":{"rendered":"<p>La <a href=\"https:\/\/www.gridky.com\/loi-pinel\">Loi Pinel<\/a> est un <strong>m\u00e9canisme de d\u00e9fiscalisation de son investissement locatif<\/strong> bien connu des fran\u00e7ais. \u00a0Le principe : s&rsquo;engager \u00e0 louer un bien pendant une dur\u00e9e d\u00e9termin\u00e9e, en respectant un plafonds de loyer, \u00e0 des m\u00e9nages modestes ou aux ressources inf\u00e9rieures aux plafonds fix\u00e9s par la loi. En contrepartie, le bailleur b\u00e9n\u00e9ficie de r\u00e9duction d&rsquo;imp\u00f4ts pendant toute la dur\u00e9e de son engagement.\u00a0Mais pour qui souhaite <strong>g\u00e9n\u00e9rer des revenus d\u00e9fiscalis\u00e9s<\/strong> sur le long terme, il existe peut-\u00eatre <strong>une alternative au Pinel <\/strong>: il s&rsquo;agit du<strong> PLS.\u00a0<\/strong><\/p>\n<h2>Le PLS : d\u00e9finition<\/h2>\n<p class=\"article__item article__item--para article__item--para-first\">Le <strong>pr\u00eat locatif social ou PLS<\/strong> est un m\u00e9canisme s&rsquo;apppliquant dans le cadre d&rsquo;un<a href=\"https:\/\/www.gridky.com\/investissement-locatif\"> investissement locatif<\/a> dans le neuf, et pourtant encore m\u00e9connu des particuliers.<\/p>\n<p class=\"article__item article__item--para article__item--para-first\">Le principe est proche de celui du Pinel . En effet, le propri\u00e9taire d&rsquo;un logement acquis dans le cadre d&rsquo;un PLS doit :<\/p>\n<ul>\n<li class=\"article__item article__item--para article__item--para-first\">le louer \u00e0 des m\u00e9nages respectant certaines <strong>conditions de ressources<\/strong>,<\/li>\n<li class=\"article__item article__item--para article__item--para-first\">respecter les <strong>plafonds de loyer<\/strong> fix\u00e9s par le dispositif,<\/li>\n<li class=\"article__item article__item--para article__item--para-first\">s&rsquo;engager aupr\u00e8s de l&rsquo;Etat \u00e0 <strong>mettre le bien en location sous ces conditions pendant 15 ans minimum<\/strong>.<\/li>\n<\/ul>\n<p class=\"article__item article__item--para article__item--para-first\">En contrepartie, il b\u00e9n\u00e9ficie de multiples avantages :<\/p>\n<ul>\n<li class=\"article__item article__item--para article__item--para-first\">une <strong>d\u00e9cote<\/strong> significative sur le prix r\u00e9el du bien (entre 20 \u00e0 30 % dans le neuf),<\/li>\n<li class=\"article__item article__item--para article__item--para-first\">l&rsquo;<strong>exon\u00e9ration de taxe fonci\u00e8re<\/strong> pendant toute la dur\u00e9e de l&rsquo;engagement (de 15 \u00e0 25 ans maximum).<\/li>\n<\/ul>\n<h2>Loi Pinel vs PLS : faire son choix<\/h2>\n<h4>Les avantages du PLS par rapport au Pinel :<\/h4>\n<ol>\n<li class=\"article__item article__item--para article__item--para-first\">Le PLS permet d&rsquo;acqu\u00e9rir un bien neuf pour une fraction de sa valeur r\u00e9elle, ce qui permet de <strong>r\u00e9duire grandement le risque de moins-value \u00e0 la revente.<\/strong><\/li>\n<li>Le PLS est cumulable avec d&rsquo;autres avantages tels que le dispositif Cosse par exemple : dans ce cadre, le bailleur peut signer une convention suppl\u00e9mentaire avec l&rsquo;Anah et, en louant \u00e0 des plafonds un peu plus bas,<strong> b\u00e9n\u00e9ficier d&rsquo;un abattement de 70% sur les revenus locatifs per\u00e7us<\/strong> ! C&rsquo;est ainsi l&rsquo;un des rares m\u00e9canismes permettant de <strong>cr\u00e9er une situation de <a href=\"https:\/\/www.gridky.com\/deficit-foncier\">d\u00e9ficit foncier<\/a> dans le neuf.\u00a0<\/strong><\/li>\n<\/ol>\n<h4 class=\"article__item article__item--para article__item--para-first\">Les inconv\u00e9nients du PLS par rapport au Pinel :<\/h4>\n<ol>\n<li>Les plafonds de loyer en vigueur pour les biens acquis gr\u00e2ce \u00e0 un PLS sont inf\u00e9rieurs \u00e0 ceux du Pinel donc <strong>la rentabilit\u00e9 locative en sera amoindrie.\u00a0<\/strong><\/li>\n<li><strong>L&rsquo;engagement de mise en location\u00a0minimum pour b\u00e9n\u00e9ficier du PLS est plus long<\/strong> que dans le cadre du dispositif <a href=\"https:\/\/www.gridky.com\/loi-pinel\">Loi Pinel<\/a>, ce qui peut s&rsquo;av\u00e9rer contraignant si vous souhaitez disposer de votre bien \u00e0 moyen terme.<\/li>\n<li class=\"article__item article__item--para article__item--para-first\">L&rsquo;achat en PLS doit \u00eatre financ\u00e9 pour moiti\u00e9 gr\u00e2ce \u00e0 un<strong> pr\u00eat sp\u00e9cifique au taux variable (align\u00e9 sur le livret A) et peu comp\u00e9titif<\/strong> face aux conditions actuelles de march\u00e9 ( les taux d&rsquo;int\u00e9r\u00eats connaissent un bas historique).<\/li>\n<\/ol>\n<p class=\"article__item article__item--para\">\n","protected":false},"excerpt":{"rendered":"<p>La Loi Pinel est un m\u00e9canisme de d\u00e9fiscalisation de son investissement locatif bien connu des fran\u00e7ais. \u00a0Le principe : s&rsquo;engager \u00e0 louer un bien pendant une dur\u00e9e d\u00e9termin\u00e9e, en respectant un plafonds de loyer, \u00e0 des m\u00e9nages modestes ou aux ressources inf\u00e9rieures aux plafonds fix\u00e9s par la loi. En contrepartie, le bailleur b\u00e9n\u00e9ficie de r\u00e9duction&hellip;<\/p>\n","protected":false},"author":8,"featured_media":12246,"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>Le Pr\u00eat Locatif Social : un Pinel bis ?<\/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\/le-pret-locatif-social-un-pinel-bis\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le Pr\u00eat Locatif Social : un Pinel bis ?\" \/>\n<meta property=\"og:description\" content=\"La Loi Pinel est un m\u00e9canisme de d\u00e9fiscalisation de son investissement locatif bien connu des fran\u00e7ais. \u00a0Le principe : s&rsquo;engager \u00e0 louer un bien pendant une dur\u00e9e d\u00e9termin\u00e9e, en respectant un plafonds de loyer, \u00e0 des m\u00e9nages modestes ou aux ressources inf\u00e9rieures aux plafonds fix\u00e9s par la loi. 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