[{"data":1,"prerenderedAt":4276},["Reactive",2],{"cat-immobilier":3},[4,645,1283,2272,3100],{"_path":5,"_dir":6,"_draft":7,"_partial":7,"_locale":8,"title":9,"description":10,"date":11,"updatedAt":11,"category":12,"tags":13,"readingTime":20,"author":21,"relatedSimulator":22,"body":26,"_type":639,"_id":640,"_source":641,"_file":642,"_stem":643,"_extension":644},"/articles/charges-copropriete-prix-m2","articles",false,"","Charges de copropriété 2026 : prix moyen au m²","Fourchettes par type d'immeuble (ascenseur, gardien, piscine), comparaison Paris / province et postes qui font grimper les charges en 2026.","2026-06-27","immobilier",[14,15,16,17,18,19],"charges copropriété 2026","charges copropriété prix m2","charges copropriété moyenne France","budget charges appartement","fonds de travaux copropriété","charges immeuble avec ascenseur",5,"equipe-estimateur",{"title":23,"path":24,"icon":25},"Simulateur charges de copropriété","/simulateurs/simulateur-charges-copropriete","🏢",{"type":27,"children":28,"toc":620},"root",[29,38,44,48,55,60,67,97,103,136,156,159,165,170,176,184,189,195,203,208,214,222,227,233,241,246,249,255,260,366,371,374,380,390,400,410,420,430,433,439,444,487,505,508,514,557,560,585,588,594,599,615],{"type":30,"tag":31,"props":32,"children":34},"element","h1",{"id":33},"charges-de-copropriété-2026-quel-est-le-prix-moyen-au-m-selon-limmeuble",[35],{"type":36,"value":37},"text","Charges de copropriété 2026 : quel est le prix moyen au m² selon l'immeuble ?",{"type":30,"tag":39,"props":40,"children":41},"p",{},[42],{"type":36,"value":43},"Quand on achète un appartement, les charges de copropriété sont souvent reléguées en bas de page — jusqu'à ce que la première facture arrive. Pourtant, selon le type d'immeuble et sa localisation, elles peuvent varier de 15 € à plus de 80 € par m² et par an, soit une différence de 3 000 à 4 000 € par an sur un appartement de 60 m². Voici ce que vous payez vraiment, et pourquoi.",{"type":30,"tag":45,"props":46,"children":47},"hr",{},[],{"type":30,"tag":49,"props":50,"children":52},"h2",{"id":51},"ce-que-couvrent-les-charges-de-copropriété",[53],{"type":36,"value":54},"Ce que couvrent les charges de copropriété",{"type":30,"tag":39,"props":56,"children":57},{},[58],{"type":36,"value":59},"Les charges de copropriété regroupent deux catégories distinctes :",{"type":30,"tag":61,"props":62,"children":64},"h3",{"id":63},"charges-générales-réparties-en-fonction-des-tantièmes",[65],{"type":36,"value":66},"Charges générales (réparties en fonction des tantièmes)",{"type":30,"tag":68,"props":69,"children":70},"ul",{},[71,77,82,87,92],{"type":30,"tag":72,"props":73,"children":74},"li",{},[75],{"type":36,"value":76},"Entretien et nettoyage des parties communes (cage d'escalier, hall, couloirs)",{"type":30,"tag":72,"props":78,"children":79},{},[80],{"type":36,"value":81},"Éclairage des parties communes",{"type":30,"tag":72,"props":83,"children":84},{},[85],{"type":36,"value":86},"Assurance de l'immeuble",{"type":30,"tag":72,"props":88,"children":89},{},[90],{"type":36,"value":91},"Honoraires du syndic de copropriété",{"type":30,"tag":72,"props":93,"children":94},{},[95],{"type":36,"value":96},"Frais d'administration et de gestion courante",{"type":30,"tag":61,"props":98,"children":100},{"id":99},"charges-spéciales-réparties-selon-lutilité-de-chaque-lot",[101],{"type":36,"value":102},"Charges spéciales (réparties selon l'utilité de chaque lot)",{"type":30,"tag":68,"props":104,"children":105},{},[106,111,116,121,126,131],{"type":30,"tag":72,"props":107,"children":108},{},[109],{"type":36,"value":110},"Ascenseur : uniquement pour les étages qui en bénéficient",{"type":30,"tag":72,"props":112,"children":113},{},[114],{"type":36,"value":115},"Eau froide et chaude collective",{"type":30,"tag":72,"props":117,"children":118},{},[119],{"type":36,"value":120},"Chauffage collectif",{"type":30,"tag":72,"props":122,"children":123},{},[124],{"type":36,"value":125},"Gardien ou gardienne d'immeuble",{"type":30,"tag":72,"props":127,"children":128},{},[129],{"type":36,"value":130},"Espaces verts, piscine, parking si commun",{"type":30,"tag":72,"props":132,"children":133},{},[134],{"type":36,"value":135},"Interphone, digicode, vidéosurveillance",{"type":30,"tag":39,"props":137,"children":138},{},[139,141,147,149,154],{"type":36,"value":140},"En plus de ces charges de fonctionnement, la loi ALUR impose depuis 2017 la constitution d'un ",{"type":30,"tag":142,"props":143,"children":144},"strong",{},[145],{"type":36,"value":146},"fonds de travaux",{"type":36,"value":148},", alimenté chaque année à hauteur d'un minimum de ",{"type":30,"tag":142,"props":150,"children":151},{},[152],{"type":36,"value":153},"5 % du budget prévisionnel",{"type":36,"value":155},". Ce fonds finance les travaux non urgents votés en assemblée générale.",{"type":30,"tag":45,"props":157,"children":158},{},[],{"type":30,"tag":49,"props":160,"children":162},{"id":161},"les-fourchettes-de-charges-par-type-dimmeuble",[163],{"type":36,"value":164},"Les fourchettes de charges par type d'immeuble",{"type":30,"tag":39,"props":166,"children":167},{},[168],{"type":36,"value":169},"Ces données sont basées sur les enquêtes annuelles de l'ANGELI (Association Nationale de Gestion des Immeubles Locatifs et en copropriété) et les baromètres des syndics professionnels.",{"type":30,"tag":61,"props":171,"children":173},{"id":172},"petit-immeuble-sans-ascenseur-moins-de-10-lots",[174],{"type":36,"value":175},"Petit immeuble sans ascenseur (moins de 10 lots)",{"type":30,"tag":39,"props":177,"children":178},{},[179],{"type":30,"tag":142,"props":180,"children":181},{},[182],{"type":36,"value":183},"Fourchette : 15 à 30 € / m² / an",{"type":30,"tag":39,"props":185,"children":186},{},[187],{"type":36,"value":188},"Ce sont les charges les plus faibles. Sans gardien, sans ascenseur, avec peu de parties communes à entretenir, les dépenses se limitent à l'assurance, le nettoyage minimal et les honoraires du syndic (souvent un syndic bénévole dans les très petites copropriétés). En province, comptez plutôt 15 à 20 €/m²/an ; en région parisienne, 25 à 30 €.",{"type":30,"tag":61,"props":190,"children":192},{"id":191},"immeuble-moyen-avec-ascenseur-sans-gardien-10-à-30-lots",[193],{"type":36,"value":194},"Immeuble moyen avec ascenseur, sans gardien (10 à 30 lots)",{"type":30,"tag":39,"props":196,"children":197},{},[198],{"type":30,"tag":142,"props":199,"children":200},{},[201],{"type":36,"value":202},"Fourchette : 25 à 45 € / m² / an",{"type":30,"tag":39,"props":204,"children":205},{},[206],{"type":36,"value":207},"L'ascenseur est le premier poste de charges significatif : maintenance préventive, contrat d'entretien, remplacement périodique. À cela s'ajoute un syndic professionnel, dont les honoraires représentent généralement 15 à 25 % du budget total. En Île-de-France, la fourchette haute est souvent dépassée.",{"type":30,"tag":61,"props":209,"children":211},{"id":210},"grand-immeuble-avec-ascenseur-et-gardien-30-lots-et-plus",[212],{"type":36,"value":213},"Grand immeuble avec ascenseur et gardien (30 lots et plus)",{"type":30,"tag":39,"props":215,"children":216},{},[217],{"type":30,"tag":142,"props":218,"children":219},{},[220],{"type":36,"value":221},"Fourchette : 40 à 65 € / m² / an",{"type":30,"tag":39,"props":223,"children":224},{},[225],{"type":36,"value":226},"Le poste gardien ou gardienne représente un coût significatif : salaire, charges sociales, logement de fonction souvent fourni et valorisé. Il peut peser à lui seul 30 à 50 % du budget de charges. En contrepartie, il assure l'entretien quotidien, la gestion des livraisons et la sécurité de l'immeuble.",{"type":30,"tag":61,"props":228,"children":230},{"id":229},"résidence-avec-prestations-haut-de-gamme-piscine-salle-de-sport-parking-couvert",[231],{"type":36,"value":232},"Résidence avec prestations haut de gamme (piscine, salle de sport, parking couvert)",{"type":30,"tag":39,"props":234,"children":235},{},[236],{"type":30,"tag":142,"props":237,"children":238},{},[239],{"type":36,"value":240},"Fourchette : 60 à 100 € / m² / an et plus",{"type":30,"tag":39,"props":242,"children":243},{},[244],{"type":36,"value":245},"Chaque prestation collective se traduit en charges : la piscine coûte entre 20 000 et 60 000 €/an d'entretien pour une résidence, la salle de sport nécessite maintenance et équipements, le parking couvert exige éclairage et sécurité. Ces résidences peuvent afficher des charges annuelles supérieures à 8 000 € pour un appartement de 80 m².",{"type":30,"tag":45,"props":247,"children":248},{},[],{"type":30,"tag":49,"props":250,"children":252},{"id":251},"paris-et-grandes-villes-une-surprime-significative",[253],{"type":36,"value":254},"Paris et grandes villes : une surprime significative",{"type":30,"tag":39,"props":256,"children":257},{},[258],{"type":36,"value":259},"En France, les écarts géographiques sont importants.",{"type":30,"tag":261,"props":262,"children":263},"table",{},[264,283],{"type":30,"tag":265,"props":266,"children":267},"thead",{},[268],{"type":30,"tag":269,"props":270,"children":271},"tr",{},[272,278],{"type":30,"tag":273,"props":274,"children":275},"th",{},[276],{"type":36,"value":277},"Localisation",{"type":30,"tag":273,"props":279,"children":280},{},[281],{"type":36,"value":282},"Moyenne observée (€/m²/an)",{"type":30,"tag":284,"props":285,"children":286},"tbody",{},[287,301,314,327,340,353],{"type":30,"tag":269,"props":288,"children":289},{},[290,296],{"type":30,"tag":291,"props":292,"children":293},"td",{},[294],{"type":36,"value":295},"Paris intra-muros",{"type":30,"tag":291,"props":297,"children":298},{},[299],{"type":36,"value":300},"45 à 80 €",{"type":30,"tag":269,"props":302,"children":303},{},[304,309],{"type":30,"tag":291,"props":305,"children":306},{},[307],{"type":36,"value":308},"Petite couronne (92, 93, 94)",{"type":30,"tag":291,"props":310,"children":311},{},[312],{"type":36,"value":313},"35 à 60 €",{"type":30,"tag":269,"props":315,"children":316},{},[317,322],{"type":30,"tag":291,"props":318,"children":319},{},[320],{"type":36,"value":321},"Lyon, Bordeaux, Nantes (centre)",{"type":30,"tag":291,"props":323,"children":324},{},[325],{"type":36,"value":326},"28 à 50 €",{"type":30,"tag":269,"props":328,"children":329},{},[330,335],{"type":30,"tag":291,"props":331,"children":332},{},[333],{"type":36,"value":334},"Marseille",{"type":30,"tag":291,"props":336,"children":337},{},[338],{"type":36,"value":339},"25 à 45 €",{"type":30,"tag":269,"props":341,"children":342},{},[343,348],{"type":30,"tag":291,"props":344,"children":345},{},[346],{"type":36,"value":347},"Villes moyennes (50 000–200 000 hab.)",{"type":30,"tag":291,"props":349,"children":350},{},[351],{"type":36,"value":352},"18 à 35 €",{"type":30,"tag":269,"props":354,"children":355},{},[356,361],{"type":30,"tag":291,"props":357,"children":358},{},[359],{"type":36,"value":360},"Zones rurales et petites villes",{"type":30,"tag":291,"props":362,"children":363},{},[364],{"type":36,"value":365},"12 à 25 €",{"type":30,"tag":39,"props":367,"children":368},{},[369],{"type":36,"value":370},"Le coût de la main-d'œuvre, les prix des contrats de maintenance et les normes plus exigeantes (sécurité incendie, accessibilité) expliquent l'écart entre Paris et la province.",{"type":30,"tag":45,"props":372,"children":373},{},[],{"type":30,"tag":49,"props":375,"children":377},{"id":376},"les-5-postes-qui-font-le-plus-grimper-les-charges",[378],{"type":36,"value":379},"Les 5 postes qui font le plus grimper les charges",{"type":30,"tag":39,"props":381,"children":382},{},[383,388],{"type":30,"tag":142,"props":384,"children":385},{},[386],{"type":36,"value":387},"1. Le gardien ou employé d'immeuble.",{"type":36,"value":389}," Salaire brut + charges patronales + logement de fonction : l'addition dépasse souvent 35 000 à 50 000 €/an, répartis sur tous les lots.",{"type":30,"tag":39,"props":391,"children":392},{},[393,398],{"type":30,"tag":142,"props":394,"children":395},{},[396],{"type":36,"value":397},"2. Le chauffage collectif.",{"type":36,"value":399}," Dans les immeubles anciens chauffés collectivement au gaz ou au fioul, le chauffage peut représenter 40 à 60 % du budget total. Les immeubles récents (pompe à chaleur collective, réseaux de chaleur urbains) ont des coûts bien moindres.",{"type":30,"tag":39,"props":401,"children":402},{},[403,408],{"type":30,"tag":142,"props":404,"children":405},{},[406],{"type":36,"value":407},"3. L'ascenseur.",{"type":36,"value":409}," Un contrat d'entretien + la mise en conformité périodique imposée par la réglementation coûtent entre 3 000 et 8 000 €/an selon la vétusté et le nombre d'appareils.",{"type":30,"tag":39,"props":411,"children":412},{},[413,418],{"type":30,"tag":142,"props":414,"children":415},{},[416],{"type":36,"value":417},"4. Les honoraires du syndic professionnel.",{"type":36,"value":419}," Ils varient de 150 à 250 €/lot/an en moyenne, mais les syndics des grandes villes facturent souvent des honoraires complémentaires (gestion sinistres, convocation AG, mutations).",{"type":30,"tag":39,"props":421,"children":422},{},[423,428],{"type":30,"tag":142,"props":424,"children":425},{},[426],{"type":36,"value":427},"5. Le fonds de travaux.",{"type":36,"value":429}," Il ne disparaît pas en charges au sens strict, mais il mobilise de la trésorerie. Un vote de ravalement de façade ou de réfection de toiture peut représenter 5 000 à 15 000 € par lot.",{"type":30,"tag":45,"props":431,"children":432},{},[],{"type":30,"tag":49,"props":434,"children":436},{"id":435},"comment-évaluer-les-charges-avant-dacheter",[437],{"type":36,"value":438},"Comment évaluer les charges avant d'acheter",{"type":30,"tag":39,"props":440,"children":441},{},[442],{"type":36,"value":443},"Avant de signer une promesse de vente, vous avez le droit — et tout intérêt — à consulter les documents suivants :",{"type":30,"tag":68,"props":445,"children":446},{},[447,457,467,477],{"type":30,"tag":72,"props":448,"children":449},{},[450,455],{"type":30,"tag":142,"props":451,"children":452},{},[453],{"type":36,"value":454},"Les 3 derniers procès-verbaux d'assemblée générale",{"type":36,"value":456}," : ils révèlent les travaux votés, les contentieux en cours et l'état général de la copropriété.",{"type":30,"tag":72,"props":458,"children":459},{},[460,465],{"type":30,"tag":142,"props":461,"children":462},{},[463],{"type":36,"value":464},"Le carnet d'entretien de l'immeuble",{"type":36,"value":466}," : il liste les travaux réalisés et les contrats d'entretien.",{"type":30,"tag":72,"props":468,"children":469},{},[470,475],{"type":30,"tag":142,"props":471,"children":472},{},[473],{"type":36,"value":474},"Le