{"id":12536,"date":"2021-07-19T15:45:31","date_gmt":"2021-07-19T13:45:31","guid":{"rendered":"https:\/\/www.gridky.com\/blog\/?p=12536"},"modified":"2022-08-30T18:00:17","modified_gmt":"2022-08-30T16:00:17","slug":"investir-dans-limmobilier-direct-ou-scpi","status":"publish","type":"post","link":"https:\/\/www.gridky.com\/blog\/investir-dans-limmobilier-direct-ou-scpi\/","title":{"rendered":"\u00a0Investir dans l\u2019immobilier : direct ou SCPI ?"},"content":{"rendered":"<h1>Investir dans l\u2019immobilier : direct ou SCPI ?<\/h1>\n<h2>Introduction<\/h2>\n<p>Investir dans des parts de SCPI peut s\u2019av\u00e9rer \u00eatre un choix particuli\u00e8rement pertinent si l\u2019on souhaite obtenir un compl\u00e9ment de revenu sans avoir \u00e0 g\u00e9rer de bien locatif. En revanche, <a href=\"https:\/\/www.gridky.com\/investissement-locatif\">l&rsquo;investissement locatif<\/a> dans un bien en direct peut \u00eatre plus avantageux pour qui souhaite disposer comme il le souhaite de son patrimoine.<\/p>\n<p>&nbsp;<\/p>\n<h2><b>L\u2019investissement immobilier indirect : la SCPI<\/b><\/h2>\n<p>Une<strong><a href=\"https:\/\/www.gridky.com\/investissement-scpi\"> SCPI<\/a><\/strong> (Soci\u00e9t\u00e9 Civile de Placement Immobilier) est un v\u00e9hicule d\u2019investissement immobilier g\u00e9r\u00e9 par une soci\u00e9t\u00e9 de gestion dont l\u2019objectif est d\u2019investir dans des actifs immobiliers, d\u2019en g\u00e9rer le parc locatif puis de reverser les loyers per\u00e7us aux porteurs de parts sous forme de dividendes. <b>Investir en SCPI<\/b> revient donc \u00e0 acheter des parts d\u2019un portefeuille compos\u00e9 d\u2019actifs immobiliers diversifi\u00e9s.<\/p>\n<p>&nbsp;<\/p>\n<h3><b>Les avantages et les inconv\u00e9nients<br \/>\n<\/b><\/h3>\n<ul>\n<li>Aucun souci de gestion locative\u00a0<span class=\"Apple-converted-space\"><br \/>\n<\/span><\/li>\n<li>Une mutualisation des risques<\/li>\n<li>Un investissement sur-mesure adapt\u00e9 \u00e0 vos besoins<\/li>\n<li>Un produit d\u2019\u00e9pargne transparent (vision trimestrielle de suivi du patrimoine).<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><b>Les inconv\u00e9nients et risques <\/b><\/h3>\n<ul>\n<li>Risque de perte de valeur ou absence de rendement<\/li>\n<li>La revente de vos parts est un processus qui n\u2019est pas garanti et fortement r\u00e9glement\u00e9<\/li>\n<li>Risque de d\u00e9faillance de la soci\u00e9t\u00e9 de gestion<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><b>L\u2019investissement immobilier en direct<span class=\"Apple-converted-space\">\u00a0<\/span><\/b><\/h2>\n<p>En immobilier direct, si le propri\u00e9taire b\u00e9n\u00e9ficie de plus de libert\u00e9 quant \u00e0 son investissement, il doit \u00e9galement <strong>se charger de la gestion de son bien<\/strong>, ce qui peut s\u2019av\u00e9rer un gros frein pour de nombreux investisseurs : frais d&rsquo;entretien, recherche de locataire, risque d\u2019impay\u00e9s\u00a0et autres al\u00e9as etc.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>Les avantages<\/b><\/h3>\n<ul>\n<li>Se constituer un patrimoine,<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li>B\u00e9n\u00e9ficier de revenus locatifs r\u00e9guliers,<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li>Jouir d\u2019une valeur de placement stable,<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li>R\u00e9aliser une plus-value (potentielle) ou transmettre ses biens,<\/li>\n<li>R\u00e9duire ses imp\u00f4ts gr\u00e2ce \u00e0 la <a href=\"https:\/\/www.gridky.com\/loi-pinel\">Loi Pinel<\/a> dans le neuf ou \u00e0 la <a href=\"https:\/\/www.gridky.com\/loi-malraux\">Loi Malraux<\/a> dans l&rsquo;ancien.