{"id":1267,"date":"2023-12-13T19:45:39","date_gmt":"2023-12-13T18:45:39","guid":{"rendered":"https:\/\/viager20.fr\/?page_id=1267"},"modified":"2025-11-14T09:52:22","modified_gmt":"2025-11-14T07:52:22","slug":"une-valorisation-equitable","status":"publish","type":"page","link":"https:\/\/viager20.com\/index.php\/une-valorisation-equitable\/","title":{"rendered":"Une valorisation \u00e9quitable"},"content":{"rendered":"\n

Principe I : La valorisation doit \u00eatre \u00e9quitable pour le cr\u00e9direntier et le d\u00e9birentier.<\/strong><\/h3>\n\n\n\n
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La valorisation d’un viager doit \u00eatre \u00e9quitable. C’est \u00e9vident ! En fait, pas compl\u00e8tement…<\/p>\n\n\n\n

Juridiquement,<\/strong> tant que certaines conditions minimales sont remplies (valeur v\u00e9nale raisonnable du bien, pr\u00e9sence d’un al\u00e9a, etc.), d\u00e9birentier et cr\u00e9direntier peuvent librement n\u00e9gocier les termes d’un viager. D\u00e8s lors, <\/strong>les conditions d’un viager peuvent \u00eatre in\u00e9quitables sans \u00eatre ill\u00e9gales.<\/strong> Le Code Civil<\/a> l’affirme d’ailleurs clairement : “La rente viag\u00e8re peut \u00eatre constitu\u00e9e au taux qu’il plait aux parties contractantes de fixer<\/em>“. Vous voil\u00e0 pr\u00e9venus !<\/p>\n\n\n\n

Economiquement, <\/strong>des hypoth\u00e8ses inadapt\u00e9es, par exemple sur les tables de mortalit\u00e9 ou le taux d’int\u00e9r\u00eat, peuvent biaiser la valorisation. Ainsi, les tables de mortalit\u00e9 retenues sont parfois inadapt\u00e9es pour une population de cr\u00e9direntiers. De m\u00eame, les viagers sont g\u00e9n\u00e9ralement chers lorsque les taux d’int\u00e9r\u00eat sont bas et plus abordables lorsqu’ils sont \u00e9lev\u00e9s. Dans certains cas, l’\u00e9cart au juste prix peut d\u00e9passer 20 %<\/a> et le d\u00e9birentier ou le cr\u00e9direntier se sentiront flou\u00e9s.<\/p>\n\n\n\n

Fort heureusement, actuaires et \u00e9conomistes ma\u00eetrisent depuis longtemps des techniques de valorisation des rentes et des viagers. Leurs premiers travaux remontent \u00e0 Jean de Witt, au XVII\u00e8me<\/sup> si\u00e8cle, dont Alexandre Dumas narre la fin tragique dans La Tulipe Noire<\/a>. Par la suite, les compagnies d’assurance-vie et les caisses de retraite ont grandement perfectionn\u00e9 ces techniques afin d\u2019\u00e9valuer leurs engagements au passif.<\/p>\n\n\n\n

On dispose maintenant de techniques \u00e9prouv\u00e9es qui permettent une valorisation \u00e9quitable des viagers.<\/p>\n\n\n\n

Viager 2.0<\/strong><\/em> les applique de fa\u00e7on transparente, dans l’int\u00e9r\u00eat du cr\u00e9direntier et du d\u00e9birentier. <\/p>\n<\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n

Les techniques de valorisation \u00e9quitable d’un viager existent depuis longtemps.
Malheureusement, rien n’oblige les viag\u00e9ristes \u00e0 les utiliser …<\/p>\n\n\n\n

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

Principe I : La valorisation doit \u00eatre \u00e9quitable pour le cr\u00e9direntier et le d\u00e9birentier. Les techniques de valorisation \u00e9quitable d’un viager existent depuis longtemps. Malheureusement, rien n’oblige les viag\u00e9ristes \u00e0 …<\/p>\n","protected":false},"author":1,"featured_media":112,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-fullwidth.php","meta":{"footnotes":""},"class_list":["post-1267","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"\nUne valorisation \u00e9quitable - Viager 2.0<\/title>\n<meta name=\"description\" content=\"L\u00e9galement, un viager est librement n\u00e9goci\u00e9 par les parties. 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