pré-état daté",{"type":36,"value":476}," (fourni par le syndic lors de la promesse) : il indique le montant exact des charges des 12 derniers mois pour le lot acheté, les impayés de la copropriété et les travaux votés non encore réalisés.",{"type":30,"tag":72,"props":478,"children":479},{},[480,485],{"type":30,"tag":142,"props":481,"children":482},{},[483],{"type":36,"value":484},"Le diagnostic technique global (DTG)",{"type":36,"value":486}," si l'immeuble en dispose : il évalue l'état du bâti et anticipe les travaux à prévoir dans les 10 ans.",{"type":30,"tag":488,"props":489,"children":490},"blockquote",{},[491],{"type":30,"tag":39,"props":492,"children":493},{},[494,496,503],{"type":36,"value":495},"Ces charges s'ajoutent aux frais d'acquisition. Notre ",{"type":30,"tag":497,"props":498,"children":500},"a",{"href":499},"/articles/frais-de-notaire-2026",[501],{"type":36,"value":502},"guide sur les frais de notaire 2026",{"type":36,"value":504}," vous aide à anticiper le coût total de votre achat immobilier.",{"type":30,"tag":45,"props":506,"children":507},{},[],{"type":30,"tag":49,"props":509,"children":511},{"id":510},"comment-réduire-ses-charges-en-tant-que-copropriétaire",[512],{"type":36,"value":513},"Comment réduire ses charges en tant que copropriétaire",{"type":30,"tag":68,"props":515,"children":516},{},[517,527,537,547],{"type":30,"tag":72,"props":518,"children":519},{},[520,525],{"type":30,"tag":142,"props":521,"children":522},{},[523],{"type":36,"value":524},"Renégocier le contrat de syndic",{"type":36,"value":526}," : les prix varient du simple au double à prestation équivalente. Comparez à chaque renouvellement.",{"type":30,"tag":72,"props":528,"children":529},{},[530,535],{"type":30,"tag":142,"props":531,"children":532},{},[533],{"type":36,"value":534},"Mutualiser les contrats d'entretien",{"type":36,"value":536}," : certains immeubles peuvent regrouper l'entretien ascenseur, chauffage et espaces verts avec un prestataire unique pour un meilleur tarif.",{"type":30,"tag":72,"props":538,"children":539},{},[540,545],{"type":30,"tag":142,"props":541,"children":542},{},[543],{"type":36,"value":544},"Voter des travaux d'isolation",{"type":36,"value":546}," : une meilleure enveloppe thermique réduit la facture de chauffage collectif pour tous les copropriétaires.",{"type":30,"tag":72,"props":548,"children":549},{},[550,555],{"type":30,"tag":142,"props":551,"children":552},{},[553],{"type":36,"value":554},"Supprimer un poste non utilisé",{"type":36,"value":556}," : une salle commune jamais utilisée peut être vendue ou reconvertie pour réduire les charges d'entretien.",{"type":30,"tag":45,"props":558,"children":559},{},[],{"type":30,"tag":39,"props":561,"children":562},{},[563,568,570,576,578,583],{"type":30,"tag":142,"props":564,"children":565},{},[566],{"type":36,"value":567},"À lire aussi :",{"type":36,"value":569}," ",{"type":30,"tag":497,"props":571,"children":573},{"href":572},"/articles/depot-garantie-retenues-legales",[574],{"type":36,"value":575},"Dépôt de garantie 2026",{"type":36,"value":577}," — les retenues autorisées par le propriétaire sur votre caution. · ",{"type":30,"tag":497,"props":579,"children":580},{"href":499},[581],{"type":36,"value":582},"Frais de notaire 2026",{"type":36,"value":584}," — tous les coûts d'acquisition à prévoir.",{"type":30,"tag":45,"props":586,"children":587},{},[],{"type":30,"tag":49,"props":589,"children":591},{"id":590},"ce-quil-faut-retenir",[592],{"type":36,"value":593},"Ce qu'il faut retenir",{"type":30,"tag":39,"props":595,"children":596},{},[597],{"type":36,"value":598},"Les charges de copropriété ne se lisent pas seulement à leur montant actuel — elles se lisent aussi dans la trajectoire de l'immeuble. Un immeuble vieillissant avec peu de travaux réalisés peut voir ses charges exploser en quelques années. Vérifier l'état du fonds de travaux et les procès-verbaux des 3 dernières années est indispensable avant tout achat.",{"type":30,"tag":488,"props":600,"children":601},{},[602],{"type":30,"tag":39,"props":603,"children":604},{},[605,607,613],{"type":36,"value":606},"Intégrez ces charges annuelles dans votre calcul de ",{"type":30,"tag":497,"props":608,"children":610},{"href":609},"/articles/taux-endettement-capacite-emprunt",[611],{"type":36,"value":612},"capacité d'emprunt",{"type":36,"value":614}," — les banques les comptabilisent dans les charges récurrentes.",{"type":30,"tag":39,"props":616,"children":617},{},[618],{"type":36,"value":619},"Utilisez notre simulateur pour estimer les charges mensuelles selon le type de votre immeuble et sa localisation.",{"title":8,"searchDepth":621,"depth":621,"links":622},2,[623,628,634,635,636,637,638],{"id":51,"depth":621,"text":54,"children":624},[625,627],{"id":63,"depth":626,"text":66},3,{"id":99,"depth":626,"text":102},{"id":161,"depth":621,"text":164,"children":629},[630,631,632,633],{"id":172,"depth":626,"text":175},{"id":191,"depth":626,"text":194},{"id":210,"depth":626,"text":213},{"id":229,"depth":626,"text":232},{"id":251,"depth":621,"text":254},{"id":376,"depth":621,"text":379},{"id":435,"depth":621,"text":438},{"id":510,"depth":621,"text":513},{"id":590,"depth":621,"text":593},"markdown","content:articles:charges-copropriete-prix-m2.md","content","articles/charges-copropriete-prix-m2.md","articles/charges-copropriete-prix-m2","md",{"_path":572,"_dir":6,"_draft":7,"_partial":7,"_locale":8,"title":646,"description":647,"date":11,"updatedAt":11,"category":12,"tags":648,"readingTime":20,"author":21,"relatedSimulator":655,"body":659,"_type":639,"_id":1280,"_source":641,"_file":1281,"_stem":1282,"_extension":644},"Dépôt de garantie : retenues légales autorisées 2026","Retenues légales sur caution : liste des déductions autorisées, ce qui est interdit, délais de restitution et recours du locataire en cas de litige.",[649,650,651,652,653,654],"dépôt de garantie 2026","retenue caution locative","restitution dépôt garantie","état des lieux sortie","litige locataire bailleur","caution location loi alur",{"title":656,"path":657,"icon":658},"Simulateur dépôt de garantie","/simulateurs/simulateur-depot-garantie","🔑",{"type":27,"children":660,"toc":1262},[661,667,672,675,681,686,752,757,775,778,784,789,812,831,834,840,852,858,863,891,897,902,908,913,916,922,927,933,952,964,970,975,981,986,992,997,1000,1006,1011,1021,1038,1048,1060,1063,1069,1077,1095,1103,1121,1124,1139,1142,1146,1257],{"type":30,"tag":31,"props":662,"children":664},{"id":663},"dépôt-de-garantie-ce-quun-propriétaire-peut-légalement-retenir-en-2026",[665],{"type":36,"value":666},"Dépôt de garantie : ce qu'un propriétaire peut légalement retenir en 2026",{"type":30,"tag":39,"props":668,"children":669},{},[670],{"type":36,"value":671},"La restitution du dépôt de garantie est l'une des sources de conflits les plus fréquentes entre locataires et propriétaires. Pourtant, la loi est précise sur ce que le bailleur peut retenir — et sur ce qu'il ne peut pas. Voici un guide complet pour savoir où vous en êtes, que vous soyez locataire ou propriétaire.",{"type":30,"tag":45,"props":673,"children":674},{},[],{"type":30,"tag":49,"props":676,"children":678},{"id":677},"rappel-à-combien-sélève-le-dépôt-de-garantie",[679],{"type":36,"value":680},"Rappel : à combien s'élève le dépôt de garantie ?",{"type":30,"tag":39,"props":682,"children":683},{},[684],{"type":36,"value":685},"Le montant du dépôt de garantie est encadré par la loi selon le type de bail :",{"type":30,"tag":261,"props":687,"children":688},{},[689,705],{"type":30,"tag":265,"props":690,"children":691},{},[692],{"type":30,"tag":269,"props":693,"children":694},{},[695,700],{"type":30,"tag":273,"props":696,"children":697},{},[698],{"type":36,"value":699},"Type de bail",{"type":30,"tag":273,"props":701,"children":702},{},[703],{"type":36,"value":704},"Montant maximum",{"type":30,"tag":284,"props":706,"children":707},{},[708,721,734],{"type":30,"tag":269,"props":709,"children":710},{},[711,716],{"type":30,"tag":291,"props":712,"children":713},{},[714],{"type":36,"value":715},"Location vide (bail 3 ans)",{"type":30,"tag":291,"props":717,"children":718},{},[719],{"type":36,"value":720},"1 mois de loyer hors charges",{"type":30,"tag":269,"props":722,"children":723},{},[724,729],{"type":30,"tag":291,"props":725,"children":726},{},[727],{"type":36,"value":728},"Location meublée (bail 1 an)",{"type":30,"tag":291,"props":730,"children":731},{},[732],{"type":36,"value":733},"2 mois de loyer hors charges",{"type":30,"tag":269,"props":735,"children":736},{},[737,742],{"type":30,"tag":291,"props":738,"children":739},{},[740],{"type":36,"value":741},"Bail mobilité (1 à 10 mois)",{"type":30,"tag":291,"props":743,"children":744},{},[745,750],{"type":30,"tag":142,"props":746,"children":747},{},[748],{"type":36,"value":749},"Interdit",{"type":36,"value":751}," — aucun dépôt de garantie",{"type":30,"tag":39,"props":753,"children":754},{},[755],{"type":36,"value":756},"Le dépôt est versé à l'entrée dans les lieux et doit être restitué — en totalité ou partiellement — à la sortie. Aucun intérêt n'est dû au locataire pendant la durée de la location.",{"type":30,"tag":488,"props":758,"children":759},{},[760],{"type":30,"tag":39,"props":761,"children":762},{},[763,765,773],{"type":36,"value":764},"Calculez le montant exact du dépôt de garantie applicable à votre bail avec notre ",{"type":30,"tag":497,"props":766,"children":770},{"href":767,"rel":768},"https://estimateur.net/simulateurs/simulateur-depot-garantie",[769],"nofollow",[771],{"type":36,"value":772},"simulateur dépôt de garantie",{"type":36,"value":774}," — 1 mois pour un logement vide, 2 mois pour un meublé.",{"type":30,"tag":45,"props":776,"children":777},{},[],{"type":30,"tag":49,"props":779,"children":781},{"id":780},"les-délais-légaux-de-restitution",[782],{"type":36,"value":783},"Les délais légaux de restitution",{"type":30,"tag":39,"props":785,"children":786},{},[787],{"type":36,"value":788},"La loi ALUR fixe des délais stricts :",{"type":30,"tag":68,"props":790,"children":791},{},[792,802],{"type":30,"tag":72,"props":793,"children":794},{},[795,800],{"type":30,"tag":142,"props":796,"children":797},{},[798],{"type":36,"value":799},"1 mois",{"type":36,"value":801}," après la remise des clés si l'état des lieux de sortie est conforme à l'état des lieux d'entrée",{"type":30,"tag":72,"props":803,"children":804},{},[805,810],{"type":30,"tag":142,"props":806,"children":807},{},[808],{"type":36,"value":809},"2 mois",{"type":36,"value":811}," si des différences sont constatées entre les deux états des lieux",{"type":30,"tag":39,"props":813,"children":814},{},[815,817,822,824,829],{"type":36,"value":816},"Ces délais courent à partir de la ",{"type":30,"tag":142,"props":818,"children":819},{},[820],{"type":36,"value":821},"remise des clés",{"type":36,"value":823}," par le locataire, et non à partir de la date de fin du bail. En cas de dépassement, le locataire peut réclamer une majoration de ",{"type":30,"tag":142,"props":825,"children":826},{},[827],{"type":36,"value":828},"10 % du loyer mensuel hors charges par mois de retard",{"type":36,"value":830}," entamé.",{"type":30,"tag":45,"props":832,"children":833},{},[],{"type":30,"tag":49,"props":835,"children":837},{"id":836},"ce-que-le-bailleur-peut-légalement-retenir",[838],{"type":36,"value":839},"Ce que le bailleur peut légalement retenir",{"type":30,"tag":39,"props":841,"children":842},{},[843,845,850],{"type":36,"value":844},"Le propriétaire ne peut imputer sur le dépôt que des sommes correspondant à des ",{"type":30,"tag":142,"props":846,"children":847},{},[848],{"type":36,"value":849},"préjudices réels et justifiés",{"type":36,"value":851},", documentés par la comparaison des états des lieux d'entrée et de sortie.",{"type":30,"tag":61,"props":853,"children":855},{"id":854},"dégradations-causées-par-le-locataire",[856],{"type":36,"value":857},"Dégradations causées par le locataire",{"type":30,"tag":39,"props":859,"children":860},{},[861],{"type":36,"value":862},"Toute dégradation dépassant l'usure normale peut être retenue, à condition d'être mentionnée dans l'état des lieux de sortie et d'être chiffrée avec des justificatifs (devis ou factures) :",{"type":30,"tag":68,"props":864,"children":865},{},[866,871,876,881,886],{"type":30,"tag":72,"props":867,"children":868},{},[869],{"type":36,"value":870},"Trous dans les murs non rebouchés",{"type":30,"tag":72,"props":872,"children":873},{},[874],{"type":36,"value":875},"Carrelage ou parquet cassés",{"type":30,"tag":72,"props":877,"children":878},{},[879],{"type":36,"value":880},"Porte ou fenêtre abîmée (hors usure)",{"type":30,"tag":72,"props":882,"children":883},{},[884],{"type":36,"value":885},"Peinture très dégradée (tags, taches résistantes, couleurs non consenties)",{"type":30,"tag":72,"props":887,"children":888},{},[889],{"type":36,"value":890},"Équipements du logement endommagés ou manquants",{"type":30,"tag":61,"props":892,"children":894},{"id":893},"loyers-et-charges-impayés",[895],{"type":36,"value":896},"Loyers et charges impayés",{"type":30,"tag":39,"props":898,"children":899},{},[900],{"type":36,"value":901},"Si le locataire quitte le logement avec des impayés, le propriétaire peut déduire les sommes dues à condition de les justifier (décompte détaillé, relevé des charges).",{"type":30,"tag":61,"props":903,"children":905},{"id":904},"frais-de-nettoyage",[906],{"type":36,"value":907},"Frais de nettoyage",{"type":30,"tag":39,"props":909,"children":910},{},[911],{"type":36,"value":912},"Si le logement n'a pas été rendu dans un état de propreté normal, des frais de nettoyage peuvent être retenus — uniquement sur justificatifs (facture d'une entreprise de nettoyage ou devis).",{"type":30,"tag":45,"props":914,"children":915},{},[],{"type":30,"tag":49,"props":917,"children":919},{"id":918},"ce-que-le-bailleur-ne-peut-pas-retenir",[920],{"type":36,"value":921},"Ce que le bailleur ne peut PAS retenir",{"type":30,"tag":39,"props":923,"children":924},{},[925],{"type":36,"value":926},"C'est là que la plupart des litiges surgissent. La loi protège le locataire contre des retenues abusives.",{"type":30,"tag":61,"props":928,"children":930},{"id":929},"la-vétusté-nest-pas-à-la-charge-du-locataire",[931],{"type":36,"value":932},"La vétusté n'est pas à la charge du locataire",{"type":30,"tag":39,"props":934,"children":935},{},[936,938,943,945,950],{"type":36,"value":937},"Un logement s'use naturellement avec le temps. La ",{"type":30,"tag":142,"props":939,"children":940},{},[941],{"type":36,"value":942},"vétusté",{"type":36,"value":944}," — l'usure normale liée au passage du