{"id":1236,"date":"2023-12-13T16:54:04","date_gmt":"2023-12-13T15:54:04","guid":{"rendered":"https:\/\/viager20.fr\/?page_id=1236"},"modified":"2026-02-27T10:46:14","modified_gmt":"2026-02-27T08:46:14","slug":"valeur-locative-calcul-usufruit","status":"publish","type":"page","link":"https:\/\/viager20.com\/index.php\/valeur-locative-calcul-usufruit\/","title":{"rendered":"Le bien"},"content":{"rendered":"\n

Etape essentielle, notamment pour valoriser l’usufruit, l\u2019analyse immobili\u00e8re d\u00e9termine la valeur v\u00e9nale du bien, sa valeur locative et les d\u00e9penses support\u00e9es.<\/p>\n\n\n

\n
\"\"<\/figure>\n<\/div>\n\n\n

Comme pour une transaction classique, d\u00e9birentier et cr\u00e9direntier doivent s\u2019accorder sur la valeur v\u00e9nale du bien<\/strong>, qui conditionne la valorisation du viager.<\/p>\n\n\n\n

La valeur locative<\/strong>, pour le calcul de la valeur de l\u2019usufruit<\/a>, varie selon la tension du march\u00e9 locatif local et le type de bien. Si n\u00e9cessaire, on \u00e9valuera les loyers avec l’aide d’agents immobiliers ou avec un site officiel<\/a> d\u2019observation des loyers.<\/p>\n\n\n\n

Plus la rentabilit\u00e9 locative est \u00e9lev\u00e9e, plus la valeur de l’usufruit augmente.<\/p>\n\n\n\n

Cependant, cette rentabilit\u00e9 est diminu\u00e9e par les charges support\u00e9es par le loueur. En particulier, il doit anticiper l’obsolescence du bien. Les d\u00e9penses associ\u00e9es, g\u00e9n\u00e9ralement autour de \u00bd % de la valeur du bien, peuvent \u00eatre plus \u00e9lev\u00e9es pour des biens tr\u00e8s anciens ou en mauvais \u00e9tat. Dans cet exemple, le montant retenu correspond \u00e0 \u00be % de la valeur v\u00e9nale.<\/p>\n\n\n\n

De plus, les risques d’impay\u00e9s ou de p\u00e9riodes de vacance diminuent la rentabilit\u00e9 locative. Dans ce contexte, le cr\u00e9direntier est un locataire id\u00e9al, <\/strong>qui s’est par avance acquitt\u00e9 de ses loyers.<\/p>\n\n\n\n

\"\"<\/figure>
\n

<\/p>\n<\/div><\/div>\n\n\n\n

\"Analyse<\/figure>
\n

L\u00e9galement, l’usufruitier a plus d’obligations qu’un locataire. En effet, il doit restituer le bien dans l’\u00e9tat o\u00f9 il l’a re\u00e7u. Entre-temps, il supporte davantage de d\u00e9penses qu’un locataire.<\/p>\n\n\n\n

On ajuste donc la valeur locative pour compenser les frais d’entretien support\u00e9s par un usufuitier mais non par un locataire<\/strong>.<\/p>\n<\/div><\/div>\n\n\n\n

<\/div>\n\n\n\n

L\u2019usufruitier prend g\u00e9n\u00e9ralement \u00e0 sa charge la taxe fonci\u00e8re et les charges et travaux, \u00e0 l\u2019exception du gros oeuvre.<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Etape essentielle, notamment pour valoriser l’usufruit, l\u2019analyse immobili\u00e8re d\u00e9termine la valeur v\u00e9nale du bien, sa valeur locative et les d\u00e9penses support\u00e9es. Comme pour une transaction classique, d\u00e9birentier et cr\u00e9direntier doivent …<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-fullwidth.php","meta":{"footnotes":""},"class_list":["post-1236","page","type-page","status-publish","hentry"],"yoast_head":"\nValeur locative et calcul de l'usufruit<\/title>\n<meta name=\"description\" content=\"Pour le calcul de la valeur de l'usufruit, on utilise la valeur locative du bien, nette des charges support\u00e9es par le propri\u00e9taire.\" \/>\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\/index.php\/valeur-locative-calcul-usufruit\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Valeur locative et calcul de 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