{"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…"},"content":{"rendered":"\n

Il est essentiel de s\u00e9lectionner avec soin les param\u00e8tres cl\u00e9s pour la valorisation d’un viager.<\/p>\n\n\n\n

Ces param\u00e8tres influencent le co\u00fbt d’acquisition d\u2019un viager, parfois 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 avantages offerts par un viager<\/a>.<\/p>\n\n\n\n

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\n

La <\/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

On doit \u00e9valuer soigneusement la 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

Le taux d’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 r\u00e9el<\/strong> de 3 % ou plus. Or, un tel niveau de taux r\u00e9el n’a plus \u00e9t\u00e9 observ\u00e9 depuis la fin des ann\u00e9es 1990.<\/p>\n\n\n\n

Un taux d’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

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

Enfin, l‘\u00e9valuation des risques financiers<\/em><\/strong> est une n\u00e9cessit\u00e9 absolue, puisqu’un viager engager potentiellement le d\u00e9birentier pour plusieurs d\u00e9cennies.<\/p>\n\n\n\n

Un viager n’est pas une loterie ! <\/p>\n","protected":false},"excerpt":{"rendered":"

Il est essentiel de s\u00e9lectionner avec soin les param\u00e8tres cl\u00e9s pour la valorisation d’un viager. Ces param\u00e8tres influencent le co\u00fbt d’acquisition d\u2019un viager, parfois de 15 ou 20 %. Les …<\/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":"\nEn r\u00e9sum\u00e9... param\u00e8tres cl\u00e9s d'une valorisation<\/title>\n<meta name=\"description\" content=\"D\u00e9birentiers et cr\u00e9direntiers doivent s'accorder sur certains param\u00e8tres cl\u00e9s pour la valorisation. 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