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Le problème c’est que cette opération n’a pas été au bout pour Pierre : Refus de prêt de la banque ! Son endettement est justement plombé par l’achat de ses parts de SCPI 🙁
]]>Bonjour je viens de faire la même opération que Pierre , à savoir un investissement en scpi . Étant intéresse par ce qu’ a fait votre ami Pierre au niveau investissement locatif avec travaux pour defiscaliser, est ce possible de se rencontrer en vue d’un même type de projet?
]]>Investir à crédit tout en ayant des liquidités peux avoir un intérêt.
Outre le côté fiscal, les fonds peuvent être conservés en épargne de précaution, car un projet pourrait aboutir nécessitant des fonds, ou simplement pour investir à 2 de manière équilibré, même si l’un a des fonds.
Et encore de nombreuses autres raisons.
Salut,
pour l’immeuble, je pense que c’est mal engagé.
Il me reste quelques travaux (butée de porte et réparation du à la porte d’entrée ouverte par temps de pluie…).
Et le 3ème locataire souhaite partir. Et à priori, il y aurai pas mal de travaux à réaliser dans ce bien. (problème chauffe-eau, wc, électricité, …). Ca reste du conditionnel, car c’est indiqué par le locataire, qui n’a jamais daigné être présente lors de RDV pour réparation.
Mais c’est vrai que je n’y suis pas allé depuis 1 mois et demi, alors que je suis proprio depuis 4 mois.
Ce que je veux dire, c’est qu’à certains moments, il faut de la présence. Donc soit déléguer, soit faire soi-même. (et vu mes expériences en délégation, …)
Pour le bien en IDF, j’avoue ne pas m’être pris la tête en prenant la première annonce que j’ai trouvé avec le rendement affiché. (soit le 6ème immeuble environ).
Après en analysant plus sérieusement les autres annonces, il doit y avoir quelques immeubles à jouer.
Perso je vise 1% de rendement brut mensuel.
Ce qui permet l’auto-financement et une marge de sécurité.
Après, je n’investi pas dans ma région, étant en train de la quitter, j’investi plutôt au alentour de mon futur chez moi! 😉
Mais, il y a de jolis coups à jouer.
Proche de mes parents en IDF, une vieille bâtisse avec tout à refaire certes s’est vend 25k€ avec un terrain non négligeable.
En sachant qu’un terrain constructible dans la commune se vend au alentour de 50k€. Et en location, une fois rénové, c’est facilement louable plus de 800€ HC mensuel.
Donc, il y a à faire même en IDF, juste chercher, trouver et faire!
Tout un programme en fait! 🙂
Je pense que les soucis sur ton immeuble vont se stabiliser et que bientôt tu vas pouvoir ne pas y mettre les pieds pendant 1 an. y’a pas de raison…
D’accord avec toi en cherchant bien on trouve. Dans chaque région de France il y a des opportunités.
Après il faut se méfier des annonces, en 2 minutes tu trouves du 9% en IDF. Parfait mais est-ce réellement du 9%.? Le cas typique, dans l’annonce le vendeur calcule la rentabilité avec des loyers charges comprises et en posant des questions, vous apprenez que les compteurs ne sont pas séparés. En fait les 9% se transforme en 7% 🙁
Souvent aussi, les frais de notaires ne sont pas pris en compte par les vendeurs pour le calcul de la renta.
Faudrait aussi voir l’état général.
Dans mon exemple, Pierre aura au final du 11% brut mais avec 2 maisons rénovées du sol au plafond (40 k de travaux)
Effectivement, dans le calcul des SCPI, j’avais zappé l’emprunt.
Donc je maintiens que sur 150k€, une seule SCPI n’est pas très malin. Surtout qu’en ce moment PFO2 cartonne, c’est bizarre qu’elle ne soit pas ressorti. (peut être l’histoire des commissions de l’apporteur).
Je ne dénigre pas Immorente, j’en ai. Mais je n’ai pas que celle-là (surtout qu’Immorente est plutôt orienté commerce de province.
Pour les allers-retours, rien de surprenant, un locataire qui partait, donc un état des lieux : soit un trajet.
Suivi de quelques travaux de réparations/entretiens : 2 trajets.
Puis la relocation, rapide car locataire de l’étage du dessous : 1 trajet.
Récupération du logement libéré (j’ai laissé un peu de temps pour le déménagement) : 1 trajet.
Quelques travaux dans l’appartement : 1 trajet.
2 visites pour relocation : 2 trajet.
1 passage pour faire remplir les documents et donner les clés : 1 trajet.
Donc sans faire grand chose, on est déjà à 8 trajets. Auquel il faut ajouter un trajet pour une réparation extérieur.
Après, effectivement, on peux tout déléguer.
Mais j’ai eut trop de problème avec la délégation dans le cas d’un autre bien pour ne serai-ce que l’envisager.
Et les honoraires de frais de gestion que j’avais vu c’était quasi 15%. 11% pour la gestion et les travaux, et 3,5% pour l’assurance loyer impayé. (le prix ne signifie pas un bon boulot, dans ce cas, c’était même le contraire).
En virant l’agence pour ce bien, j’ai baissé les loyers de 5% et augmenté mon rendement de 10%. Personne n’a regretté!
Et sinon, si sur Paris, il existe effectivement des rendements faibles, l’ile de France n’est pas Paris.
J’ai trouvé un bien proche de chez moi (je suis à 20 minutes de Paris) avec un rendement de 8% (sans trop chercher).
Un peu plus au Sud, j’avais trouvé un immeuble à 10% de rendement (affiché, non négocié), là aussi sur une ligne de RER, une préfecture, donc proche de Paris (20 minutes environ). Par contre le ticket d’entrée était un peu élevé.
Là encore, en 2 minutes, je trouve un bien affiché à 9% de rendement (indiqué dans l’annonce) dans cette ville (.
Dans ma ville, un appartement neuf est vendu avec un rendement d’environ 5%, donc pour du neuf, c’est déjà un rendement non négligeable.
En fait le problème est plus de l’absence de capacité de trouver les bons plans que celle de la région.
]]>Heu…si moi je vois l’intérêt de faire un crédit c’est d’avoir de l’argent pour investir ! Tout le monde n’a pas 150 K en cash de disponible 🙂
Cela permet aussi d’avoir un effet de levier, c’est quand même extraordinairement puissant !
Pour moi qui suis partis avec zéro de capital, je vois vraiment l’intérêt et ce qu’on arrive à soulever grâce aux banques ! Alors ça me dérange pas de filer un peu (voir beaucoup ) d’intérêts…