temps et à un usage raisonnable — n'est ",{"type":30,"tag":142,"props":946,"children":947},{},[948],{"type":36,"value":949},"jamais",{"type":36,"value":951}," à la charge du locataire. Le propriétaire ne peut pas retenir sur le dépôt le coût d'un rafraîchissement de peinture classique, d'un remplacement de moquette usée ou d'un joint de robinet vieilli.",{"type":30,"tag":39,"props":953,"children":954},{},[955,957,962],{"type":36,"value":956},"Depuis 2016, une ",{"type":30,"tag":142,"props":958,"children":959},{},[960],{"type":36,"value":961},"grille de vétusté",{"type":36,"value":963}," peut être annexée au bail. Si elle l'est, elle fait référence pour calculer la part à la charge de chacun. En l'absence de grille, la négociation est plus ouverte — mais la vétusté reste opposable.",{"type":30,"tag":61,"props":965,"children":967},{"id":966},"les-défauts-préexistants-à-lentrée",[968],{"type":36,"value":969},"Les défauts préexistants à l'entrée",{"type":30,"tag":39,"props":971,"children":972},{},[973],{"type":36,"value":974},"Si une dégradation était déjà présente lors de l'entrée dans les lieux et figurait dans l'état des lieux d'entrée, le bailleur ne peut évidemment pas la retenir au départ. C'est pourquoi l'état des lieux d'entrée doit être rempli avec soin.",{"type":30,"tag":61,"props":976,"children":978},{"id":977},"labsence-détat-des-lieux-de-sortie-contradictoire",[979],{"type":36,"value":980},"L'absence d'état des lieux de sortie contradictoire",{"type":30,"tag":39,"props":982,"children":983},{},[984],{"type":36,"value":985},"Si aucun état des lieux de sortie n'a été réalisé en présence du locataire — ou si le locataire n'a pas été convoqué dans les formes légales — le bailleur ne peut opposer aucun constat de dégradation. Le dépôt doit être restitué intégralement.",{"type":30,"tag":61,"props":987,"children":989},{"id":988},"les-travaux-relevant-de-lentretien-courant",[990],{"type":36,"value":991},"Les travaux relevant de l'entretien courant",{"type":30,"tag":39,"props":993,"children":994},{},[995],{"type":36,"value":996},"Certains travaux sont légalement à la charge du bailleur, quelle que soit la durée de la location : remplacement d'une chaudière vétuste, remise aux normes électriques, réparation de la toiture. Le locataire n'a pas à en assumer le coût.",{"type":30,"tag":45,"props":998,"children":999},{},[],{"type":30,"tag":49,"props":1001,"children":1003},{"id":1002},"comment-contester-une-retenue-abusive",[1004],{"type":36,"value":1005},"Comment contester une retenue abusive",{"type":30,"tag":39,"props":1007,"children":1008},{},[1009],{"type":36,"value":1010},"Si vous pensez que des sommes ont été retenues à tort, voici la procédure :",{"type":30,"tag":39,"props":1012,"children":1013},{},[1014,1019],{"type":30,"tag":142,"props":1015,"children":1016},{},[1017],{"type":36,"value":1018},"Étape 1 — Courrier en recommandé.",{"type":36,"value":1020}," Adressez une lettre recommandée avec AR au propriétaire, en listant les retenues contestées et les raisons de votre contestation. Joignez votre propre état des lieux d'entrée et toute photo pertinente.",{"type":30,"tag":39,"props":1022,"children":1023},{},[1024,1029,1031,1036],{"type":30,"tag":142,"props":1025,"children":1026},{},[1027],{"type":36,"value":1028},"Étape 2 — Commission de conciliation.",{"type":36,"value":1030}," En l'absence de réponse satisfaisante, vous pouvez saisir la ",{"type":30,"tag":142,"props":1032,"children":1033},{},[1034],{"type":36,"value":1035},"Commission Départementale de Conciliation (CDC)",{"type":36,"value":1037}," — gratuite, sans avocat, et obligatoire avant toute saisine du tribunal. Le propriétaire est convoqué ; une conciliation est tentée. Cette démarche est souvent suffisante pour débloquer les situations.",{"type":30,"tag":39,"props":1039,"children":1040},{},[1041,1046],{"type":30,"tag":142,"props":1042,"children":1043},{},[1044],{"type":36,"value":1045},"Étape 3 — Juge des contentieux de la protection.",{"type":36,"value":1047}," Si la conciliation échoue, vous pouvez saisir ce tribunal (anciennement tribunal d'instance). Pour les litiges inférieurs à 5 000 €, aucun avocat n'est obligatoire.",{"type":30,"tag":39,"props":1049,"children":1050},{},[1051,1053,1058],{"type":36,"value":1052},"Le délai de prescription pour agir est de ",{"type":30,"tag":142,"props":1054,"children":1055},{},[1056],{"type":36,"value":1057},"3 ans",{"type":36,"value":1059}," à compter de la fin du bail.",{"type":30,"tag":45,"props":1061,"children":1062},{},[],{"type":30,"tag":49,"props":1064,"children":1066},{"id":1065},"conseils-pratiques-pour-éviter-le-litige",[1067],{"type":36,"value":1068},"Conseils pratiques pour éviter le litige",{"type":30,"tag":39,"props":1070,"children":1071},{},[1072],{"type":30,"tag":142,"props":1073,"children":1074},{},[1075],{"type":36,"value":1076},"Pour le locataire :",{"type":30,"tag":68,"props":1078,"children":1079},{},[1080,1085,1090],{"type":30,"tag":72,"props":1081,"children":1082},{},[1083],{"type":36,"value":1084},"Réalisez un état des lieux d'entrée très détaillé, avec photos datées",{"type":30,"tag":72,"props":1086,"children":1087},{},[1088],{"type":36,"value":1089},"Signalez par écrit (email suffit) toute dégradation survenue pendant le bail dès qu'elle se produit",{"type":30,"tag":72,"props":1091,"children":1092},{},[1093],{"type":36,"value":1094},"Rendez les clés après avoir fait le tour du logement avec le propriétaire, et exigez une signature sur l'état des lieux de sortie",{"type":30,"tag":39,"props":1096,"children":1097},{},[1098],{"type":30,"tag":142,"props":1099,"children":1100},{},[1101],{"type":36,"value":1102},"Pour le propriétaire :",{"type":30,"tag":68,"props":1104,"children":1105},{},[1106,1111,1116],{"type":30,"tag":72,"props":1107,"children":1108},{},[1109],{"type":36,"value":1110},"Joignez une grille de vétusté au bail — elle clarifie les responsabilités et évite les contestations",{"type":30,"tag":72,"props":1112,"children":1113},{},[1114],{"type":36,"value":1115},"Restituez le dépôt dans les délais légaux, même partiellement : tout retard déclenche la majoration",{"type":30,"tag":72,"props":1117,"children":1118},{},[1119],{"type":36,"value":1120},"Justifiez chaque retenue par un devis ou une facture — un montant \"au doigt mouillé\" sera systématiquement contesté",{"type":30,"tag":45,"props":1122,"children":1123},{},[],{"type":30,"tag":39,"props":1125,"children":1126},{},[1127,1131,1132,1137],{"type":30,"tag":142,"props":1128,"children":1129},{},[1130],{"type":36,"value":567},{"type":36,"value":569},{"type":30,"tag":497,"props":1133,"children":1134},{"href":5},[1135],{"type":36,"value":1136},"Charges de copropriété 2026",{"type":36,"value":1138}," — comprendre ce que votre propriétaire peut vous répercuter chaque année au-delà de la caution.",{"type":30,"tag":45,"props":1140,"children":1141},{},[],{"type":30,"tag":49,"props":1143,"children":1144},{"id":590},[1145],{"type":36,"value":593},{"type":30,"tag":261,"props":1147,"children":1148},{},[1149,1165],{"type":30,"tag":265,"props":1150,"children":1151},{},[1152],{"type":30,"tag":269,"props":1153,"children":1154},{},[1155,1160],{"type":30,"tag":273,"props":1156,"children":1157},{},[1158],{"type":36,"value":1159},"Retenue",{"type":30,"tag":273,"props":1161,"children":1162},{},[1163],{"type":36,"value":1164},"Légale ?",{"type":30,"tag":284,"props":1166,"children":1167},{},[1168,1181,1194,1207,1220,1233,1245],{"type":30,"tag":269,"props":1169,"children":1170},{},[1171,1176],{"type":30,"tag":291,"props":1172,"children":1173},{},[1174],{"type":36,"value":1175},"Dégradation constatée à l'état des lieux de sortie",{"type":30,"tag":291,"props":1177,"children":1178},{},[1179],{"type":36,"value":1180},"✅ Oui, avec justificatifs",{"type":30,"tag":269,"props":1182,"children":1183},{},[1184,1189],{"type":30,"tag":291,"props":1185,"children":1186},{},[1187],{"type":36,"value":1188},"Loyers impayés",{"type":30,"tag":291,"props":1190,"children":1191},{},[1192],{"type":36,"value":1193},"✅ Oui",{"type":30,"tag":269,"props":1195,"children":1196},{},[1197,1202],{"type":30,"tag":291,"props":1198,"children":1199},{},[1200],{"type":36,"value":1201},"Frais de nettoyage si logement sale",{"type":30,"tag":291,"props":1203,"children":1204},{},[1205],{"type":36,"value":1206},"✅ Oui, sur facture",{"type":30,"tag":269,"props":1208,"children":1209},{},[1210,1215],{"type":30,"tag":291,"props":1211,"children":1212},{},[1213],{"type":36,"value":1214},"Peinture refaite après usage normal",{"type":30,"tag":291,"props":1216,"children":1217},{},[1218],{"type":36,"value":1219},"❌ Non — vétusté",{"type":30,"tag":269,"props":1221,"children":1222},{},[1223,1228],{"type":30,"tag":291,"props":1224,"children":1225},{},[1226],{"type":36,"value":1227},"Dégradation non mentionnée à l'état des lieux",{"type":30,"tag":291,"props":1229,"children":1230},{},[1231],{"type":36,"value":1232},"❌ Non",{"type":30,"tag":269,"props":1234,"children":1235},{},[1236,1241],{"type":30,"tag":291,"props":1237,"children":1238},{},[1239],{"type":36,"value":1240},"Travaux d'entretien à la charge du bailleur",{"type":30,"tag":291,"props":1242,"children":1243},{},[1244],{"type":36,"value":1232},{"type":30,"tag":269,"props":1246,"children":1247},{},[1248,1253],{"type":30,"tag":291,"props":1249,"children":1250},{},[1251],{"type":36,"value":1252},"Retenue sans justificatif chiffré",{"type":30,"tag":291,"props":1254,"children":1255},{},[1256],{"type":36,"value":1232},{"type":30,"tag":39,"props":1258,"children":1259},{},[1260],{"type":36,"value":1261},"Utilisez notre simulateur pour calculer le montant du dépôt de garantie selon votre type de bail, et vérifier les règles applicables à votre situation.",{"title":8,"searchDepth":621,"depth":621,"links":1263},[1264,1265,1266,1271,1277,1278,1279],{"id":677,"depth":621,"text":680},{"id":780,"depth":621,"text":783},{"id":836,"depth":621,"text":839,"children":1267},[1268,1269,1270],{"id":854,"depth":626,"text":857},{"id":893,"depth":626,"text":896},{"id":904,"depth":626,"text":907},{"id":918,"depth":621,"text":921,"children":1272},[1273,1274,1275,1276],{"id":929,"depth":626,"text":932},{"id":966,"depth":626,"text":969},{"id":977,"depth":626,"text":980},{"id":988,"depth":626,"text":991},{"id":1002,"depth":621,"text":1005},{"id":1065,"depth":621,"text":1068},{"id":590,"depth":621,"text":593},"content:articles:depot-garantie-retenues-legales.md","articles/depot-garantie-retenues-legales.md","articles/depot-garantie-retenues-legales",{"_path":499,"_dir":6,"_draft":7,"_partial":7,"_locale":8,"title":1284,"description":1285,"date":11,"updatedAt":11,"category":12,"tags":1286,"readingTime":1293,"summary":1294,"author":21,"relatedSimulator":1299,"body":1303,"_type":639,"_id":2269,"_source":641,"_file":2270,"_stem":2271,"_extension":644},"Frais de notaire 2026 : calcul et montants réels","Droits de mutation, émoluments et débours : calculer les frais de notaire 2026 dans l'ancien et le neuf, et astuces pour les réduire légalement.",[1287,1288,1289,1290,1291,1292],"frais de notaire 2026","frais notaire calcul","droits de mutation","achat immobilier ancien neuf","frais acquisition immobilier","simulateur frais notaire",6,[1295,1296,1297,1298],"Les frais de notaire représentent 7–8 % du prix dans l'ancien et seulement 2–3 % dans le neuf, grâce aux droits de mutation réduits.","Plus de 75 % de la somme va directement aux impôts (droits de mutation) — la rémunération réelle du notaire est encadrée et reste minoritaire.","Le mobilier inclus dans la vente peut être valorisé séparément et réduire légalement l'assiette de calcul des droits.","Négocier les émoluments est possible au-delà de 150 000 € : depuis 2021, le notaire peut accorder une remise allant jusqu'à 20 %.",{"title":1300,"path":1301,"icon":1302},"Simulateur frais de notaire","/simulateurs/simulateur-frais-notaire","🏛️",{"type":27,"children":1304,"toc":2248},[1305,1311,1316,1319,1325,1330,1336,1341,1360,1395,1413,1419,1431,1505,1510,1516,1528,1547,1550,1556,1562,1674,1683,1698,1701,1707,1811,1819,1822,1828,1932,1940,1943,1949,2051,2059,2062,2068,2074,2079,2085,2090,2095,2101,2113,2119,2124,2139,2142,2148,2160,2163,2167,2216,2221,2224],{"type":30,"tag":31,"props":1306,"children":1308},{"id":1307},"frais-de-notaire-2026-calcul-exact-pour-un-achat-à-150-000-300-000-et-500-000",[1309],{"type":36,"value":1310},"Frais de notaire 2026 : calcul exact pour un achat à 150 000 €, 300 000 € et 500 000 €",{"type":30,"tag":39,"props":1312,"children":1313},{},[1314],{"type":36,"value":1315},"On les appelle « frais de notaire », mais cette expression est trompeuse : la part qui revient réellement au notaire représente moins d'un quart du total. L'essentiel va directement à l'État et aux collectivités locales. Comprendre ce que vous payez exactement — et pourquoi — vous permet d'anticiper avec précision le budget total de votre acquisition.",{"type":30,"tag":45,"props":1317,"children":1318},{},[],{"type":30,"tag":49,"props":1320,"children":1322},{"id":1321},"ce-que-contiennent-vraiment-les-frais-de-notaire",[1323],{"type":36,"value":1324},"Ce que contiennent vraiment les « frais de notaire »",{"type":30,"tag":39,"props":1326,"children":1327},{},[1328],{"type":36,"value":1329},"Les frais d'acquisition se décomposent en trois catégories distinctes :",{"type":30,"tag":61,"props":1331,"children":1333},{"id":1332},"_1-les-droits-de-mutation-ou-droits-denregistrement",[1334],{"type":36,"value":1335},"1. Les droits de mutation (ou droits d'enregistrement)",{"type":30,"tag":39,"props":1337,"children":1338},{},[1339],{"type":36,"value":1340},"C'est la part la plus lourde, et elle ne va pas au notaire. Ces taxes sont collectées par le notaire pour le compte de l'État et des collectivités territoriales.",{"type":30,"tag":39,"props":1342,"children":1343},{},[1344,1346,1351,1353,1358],{"type":36,"value":1345},"Dans l'",{"type":30,"tag":142,"props":1347,"children":1348},{},[1349],{"type":36,"value":1350},"immobilier ancien",{"type":36,"value":1352},", elles représentent environ ",{"type":30,"tag":142,"props":1354,"children":1355},{},[1356],{"type":36,"value":1357},"5,8 % du prix de vente",{"type":36,"value":1359}," dans la quasi-totalité des départements. Ce taux se décompose ainsi :",{"type":30,"tag":68,"props":1361,"children":1362},{},[1363,1375,1385],{"type":30,"tag":72,"props":1364,"children":1365},{},[1366,1368,1373],{"type":36,"value":1367},"Taxe départementale : ",{"type":30,"tag":142,"props":1369,"children":1370},{},[1371],{"type":36,"value":1372},"4,5 %",{"type":36,"value":1374}," (les départements peuvent descendre à 3,8 % mais presque aucun ne le