Erreur de la base de données WordPress : [INSERT, UPDATE command denied to user 'immeublejmod1'@'10.15.20.47' for table 'wp_options']
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Erreur de la base de données WordPress : [INSERT, UPDATE command denied to user 'immeublejmod1'@'10.15.20.47' for table 'wp_options']
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Erreur de la base de données WordPress : [INSERT, UPDATE command denied to user 'immeublejmod1'@'10.15.20.47' for table 'wp_options']
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Erreur de la base de données WordPress : [UPDATE command denied to user 'immeublejmod1'@'10.15.20.47' for table 'wp_options']
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Commentaires sur : Aie ! Ses locataires se séparent ! https://immeuble-de-rapport.fr/aie-locataires-se-separent/ Wed, 25 Apr 2018 11:44:36 +0000 hourly 1 https://wordpress.org/?v=5.4.16 Par : Philippe https://immeuble-de-rapport.fr/aie-locataires-se-separent/#comment-113061 Fri, 02 Mar 2018 14:58:38 +0000 http://immeuble-de-rapport.fr/?p=2849#comment-113061 Bonjour,
Il est vrai que cela n’est pas tres commun d’investir dans un immeuble est cela peut « étonner » ses proches.
Pour ma part nous avions déjà des appartements et on a décider d’investir dans un immeuble à l’approche d’une fin de mission à l’expatriation il y a 2 ans et avec la vision de rentrer en France sans emploi et sans chômage.
Aujourd’hui je suis en train d’acheter mon deuxième immeuble sans CDI, ou contrat de travail et avec un taux d’endettement supérieur à 30%….
Pourtant la banque me suit…. pourquoi
Un dossier bien ficeler, une premiere experience d’achat d’immeuble réussi
Bref la banque regarde beaucoup le dossier et tant que dans le dossier on fait ressortir le vrai cash flow, la motivation de l’investissement cela aide a avoir un emprunt.
chaque cas est particulier
premier immeuble avec travaux et tres bon rendement locatif > 10% (avec logement vide à refaire)
deuxieme immeuble moins de rendement (quand meme 9.55%) mais pas de travaux et deja tout loué.
Dans votre cas (étudiant dans un domaine qui va bien les banques devraient suivre si bon dossier, il faut juste faire un jolie dossier)
– prendre un taux d’occupation à 80% (prouve que tu as conscience des risques) pour les calcul
– dans les couts montrer que vous penser à tout ( petit travaux de réparation,, frais de notaire, assurance, taxe foncière,…) bref que vous connaissez le sujet
– dire qui va gérer les locataires (si un gestionnaire, ajouter les couts que cela engendre) (ca montre encore une fois que vous avez la tête sur les épaules (surtout si vous travaillez et donc peut de temps à la gestion de l’immeuble)
– montrer l’ état de immeuble et dire le cout s ‘il y a travaux à faire.
– montrer que vous pouvez subvenir à un gros risque si possible.

Le premier est difficile mais apres le banquier est content de vous revoir avec un nouveau projet et cela va beaucoup plus vite…

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Par : MioPi https://immeuble-de-rapport.fr/aie-locataires-se-separent/#comment-113055 Thu, 22 Feb 2018 22:58:16 +0000 http://immeuble-de-rapport.fr/?p=2849#comment-113055 Bonjour,
Site très intéressant et inspirant !
Je réfléchis beaucoup à mon avenir en ce moment. Je suis actuellement étudiante en dernière année de pharmacie. Récemment j’ai eu des cours de gestion/comptabilité il y a quelques mois, comme quoi il était possible d’acheter une pharmacie (en moyenne 1 million €) en faisant un crédit (à rembourser sur 12 ans) avec un apport personnel assez faible. A la fin de ce cours, je ne sais pas ce qui m’a pris mais je me suis dit « dans quoi d’autre je pourrais investir avec un faible apport ????? ». Bon j’ai regarder sur google ^^’ et voilà que je tombe sur des sites d’investissement d’immeuble de rapport, tous plus inspirants les uns que les autres. La lecture de ces sites m’ont énormément intéressée!

Allant sur mes 25 ans, j’ai décidé de faire le tri sur mes comptes partagés entre 3 banques différentes (ouverts par mes parents qui ont été mal conseillé…). Il en ressort que j’ai 13000€ d’épargne, je pense que c’est déjà pas mal, mais est-ce suffisant pour envisager un tel investissement ? Pour l’instant je n’ai pas encore de travail vu que je suis étudiante jusqu’à juin prochain. Dès 2019, j’envisage de trouver un emploi en tant que pharmacien assistant en CDD (facteur bloquant pour avoir un prêt sans apport si j’ai bien compris ?), difficile d’avoir un CDI par ces temps là.. J’aimerais commencer à investir d’ici 1-2 ans le temps de me former et mettre plus de côté pour l’épargne de précaution de cet investissement (ou les 13000€ sont-ils suffisants ?).
En fait je veux me diriger dans cette voie de l’investissement, (pas pour devenir riche, mais pourquoi pas après tout 😉 mais ce n’est pas mon but premier !), car je trouve que cela est en accord avec mes projets professionnels et personnels, mais aussi pour assurer un complément de revenu, une retraite pérenne, certes c’est encore dans un bon moment, mais si la possibilité s’offre très prochainement, autant préparer tout ça tranquillement dès maintenant 🙂

J’ai compris en général le système de l’investissement de l’immeuble de rapport. A vrai dire, je ne sais pas vraiment par où débuter, je me laisse encore 1-2 ans avant de me lancer. En attendant je me forme via les blogs/sites, livres proposés et recherche de contacts.
J’ai parlé à quelques personnes de mon entourage d’investissement d’immeuble de rapport, comment dire… On me prend pour une dingue, non je ne suis pas dingue et je suis très motivéeeee pour me lancer dans cette aventure !!!!

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Par : Guillaume https://immeuble-de-rapport.fr/aie-locataires-se-separent/#comment-113052 Mon, 05 Feb 2018 20:39:43 +0000 http://immeuble-de-rapport.fr/?p=2849#comment-113052 En réponse à Claire.

Ceinture ET bretelles pour Sébastien ! On est jamais trop prudent 🙂

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Par : Claire https://immeuble-de-rapport.fr/aie-locataires-se-separent/#comment-113051 Mon, 05 Feb 2018 20:30:36 +0000 http://immeuble-de-rapport.fr/?p=2849#comment-113051 Bonsoir Sébastien, bien vu pour la caution qui t’assure de rentrer tes loyers… en ayant 3 patrimoines en garantie !
C’est aussi top pour le gendre qui doit se tenir à carreaux, beau-papa veille au grain !!!

Petite précision, si vous voulez prendre une assurance loyer impayé, vous ne pouvez pas prendre un parent en caution.

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Par : Sébastien https://immeuble-de-rapport.fr/aie-locataires-se-separent/#comment-113050 Mon, 05 Feb 2018 19:20:46 +0000 http://immeuble-de-rapport.fr/?p=2849#comment-113050 Bonsoir … c’est vrai que pour la st Valentin cela plombe un peu l’ambiance mais justement ce petit fait marquant permettra de s’en souvenir !! Encore un bon article de qualité ! Pour ma part J’ai réussi à faire signer à un couple de jeunes étudiants un bail dont le père s est porté caution sur les deux têtes … le papa avait toute confiance en son gendre ! C’est vrai que cette Situation peut arriver, pour moi cela fait trois ans
Que ca dure pour eux deux donc tout va bien !!
Cdlt Sebastien

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