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><b>Les inconv\u00e9nients<br \/>\n<\/b><\/h3>\n<ul>\n<li>Ticket d\u2019entr\u00e9 plus \u00e9lev\u00e9 (en g\u00e9n\u00e9ral, au minimum 100 000 euros)<\/li>\n<li>Gestion plus lourde,<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li>Risque d\u2019impay\u00e9 ou de vacance locative,<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li>Risque non mutualis\u00e9,<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li>Charges de copropri\u00e9t\u00e9, d\u00e9penses li\u00e9es aux travaux et taxes fonci\u00e8res, etc.<\/li>\n<li>Acc\u00e8s difficile \u00e0 certains march\u00e9s, comme l\u2019immobilier d\u2019entreprise (montant d\u2019investissement \u00e9lev\u00e9),<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li>Revenus et capital non garantis.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>D&rsquo;une part donc, <strong>l&rsquo;investissement en <a href=\"https:\/\/www.gridky.com\/investissement-scpi\">SCPI<\/a> semble permettre un gain de temps et une plus grande s\u00e9curit\u00e9 locative.<\/strong> Cependant, il s&rsquo;agit d&rsquo;un placement beaucoup moins liquide que l&rsquo;investissement dans l&rsquo;immobilier direct : renseignez-vous bien sur les conditions de revente de vos parts avant d&rsquo;y souscrire !<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Investir dans l\u2019immobilier : direct ou SCPI ? Introduction Investir dans des parts de SCPI peut s\u2019av\u00e9rer \u00eatre un choix particuli\u00e8rement pertinent si l\u2019on souhaite obtenir un compl\u00e9ment de revenu sans avoir \u00e0 g\u00e9rer de bien locatif. En revanche, l&rsquo;investissement locatif dans un bien en direct peut \u00eatre plus avantageux pour qui souhaite disposer comme&hellip;<\/p>\n","protected":false},"author":8,"featured_media":12538,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[60],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.13 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00a0Investir dans l\u2019immobilier : direct ou SCPI ?<\/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\/investir-dans-limmobilier-direct-ou-scpi\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00a0Investir dans l\u2019immobilier : direct ou SCPI ?\" \/>\n<meta property=\"og:description\" content=\"Investir dans l\u2019immobilier : direct ou SCPI ? Introduction Investir dans des parts de SCPI peut s\u2019av\u00e9rer \u00eatre un choix particuli\u00e8rement pertinent si l\u2019on souhaite obtenir un compl\u00e9ment de revenu sans avoir \u00e0 g\u00e9rer de bien locatif. En revanche, l&rsquo;investissement locatif dans un bien en direct peut \u00eatre plus avantageux pour qui souhaite disposer comme&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.gridky.com\/blog\/investir-dans-limmobilier-direct-ou-scpi\/\" \/>\n<meta property=\"og:site_name\" content=\"Gridky blog\" \/>\n<meta property=\"article:published_time\" content=\"2021-07-19T13:45:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-08-30T16:00:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.gridky.com\/blog\/wp-content\/uploads\/2021\/07\/1-1.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=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.gridky.com\/blog\/investir-dans-limmobilier-direct-ou-scpi\/\",\"url\":\"https:\/\/www.gridky.com\/blog\/investir-dans-limmobilier-direct-ou-scpi\/\",\"name\":\"\u00a0Investir dans l\u2019immobilier : direct ou SCPI ?\",\"isPartOf\":{\"@id\":\"https:\/\/www.gridky.com\/blog\/#website\"},\"datePublished\":\"2021-07-19T13:45:31+00:00\",\"dateModified\":\"2022-08-30T16:00:17+00:00\",\"author\":{\"@id\":\"https:\/\/www.gridky.com\/blog\/#\/schema\/person\/d7c5a67a810433ce07cba000c3857a36\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.gridky.com\/blog\/investir-dans-limmobilier-direct-ou-scpi\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.gridky.com\/blog\/investir-dans-limmobilier-direct-ou-scpi\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.gridky.com\/blog\/investir-dans-limmobilier-direct-ou-scpi\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.gridky.