fait)",{"type":30,"tag":72,"props":1376,"children":1377},{},[1378,1380],{"type":36,"value":1379},"Taxe communale additionnelle : ",{"type":30,"tag":142,"props":1381,"children":1382},{},[1383],{"type":36,"value":1384},"1,2 %",{"type":30,"tag":72,"props":1386,"children":1387},{},[1388,1390],{"type":36,"value":1389},"Frais d'assiette État : ",{"type":30,"tag":142,"props":1391,"children":1392},{},[1393],{"type":36,"value":1394},"0,1099 %",{"type":30,"tag":39,"props":1396,"children":1397},{},[1398,1399,1404,1406,1411],{"type":36,"value":1345},{"type":30,"tag":142,"props":1400,"children":1401},{},[1402],{"type":36,"value":1403},"immobilier neuf",{"type":36,"value":1405}," (VEFA ou construction), les droits de mutation sont réduits à ",{"type":30,"tag":142,"props":1407,"children":1408},{},[1409],{"type":36,"value":1410},"0,715 %",{"type":36,"value":1412}," environ — une différence considérable.",{"type":30,"tag":61,"props":1414,"children":1416},{"id":1415},"_2-les-émoluments-du-notaire",[1417],{"type":36,"value":1418},"2. Les émoluments du notaire",{"type":30,"tag":39,"props":1420,"children":1421},{},[1422,1424,1429],{"type":36,"value":1423},"Ce sont les honoraires réglementés du notaire, calculés selon un ",{"type":30,"tag":142,"props":1425,"children":1426},{},[1427],{"type":36,"value":1428},"barème dégressif",{"type":36,"value":1430}," fixé par décret. Plus le prix de vente est élevé, plus le taux applicable est faible :",{"type":30,"tag":261,"props":1432,"children":1433},{},[1434,1450],{"type":30,"tag":265,"props":1435,"children":1436},{},[1437],{"type":30,"tag":269,"props":1438,"children":1439},{},[1440,1445],{"type":30,"tag":273,"props":1441,"children":1442},{},[1443],{"type":36,"value":1444},"Tranche du prix de vente",{"type":30,"tag":273,"props":1446,"children":1447},{},[1448],{"type":36,"value":1449},"Taux",{"type":30,"tag":284,"props":1451,"children":1452},{},[1453,1466,1479,1492],{"type":30,"tag":269,"props":1454,"children":1455},{},[1456,1461],{"type":30,"tag":291,"props":1457,"children":1458},{},[1459],{"type":36,"value":1460},"De 0 à 6 500 €",{"type":30,"tag":291,"props":1462,"children":1463},{},[1464],{"type":36,"value":1465},"3,870 %",{"type":30,"tag":269,"props":1467,"children":1468},{},[1469,1474],{"type":30,"tag":291,"props":1470,"children":1471},{},[1472],{"type":36,"value":1473},"De 6 500 € à 17 000 €",{"type":30,"tag":291,"props":1475,"children":1476},{},[1477],{"type":36,"value":1478},"1,596 %",{"type":30,"tag":269,"props":1480,"children":1481},{},[1482,1487],{"type":30,"tag":291,"props":1483,"children":1484},{},[1485],{"type":36,"value":1486},"De 17 000 € à 60 000 €",{"type":30,"tag":291,"props":1488,"children":1489},{},[1490],{"type":36,"value":1491},"1,064 %",{"type":30,"tag":269,"props":1493,"children":1494},{},[1495,1500],{"type":30,"tag":291,"props":1496,"children":1497},{},[1498],{"type":36,"value":1499},"Au-delà de 60 000 €",{"type":30,"tag":291,"props":1501,"children":1502},{},[1503],{"type":36,"value":1504},"0,799 %",{"type":30,"tag":39,"props":1506,"children":1507},{},[1508],{"type":36,"value":1509},"Chaque tranche s'applique indépendamment, comme les tranches de l'impôt sur le revenu. À 300 000 €, les émoluments de vente représentent environ 2 800 €.",{"type":30,"tag":61,"props":1511,"children":1513},{"id":1512},"_3-les-débours-et-la-contribution-de-sécurité-immobilière",[1514],{"type":36,"value":1515},"3. Les débours et la contribution de sécurité immobilière",{"type":30,"tag":39,"props":1517,"children":1518},{},[1519,1521,1526],{"type":36,"value":1520},"Les débours sont les frais avancés par le notaire pour votre compte : frais de cadastre, d'état civil, de renseignements d'urbanisme, de publication au service de la publicité foncière. Ils sont généralement compris entre ",{"type":30,"tag":142,"props":1522,"children":1523},{},[1524],{"type":36,"value":1525},"700 et 1 200 €",{"type":36,"value":1527}," quelle que soit la taille de la transaction.",{"type":30,"tag":39,"props":1529,"children":1530},{},[1531,1533,1538,1540,1545],{"type":36,"value":1532},"La ",{"type":30,"tag":142,"props":1534,"children":1535},{},[1536],{"type":36,"value":1537},"contribution de sécurité immobilière",{"type":36,"value":1539}," (anciennement salaire du conservateur des hypothèques) s'élève à ",{"type":30,"tag":142,"props":1541,"children":1542},{},[1543],{"type":36,"value":1544},"0,1 % du prix de vente",{"type":36,"value":1546},", avec un minimum de 15 €.",{"type":30,"tag":45,"props":1548,"children":1549},{},[],{"type":30,"tag":49,"props":1551,"children":1553},{"id":1552},"exemples-chiffrés-ce-que-vous-allez-payer",[1554],{"type":36,"value":1555},"Exemples chiffrés : ce que vous allez payer",{"type":30,"tag":61,"props":1557,"children":1559},{"id":1558},"achat-dans-lancien-à-150-000",[1560],{"type":36,"value":1561},"Achat dans l'ancien à 150 000 €",{"type":30,"tag":261,"props":1563,"children":1564},{},[1565,1581],{"type":30,"tag":265,"props":1566,"children":1567},{},[1568],{"type":30,"tag":269,"props":1569,"children":1570},{},[1571,1576],{"type":30,"tag":273,"props":1572,"children":1573},{},[1574],{"type":36,"value":1575},"Poste",{"type":30,"tag":273,"props":1577,"children":1578},{},[1579],{"type":36,"value":1580},"Montant",{"type":30,"tag":284,"props":1582,"children":1583},{},[1584,1597,1610,1623,1636,1655],{"type":30,"tag":269,"props":1585,"children":1586},{},[1587,1592],{"type":30,"tag":291,"props":1588,"children":1589},{},[1590],{"type":36,"value":1591},"Droits de mutation (~5,8 %)",{"type":30,"tag":291,"props":1593,"children":1594},{},[1595],{"type":36,"value":1596},"8 700 €",{"type":30,"tag":269,"props":1598,"children":1599},{},[1600,1605],{"type":30,"tag":291,"props":1601,"children":1602},{},[1603],{"type":36,"value":1604},"Émoluments notaire",{"type":30,"tag":291,"props":1606,"children":1607},{},[1608],{"type":36,"value":1609},"1 850 €",{"type":30,"tag":269,"props":1611,"children":1612},{},[1613,1618],{"type":30,"tag":291,"props":1614,"children":1615},{},[1616],{"type":36,"value":1617},"Débours",{"type":30,"tag":291,"props":1619,"children":1620},{},[1621],{"type":36,"value":1622},"900 €",{"type":30,"tag":269,"props":1624,"children":1625},{},[1626,1631],{"type":30,"tag":291,"props":1627,"children":1628},{},[1629],{"type":36,"value":1630},"Contribution sécurité immobilière",{"type":30,"tag":291,"props":1632,"children":1633},{},[1634],{"type":36,"value":1635},"150 €",{"type":30,"tag":269,"props":1637,"children":1638},{},[1639,1647],{"type":30,"tag":291,"props":1640,"children":1641},{},[1642],{"type":30,"tag":142,"props":1643,"children":1644},{},[1645],{"type":36,"value":1646},"Total frais",{"type":30,"tag":291,"props":1648,"children":1649},{},[1650],{"type":30,"tag":142,"props":1651,"children":1652},{},[1653],{"type":36,"value":1654},"~11 600 €",{"type":30,"tag":269,"props":1656,"children":1657},{},[1658,1666],{"type":30,"tag":291,"props":1659,"children":1660},{},[1661],{"type":30,"tag":142,"props":1662,"children":1663},{},[1664],{"type":36,"value":1665},"Prix total",{"type":30,"tag":291,"props":1667,"children":1668},{},[1669],{"type":30,"tag":142,"props":1670,"children":1671},{},[1672],{"type":36,"value":1673},"~161 600 €",{"type":30,"tag":39,"props":1675,"children":1676},{},[1677],{"type":30,"tag":1678,"props":1679,"children":1680},"em",{},[1681],{"type":36,"value":1682},"Taux effectif de frais : 7,7 %",{"type":30,"tag":488,"props":1684,"children":1685},{},[1686],{"type":30,"tag":39,"props":1687,"children":1688},{},[1689,1691,1696],{"type":36,"value":1690},"Pour calculer votre capacité d'emprunt en intégrant ces frais, utilisez notre guide sur le ",{"type":30,"tag":497,"props":1692,"children":1693},{"href":609},[1694],{"type":36,"value":1695},"taux d'endettement et capacité d'emprunt 2026",{"type":36,"value":1697},".",{"type":30,"tag":45,"props":1699,"children":1700},{},[],{"type":30,"tag":61,"props":1702,"children":1704},{"id":1703},"achat-dans-lancien-à-300-000",[1705],{"type":36,"value":1706},"Achat dans l'ancien à 300 000 €",{"type":30,"tag":261,"props":1708,"children":1709},{},[1710,1724],{"type":30,"tag":265,"props":1711,"children":1712},{},[1713],{"type":30,"tag":269,"props":1714,"children":1715},{},[1716,1720],{"type":30,"tag":273,"props":1717,"children":1718},{},[1719],{"type":36,"value":1575},{"type":30,"tag":273,"props":1721,"children":1722},{},[1723],{"type":36,"value":1580},{"type":30,"tag":284,"props":1725,"children":1726},{},[1727,1739,1751,1763,1775,1793],{"type":30,"tag":269,"props":1728,"children":1729},{},[1730,1734],{"type":30,"tag":291,"props":1731,"children":1732},{},[1733],{"type":36,"value":1591},{"type":30,"tag":291,"props":1735,"children":1736},{},[1737],{"type":36,"value":1738},"17 400 €",{"type":30,"tag":269,"props":1740,"children":1741},{},[1742,1746],{"type":30,"tag":291,"props":1743,"children":1744},{},[1745],{"type":36,"value":1604},{"type":30,"tag":291,"props":1747,"children":1748},{},[1749],{"type":36,"value":1750},"2 800 €",{"type":30,"tag":269,"props":1752,"children":1753},{},[1754,1758],{"type":30,"tag":291,"props":1755,"children":1756},{},[1757],{"type":36,"value":1617},{"type":30,"tag":291,"props":1759,"children":1760},{},[1761],{"type":36,"value":1762},"1 000 €",{"type":30,"tag":269,"props":1764,"children":1765},{},[1766,1770],{"type":30,"tag":291,"props":1767,"children":1768},{},[1769],{"type":36,"value":1630},{"type":30,"tag":291,"props":1771,"children":1772},{},[1773],{"type":36,"value":1774},"300 €",{"type":30,"tag":269,"props":1776,"children":1777},{},[1778,1785],{"type":30,"tag":291,"props":1779,"children":1780},{},[1781],{"type":30,"tag":142,"props":1782,"children":1783},{},[1784],{"type":36,"value":1646},{"type":30,"tag":291,"props":1786,"children":1787},{},[1788],{"type":30,"tag":142,"props":1789,"children":1790},{},[1791],{"type":36,"value":1792},"~21 500 €",{"type":30,"tag":269,"props":1794,"children":1795},{},[1796,1803],{"type":30,"tag":291,"props":1797,"children":1798},{},[1799],{"type":30,"tag":142,"props":1800,"children":1801},{},[1802],{"type":36,"value":1665},{"type":30,"tag":291,"props":1804,"children":1805},{},[1806],{"type":30,"tag":142,"props":1807,"children":1808},{},[1809],{"type":36,"value":1810},"~321 500 €",{"type":30,"tag":39,"props":1812,"children":1813},{},[1814],{"type":30,"tag":1678,"props":1815,"children":1816},{},[1817],{"type":36,"value":1818},"Taux effectif de frais : 7,2 %",{"type":30,"tag":45,"props":1820,"children":1821},{},[],{"type":30,"tag":61,"props":1823,"children":1825},{"id":1824},"achat-dans-lancien-à-500-000",[1826],{"type":36,"value":1827},"Achat dans l'ancien à 500 000 €",{"type":30,"tag":261,"props":1829,"children":1830},{},[1831,1845],{"type":30,"tag":265,"props":1832,"children":1833},{},[1834],{"type":30,"tag":269,"props":1835,"children":1836},{},[1837,1841],{"type":30,"tag":273,"props":1838,"children":1839},{},[1840],{"type":36,"value":1575},{"type":30,"tag":273,"props":1842,"children":1843},{},[1844],{"type":36,"value":1580},{"type":30,"tag":284,"props":1846,"children":1847},{},[1848,1860,1872,1884,1896,1914],{"type":30,"tag":269,"props":1849,"children":1850},{},[1851,1855],{"type":30,"tag":291,"props":1852,"children":1853},{},[1854],{"type":36,"value":1591},{"type":30,"tag":291,"props":1856,"children":1857},{},[1858],{"type":36,"value":1859},"29 000 €",{"type":30,"tag":269,"props":1861,"children":1862},{},[1863,1867],{"type":30,"tag":291,"props":1864,"children":1865},{},[1866],{"type":36,"value":1604},{"type":30,"tag":291,"props":1868,"children":1869},{},[1870],{"type":36,"value":1871},"4 300 €",{"type":30,"tag":269,"props":1873,"children":1874},{},[1875,1879],{"type":30,"tag":291,"props":1876,"children":1877},{},[1878],{"type":36,"value":1617},{"type":30,"tag":291,"props":1880,"children":1881},{},[1882],{"type":36,"value":1883},"1 100 €",{"type":30,"tag":269,"props":1885,"children":1886},{},[1887,1891],{"type":30,"tag":291,"props":1888,"children":1889},{},[1890],{"type":36,"value":1630},{"type":30,"tag":291,"props":1892,"children":1893},{},[1894],{"type":36,"value":1895},"500 €",{"type":30,"tag":269,"props":1897,"children":1898},{},[1899,1906],{"type":30,"tag":291,"props":1900,"children":1901},{},[1902],{"type":30,"tag":142,"props":1903,"children":1904},{},[1905],{"type":36,"value":1646},{"type":30,"tag":291,"props":1907,"children":1908},{},[1909],{"type":30,"tag":142,"props":1910,"children":1911},{},[1912],{"type":36,"value":1913},"~34 900 €",{"type":30,"tag":269,"props":1915,"children":1916},{},[1917,1924],{"type":30,"tag":291,"props":1918,"children":1919},{},[1920],{"type":30,"tag":142,"props":1921,"children":1922},{},[1923],{"type":36,"value":1665},{"type":30,"tag":291,"props":1925,"children":1926},{},[1927],{"type":30,"tag":142,"props":1928,"children":1929},{},[1930],{"type":36,"value":1931},"~534 900 €",{"type":30,"tag":39,"props":1933,"children":1934},{},[1935],{"type":30,"tag":1678,"props":1936,"children":1937},{},[1938],{"type":36,"value":1939},"Taux effectif de frais : 7,0 %",{"type":30,"tag":45,"props":1941,"children":1942},{},[],{"type":30,"tag":61,"props":1944,"children":1946},{"id":1945},"achat-dans-le-neuf-à-300-000",[1947],{"type":36,"value":1948},"Achat dans le neuf à 300 000 €",{"type":30,"tag":261,"props":1950,"children":1951},{},[1952,1966],{"type":30,"tag":265,"props":1953,"children":1954},{},[1955],{"type":30,"tag":269,"props":1956,"children":1957},{},[1958,1962],{"type":30,"tag":273,"props":1959,"children":1960},{},[1961],{"type":36,"value":1575},{"type":30,"tag":273,"props":1963,"children":1964},{},[1965],{"type":36,"value":1580},{"type":30,"tag":284,"props":1967,"children":1968},{},[1969,1982,1993,2004,2015,2033],{"type":30,"tag":269,"props":1970,"children":1971},{},[1972,1977],{"type":30,"tag":291,"props":1973,"children":1974},{},[1975],{"type":36,"value":1976},"Droits de mutation réduits (~0,715 %)",{"type":30,"tag":291,"props":1978,"children":1979},{},[1980],{"type":36,"value":1981},"2 145 €",{"type":30,"tag":269,"props":1983,"children":1984},{},[1985,1989],{"type":30,"tag":291,"props":1986,"children":1987},{},[1988],{"type":36,"value":1604},{"type":30,"tag":291,"props":1990,"children":1991},{},[1992],{"type":36,"value":1750},{"type":30,"tag":269,"props":1994,"children":1995},{},[1996,2000],{"type":30,"tag":291,"props":1997,"children":1998},{},[1999],{"type":36,"value":1617},{"type":30,"tag":291,"props":2001,"children":2002},{},[2003],{"type":36,"value":1762},{"type":30,"tag":269,"props":2005,"children":2006},{},[2007,2011],{"type":30,"tag":291,"props":2008,"children":2009},{},[2010],{"type":36,"value":1630},{"type":30,"tag":291,"props":2012,"children":2013},{},[2014],{"type":36,"value":1774},{"type":30,"tag":269,"props":2016,"children":2017},{},[2018,2025],{"type":30,"tag":291,"props":2019,"children":2020},{},[2021],{"type":30,"tag":142,"props":2022,"children":2023},{},[2024],{"type":36,"value":1646},{"type":30,"tag":291,"props":2026,"children":2027},{},[2028],{"type":30,"tag":142,"props":2029,"children":2030},{},[2031],{"type":36,"value":2032},"~6 