{"id":1548,"date":"2024-04-29T10:35:13","date_gmt":"2024-04-29T10:35:13","guid":{"rendered":"https:\/\/viager20.com\/wordpress\/?page_id=1548"},"modified":"2025-12-18T16:24:00","modified_gmt":"2025-12-18T14:24:00","slug":"valeur-locative-et-usufruit","status":"publish","type":"page","link":"https:\/\/viager20.com\/index.php\/valeur-locative-et-usufruit\/","title":{"rendered":"Valeur locative et usufruit"},"content":{"rendered":"\n

Principe IV : La valeur de l’usufruit d\u00e9pend aussi de la valeur locative du bien.<\/h3>\n\n\n\n

Erreur courante, certains estiment la valeur de l’usufruit en se fondant sur le bar\u00e8me fiscal de l’article 669 du Code g\u00e9n\u00e9ral des imp\u00f4ts. En fait, celui-ci s’applique uniquement \u00ab pour la liquidation des droits d’enregistrement et de la taxe de publicit\u00e9 fonci\u00e8re \u00bb. Ce bar\u00e8me ne refl\u00e8te pas la valeur \u00e9conomique r\u00e9elle de l’usufruit, mais constitue une \u00e9valuation conventionnelle \u00e0 des fins fiscales.<\/strong><\/p>\n\n\n\n

La valeur de l’usufruit d\u00e9pend en r\u00e9alit\u00e9 de la rentabilit\u00e9 locative du bien. Sur le plan \u00e9conomique, l’usufruitier r\u00e9alise une \u00e9conomie \u00e9quivalente au loyer, tandis que le nu-propri\u00e9taire subit une perte de revenus locatifs. Ainsi, la rentabilit\u00e9 locative du bien d\u00e9termine la valeur de l’usufruit<\/strong>, comme la somme (actualis\u00e9e probable) des loyers futurs.<\/p>\n\n\n\n

\"\"<\/figure>
\n

Mais les loyers et la rentabilit\u00e9 locative sont tr\u00e8s variables.<\/strong><\/p>\n\n\n\n

Pour estimer la valeur locative d’un bien non lou\u00e9, il faudra trouver des biens lou\u00e9s comparables.<\/p>\n\n\n\n

Les rendements locatifs fluctuent en fonction des p\u00e9riodes, de la demande sur le march\u00e9 locatif local et du type de bien.<\/p>\n\n\n\n

Il est possible de faire appel \u00e0 un agent immobilier et de consulter des magazines sp\u00e9cialis\u00e9s ainsi qu\u2019un site officiel<\/a> d\u00e9di\u00e9 \u00e0 l\u2019observation des loyers.<\/p>\n<\/div><\/div>\n\n\n\n

L’usufruit modifie aussi la r\u00e9partition des charges locatives et d’autres d\u00e9penses, telles que l’entretien, les assurances et les taxes. En effet, un usufruitier a l\u00e9galement davantage d’obligations qu’un locataire. Il s’acquitte par exemple des frais d’un ravalement.<\/p>\n\n\n\n

Viager 2.0 <\/strong>ne fait pas de distinction entre usufruit et Droit d’Usage et d’Habitation (DUH). La valeur du DUH d\u00e9pend notamment de la pr\u00e9sence ou non d’une clause de majoration de rente en cas d’abandon de jouissance \u00e0 l’initiative du cr\u00e9direntier. En l’absence de cette clause, le DUH favorise le d\u00e9birentie. Avec elle, le DUH devient une option avantageuse pour le cr\u00e9direntier. Ainsi, lors de l’achat viager,la n\u00e9gociation doit tenir compte de ces sp\u00e9cificit\u00e9s juridiques<\/strong>.<\/p>\n\n\n\n

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

La valeur d’un usufruit d\u00e9pend du revenu locatif du bien et de la r\u00e9partition des charges entre usufruitier et nu-propri\u00e9taire. <\/strong><\/p>\n\n\n\n

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

Principe IV : La valeur de l’usufruit d\u00e9pend aussi de la valeur locative du bien. Erreur courante, certains estiment la valeur de l’usufruit en se fondant sur le bar\u00e8me fiscal …<\/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-1548","page","type-page","status-publish","hentry"],"yoast_head":"\nusufruit rentabilit\u00e9 locative<\/title>\n<meta name=\"description\" content=\"Outre l'esp\u00e9rance de vie du cr\u00e9direntier et les taux d'int\u00e9r\u00eat, la valeur d'un usufruit d\u00e9pend de la rentabilit\u00e9 locative du bien.\" \/>\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\/valeur-locative-et-usufruit\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"usufruit 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