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u00a0Investir dans l\u2019immobilier : direct ou 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":"\u00a0Investir dans l\u2019immobilier : direct ou SCPI ?","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\/investir-dans-limmobilier-direct-ou-scpi\/","og_locale":"fr_FR","og_type":"article","og_title":"\u00a0Investir dans l\u2019immobilier : direct ou SCPI ?","og_description":"Investir dans l\u2019immobilier : direct ou SCPI ? Introduction Investir dans des parts de SCPI peut s\u2019av\u00e9rer \u00eatre un choix particuli\u00e8rement pertinent si l\u2019on souhaite obtenir un compl\u00e9ment de revenu sans avoir \u00e0 g\u00e9rer de bien locatif. En revanche, l&rsquo;investissement locatif dans un bien en direct peut \u00eatre plus avantageux pour qui souhaite disposer comme&hellip;","og_url":"https:\/\/www.gridky.com\/blog\/investir-dans-limmobilier-direct-ou-scpi\/","og_site_name":"Gridky blog","article_published_time":"2021-07-19T13:45:31+00:00","article_modified_time":"2022-08-30T16:00:17+00:00","og_image":[{"width":1100,"height":620,"url":"https:\/\/www.gridky.com\/blog\/wp-content\/uploads\/2021\/07\/1-1.png","type":"image\/png"}],"author":"Coralie","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Coralie","Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.gridky.com\/blog\/investir-dans-limmobilier-direct-ou-scpi\/","url":"https:\/\/www.gridky.com\/blog\/investir-dans-limmobilier-direct-ou-scpi\/","name":"\u00a0Investir dans l\u2019immobilier : direct ou SCPI ?","isPartOf":{"@id":"https:\/\/www.gridky.com\/blog\/#website"},"datePublished":"2021-07-19T13:45:31+00:00","dateModified":"2022-08-30T16:00:17+00:00","author":{"@id":"https:\/\/www.gridky.com\/blog\/#\/schema\/person\/d7c5a67a810433ce07cba000c3857a36"},"breadcrumb":{"@id":"https:\/\/www.gridky.com\/blog\/investir-dans-limmobilier-direct-ou-scpi\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.gridky.com\/blog\/investir-dans-limmobilier-direct-ou-scpi\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.gridky.com\/blog\/investir-dans-limmobilier-direct-ou-scpi\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.gridky.com\/blog\/"},{"@type":"ListItem","position":2,"name":"\u00a0Investir dans l\u2019immobilier : direct ou 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"}}]}},"_links":{"self":[{"href":"https:\/\/www.gridky.com\/blog\/wp-json\/wp\/v2\/posts\/12536"}],"collection":[{"href":"https:\/\/www.gridky.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.gridky.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.gridky.com\/blog\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.gridky.com\/blog\/wp-json\/wp\/v2\/comments?post=12536"}],"version-history":[{"count":6,"href":"https:\/\/www.gridky.com\/blog\/wp-json\/wp\/v2\/posts\/12536\/revisions"}],"predecessor-version":[{"id":14999,"href":"https:\/\/www.gridky.com\/blog\/wp-json\/wp\/v2\/posts\/12536\/revisions\/14999"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.gridky.com\/blog\/wp-json\/wp\/v2\/media\/12538"}],"wp:attachment":[{"href":"https:\/\/www.gridky.com\/blog\/wp-json\/wp\/v2\/media?parent=12536"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.gridky.com\/blog\/wp-json\/wp\/v2\/categories?post=12536"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.gridky.com\/blog\/wp-json\/wp\/v2\/tags?post=12536"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}