{"id":11,"date":"2024-04-26T19:47:35","date_gmt":"2024-04-26T19:47:35","guid":{"rendered":"https:\/\/viager20.com\/wordpress\/?page_id=11"},"modified":"2025-12-18T16:02:05","modified_gmt":"2025-12-18T14:02:05","slug":"le-viager-au-juste-prix","status":"publish","type":"page","link":"https:\/\/viager20.com\/","title":{"rendered":"Le juste prix d&#8217;un viager"},"content":{"rendered":"\n<div style=\"height:18px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"wp-block-heading has-text-align-center has-text-color has-link-color wp-elements-9aa9dc68f767eef9e1688bbd687029b6\" style=\"color:#218ecc;font-size:24px;font-style:normal;font-weight:500\">Acheteur et vendeur en viager b\u00e9n\u00e9ficient de transactions au &#8220;juste prix&#8221;.<\/h1>\n\n\n\n<div style=\"height:16px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\" style=\"grid-template-columns:48% auto\"><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" width=\"480\" height=\"290\" src=\"https:\/\/viager20.com\/wordpress\/wp-content\/uploads\/2024\/04\/Pic06a.jpg\" alt=\"L'\u00e9quilibre d'une transaction viag\u00e8re\" class=\"wp-image-32 size-full\" srcset=\"https:\/\/viager20.com\/wordpress\/wp-content\/uploads\/2024\/04\/Pic06a.jpg 480w, https:\/\/viager20.com\/wordpress\/wp-content\/uploads\/2024\/04\/Pic06a-300x181.jpg 300w\" sizes=\"(max-width: 480px) 100vw, 480px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<p class=\"has-text-align-center has-text-color has-link-color wp-elements-0a52eb769748cc7dbae5caf36f92cb91\" style=\"color:#218ecc;font-size:16px;font-style:italic;font-weight:400\">Le viager a des avantages bien connus <\/p>\n\n\n\n<ul class=\"wp-block-list has-black-color has-text-color has-link-color wp-elements-7c1e760be3754a94b7b859f5dcb65a4d\">\n<li class=\"has-black-color has-text-color has-link-color wp-elements-d514b4ecd809519791af86ab4e6a0831\">Le  vendeur, le &#8220;cr\u00e9direntier&#8221;, continue de vivre dans son logement, re\u00e7oit un capital (le bouquet) et b\u00e9n\u00e9ficie d&#8217;une rente viag\u00e8re ;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list has-black-color has-text-color has-link-color wp-elements-72f0e78ea36506a05a270909b902e6a4\">\n<li class=\"has-black-color has-text-color has-link-color wp-elements-95a35acb9897586ced6175b60a304106\">L\u2019acheteur, le &#8220;d\u00e9birentier&#8221;, r\u00e9partit le co\u00fbt d\u2019acquisition du bien sur une longue p\u00e9riode.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center has-text-color has-link-color wp-elements-0173ee6bb7eb0027b1698352d1814ed6\" style=\"color:#218ecc;font-size:16px;font-style:italic;font-weight:400\"><em>Viager 2.0 <\/em>le fournit le juste prix d&#8217;un viager : chacun y trouve son compte.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-1ccff51fd8f9af8d15cfc6cc0d2a6dc5\">Notaires et agents immobiliers, qui ne disposent pas toujours de comp\u00e9tences en calcul financier, s&#8217;appuient de mani\u00e8re opaque sur divers bar\u00e8mes. Qui veille alors \u00e0 ce que le viager soit au juste prix ?<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-5e87bad6aa9c262d5541ff2192d757c8\">Personne, car les conditions de vente sont librement n\u00e9goci\u00e9es. Le Code Civil l&#8217;\u00e9nonce on ne peut plus clairement : &#8220;La rente viag\u00e8re peut \u00eatre constitu\u00e9e au taux qu&#8217;il plait aux parties contractantes de fixer&#8221; (Art. 1976).