{"id":1253,"date":"2023-12-13T18:52:04","date_gmt":"2023-12-13T17:52:04","guid":{"rendered":"https:\/\/viager20.fr\/?page_id=1253"},"modified":"2025-11-19T12:25:30","modified_gmt":"2025-11-19T10:25:30","slug":"parametres-cles-valorisation","status":"publish","type":"page","link":"https:\/\/viager20.com\/index.php\/parametres-cles-valorisation\/","title":{"rendered":"En r\u00e9sum\u00e9&#8230;"},"content":{"rendered":"\n<p class=\"has-text-align-center has-text-color has-background has-link-color wp-elements-3b087da7ff6821f1ea265e179d2bdcc8 wp-block-paragraph\" style=\"color:#218ecc;background-color:#cecece;font-size:16px;font-style:italic;font-weight:600\">Il est essentiel de s\u00e9lectionner avec soin les param\u00e8tres cl\u00e9s pour la valorisation d&#8217;un viager.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-e1b4d3e60e1d724e582fa63fa6b05554 wp-block-paragraph\">Ces param\u00e8tres influencent le co\u00fbt d&#8217;acquisition d\u2019un viager, parfois <a style=\"color:#218ecc\" href=\"https:\/\/viager20.com\/index.php\/2025\/02\/16\/cout-viagers\/\">de 15 ou 20 %<\/a>. Les comprendre et les s\u00e9lectionner avec soin est donc essentiel pour que d\u00e9birentiers et cr\u00e9direntiers tirent pleinement parti des<a style=\"color:#218ecc\" href=\"https:\/\/viager20.com\/\"> avantages offerts par un viager<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\" style=\"grid-template-columns:43% auto\"><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/viager20.com\/wordpress\/wp-content\/uploads\/2023\/09\/Leviager.jpeg\" alt=\"\" class=\"wp-image-557 size-full\" srcset=\"https:\/\/viager20.com\/wordpress\/wp-content\/uploads\/2023\/09\/Leviager.jpeg 600w, https:\/\/viager20.com\/wordpress\/wp-content\/uploads\/2023\/09\/Leviager-300x200.jpeg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<p class=\"has-black-color has-text-color has-link-color wp-elements-cf5e9385fb3420533d2f77625c63ff29 wp-block-paragraph\">La<strong><em> <\/em><\/strong><em><strong>table de mortalit\u00e9 TGH05-TGF05<\/strong><\/em>, utilis\u00e9e par les assureurs pour le calcul des rentes, constitue la r\u00e9f\u00e9rence, sauf pour les transactions de faible montant. Avec cette table, des sc\u00e9narios exceptionnels comme celui de Jeanne Calment, bien que rares, restent tout \u00e0 fait envisageables.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-56a7b4c0ccf4418faf0e11f3dc62b0eb wp-block-paragraph\">On doit \u00e9valuer soigneusement la<em> <strong>rentabilit\u00e9 locative<\/strong><\/em>, tr\u00e8s variable selon les types de biens et leur emplacement. De plus, il faut ajuster cette rentabilit\u00e9 en tenant compte des co\u00fbts d\u2019entretien \u00e0 la charge de l\u2019usufruitier.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-71e4ba2456338d77c7234c9c228dc44c wp-block-paragraph\">Le <strong>taux d&#8217;int\u00e9r\u00eat<\/strong> repr\u00e9sente le co\u00fbt de financement pour le d\u00e9birentier et le rendement du viager pour le cr\u00e9direntier. De nombreux bar\u00e8mes appliquent un taux constant, souvent trop \u00e9lev\u00e9, parfois avec un taux <strong>r\u00e9el<\/strong> de 3 % ou plus. Or, un tel niveau de taux r\u00e9el n&#8217;a plus \u00e9t\u00e9 observ\u00e9 depuis la fin des ann\u00e9es 1990.<\/p>\n\n\n\n<p class=\"has-text-align-center has-vivid-cyan-blue-color has-text-color has-link-color wp-elements-31d1681057322221ba55b070029f257a wp-block-paragraph\" style=\"font-size:16px;font-style:italic;font-weight:600\">Un taux d&#8217;int\u00e9r\u00eat tr\u00e8s \u00e9lev\u00e9 avantage le cr\u00e9direntier; tr\u00e8s faible, il b\u00e9n\u00e9ficie au d\u00e9birentier.<\/p>\n<\/div><\/div>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-cea466024f48fe40f785351b1fd7553a wp-block-paragraph\"><strong>La structure viag\u00e8re appropri\u00e9e<\/strong> est trop rarement \u00e9tudi\u00e9e. Pourtant, il est possible d\u2019ajuster les caract\u00e9ristiques d\u2019un viager, notamment lorsqu\u2019il est conclu sur deux t\u00eates, afin de r\u00e9pondre aux besoins des cr\u00e9direntiers et des d\u00e9birentiers. Par exemple, la rente peut \u00eatre modifi\u00e9e ou l\u2019usufruit abandonn\u00e9 au premier d\u00e9c\u00e8s. Cette approche permet de concilier \u00e9quitablement les int\u00e9r\u00eats de toutes les parties.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-bc7fe158000f9ce8a36c5693f13877d0 wp-block-paragraph\">Enfin, l<strong><em>&#8216;\u00e9valuation des risques financiers<\/em><\/strong> est une n\u00e9cessit\u00e9 absolue, puisqu&#8217;un viager engager potentiellement le d\u00e9birentier pour plusieurs d\u00e9cennies.<\/p>\n\n\n\n<p class=\"has-text-align-center has-text-color has-background has-link-color wp-elements-a094b0e081e513d03160c3670f65dc42 wp-block-paragraph\" style=\"color:#218ecc;background-color:#cecece;font-size:16px;font-style:italic;font-weight:600\">Un viager n&#8217;est pas une loterie ! <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Il est essentiel de s\u00e9lectionner avec soin les param\u00e8tres cl\u00e9s pour la valorisation d&#8217;un viager. Ces param\u00e8tres influencent le co\u00fbt d&#8217;acquisition d\u2019un viager, parfois de 15 ou 20 %. Les &#8230;<\/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-1253","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>En r\u00e9sum\u00e9... param\u00e8tres cl\u00e9s d&#039;une valorisation<\/title>\n<meta name=\"description\" content=\"D\u00e9birentiers et cr\u00e9direntiers doivent s&#039;accorder sur certains param\u00e8tres cl\u00e9s pour la valorisation. 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