Viagimmo<\/a>, cette \u00e9tude constate que les viagers ont reviennent g\u00e9n\u00e9ralement plus cher qu’une acquisition classique. Si l’on admet que la valeur v\u00e9nale dans ces annonces est correcte, le surco\u00fbt m\u00e9dian atteint respectivement de 8.5 % et 3.8 %, pour ces deux r\u00e9seaux.<\/p>\n\n\n\nCe surco\u00fbt d\u00e9pend de l’\u00e2ge des cr\u00e9direntiers, avec des viagers plus co\u00fbteux pour les plus jeunes. Probablement \u00e0 cause des tables de mortalit\u00e9 utilis\u00e9es, les biens propos\u00e9s par les viag\u00e9ristes sont moins attractifs lorsque le cr\u00e9direntier est sexag\u00e9naire.<\/p>\n\n\n\n
Cependant, la chert\u00e9 des viagers est tr\u00e8s variable. On trouve des viagers dont le co\u00fbt d’acquisition attendu s’\u00e9carte de 15 ou m\u00eame 20 % de la valeur v\u00e9nale du bien. On trouvera donc quelques opportunit\u00e9s de “bonnes affaires”, mais aussi beaucoup de viagers au co\u00fbt excessif.<\/p>\n\n\n\n
De tels \u00e9carts plaident aussi pour une plus grande transparence des viag\u00e9ristes sur leurs techniques de valorisation.<\/p>\n\n\n\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
Les m\u00e9thodes de valorisation des viag\u00e9ristes manquent souvent de transparence. D\u00e8s lors, Les viagers sont-ils plus co\u00fbteux qu’une acquisition au comptant ? Une \u00e9tude de Viager 2.0, r\u00e9sum\u00e9e ici, aborde …<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[28,26,29,27],"class_list":["post-2843","post","type-post","status-publish","format-standard","hentry","category-valorisation-des-viagers","tag-cout","tag-renee-costes","tag-viager","tag-viagimmo"],"yoast_head":"\n
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