245 €",{"type":30,"tag":269,"props":2034,"children":2035},{},[2036,2043],{"type":30,"tag":291,"props":2037,"children":2038},{},[2039],{"type":30,"tag":142,"props":2040,"children":2041},{},[2042],{"type":36,"value":1665},{"type":30,"tag":291,"props":2044,"children":2045},{},[2046],{"type":30,"tag":142,"props":2047,"children":2048},{},[2049],{"type":36,"value":2050},"~306 245 €",{"type":30,"tag":39,"props":2052,"children":2053},{},[2054],{"type":30,"tag":1678,"props":2055,"children":2056},{},[2057],{"type":36,"value":2058},"Taux effectif de frais : 2,1 % — soit 4 fois moins que dans l'ancien",{"type":30,"tag":45,"props":2060,"children":2061},{},[],{"type":30,"tag":49,"props":2063,"children":2065},{"id":2064},"peut-on-réduire-les-frais-de-notaire",[2066],{"type":36,"value":2067},"Peut-on réduire les frais de notaire ?",{"type":30,"tag":61,"props":2069,"children":2071},{"id":2070},"ce-qui-ne-se-négocie-pas",[2072],{"type":36,"value":2073},"Ce qui ne se négocie pas",{"type":30,"tag":39,"props":2075,"children":2076},{},[2077],{"type":36,"value":2078},"Les droits de mutation sont fixés par la loi — ils ne se négocient pas. La contribution de sécurité immobilière non plus. En revanche, il existe deux leviers légaux.",{"type":30,"tag":61,"props":2080,"children":2082},{"id":2081},"déduire-le-prix-du-mobilier",[2083],{"type":36,"value":2084},"Déduire le prix du mobilier",{"type":30,"tag":39,"props":2086,"children":2087},{},[2088],{"type":36,"value":2089},"Lorsqu'une vente comprend des biens mobiliers (cuisine équipée, luminaires, électroménager, volets motorisés…), leur valeur peut être soustraite du prix immobilier sur lequel les droits de mutation sont calculés. Cette déduction est légale à condition que les biens soient listés dans l'acte avec une valeur raisonnable et justifiable.",{"type":30,"tag":39,"props":2091,"children":2092},{},[2093],{"type":36,"value":2094},"Par exemple, une cuisine estimée à 10 000 € dans un bien vendu 300 000 € réduit la base de calcul des droits de mutation à 290 000 €, soit une économie d'environ 580 €.",{"type":30,"tag":61,"props":2096,"children":2098},{"id":2097},"négocier-les-émoluments-au-delà-de-150-000",[2099],{"type":36,"value":2100},"Négocier les émoluments au-delà de 150 000 €",{"type":30,"tag":39,"props":2102,"children":2103},{},[2104,2106,2111],{"type":36,"value":2105},"Depuis 2016, les notaires peuvent ",{"type":30,"tag":142,"props":2107,"children":2108},{},[2109],{"type":36,"value":2110},"réduire leurs émoluments de 10 % maximum",{"type":36,"value":2112}," sur les transactions dépassant 150 000 €. Cette remise est facultative et à leur discrétion — mais rien ne vous empêche de la demander, surtout pour les transactions importantes.",{"type":30,"tag":61,"props":2114,"children":2116},{"id":2115},"choisir-le-bon-moment-pour-un-neuf",[2117],{"type":36,"value":2118},"Choisir le bon moment pour un neuf",{"type":30,"tag":39,"props":2120,"children":2121},{},[2122],{"type":36,"value":2123},"Si votre projet peut s'orienter vers le neuf ou la VEFA, les frais réduits représentent une économie substantielle (souvent 15 000 à 20 000 € sur un bien à 300 000 €) qui peut compenser partiellement un prix d'achat plus élevé au m².",{"type":30,"tag":488,"props":2125,"children":2126},{},[2127],{"type":30,"tag":39,"props":2128,"children":2129},{},[2130,2132,2138],{"type":36,"value":2131},"Rappel : les frais de notaire font partie du prix de revient pour le calcul de la plus-value immobilière. Voir notre ",{"type":30,"tag":497,"props":2133,"children":2135},{"href":2134},"/articles/plus-value-immobiliere-guide",[2136],{"type":36,"value":2137},"guide sur la plus-value immobilière 2025",{"type":36,"value":1697},{"type":30,"tag":45,"props":2140,"children":2141},{},[],{"type":30,"tag":49,"props":2143,"children":2145},{"id":2144},"ce-que-frais-offerts-veut-vraiment-dire",[2146],{"type":36,"value":2147},"Ce que « frais offerts » veut vraiment dire",{"type":30,"tag":39,"props":2149,"children":2150},{},[2151,2153,2158],{"type":36,"value":2152},"Certains promoteurs immobiliers proposent des offres avec « frais de notaire offerts ». Dans les faits, ils prennent en charge leurs propres émoluments et les débours — mais ",{"type":30,"tag":142,"props":2154,"children":2155},{},[2156],{"type":36,"value":2157},"les droits de mutation restent à votre charge",{"type":36,"value":2159},", même si réduits. Vérifiez toujours le détail du financement avant de signer.",{"type":30,"tag":45,"props":2161,"children":2162},{},[],{"type":30,"tag":49,"props":2164,"children":2165},{"id":590},[2166],{"type":36,"value":593},{"type":30,"tag":68,"props":2168,"children":2169},{},[2170,2188,2206,2211],{"type":30,"tag":72,"props":2171,"children":2172},{},[2173,2174,2179,2181,2186],{"type":36,"value":1345},{"type":30,"tag":142,"props":2175,"children":2176},{},[2177],{"type":36,"value":2178},"ancien",{"type":36,"value":2180},", comptez entre ",{"type":30,"tag":142,"props":2182,"children":2183},{},[2184],{"type":36,"value":2185},"7 et 8 % du prix d'achat",{"type":36,"value":2187}," en frais d'acquisition.",{"type":30,"tag":72,"props":2189,"children":2190},{},[2191,2193,2198,2199,2204],{"type":36,"value":2192},"Dans le ",{"type":30,"tag":142,"props":2194,"children":2195},{},[2196],{"type":36,"value":2197},"neuf",{"type":36,"value":2180},{"type":30,"tag":142,"props":2200,"children":2201},{},[2202],{"type":36,"value":2203},"2 et 2,5 %",{"type":36,"value":2205}," — quatre fois moins.",{"type":30,"tag":72,"props":2207,"children":2208},{},[2209],{"type":36,"value":2210},"La part du notaire représente moins du quart du total ; le reste va à l'État et aux collectivités.",{"type":30,"tag":72,"props":2212,"children":2213},{},[2214],{"type":36,"value":2215},"Déduire le mobilier et négocier les émoluments au-delà de 150 000 € sont les seuls leviers légaux disponibles.",{"type":30,"tag":39,"props":2217,"children":2218},{},[2219],{"type":36,"value":2220},"Utilisez notre simulateur pour obtenir une estimation précise selon le prix de votre bien et votre département.",{"type":30,"tag":45,"props":2222,"children":2223},{},[],{"type":30,"tag":39,"props":2225,"children":2226},{},[2227,2231,2232,2237,2239,2246],{"type":30,"tag":142,"props":2228,"children":2229},{},[2230],{"type":36,"value":567},{"type":36,"value":569},{"type":30,"tag":497,"props":2233,"children":2234},{"href":609},[2235],{"type":36,"value":2236},"Taux d'endettement 2026",{"type":36,"value":2238}," — calculez le montant que vous pouvez emprunter pour votre acquisition, frais inclus. Utilisez aussi notre ",{"type":30,"tag":497,"props":2240,"children":2243},{"href":2241,"rel":2242},"https://estimateur.net/simulateurs/estimation-capacite-emprunt-immobilier",[769],[2244],{"type":36,"value":2245},"simulateur de capacité d'emprunt",{"type":36,"value":2247}," pour intégrer ces frais dans votre budget total.",{"title":8,"searchDepth":621,"depth":621,"links":2249},[2250,2255,2261,2267,2268],{"id":1321,"depth":621,"text":1324,"children":2251},[2252,2253,2254],{"id":1332,"depth":626,"text":1335},{"id":1415,"depth":626,"text":1418},{"id":1512,"depth":626,"text":1515},{"id":1552,"depth":621,"text":1555,"children":2256},[2257,2258,2259,2260],{"id":1558,"depth":626,"text":1561},{"id":1703,"depth":626,"text":1706},{"id":1824,"depth":626,"text":1827},{"id":1945,"depth":626,"text":1948},{"id":2064,"depth":621,"text":2067,"children":2262},[2263,2264,2265,2266],{"id":2070,"depth":626,"text":2073},{"id":2081,"depth":626,"text":2084},{"id":2097,"depth":626,"text":2100},{"id":2115,"depth":626,"text":2118},{"id":2144,"depth":621,"text":2147},{"id":590,"depth":621,"text":593},"content:articles:frais-de-notaire-2026.md","articles/frais-de-notaire-2026.md","articles/frais-de-notaire-2026",{"_path":609,"_dir":6,"_draft":7,"_partial":7,"_locale":8,"title":2273,"description":2274,"date":11,"updatedAt":11,"category":12,"tags":2275,"readingTime":1293,"summary":2282,"author":21,"relatedSimulator":2287,"body":2291,"_type":639,"_id":3097,"_source":641,"_file":3098,"_stem":3099,"_extension":644},"Taux d'endettement 2026 : calculer sa capacité d'emprunt","Règle des 35 % du HCSF, charges retenues par la banque et estimation du montant maximum empruntable selon votre salaire.",[2276,2277,2278,2279,2280,2281],"taux endettement 2026","capacité emprunt immobilier","règle 35 % HCSF","salaire minimum pour emprunter","calcul mensualité crédit immobilier","reste à vivre banque",[2283,2284,2285,2286],"La règle HCSF impose un plafond strict de 35 % de taux d'endettement, assurance emprunteur incluse — les banques ne peuvent y déroger que dans 20 % des dossiers.","Les banques retiennent vos revenus nets avant impôt, en intégrant les primes régulières et 70 % des revenus locatifs (les 30 % restants couvrent la vacance et les charges).","Le reste à vivre et le saut de charges influencent aussi la décision finale, au-delà du seul ratio de 35 %.","Un apport personnel couvrant au minimum les frais de notaire (7–8 % dans l'ancien) est généralement exigé pour obtenir un financement.",{"title":2288,"path":2289,"icon":2290},"Simulateur capacité d'emprunt","/simulateurs/estimation-capacite-emprunt-immobilier","🏦",{"type":27,"children":2292,"toc":3082},[2293,2299,2311,2314,2320,2325,2336,2348,2353,2356,2362,2367,2375,2425,2433,2451,2454,2460,2465,2629,2634,2637,2643,2651,2821,2832,2846,2849,2855,2866,2871,2904,2909,2912,2918,2924,2929,2935,2940,2946,2951,2957,2962,2965,2971,2976,2992,2995,2998,3012,3015,3019,3077],{"type":30,"tag":31,"props":2294,"children":2296},{"id":2295},"taux-dendettement-2026-comment-calculer-votre-capacité-demprunt-exacte",[2297],{"type":36,"value":2298},"Taux d'endettement 2026 : comment calculer votre capacité d'emprunt exacte ?",{"type":30,"tag":39,"props":2300,"children":2301},{},[2302,2304,2309],{"type":36,"value":2303},"Avant même de visiter un bien, les banques calculent votre taux d'endettement pour décider si elles peuvent vous prêter — et combien. Ce ratio est encadré depuis 2021 par une règle stricte du Haut Conseil de Stabilité Financière (HCSF) : pas plus de ",{"type":30,"tag":142,"props":2305,"children":2306},{},[2307],{"type":36,"value":2308},"35 % des revenus nets",{"type":36,"value":2310}," consacrés au remboursement de crédits. Voici comment ce calcul fonctionne dans la pratique, et comment maximiser votre capacité d'emprunt légalement.",{"type":30,"tag":45,"props":2312,"children":2313},{},[],{"type":30,"tag":49,"props":2315,"children":2317},{"id":2316},"la-règle-des-35-ce-quelle-signifie-exactement",[2318],{"type":36,"value":2319},"La règle des 35 % : ce qu'elle signifie exactement",{"type":30,"tag":39,"props":2321,"children":2322},{},[2323],{"type":36,"value":2324},"Le taux d'endettement se calcule ainsi :",{"type":30,"tag":488,"props":2326,"children":2327},{},[2328],{"type":30,"tag":39,"props":2329,"children":2330},{},[2331],{"type":30,"tag":142,"props":2332,"children":2333},{},[2334],{"type":36,"value":2335},"Taux d'endettement = (Total des charges de crédit mensuelles) ÷ (Revenus nets mensuels) × 100",{"type":30,"tag":39,"props":2337,"children":2338},{},[2339,2341,2346],{"type":36,"value":2340},"La limite réglementaire est fixée à ",{"type":30,"tag":142,"props":2342,"children":2343},{},[2344],{"type":36,"value":2345},"35 %, assurance emprunteur comprise",{"type":36,"value":2347},". Au-delà de ce seuil, les banques ne peuvent accorder le prêt que dans une proportion limitée de leur production (environ 20 % des dossiers, réservés aux primo-accédants et aux résidences principales).",{"type":30,"tag":39,"props":2349,"children":2350},{},[2351],{"type":36,"value":2352},"Ce plafond est une norme prudentielle, pas une interdiction absolue — mais dans les faits, la quasi-totalité des banques refusent les dossiers dépassant 35 % sans justification solide.",{"type":30,"tag":45,"props":2354,"children":2355},{},[],{"type":30,"tag":49,"props":2357,"children":2359},{"id":2358},"ce-que-la-banque-compte-comme-charges",[2360],{"type":36,"value":2361},"Ce que la banque compte comme \"charges\"",{"type":30,"tag":39,"props":2363,"children":2364},{},[2365],{"type":36,"value":2366},"C'est ici que beaucoup de candidats à l'emprunt sont surpris. Les charges retenues ne se limitent pas au futur crédit immobilier.",{"type":30,"tag":39,"props":2368,"children":2369},{},[2370],{"type":30,"tag":142,"props":2371,"children":2372},{},[2373],{"type":36,"value":2374},"Charges incluses dans le calcul :",{"type":30,"tag":68,"props":2376,"children":2377},{},[2378,2390,2402,2414],{"type":30,"tag":72,"props":2379,"children":2380},{},[2381,2383,2388],{"type":36,"value":2382},"Le ",{"type":30,"tag":142,"props":2384,"children":2385},{},[2386],{"type":36,"value":2387},"crédit immobilier demandé",{"type":36,"value":2389},", assurance incluse",{"type":30,"tag":72,"props":2391,"children":2392},{},[2393,2395,2400],{"type":36,"value":2394},"Tous les ",{"type":30,"tag":142,"props":2396,"children":2397},{},[2398],{"type":36,"value":2399},"crédits en cours",{"type":36,"value":2401}," : crédit auto, crédit conso, LOA (leasing)",{"type":30,"tag":72,"props":2403,"children":2404},{},[2405,2407,2412],{"type":36,"value":2406},"Les ",{"type":30,"tag":142,"props":2408,"children":2409},{},[2410],{"type":36,"value":2411},"pensions alimentaires versées",{"type":36,"value":2413},", fixées par jugement",{"type":30,"tag":72,"props":2415,"children":2416},{},[2417,2418,2423],{"type":36,"value":2406},{"type":30,"tag":142,"props":2419,"children":2420},{},[2421],{"type":36,"value":2422},"loyers de résidence secondaire",{"type":36,"value":2424}," si ce bien n'est pas vendu avant le prêt",{"type":30,"tag":39,"props":2426,"children":2427},{},[2428],{"type":30,"tag":142,"props":2429,"children":2430},{},[2431],{"type":36,"value":2432},"Ce qui n'est pas compté comme charge :",{"type":30,"tag":68,"props":2434,"children":2435},{},[2436,2441,2446],{"type":30,"tag":72,"props":2437,"children":2438},{},[2439],{"type":36,"value":2440},"Le loyer actuel de votre résidence principale (il sera remplacé par la mensualité)",{"type":30,"tag":72,"props":2442,"children":2443},{},[2444],{"type":36,"value":2445},"Les abonnements téléphone, assurances habitation, etc.",{"type":30,"tag":72,"props":2447,"children":2448},{},[2449],{"type":36,"value":2450},"Les pensions alimentaires reçues (elles vont au contraire dans les