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De mon côté, j’en suis à mon 4e investissement locatif depuis 2001 : l’un est fini de payé, hourra !
Deux autres sont en cours et le 4e est sous compromis.
C’est un beau projet : Local commercial refait à neuf, en hyper-centre d’une ville de 40 000 hab avec bail de 12 ans dont 9 ans ferme d’une grande enseigne ET caution de la maison-mère internationale !
Renta 11.5% et cash flow : 1200€ / mois net d’impôt ! (SCI à l’IS).
Et bien je galère pour trouver un financement… que des refus sauf le CIC qui réfléchi à condition d’y mettre de l’apport (60 000 € donc 10% du montant).
Pour mon 3e achat, en 2017 (315 000 €), le 110% était passé sans soucis en 3 jours !!!
Je confirme donc que l’apport est de plus en plus souvent nécessaire. Mais je trouve ça normal . En tout cas, je sais que j’aimerai conserver mon épargne mais cette une très belle affaire et je serai idiot de rester buté !
Bonne journée à tous, Benoit
]]>Bonjour Henri, dans la même situation que toi, mais nous aux Pays-Bas. On peut échanger sur ton expérience d’investisseur non résident fiscal car je suis sur un projet d’achat d’immeuble de rapport en France avec un courtier international. Les banques locales françaises et d’autre courtier type Meilleur taux.com ne suivent pas car selon eux le dossier est trop complexe. Dans l’attente de te lire. M.D.
]]>Je pensais aussi que nouer une relation de confiance avec son banquier était important. J’ai ainsi acheté mes deux premiers immeubles de rapport avec la CE. J’ai joué le jeu en souscrivant des produits bancaires en domiciliant les revenus et en épargnant chez eux…. pour la troisième acquisition la directrice d’agence pensait que c’était dans la poche (toujours du cash flow sur les précédents biens epargne chez eux etc…) mais c’était oublier qu’il fallait l’accord de la délégation régionale dans mon cas et la caution crédit logement. La CE m’a lâché au prétexte que mon encours de prêt devenait trop important chez eux et je suis parti au CA qui m’a suivi….
Le CA était ravi et le conseiller m’a expliqué que c’était formidable d’utiliser ainsi l’effet de levier …. je n’ai pas tardé à lui proposer un autre investissement et il m’a de suite arrêté en me disant mais votre encours est bien trop important et lorsqu’il m’a proposé la renégociation des emprunts en cours avec la caisse d’épargne sa proposition était plus chère et il fallait hypothéquer les biens …
Morale de l’histoire je suis revenu à la CE qui sans aucun effort m’a fait une super proposition pour renégocier mes emprunts actuels ….
Veinard 😉
]]>alors, une chance que j’ai d’habiter la campagne, et d’avoir une petite agence a CE a mon écoute
]]>Oui tu es « naif » si tu es dans une grosse banque type BNP & co, où le conseiller n’a absolument aucune latitude car toutes les décisions sont gérées hors agence…
]]>Bien dit,
je pense que effectivement nouer une relation de confiance avec son banquier est primordiale (plus que le 0.02 pt gagnés en passant par un courtier).
J’ai changé de banque dernièrement suite a un rachat, et bien juste pour faire » bonne impression » , montrer mon sérieux, plutôt que de partir sur un autre achat cette année, je vais attendre 1 an et lui montrer que mon compte peut grossir grâce aux investissements passés et que donc les prochains seront du même gabarit, en esperant une facilitée pour avoir un crédit
suis-je naïf?.
La banque gère le risque et regarde ses marges, si les deux critères sont satisfaisants, il n’y a aucune raison de dire non. J’ai également eu l’occasion d’échanger avec les lecteurs de mon blog pour leur évoquer l’importance d’avoir de l’argent placé dans sa banque. Au-delà du rendement, il faut savoir oublier un peu ses propres intérêts pour plaire à son banquier. Il faut savoir donner pour prendre, n’oublions que la relation est gagnant/gagnant. Avant de demander au banquier de faire des efforts, jouez-là intelligent et montrez que vous êtes professionnels (connaissance de votre dossier), finançable avec un risque maitrisé (épargne que vous placez chez lui) et ouvert aux contreparties commerciales. Ne venez comme je le vois de temps en temps en disant mon dossier mérite ce taux, en prenant meilleur taux.com comme la bible. D’ailleurs à ce sujet, le meilleur indicateur est empruntis puisqu’il affiche le taux médian et on se rend compte que c’est plus haut que meilleurtaux.
Pour résumer :
– soyez digne de confiance et pro
– pensez que votre banque doit faire une marge convenable (ne demandez pas le meilleur taux possible)
– épargnez dans votre banque pour améliorer votre cotation et devenez désirable et finançable (n’oubliez pas que les banques ont des critères à respecter et prêtent plus facilement et avec de meilleures marges si elles ont les dépôts de leurs clients)
– soyez ouvert aux contreparties commerciales
Dernier conseil, choisissez une banque où le niveau de décision est local et pas à 600KM par un analyste qui n’a aucune relation avec vous !
]]>Salut,
oui je l’ai fait auprès d’un directeur d’agence du credit mut, le gars m’a dit, bon dossier, bon feeling, mais encours trop important ( avec ce que j’ai déjà et le nouveau projet cela ferait 550K d’encours) alors que j’ai une bonne réserve d’épargne et que mon autre bien a plus d’un tiers de remboursé…
Bref « faisons de la résidence principal, ce sont des dossiers plus faciles… »
C’est une succession avec un seul héritier, et j’ai obtenu une prorogation jusque fin mars…
]]>