<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-66c8c73395428c858f2315cf6ecd6688\">Les agents immobiliers, les &#8220;viag\u00e9ristes&#8221;, n&#8217;ont pas l&#8217;obligation de suivre une m\u00e9thode de valorisation pr\u00e9cise. Ils maintiennent d&#8217;ailleurs une certaine opacit\u00e9 sur leur mani\u00e8re de proc\u00e9der.<\/p>\n\n\n\n<p class=\"has-text-align-center has-text-color has-link-color wp-elements-5a821f9223fc2ab585d4f509f85c160c\" style=\"color:#218ecc;font-size:16px;font-style:italic;font-weight:400\"><em>Viager 2.0<\/em> \u00e9value les risques financiers d&#8217;un viager.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color\">L&#8217;incertitude sur la dur\u00e9e de vie du cr\u00e9direntier rend le viager risqu\u00e9. Si un cr\u00e9direntier a une esp\u00e9rance de vie de dix ans, quelle est la probabilit\u00e9 qu&#8217;il vive encore 5 ou 20 ans ? Le sc\u00e9nario du film <a href=\"https:\/\/fr.wikipedia.org\/wiki\/Le_Viager\" target=\"_blank\" rel=\"noreferrer noopener\">Le Viager<\/a> pourrait-il se reproduire ? Et, quelles en seraient les r\u00e9percussions financi\u00e8res ? <br>Nos simulations r\u00e9pondent \u00e0 ces questions centrales.<\/p>\n\n\n\n<p class=\"has-text-align-center has-vivid-cyan-blue-color has-text-color has-link-color wp-elements-5294c22f1ee8645c0c1de0668be034e2\" style=\"font-size:14px\"><\/p>\n<\/div><\/div>\n\n\n\n<div style=\"height:0px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-black-color has-text-color has-link-color\" style=\"margin-left:5em;\">Mais ce site propose bien d&#8217;autres outils que vous allez d\u00e9couvrir : calcul de l&#8217;esp\u00e9rance de vie d&#8217;un couple, valorisation d&#8217;une vente \u00e0 terme, etc..<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color\" style=\"margin-left:5em;\">Pour satisfaire les besoins du cr\u00e9direntier ou du d\u00e9birentier, il \u00e9value \u00e9galement des structures de viager plus souples. L&#8217;usufruit peut s&#8217;achever au premier d\u00e9c\u00e8s pour un couple de cr\u00e9direntiers. On peut aussi modifier de la rente \u00e0 ce moment.\n<br>Tout cela, au <strong><em>&#8220;juste prix&#8221; !<\/em><\/strong> <\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center has-text-color has-background has-link-color wp-elements-8e51dcdacaf26dd86e7c6f9ced42ff87\" style=\"color:#218ecc;background-color:#cecece;font-size:16px;font-style:italic;font-weight:600\"><em>Viager 2.0<\/em> facilite le choix des param\u00e8tres cl\u00e9s d&#8217;un viager : la table de mortalit\u00e9 (pour l&#8217;esp\u00e9rance de vie du cr\u00e9direntier), le taux d&#8217;int\u00e9r\u00eat (pour le calcul de la rente) et la rentabilit\u00e9 locative.<\/p>\n\n\n\n<div style=\"height:19px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Acheteur et vendeur en viager b\u00e9n\u00e9ficient de transactions au &#8220;juste prix&#8221;. Mais ce site propose bien d&#8217;autres outils que vous allez d\u00e9couvrir : calcul de l&#8217;esp\u00e9rance de vie d&#8217;un couple, &#8230;<\/p>\n","protected":false},"author":1,"featured_media":32,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-fullwidth-stretched.php","meta":{"footnotes":""},"class_list":["post-11","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Le viager au juste prix<\/title>\n<meta name=\"description\" content=\"Viager 2.0 fournit le juste prix d&#039;un viager et une description de ses risques avec une m\u00e9thode de valorisation transparente\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/viager20.com\/\" \/>\n<meta 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