revenus)",{"type":30,"tag":45,"props":2452,"children":2453},{},[],{"type":30,"tag":49,"props":2455,"children":2457},{"id":2456},"ce-que-la-banque-compte-comme-revenus",[2458],{"type":36,"value":2459},"Ce que la banque compte comme \"revenus\"",{"type":30,"tag":39,"props":2461,"children":2462},{},[2463],{"type":36,"value":2464},"Les banques ne retiennent pas tous vos revenus de la même façon.",{"type":30,"tag":261,"props":2466,"children":2467},{},[2468,2489],{"type":30,"tag":265,"props":2469,"children":2470},{},[2471],{"type":30,"tag":269,"props":2472,"children":2473},{},[2474,2479,2484],{"type":30,"tag":273,"props":2475,"children":2476},{},[2477],{"type":36,"value":2478},"Type de revenu",{"type":30,"tag":273,"props":2480,"children":2481},{},[2482],{"type":36,"value":2483},"Pris en compte",{"type":30,"tag":273,"props":2485,"children":2486},{},[2487],{"type":36,"value":2488},"À quel taux",{"type":30,"tag":284,"props":2490,"children":2491},{},[2492,2510,2526,2544,2562,2580,2596,2612],{"type":30,"tag":269,"props":2493,"children":2494},{},[2495,2500,2505],{"type":30,"tag":291,"props":2496,"children":2497},{},[2498],{"type":36,"value":2499},"Salaire CDI net imposable",{"type":30,"tag":291,"props":2501,"children":2502},{},[2503],{"type":36,"value":2504},"Oui",{"type":30,"tag":291,"props":2506,"children":2507},{},[2508],{"type":36,"value":2509},"100 %",{"type":30,"tag":269,"props":2511,"children":2512},{},[2513,2518,2522],{"type":30,"tag":291,"props":2514,"children":2515},{},[2516],{"type":36,"value":2517},"Salaire fonctionnaire",{"type":30,"tag":291,"props":2519,"children":2520},{},[2521],{"type":36,"value":2504},{"type":30,"tag":291,"props":2523,"children":2524},{},[2525],{"type":36,"value":2509},{"type":30,"tag":269,"props":2527,"children":2528},{},[2529,2534,2539],{"type":30,"tag":291,"props":2530,"children":2531},{},[2532],{"type":36,"value":2533},"Salaire CDD / intérim",{"type":30,"tag":291,"props":2535,"children":2536},{},[2537],{"type":36,"value":2538},"Parfois",{"type":30,"tag":291,"props":2540,"children":2541},{},[2542],{"type":36,"value":2543},"0 à 70 % selon ancienneté",{"type":30,"tag":269,"props":2545,"children":2546},{},[2547,2552,2557],{"type":30,"tag":291,"props":2548,"children":2549},{},[2550],{"type":36,"value":2551},"Revenus locatifs",{"type":30,"tag":291,"props":2553,"children":2554},{},[2555],{"type":36,"value":2556},"Oui (avec décote)",{"type":30,"tag":291,"props":2558,"children":2559},{},[2560],{"type":36,"value":2561},"70 %",{"type":30,"tag":269,"props":2563,"children":2564},{},[2565,2570,2575],{"type":30,"tag":291,"props":2566,"children":2567},{},[2568],{"type":36,"value":2569},"Allocations chômage",{"type":30,"tag":291,"props":2571,"children":2572},{},[2573],{"type":36,"value":2574},"Non",{"type":30,"tag":291,"props":2576,"children":2577},{},[2578],{"type":36,"value":2579},"0 %",{"type":30,"tag":269,"props":2581,"children":2582},{},[2583,2588,2592],{"type":30,"tag":291,"props":2584,"children":2585},{},[2586],{"type":36,"value":2587},"Allocations familiales",{"type":30,"tag":291,"props":2589,"children":2590},{},[2591],{"type":36,"value":2574},{"type":30,"tag":291,"props":2593,"children":2594},{},[2595],{"type":36,"value":2579},{"type":30,"tag":269,"props":2597,"children":2598},{},[2599,2604,2608],{"type":30,"tag":291,"props":2600,"children":2601},{},[2602],{"type":36,"value":2603},"Pension alimentaire reçue",{"type":30,"tag":291,"props":2605,"children":2606},{},[2607],{"type":36,"value":2504},{"type":30,"tag":291,"props":2609,"children":2610},{},[2611],{"type":36,"value":2509},{"type":30,"tag":269,"props":2613,"children":2614},{},[2615,2620,2625],{"type":30,"tag":291,"props":2616,"children":2617},{},[2618],{"type":36,"value":2619},"Revenus auto-entrepreneur",{"type":30,"tag":291,"props":2621,"children":2622},{},[2623],{"type":36,"value":2624},"Oui (moyenne 3 ans)",{"type":30,"tag":291,"props":2626,"children":2627},{},[2628],{"type":36,"value":2509},{"type":30,"tag":39,"props":2630,"children":2631},{},[2632],{"type":36,"value":2633},"Les revenus locatifs sont retenus à 70 % pour tenir compte des vacances locatives et charges non récupérables.",{"type":30,"tag":45,"props":2635,"children":2636},{},[],{"type":30,"tag":49,"props":2638,"children":2640},{"id":2639},"tableau-combien-pouvez-vous-emprunter-selon-votre-salaire",[2641],{"type":36,"value":2642},"Tableau : combien pouvez-vous emprunter selon votre salaire ?",{"type":30,"tag":39,"props":2644,"children":2645},{},[2646],{"type":30,"tag":1678,"props":2647,"children":2648},{},[2649],{"type":36,"value":2650},"Hypothèses : taux d'intérêt 3,5 %, durée 25 ans, assurance 0,25 %, pas d'autres crédits en cours.",{"type":30,"tag":261,"props":2652,"children":2653},{},[2654,2675],{"type":30,"tag":265,"props":2655,"children":2656},{},[2657],{"type":30,"tag":269,"props":2658,"children":2659},{},[2660,2665,2670],{"type":30,"tag":273,"props":2661,"children":2662},{},[2663],{"type":36,"value":2664},"Salaire net mensuel",{"type":30,"tag":273,"props":2666,"children":2667},{},[2668],{"type":36,"value":2669},"Mensualité max (35 %)",{"type":30,"tag":273,"props":2671,"children":2672},{},[2673],{"type":36,"value":2674},"Capacité d'emprunt",{"type":30,"tag":284,"props":2676,"children":2677},{},[2678,2696,2714,2732,2750,2768,2786,2804],{"type":30,"tag":269,"props":2679,"children":2680},{},[2681,2686,2691],{"type":30,"tag":291,"props":2682,"children":2683},{},[2684],{"type":36,"value":2685},"2 000 €",{"type":30,"tag":291,"props":2687,"children":2688},{},[2689],{"type":36,"value":2690},"700 €",{"type":30,"tag":291,"props":2692,"children":2693},{},[2694],{"type":36,"value":2695},"~124 000 €",{"type":30,"tag":269,"props":2697,"children":2698},{},[2699,2704,2709],{"type":30,"tag":291,"props":2700,"children":2701},{},[2702],{"type":36,"value":2703},"2 500 €",{"type":30,"tag":291,"props":2705,"children":2706},{},[2707],{"type":36,"value":2708},"875 €",{"type":30,"tag":291,"props":2710,"children":2711},{},[2712],{"type":36,"value":2713},"~155 000 €",{"type":30,"tag":269,"props":2715,"children":2716},{},[2717,2722,2727],{"type":30,"tag":291,"props":2718,"children":2719},{},[2720],{"type":36,"value":2721},"3 000 €",{"type":30,"tag":291,"props":2723,"children":2724},{},[2725],{"type":36,"value":2726},"1 050 €",{"type":30,"tag":291,"props":2728,"children":2729},{},[2730],{"type":36,"value":2731},"~186 000 €",{"type":30,"tag":269,"props":2733,"children":2734},{},[2735,2740,2745],{"type":30,"tag":291,"props":2736,"children":2737},{},[2738],{"type":36,"value":2739},"3 500 €",{"type":30,"tag":291,"props":2741,"children":2742},{},[2743],{"type":36,"value":2744},"1 225 €",{"type":30,"tag":291,"props":2746,"children":2747},{},[2748],{"type":36,"value":2749},"~217 000 €",{"type":30,"tag":269,"props":2751,"children":2752},{},[2753,2758,2763],{"type":30,"tag":291,"props":2754,"children":2755},{},[2756],{"type":36,"value":2757},"4 000 €",{"type":30,"tag":291,"props":2759,"children":2760},{},[2761],{"type":36,"value":2762},"1 400 €",{"type":30,"tag":291,"props":2764,"children":2765},{},[2766],{"type":36,"value":2767},"~248 000 €",{"type":30,"tag":269,"props":2769,"children":2770},{},[2771,2776,2781],{"type":30,"tag":291,"props":2772,"children":2773},{},[2774],{"type":36,"value":2775},"5 000 €",{"type":30,"tag":291,"props":2777,"children":2778},{},[2779],{"type":36,"value":2780},"1 750 €",{"type":30,"tag":291,"props":2782,"children":2783},{},[2784],{"type":36,"value":2785},"~310 000 €",{"type":30,"tag":269,"props":2787,"children":2788},{},[2789,2794,2799],{"type":30,"tag":291,"props":2790,"children":2791},{},[2792],{"type":36,"value":2793},"6 000 €",{"type":30,"tag":291,"props":2795,"children":2796},{},[2797],{"type":36,"value":2798},"2 100 €",{"type":30,"tag":291,"props":2800,"children":2801},{},[2802],{"type":36,"value":2803},"~372 000 €",{"type":30,"tag":269,"props":2805,"children":2806},{},[2807,2812,2816],{"type":30,"tag":291,"props":2808,"children":2809},{},[2810],{"type":36,"value":2811},"8 000 €",{"type":30,"tag":291,"props":2813,"children":2814},{},[2815],{"type":36,"value":1750},{"type":30,"tag":291,"props":2817,"children":2818},{},[2819],{"type":36,"value":2820},"~496 000 €",{"type":30,"tag":39,"props":2822,"children":2823},{},[2824,2826,2831],{"type":36,"value":2825},"Ces montants sont des maximums théoriques. La banque appliquera en plus ses critères de ",{"type":30,"tag":142,"props":2827,"children":2828},{},[2829],{"type":36,"value":2830},"reste à vivre",{"type":36,"value":1697},{"type":30,"tag":488,"props":2833,"children":2834},{},[2835],{"type":30,"tag":39,"props":2836,"children":2837},{},[2838,2840,2844],{"type":36,"value":2839},"N'oubliez pas d'intégrer les frais de notaire dans votre budget total. Notre ",{"type":30,"tag":497,"props":2841,"children":2842},{"href":499},[2843],{"type":36,"value":502},{"type":36,"value":2845}," détaille les montants exacts selon le prix du bien.",{"type":30,"tag":45,"props":2847,"children":2848},{},[],{"type":30,"tag":49,"props":2850,"children":2852},{"id":2851},"le-reste-à-vivre-lautre-critère-souvent-oublié",[2853],{"type":36,"value":2854},"Le reste à vivre : l'autre critère souvent oublié",{"type":30,"tag":39,"props":2856,"children":2857},{},[2858,2860,2864],{"type":36,"value":2859},"Le taux d'endettement à 35 % est une règle nationale. Mais les banques appliquent aussi un critère interne : le ",{"type":30,"tag":142,"props":2861,"children":2862},{},[2863],{"type":36,"value":2830},{"type":36,"value":2865},", c'est-à-dire ce qu'il vous reste chaque mois après remboursement de toutes vos charges.",{"type":30,"tag":39,"props":2867,"children":2868},{},[2869],{"type":36,"value":2870},"Les seuils varient selon les établissements, mais les références courantes sont :",{"type":30,"tag":68,"props":2872,"children":2873},{},[2874,2884,2894],{"type":30,"tag":72,"props":2875,"children":2876},{},[2877,2882],{"type":30,"tag":142,"props":2878,"children":2879},{},[2880],{"type":36,"value":2881},"Personne seule",{"type":36,"value":2883}," : minimum 800 à 1 000 € restant après charges",{"type":30,"tag":72,"props":2885,"children":2886},{},[2887,2892],{"type":30,"tag":142,"props":2888,"children":2889},{},[2890],{"type":36,"value":2891},"Couple sans enfant",{"type":36,"value":2893}," : minimum 1 200 à 1 500 €",{"type":30,"tag":72,"props":2895,"children":2896},{},[2897,2902],{"type":30,"tag":142,"props":2898,"children":2899},{},[2900],{"type":36,"value":2901},"Par enfant supplémentaire",{"type":36,"value":2903}," : ajouter 200 à 300 €",{"type":30,"tag":39,"props":2905,"children":2906},{},[2907],{"type":36,"value":2908},"Un emprunteur seul gagnant 2 000 € nets avec une mensualité de 700 € (35 %) ne laisse que 1 300 € de reste à vivre — ce qui peut passer ou non selon la banque et sa politique interne.",{"type":30,"tag":45,"props":2910,"children":2911},{},[],{"type":30,"tag":49,"props":2913,"children":2915},{"id":2914},"comment-maximiser-sa-capacité-demprunt",[2916],{"type":36,"value":2917},"Comment maximiser sa capacité d'emprunt",{"type":30,"tag":61,"props":2919,"children":2921},{"id":2920},"solder-les-petits-crédits-avant-de-déposer-son-dossier",[2922],{"type":36,"value":2923},"Solder les petits crédits avant de déposer son dossier",{"type":30,"tag":39,"props":2925,"children":2926},{},[2927],{"type":36,"value":2928},"Un crédit auto à 200 €/mois consomme 200 € de votre enveloppe d'endettement. Si vous avez la trésorerie pour le rembourser avant d'ouvrir le dossier immobilier, votre taux d'endettement baisse mécaniquement — ce qui peut vous permettre d'emprunter 30 000 à 40 000 € de plus.",{"type":30,"tag":61,"props":2930,"children":2932},{"id":2931},"intégrer-un-co-emprunteur",[2933],{"type":36,"value":2934},"Intégrer un co-emprunteur",{"type":30,"tag":39,"props":2936,"children":2937},{},[2938],{"type":36,"value":2939},"Les revenus du co-emprunteur s'ajoutent au numérateur. Un couple avec deux revenus à 2 500 € chacun (5 000 € nets) peut théoriquement emprunter le double d'un emprunteur seul à 2 500 €, toutes choses égales par ailleurs.",{"type":30,"tag":61,"props":2941,"children":2943},{"id":2942},"allonger-la-durée",[2944],{"type":36,"value":2945},"Allonger la durée",{"type":30,"tag":39,"props":2947,"children":2948},{},[2949],{"type":36,"value":2950},"Passer de 20 à 25 ans réduit la mensualité d'environ 15 à 18 % — au prix d'un coût total plus élevé. C'est souvent un arbitrage pertinent pour débloquer un dossier.",{"type":30,"tag":61,"props":2952,"children":2954},{"id":2953},"optimiser-lapport-personnel",[2955],{"type":36,"value":2956},"Optimiser l'apport personnel",{"type":30,"tag":39,"props":2958,"children":2959},{},[2960],{"type":36,"value":2961},"Un apport plus important réduit le capital emprunté et donc la mensualité. Il rassure aussi la banque sur votre capacité d'épargne, ce qui peut lui permettre de vous accorder une dérogation à 35 % dans certains cas.",{"type":30,"tag":45,"props":2963,"children":2964},{},[],{"type":30,"tag":49,"props":2966,"children":2968},{"id":2967},"le-cas-de-linvestissement-locatif",[2969],{"type":36,"value":2970},"Le cas de l'investissement locatif",{"type":30,"tag":39,"props":2972,"children":2973},{},[2974],{"type":36,"value":2975},"Pour un investissement locatif, les loyers futurs sont pris en compte dans les revenus à 70 %. Si vous empruntez 200 000 € pour un bien qui se loue 900 €/mois, la banque intègre 630 €/mois dans vos revenus. La mensualité du crédit (environ 1 000 €/mois sur 25 ans à 3,5 %) n'alourdit donc votre taux d'endettement que de 370 €/mois — et non de 1 000 €.",{"type":30,"tag":488,"props":2977,"children":2978},{},[2979],{"type":30,"tag":39,"props":2980,"children":2981},{},[2982,2984,2991],{"type":36,"value":2983},"Pour aller plus loin sur la rentabilité d'un investissement locatif, consultez notre ",{"type":30,"tag":497,"props":2985,"children":2988},{"href":2986,"rel":2987},"https://estimateur.net/simulateurs/rendement-locatif-courte-duree",[769],[2989],{"type":36,"value":2990},"simulateur de rendement locatif",{"type":36,"value":1697},{"type":30,"tag":45,"props":2993,"children":2994},{},[],{"type":30,"tag":45,"props":2996,"children":2997},{},[],{"type":30,"tag":39,"props":2999,"children":3000},{},[3001,3005,3006,3010],{"type":30,"tag":142,"props":3002,"children":3003},{},[3004],{"type":36,"value":567},{"type":36,"value":569},{"type":30,"tag":497,"props":3007,"children":3008},{"href":499},[3009],{"type":36,"value":582},{"type":36,"value":3011}," — à intégrer dans votre budget d'acquisition avant de calculer votre capacité d'emprunt