{"id":1270,"date":"2023-12-13T19:48:16","date_gmt":"2023-12-13T18:48:16","guid":{"rendered":"https:\/\/viager20.fr\/?page_id=1270"},"modified":"2025-12-18T16:14:51","modified_gmt":"2025-12-18T14:14:51","slug":"debirentier-credirentier-gagnant-au-juste-prix","status":"publish","type":"page","link":"https:\/\/viager20.com\/index.php\/debirentier-credirentier-gagnant-au-juste-prix\/","title":{"rendered":"Viager, rente viag\u00e8re et pr\u00eat immobilier"},"content":{"rendered":"\n
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Principe II : Le cr\u00e9direntier pr\u00eate au d\u00e9birentier, qui l’assure en retour contre le risque de long\u00e9vit\u00e9, .<\/h3>\n\n\n\n
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Le d\u00e9birentier et le cr\u00e9direntier peuvent chacun tirer profit d’une transaction viag\u00e8re. C’est une situation “gagnant-gagnant” ! Il est essentiel de comprendre les raisons de ce b\u00e9n\u00e9fice mutuel.<\/p>\n\n\n\n

Le cr\u00e9direntie<\/strong>r pourrait vendre son bien au comptant et souscrire  une rente viag\u00e8re aupr\u00e8s d’une compagnie d’assurance. Pourquoi le viager est-il plus int\u00e9ressant ?<\/p>\n\n\n\n

Avec l’usufruit, il conserve le droit d\u2019occuper les lieux mais cet avantage est \u00e0 relativiser. D’abord, d’autres acqu\u00e9reurs auraient peut-\u00eatre offert un prix plus \u00e9lev\u00e9 pour un bien imm\u00e9diatement disponible. Par ailleurs, l’usufruit “factur\u00e9” au cr\u00e9direntier correspond au loyer qu’il aurait d\u00fb payer. L’avantage d’un usufruit est donc avant tout pratique ou sentimental, contrairement \u00e0 ce qui est parfois avanc\u00e9.<\/p>\n\n\n\n

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Le viager permet au cr\u00e9direntier de b\u00e9n\u00e9ficier d’une rente viag\u00e8re \u00e0 des conditions avantageuses.<\/p>\n\n\n\n

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  1. Les compagnies d’assurance r\u00e9percutent leurs frais de gestion et leurs marges sur les rentes servies, ce qui les r\u00e9duit de de 15 \u00e0 20 % ;<\/li>\n\n\n\n
  2. Depuis une d\u00e9cision de la CJUE<\/a> en 2012, les tables de mortalit\u00e9 des rentes viag\u00e8res p\u00e9nalisent les rentiers masculins.<\/li>\n<\/ol>\n<\/div>\n<\/div>\n\n\n\n

    En \u00e9liminant ces “frottements”, le cr\u00e9direntier peut acqu\u00e9rir une rente \u00e0 des conditions financi\u00e8res nettement plus avantageuses qu’avec une compagnie d’assurance.<\/p>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n

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    Le d\u00e9birentier<\/strong> verse un bouquet, inf\u00e9rieur \u00e0 la valeur totale du bien. Mais cette “d\u00e9cote” repr\u00e9sente en r\u00e9alit\u00e9 un pr\u00eat consenti par le cr\u00e9direntier. Comme un pr\u00eat n’est pas un don, le d\u00e9birentier le rembourse en versant une rente et en laissant l’usufruit du bien au cr\u00e9direntier.Toutefois, lorsque le viager est \u00e9valu\u00e9 de mani\u00e8re \u00e9quitable, le co\u00fbt combin\u00e9 de la rente et de l’usufruit reste inf\u00e9rieur \u00e0 celui d’un pr\u00eat bancaire<\/strong>.<\/p>\n\n\n\n

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

    Le d\u00e9birentier et le cr\u00e9direntier tirent un avantage mutuel d\u2019un viager au juste prix : l\u2019un b\u00e9n\u00e9ficie d\u2019un taux d\u2019emprunt r\u00e9duit, l\u2019autre d\u2019une rente plus abordable.<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"

    Principe II : Le cr\u00e9direntier pr\u00eate au d\u00e9birentier, qui l’assure en retour contre le risque de long\u00e9vit\u00e9, . Le d\u00e9birentier et le cr\u00e9direntier peuvent chacun tirer profit d’une transaction viag\u00e8re. …<\/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-1270","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"\nD\u00e9birentier et cr\u00e9direntier gagnants avec un viager au juste prix.<\/title>\n<meta name=\"description\" content=\"Dans un viager, d\u00e9birentier et cr\u00e9direntier sont gagnants si la rente de l'un et le cr\u00e9dit-vendeur de l'autre sont bon march\u00e9.\" \/>\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\/debirentier-credirentier-gagnant-au-juste-prix\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta 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