{"id":1243,"date":"2023-12-13T17:09:12","date_gmt":"2023-12-13T16:09:12","guid":{"rendered":"https:\/\/viager20.fr\/?page_id=1243"},"modified":"2025-12-18T17:37:33","modified_gmt":"2025-12-18T15:37:33","slug":"taux-interet-rente","status":"publish","type":"page","link":"https:\/\/viager20.com\/index.php\/taux-interet-rente\/","title":{"rendered":"Conditions financi\u00e8res"},"content":{"rendered":"\n

La valorisation utilise le taux d’int\u00e9r\u00eat \u00e0 long terme, l’inflation anticip\u00e9e \u00e0 long terme et une marge actuarielle.<\/strong><\/p>\n\n\n\n

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Le taux d’int\u00e9r\u00eat sert d’abord \u00e0 d\u00e9terminer la rente \u00e9quitable et le juste prix d’un viager.<\/p>\n\n\n\n

Selon le Principe III,<\/a> le rendement de l’obligation du Tr\u00e9sor \u00e0 10 ans fournit un point de d\u00e9part \u00e9quitable de la n\u00e9gociation entre d\u00e9birentier et cr\u00e9direntier.<\/p>\n\n\n\n

Cependant, la rente est ajust\u00e9e au cours du temps, en fonction de l’inflation. On l’actualise donc avec un taux r\u00e9el, obtenu en soustrayant l’inflation anticip\u00e9e du taux d’int\u00e9r\u00eat nominal. Par exemple, avec un taux de l’OAT 10 ans \u00e0 3,0 % et une inflation anticip\u00e9e d’environ 2 \u00bc %, le taux r\u00e9el vaut \u00be %.<\/p>\n\n\n\n

Avant toute transaction, il est essentiel d\u2019\u00e9valuer ce taux r\u00e9el, qui peut fluctuer consid\u00e9rablement. Ignorer ces variations revient \u00e0 acheter un logement au comptant sans se soucier du taux d\u2019emprunt\u2026<\/p>\n\n\n\n

La marge n\u00e9goci\u00e9e autour de ce taux r\u00e9el avantage le cr\u00e9direntier si elle est positive, le d\u00e9birentier si elle est n\u00e9gative.<\/p>\n\n\n\n

Dans cet exemple, le taux du pr\u00eat accord\u00e9 au d\u00e9birentier est de 3,15 %, \u00e0 comparer aux taux des pr\u00eats immobiliers en vigueur. Si ce dernier est sup\u00e9rieur, le d\u00e9birentier devrait plut\u00f4t envisager une transaction au comptant, financ\u00e9e par un pr\u00eat bancaire.<\/p>\n\n\n\n

La rente vers\u00e9e augmente en fonction du taux d’int\u00e9r\u00eat, en raison de l’effet de l’actualisation. En effet, la rente augmente avec le taux d’int\u00e9r\u00eat r\u00e9el.<\/strong> Souvent sous-estim\u00e9 par les professionnels du viager, cet effet peut \u00eatre significatif. Par exemple, dans ce cas, la rente mensuelle augmenterait de 200 \u20ac environ si le taux d’int\u00e9r\u00eat \u00e9tait sup\u00e9rieur de 1 %.<\/p>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"

La valorisation utilise le taux d’int\u00e9r\u00eat \u00e0 long terme, l’inflation anticip\u00e9e \u00e0 long terme et une marge actuarielle. Le taux d’int\u00e9r\u00eat sert d’abord \u00e0 d\u00e9terminer la rente \u00e9quitable et le …<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-fullwidth-stretched.php","meta":{"footnotes":""},"class_list":["post-1243","page","type-page","status-publish","hentry"],"yoast_head":"\ntaux int\u00e9r\u00eat et rente \u00e9quitable<\/title>\n<meta name=\"description\" content=\"Le taux d'int\u00e9r\u00eat est essentiel pour d\u00e9terminer la rente vers\u00e9e. 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