nette.",{"type":30,"tag":45,"props":3013,"children":3014},{},[],{"type":30,"tag":49,"props":3016,"children":3017},{"id":590},[3018],{"type":36,"value":593},{"type":30,"tag":68,"props":3020,"children":3021},{},[3022,3033,3045,3062,3072],{"type":30,"tag":72,"props":3023,"children":3024},{},[3025,3027,3031],{"type":36,"value":3026},"La limite est de ",{"type":30,"tag":142,"props":3028,"children":3029},{},[3030],{"type":36,"value":2308},{"type":36,"value":3032},", assurance incluse — c'est une norme réglementaire depuis 2022.",{"type":30,"tag":72,"props":3034,"children":3035},{},[3036,3038,3043],{"type":36,"value":3037},"La banque intègre ",{"type":30,"tag":142,"props":3039,"children":3040},{},[3041],{"type":36,"value":3042},"tous vos crédits en cours",{"type":36,"value":3044},", pas seulement le futur prêt immobilier.",{"type":30,"tag":72,"props":3046,"children":3047},{},[3048,3050,3054,3056,3060],{"type":36,"value":3049},"Les revenus locatifs comptent à ",{"type":30,"tag":142,"props":3051,"children":3052},{},[3053],{"type":36,"value":2561},{"type":36,"value":3055},", les salaires CDI à ",{"type":30,"tag":142,"props":3057,"children":3058},{},[3059],{"type":36,"value":2509},{"type":36,"value":3061},", les CDD parfois 0.",{"type":30,"tag":72,"props":3063,"children":3064},{},[3065,3066,3070],{"type":36,"value":2382},{"type":30,"tag":142,"props":3067,"children":3068},{},[3069],{"type":36,"value":2830},{"type":36,"value":3071}," est un critère complémentaire, variable selon les banques.",{"type":30,"tag":72,"props":3073,"children":3074},{},[3075],{"type":36,"value":3076},"Solder des crédits en cours avant de déposer votre dossier est souvent la façon la plus simple d'améliorer votre capacité d'emprunt.",{"type":30,"tag":39,"props":3078,"children":3079},{},[3080],{"type":36,"value":3081},"Utilisez notre simulateur pour calculer votre capacité d'emprunt précise en fonction de vos revenus, de vos charges actuelles et de la durée souhaitée.",{"title":8,"searchDepth":621,"depth":621,"links":3083},[3084,3085,3086,3087,3088,3089,3095,3096],{"id":2316,"depth":621,"text":2319},{"id":2358,"depth":621,"text":2361},{"id":2456,"depth":621,"text":2459},{"id":2639,"depth":621,"text":2642},{"id":2851,"depth":621,"text":2854},{"id":2914,"depth":621,"text":2917,"children":3090},[3091,3092,3093,3094],{"id":2920,"depth":626,"text":2923},{"id":2931,"depth":626,"text":2934},{"id":2942,"depth":626,"text":2945},{"id":2953,"depth":626,"text":2956},{"id":2967,"depth":621,"text":2970},{"id":590,"depth":621,"text":593},"content:articles:taux-endettement-capacite-emprunt.md","articles/taux-endettement-capacite-emprunt.md","articles/taux-endettement-capacite-emprunt",{"_path":2134,"_dir":6,"_draft":7,"_partial":7,"_locale":8,"title":3101,"description":3102,"date":3103,"updatedAt":3104,"category":12,"tags":3105,"readingTime":3112,"summary":3113,"author":21,"relatedSimulator":3118,"body":3122,"_type":639,"_id":4273,"_source":641,"_file":4274,"_stem":4275,"_extension":644},"Plus-value immobilière 2025 : calcul et exonérations","Imposition de la plus-value immobilière 2025 : IR 19 % + prélèvements sociaux 17,2 %, abattements par durée de détention et cas d'exonération.","2025-06-05","2026-06-28",[3106,3107,3108,3109,3110,3111],"plus-value immobilière 2025","calcul plus-value immobilier","abattement durée détention","impôt vente immobilier","exonération plus-value","fiscalité immobilière",7,[3114,3115,3116,3117],"Le taux global d'imposition est de 36,2 % (19 % d'IR + 17,2 % de prélèvements sociaux) sur la plus-value nette.","Des abattements progressifs réduisent l'imposition à partir de la 6e année de détention — exonération totale à 22 ans pour l'IR et 30 ans pour les prélèvements sociaux.","La résidence principale est entièrement exonérée de plus-value à la revente, quelle que soit la durée de détention.","Les travaux non déduits des revenus fonciers peuvent être ajoutés au prix d'acquisition pour réduire la plus-value imposable.",{"title":3119,"path":3120,"icon":3121},"Simulateur plus-value immobilière","/simulateurs/simulateur-plus-value-immobiliere","🏡",{"type":27,"children":3123,"toc":4249},[3124,3130,3142,3145,3151,3161,3167,3172,3180,3185,3222,3234,3237,3243,3255,3260,3283,3288,3291,3297,3309,3375,3390,3395,3414,3417,3423,3428,3434,3518,3526,3532,3633,3641,3652,3655,3661,3678,3764,3776,3779,3785,3790,3796,3801,3814,3828,3851,3857,3869,3875,3880,3932,3938,3943,3946,3952,3962,3970,4013,4019,4045,4051,4056,4064,4087,4095,4118,4124,4132,4150,4158,4171,4179,4191,4206,4209,4212,4226,4232,4244],{"type":30,"tag":31,"props":3125,"children":3127},{"id":3126},"plus-value-immobilière-2025-calcul-abattements-et-exonérations",[3128],{"type":36,"value":3129},"Plus-value immobilière 2025 : calcul, abattements et exonérations",{"type":30,"tag":39,"props":3131,"children":3132},{},[3133,3135,3140],{"type":36,"value":3134},"Lorsque vous vendez un bien immobilier à un prix supérieur à celui que vous avez payé, vous réalisez une ",{"type":30,"tag":142,"props":3136,"children":3137},{},[3138],{"type":36,"value":3139},"plus-value immobilière",{"type":36,"value":3141},". Cette plus-value est en principe imposable, mais le régime fiscal français prévoit un mécanisme progressif d'abattements en fonction de la durée de détention, ainsi que de nombreuses exonérations. En 2025, il est donc essentiel de bien maîtriser ces règles avant de céder un appartement, une maison ou un terrain.",{"type":30,"tag":45,"props":3143,"children":3144},{},[],{"type":30,"tag":49,"props":3146,"children":3148},{"id":3147},"quest-ce-que-la-plus-value-immobilière",[3149],{"type":36,"value":3150},"Qu'est-ce que la plus-value immobilière ?",{"type":30,"tag":39,"props":3152,"children":3153},{},[3154,3155,3159],{"type":36,"value":1532},{"type":30,"tag":142,"props":3156,"children":3157},{},[3158],{"type":36,"value":3139},{"type":36,"value":3160}," correspond à la différence entre le prix de vente d'un bien et son prix d'acquisition. Elle s'applique aux cessions de biens immobiliers détenus par des particuliers : appartements, maisons, terrains, garages, parkings, ou parts de sociétés à prépondérance immobilière (SCI notamment).",{"type":30,"tag":61,"props":3162,"children":3164},{"id":3163},"comment-se-calcule-la-plus-value-brute",[3165],{"type":36,"value":3166},"Comment se calcule la plus-value brute ?",{"type":30,"tag":39,"props":3168,"children":3169},{},[3170],{"type":36,"value":3171},"La formule de base est simple :",{"type":30,"tag":39,"props":3173,"children":3174},{},[3175],{"type":30,"tag":142,"props":3176,"children":3177},{},[3178],{"type":36,"value":3179},"Plus-value brute = Prix de vente − Prix d'acquisition",{"type":30,"tag":39,"props":3181,"children":3182},{},[3183],{"type":36,"value":3184},"Toutefois, plusieurs corrections sont autorisées pour réduire cette base imposable :",{"type":30,"tag":68,"props":3186,"children":3187},{},[3188,3198],{"type":30,"tag":72,"props":3189,"children":3190},{},[3191,3196],{"type":30,"tag":142,"props":3192,"children":3193},{},[3194],{"type":36,"value":3195},"Prix de vente",{"type":36,"value":3197}," : on déduit les frais liés à la cession (diagnostics, commissions d'agence à la charge du vendeur, mainlevée d'hypothèque, etc.).",{"type":30,"tag":72,"props":3199,"children":3200},{},[3201,3206,3208,3213,3215,3220],{"type":30,"tag":142,"props":3202,"children":3203},{},[3204],{"type":36,"value":3205},"Prix d'acquisition",{"type":36,"value":3207}," : on peut y ajouter les frais d'acquisition (frais de notaire, droits d'enregistrement) pour leur montant réel ou de manière forfaitaire à hauteur de ",{"type":30,"tag":142,"props":3209,"children":3210},{},[3211],{"type":36,"value":3212},"7,5 %",{"type":36,"value":3214}," du prix d'achat. On peut également intégrer les travaux réalisés par des entreprises (sur justificatifs), ou appliquer un forfait de ",{"type":30,"tag":142,"props":3216,"children":3217},{},[3218],{"type":36,"value":3219},"15 %",{"type":36,"value":3221}," du prix d'achat si le bien est détenu depuis plus de 5 ans, sans avoir à fournir de justificatifs.",{"type":30,"tag":39,"props":3223,"children":3224},{},[3225,3227,3232],{"type":36,"value":3226},"Cette plus-value brute est ensuite réduite par les ",{"type":30,"tag":142,"props":3228,"children":3229},{},[3230],{"type":36,"value":3231},"abattements pour durée de détention",{"type":36,"value":3233},", qui peuvent aller jusqu'à une exonération totale.",{"type":30,"tag":45,"props":3235,"children":3236},{},[],{"type":30,"tag":49,"props":3238,"children":3240},{"id":3239},"la-résidence-principale-est-elle-exonérée",[3241],{"type":36,"value":3242},"La résidence principale est-elle exonérée ?",{"type":30,"tag":39,"props":3244,"children":3245},{},[3246,3248,3253],{"type":36,"value":3247},"Oui, et c'est la règle la plus importante à retenir : ",{"type":30,"tag":142,"props":3249,"children":3250},{},[3251],{"type":36,"value":3252},"la résidence principale bénéficie d'une exonération totale",{"type":36,"value":3254}," de plus-value immobilière, sans condition de durée de détention. Il suffit que le bien soit votre habitation principale au moment de la vente.",{"type":30,"tag":39,"props":3256,"children":3257},{},[3258],{"type":36,"value":3259},"Cette exonération s'applique également à certains cas particuliers :",{"type":30,"tag":68,"props":3261,"children":3262},{},[3263,3273],{"type":30,"tag":72,"props":3264,"children":3265},{},[3266,3271],{"type":30,"tag":142,"props":3267,"children":3268},{},[3269],{"type":36,"value":3270},"Résidents en maison de retraite ou établissement spécialisé",{"type":36,"value":3272}," : si le bien a été la résidence principale avant l'entrée en établissement et n'a pas été occupé par un tiers, la vente reste exonérée jusqu'à deux ans après le départ.",{"type":30,"tag":72,"props":3274,"children":3275},{},[3276,3281],{"type":30,"tag":142,"props":3277,"children":3278},{},[3279],{"type":36,"value":3280},"Sous conditions de ressources",{"type":36,"value":3282},", certains contribuables non-résidents peuvent bénéficier d'une exonération partielle sur leur ancienne résidence principale française.",{"type":30,"tag":39,"props":3284,"children":3285},{},[3286],{"type":36,"value":3287},"En revanche, les résidences secondaires, les investissements locatifs, les terrains à bâtir et les logements vacants sont soumis à l'imposition sur les plus-values.",{"type":30,"tag":45,"props":3289,"children":3290},{},[],{"type":30,"tag":49,"props":3292,"children":3294},{"id":3293},"les-taux-dimposition-ir-19-prélèvements-sociaux-172",[3295],{"type":36,"value":3296},"Les taux d'imposition : IR 19 % + prélèvements sociaux 17,2 %",{"type":30,"tag":39,"props":3298,"children":3299},{},[3300,3302,3307],{"type":36,"value":3301},"Lorsque la plus-value est imposable (après abattements), elle est soumise à une ",{"type":30,"tag":142,"props":3303,"children":3304},{},[3305],{"type":36,"value":3306},"flat tax immobilière",{"type":36,"value":3308}," composée de deux prélèvements distincts :",{"type":30,"tag":261,"props":3310,"children":3311},{},[3312,3327],{"type":30,"tag":265,"props":3313,"children":3314},{},[3315],{"type":30,"tag":269,"props":3316,"children":3317},{},[3318,3323],{"type":30,"tag":273,"props":3319,"children":3320},{},[3321],{"type":36,"value":3322},"Prélèvement",{"type":30,"tag":273,"props":3324,"children":3325},{},[3326],{"type":36,"value":1449},{"type":30,"tag":284,"props":3328,"children":3329},{},[3330,3343,3356],{"type":30,"tag":269,"props":3331,"children":3332},{},[3333,3338],{"type":30,"tag":291,"props":3334,"children":3335},{},[3336],{"type":36,"value":3337},"Impôt sur le revenu (IR)",{"type":30,"tag":291,"props":3339,"children":3340},{},[3341],{"type":36,"value":3342},"19 %",{"type":30,"tag":269,"props":3344,"children":3345},{},[3346,3351],{"type":30,"tag":291,"props":3347,"children":3348},{},[3349],{"type":36,"value":3350},"Prélèvements sociaux (PS)",{"type":30,"tag":291,"props":3352,"children":3353},{},[3354],{"type":36,"value":3355},"17,2 %",{"type":30,"tag":269,"props":3357,"children":3358},{},[3359,3367],{"type":30,"tag":291,"props":3360,"children":3361},{},[3362],{"type":30,"tag":142,"props":3363,"children":3364},{},[3365],{"type":36,"value":3366},"Total",{"type":30,"tag":291,"props":3368,"children":3369},{},[3370],{"type":30,"tag":142,"props":3371,"children":3372},{},[3373],{"type":36,"value":3374},"36,2 %",{"type":30,"tag":488,"props":3376,"children":3377},{},[3378],{"type":30,"tag":39,"props":3379,"children":3380},{},[3381,3383,3389],{"type":36,"value":3382},"Pour comprendre comment cette imposition s'intègre dans votre fiscalité globale, voir notre ",{"type":30,"tag":497,"props":3384,"children":3386},{"href":3385},"/articles/calculer-impot-revenu-2025",[3387],{"type":36,"value":3388},"guide sur le calcul de l'impôt sur le revenu",{"type":36,"value":1697},{"type":30,"tag":39,"props":3391,"children":3392},{},[3393],{"type":36,"value":3394},"Ces deux taux s'appliquent sur des bases différentes, car les abattements pour durée de détention ne sont pas identiques pour l'IR et pour les prélèvements sociaux.",{"type":30,"tag":39,"props":3396,"children":3397},{},[3398,3400,3405,3407,3412],{"type":36,"value":3399},"Il convient également de noter que si la plus-value nette imposable dépasse ",{"type":30,"tag":142,"props":3401,"children":3402},{},[3403],{"type":36,"value":3404},"50 000 €",{"type":36,"value":3406},", une ",{"type":30,"tag":142,"props":3408,"children":3409},{},[3410],{"type":36,"value":3411},"surtaxe progressive",{"type":36,"value":3413}," vient s'ajouter (voir section dédiée ci-dessous).",{"type":30,"tag":45,"props":3415,"children":3416},{},[],{"type":30,"tag":49,"props":3418,"children":3420},{"id":3419},"les-abattements-pour-durée-de-détention",[3421],{"type":36,"value":3422},"Les abattements pour durée de détention",{"type":30,"tag":39,"props":3424,"children":3425},{},[3426],{"type":36,"value":3427},"C'est le coeur du dispositif fiscal : plus vous conservez votre bien longtemps, moins vous payez d'impôt. Les abattements sont calculés séparément pour l'impôt sur le revenu et pour les prélèvements sociaux.",{"type":30,"tag":61,"props":3429,"children":3431},{"id":3430},"pour-limpôt-sur-le-revenu-exonération-totale-à-22-ans",[3432],{"type":36,"value":3433},"Pour l'impôt sur le revenu (exonération totale à 22 ans)",{"type":30,"tag":261,"props":3435,"children":3436},{},[3437,3458],{"type":30,"tag":265,"props":3438,"children":3439},{},[3440],{"type":30,"tag":269,"props":3441,"children":3442},{},[3443,3448,3453],{"type":30,"tag":273,"props":3444,"children":3445},{},[3446],{"type":36,"value":3447},"Durée de détention",{"type":30,"tag":273,"props":3449,"children":3450},{},[3451],{"type":36,"value":3452},"Taux d'abattement annuel",{"type":30,"tag":273,"props":3454,"children":3455},{},[3456],{"type":36,"value":3457},"Abattement cumulé",{"type":30,"tag":284,"props":3459,"children":3460},{},[3461,3477,3498],{"type":30,"tag":269,"props":3462,"children":3463},{},[3464,3469,3473],{"type":30,"tag":291,"props":3465,"children":3466},{},[3467],{"type":36,"value":3468},"Moins de 6 ans",{"type":30,"tag":291,"props":3470,"children":3471},{},[3472],{"type":36,"value":2579},{"type":30,"tag":291,"props":3474,"children":3475},{},[3476],{"type":36,"value":2579},{"type":30,"tag":269,"props":3478,"children":3479},{},[3480,3485,3493],{"type":30,"tag":291,"props":3481,"children":3482},{},[3483],{"type":36,"value":3484},"De la 6ème à la 21ème année",{"type":30,"tag":291,"props":3486,"children":3487},{},[3488],{"type":30,"tag":142,"props":3489,"children":3490},{},[3491],{"type":36,"value":3492},"6 % par an",{"type":30,"tag":291,"props":3494,"children":3495},{},[3496],{"type":36,"value":3497},"6 % à 96 %",{"type":30,"tag":269,"props":3499,"children":3500},{},[3501,3506,3514],{"type":30,"tag":291,"props":3502,"children":3503},{},[3504],{"type":36,"value":3505},"22ème année révolue",{"type":30,"tag":291,"props":3507,"children":3508},{},[3509],{"type":30,"tag":142,"props":3510,"children":3511},{},[3512],{"type":36,"value":3513},"4 %",{"type":30,"tag":291,"props":3515,"children":3516},{},[3517],{"type":36,"value":2509},{"type":30,"tag":39,"props":3519,"children":3520},{},[3521],{"type":30,"tag":142,"props":3522,"children":3523},{},[3524],{"type":36,"value":3525},"Exonération totale d'IR à partir de 22 ans de détention.",{"type":30,"tag":61,"props":3527,"children":3529},{"id":3528},"pour-les-prélèvements-sociaux-exonération-totale-à-30-ans",[3530],{"type":36,"value":3531},"Pour les prélèvements sociaux (exonération totale à 30 ans)",{"type":30,"tag":261,"props":3533,"children":3534},{},[3535,3553],{"type":30,"tag":265,"props":3536,"children":3537},{},[3538],{"type":30,"tag":269,"props":3539,"children":3540},{},[3541,3545,3549],{"type":30,"tag":273,"props":3542,"children":3543},{},[3544],{"type":36,"value":3447},{"type":30,"tag":273,"props":3546,"children":3547},{},[3548],{"type":36,"value":3452},{"type":30,"tag":273,"props":3550,"children":3551},{},[3552],{"type":36,"value":3457},{"type":30,"tag":284,"props":3554,"children":3555},{},[3556,3571,3591,3612],{"type":30,"tag":269,"props":3557,"children":3558},{},[3559,3563,3567],{"type":30,"tag":291,"props":3560,"children":3561},{},[3562],{"type":36,"value":3468},{"type":30,"tag":291,"props":3564,"children":3565},{},[3566],{"type":36,"value":2579},{"type":30,"tag":291,"props":3568,"children":3569},{},[3570],{"type":36,"value":2579},{"type":30,"tag":269,"props":3572,"children":3573},{},[3574,3578,3586],{"type":30,"tag":291,"props":3575,"children":3576},{},[3577],{"type":36,"value":3484},{"type":30,"tag":291,"props":3579,"children":3580},{},[3581],{"type":30,"tag":142,"props":3582,"children":3583},{},[3584],{"type":36,"value":3585},"1,65 % par an",{"type":30,"tag":291,"props":3587,"children":3588},{},[3589],{"type":36,"value":3590},"1,65 % à 26,40 %",{"type":30,"tag":269,"props":3592,"children":3593},{},[3594,3599,3607],{"type":30,"tag":291,"props":3595,"children":3596},{},[3597],{"type":36,"value":3598},"22ème année",{"type":30,"tag":291,"props":3600,"children":3601},{},[3602],{"type":30,"tag":142,"props":3603,"children":3604},{},[3605],{"type":36,"value":3606},"1,60 %",{"type":30,"tag":291,"props":3608,"children":3609},{},[3610],{"type":36,"value":3611},"28 %",{"type":30,"tag":269,"props":3613,"children":3614},{},[3615,3620,3628],{"type":30,"tag":291,"props":3616,"children":3617},{},[3618],{"type":36,"value":3619},"De la 23ème à la 30ème année",{"type":30,"tag":291,"props":3621,"children":3622},{},[3623],{"type":30,"tag":142,"props":3624,"children":3625},{},[3626],{"type":36,"value":3627},"9 % par an",{"type":30,"tag":291,"props":3629,"children":3630},{},[3631],{"type":36,"value":3632},"37 % à 100 %",{"type":30,"tag":39,"props":3634,"children":3635},{},[3636],{"type":30,"tag":142,"props":3637,"children":3638},{},[3639],{"type":36,"value":3640},"Exonération totale des prélèvements sociaux à partir de 30 ans de détention.",{"type":30,"tag":39,"props":3642,"children":3643},{},[3644,3646,3651],{"type":36,"value":3645},"En résumé, entre 22 et 30 ans de détention, vous ne payez plus d'IR mais vous restez redevable des prélèvements sociaux. La pleine exonération (IR + PS) n'intervient qu'après ",{"type":30,"tag":142,"props":3647,"children":3648},{},[3649],{"type":36,"value":3650},"30 ans de détention",{"type":36,"value":1697},{"type":30,"tag":45,"props":3653,"children":3654},{},[],{"type":30,"tag":49,"props":3656,"children":3658},{"id":3657},"la-surtaxe-sur-les-grandes-plus-values",[3659],{"type":36,"value":3660},"La surtaxe sur les grandes plus-values",{"type":30,"tag":39,"props":3662,"children":3663},{},[3664,3666,3670,3672,3676],{"type":36,"value":3665},"Depuis 2013, une ",{"type":30,"tag":142,"props":3667,"children":3668},{},[3669],{"type":36,"value":3411},{"type":36,"value":3671}," s'applique lorsque la plus-value nette imposable (après abattements pour durée de détention) dépasse ",{"type":30,"tag":142,"props":3673,"children":3674},{},[3675],{"type":36,"value":3404},{"type":36,"value":3677},". Cette surtaxe concerne uniquement l'impôt sur le revenu, pas les prélèvements sociaux.",{"type":30,"tag":261,"props":3679,"children":3680},{},[3681,3697],{"type":30,"tag":265,"props":3682,"children":3683},{},[3684],{"type":30,"tag":269,"props":3685,"children":3686},{},[3687,3692],{"type":30,"tag":273,"props":3688,"children":3689},{},[3690],{"type":36,"value":3691},"Plus-value nette imposable",{"type":30,"tag":273,"props":3693,"children":3694},{},[3695],{"type":36,"value":3696},"Taux de surtaxe",{"type":30,"tag":284,"props":3698,"children":3699},{},[3700,3713,3726,3738,3751],{"type":30,"tag":269,"props":3701,"children":3702},{},[3703,3708],{"type":30,"tag":291,"props":3704,"children":3705},{},[3706],{"type":36,"value":3707},"De 50 001 € à 100 000 €",{"type":30,"tag":291,"props":3709,"children":3710},{},[3711],{"type":36,"value":3712},"2 %",{"type":30,"tag":269,"props":3714,"children":3715},{},[3716,3721],{"type":30,"tag":291,"props":3717,"children":3718},{},[3719],{"type":36,"value":3720},"De 100 001 € à 150 000 €",{"type":30,"tag":291,"props":3722,"children":3723},{},[3724],{"type":36,"value":3725},"3 %",{"type":30,"tag":269,"props":3727,"children":3728},{},[3729,3734],{"type":30,"tag":291,"props":3730,"children":3731},{},[3732],{"type":36,"value":3733},"De 150 001 € à 200 000 €",{"type":30,"tag":291,"props":3735,"children":3736},{},[3737],{"type":36,"value":3513},{"type":30,"tag":269,"props":3739,"children":3740},{},[3741,3746],{"type":30,"tag":291,"props":3742,"children":3743},{},[3744],{"type":36,"value":3745},"De 200 001 € à 250 000 €",{"type":30,"tag":291,"props":3747,"children":3748},{},[3749],{"type":36,"value":3750},"5 %",{"type":30,"tag":269,"props":3752,"children":3753},{},[3754,3759],{"type":30,"tag":291,"props":3755,"children":3756},{},[3757],{"type":36,"value":3758},"Au-delà de 250 000 €",{"type":30,"tag":291,"props":3760,"children":3761},{},[3762],{"type":36,"value":3763},"6 %",{"type":30,"tag":39,"props":3765,"children":3766},{},[3767,3769,3774],{"type":36,"value":3768},"Cette surtaxe s'applique sur ",{"type":30,"tag":142,"props":3770,"children":3771},{},[3772],{"type":36,"value":3773},"l'intégralité de la plus-value nette",{"type":36,"value":3775}," dès lors que le seuil est franchi, ce qui peut créer un effet de seuil important. Attention toutefois : un mécanisme de lissage est prévu pour éviter que le passage d'un palier ne génère une imposition supérieure à l'excédent.",{"type":30,"tag":45,"props":3777,"children":3778},{},[],{"type":30,"tag":49,"props":3780,"children":3782},{"id":3781},"comment-réduire-limpôt-sur-la-plus-value",[3783],{"type":36,"value":3784},"Comment réduire l'impôt sur la plus-value ?",{"type":30,"tag":39,"props":3786,"children":3787},{},[3788],{"type":36,"value":3789},"Plusieurs stratégies légales permettent de diminuer, voire d'effacer, la plus-value imposable.",{"type":30,"tag":61,"props":3791,"children":3793},{"id":3792},"_1-maximiser-le-prix-dacquisition",[3794],{"type":36,"value":3795},"1. Maximiser le prix d'acquisition",{"type":30,"tag":39,"props":3797,"children":3798},{},[3799],{"type":36,"value":3800},"Intégrez tous les éléments qui viennent augmenter votre prix de revient :",{"type":30,"tag":68,"props":3802,"children":3803},{},[3804],{"type":30,"tag":72,"props":3805,"children":3806},{},[3807,3812],{"type":30,"tag":142,"props":3808,"children":3809},{},[3810],{"type":36,"value":3811},"Frais d'acquisition",{"type":36,"value":3813}," : optez pour le forfait de 7,5 % si vous n'avez plus les justificatifs.",{"type":30,"tag":488,"props":3815,"children":3816},{},[3817],{"type":30,"tag":39,"props":3818,"children":3819},{},[3820,3822,3827],{"type":36,"value":3821},"Pour connaître le montant exact de vos frais de notaire selon votre acquisition, consultez notre ",{"type":30,"tag":497,"props":3823,"children":3824},{"href":499},[3825],{"type":36,"value":3826},"guide frais de notaire 2026",{"type":36,"value":1697},{"type":30,"tag":68,"props":3829,"children":3830},{},[3831,3841],{"type":30,"tag":72,"props":3832,"children":3833},{},[3834,3839],{"type":30,"tag":142,"props":3835,"children":3836},{},[3837],{"type":36,"value":3838},"Travaux",{"type":36,"value":3840}," : conservez précieusement toutes les factures des entreprises du bâtiment. Si le bien est détenu depuis plus de 5 ans, le forfait travaux de 15 % peut être plus avantageux.",{"type":30,"tag":72,"props":3842,"children":3843},{},[3844,3849],{"type":30,"tag":142,"props":3845,"children":3846},{},[3847],{"type":36,"value":3848},"Frais de voirie, de branchement et de viabilisation",{"type":36,"value":3850}," pour les terrains à bâtir.",{"type":30,"tag":61,"props":3852,"children":3854},{"id":3853},"_2-jouer-sur-la-durée-de-détention",[3855],{"type":36,"value":3856},"2. Jouer sur la durée de détention",{"type":30,"tag":39,"props":3858,"children":3859},{},[3860,3862,3867],{"type":36,"value":3861},"Si vous approchez des paliers clés (22 ans pour l'IR, 30 ans pour les PS), il peut être financièrement intéressant de ",{"type":30,"tag":142,"props":3863,"children":3864},{},[3865],{"type":36,"value":3866},"reporter la vente",{"type":36,"value":3868}," de quelques mois pour franchir le seuil d'abattement suivant. Un an de détention supplémentaire entre la 6ème et la 21ème année représente 6 points d'abattement IR supplémentaires.",{"type":30,"tag":61,"props":3870,"children":3872},{"id":3871},"_3-profiter-des-exonérations-spécifiques",[3873],{"type":36,"value":3874},"3. Profiter des exonérations spécifiques",{"type":30,"tag":39,"props":3876,"children":3877},{},[3878],{"type":36,"value":3879},"Outre la résidence principale, la loi prévoit d'autres cas d'exonération :",{"type":30,"tag":68,"props":3881,"children":3882},{},[3883,3893,3903,3913,3923],{"type":30,"tag":72,"props":3884,"children":3885},{},[3886,3891],{"type":30,"tag":142,"props":3887,"children":3888},{},[3889],{"type":36,"value":3890},"Première cession d'une résidence secondaire",{"type":36,"value":3892}," : exonération sous conditions (ne pas avoir été propriétaire de sa résidence principale dans les 4 années précédentes et réemployer le prix de vente dans l'achat d'une résidence principale dans les 24 mois).",{"type":30,"tag":72,"props":3894,"children":3895},{},[3896,3901],{"type":30,"tag":142,"props":3897,"children":3898},{},[3899],{"type":36,"value":3900},"Cession par des personnes âgées ou invalides",{"type":36,"value":3902}," à faibles revenus.",{"type":30,"tag":72,"props":3904,"children":3905},{},[3906,3911],{"type":30,"tag":142,"props":3907,"children":3908},{},[3909],{"type":36,"value":3910},"Prix de vente inférieur à 15 000 €",{"type":36,"value":3912}," : exonération automatique.",{"type":30,"tag":72,"props":3914,"children":3915},{},[3916,3921],{"type":30,"tag":142,"props":3917,"children":3918},{},[3919],{"type":36,"value":3920},"Expropriation",{"type":36,"value":3922}," avec réemploi du prix dans les 12 mois.",{"type":30,"tag":72,"props":3924,"children":3925},{},[3926,3931],{"type":30,"tag":142,"props":3927,"children":3928},{},[3929],{"type":36,"value":3930},"Partage suite à divorce ou séparation",{"type":36,"value":1697},{"type":30,"tag":61,"props":3933,"children":3935},{"id":3934},"_4-vendre-via-une-sci-à-lis",[3936],{"type":36,"value":3937},"4. Vendre via une SCI à l'IS",{"type":30,"tag":39,"props":3939,"children":3940},{},[3941],{"type":36,"value":3942},"Si le bien est détenu dans une SCI soumise à l'impôt sur les sociétés, le régime des plus-values professionnelles s'applique. C'est souvent moins favorable pour les particuliers, mais cette structure peut offrir d'autres avantages fiscaux selon la situation.",{"type":30,"tag":45,"props":3944,"children":3945},{},[],{"type":30,"tag":49,"props":3947,"children":3949},{"id":3948},"cas-pratique-simulation-chiffrée",[3950],{"type":36,"value":3951},"Cas pratique : simulation chiffrée",{"type":30,"tag":39,"props":3953,"children":3954},{},[3955,3957,3961],{"type":36,"value":3956},"Prenons un exemple concret pour illustrer le calcul de la ",{"type":30,"tag":142,"props":3958,"children":3959},{},[3960],{"type":36,"value":3106},{"type":36,"value":1697},{"type":30,"tag":39,"props":3963,"children":3964},{},[3965],{"type":30,"tag":142,"props":3966,"children":3967},{},[3968],{"type":36,"value":3969},"Données de l'exemple :",{"type":30,"tag":68,"props":3971,"children":3972},{},[3973,3983,3988,3993,4003],{"type":30,"tag":72,"props":3974,"children":3975},{},[3976,3978],{"type":36,"value":3977},"Bien acheté en 2015 pour ",{"type":30,"tag":142,"props":3979,"children":3980},{},[3981],{"type":36,"value":3982},"200 000 €",{"type":30,"tag":72,"props":3984,"children":3985},{},[3986],{"type":36,"value":3987},"Frais de notaire à l'achat : 15 000 € (ou forfait 7,5 % = 15 000 €)",{"type":30,"tag":72,"props":3989,"children":3990},{},[3991],{"type":36,"value":3992},"Travaux réalisés par des entreprises : 12 000 € (justificatifs disponibles)",{"type":30,"tag":72,"props":3994,"children":3995},{},[3996,3998],{"type":36,"value":3997},"Bien vendu en 2025 pour ",{"type":30,"tag":142,"props":3999,"children":4000},{},[4001],{"type":36,"value":4002},"280 000 €",{"type":30,"tag":72,"props":4004,"children":4005},{},[4006,4008],{"type":36,"value":4007},"Durée de détention : ",{"type":30,"tag":142,"props":4009,"children":4010},{},[4011],{"type":36,"value":4012},"10 ans",{"type":30,"tag":61,"props":4014,"children":4016},{"id":4015},"etape-1-calcul-de-la-plus-value-brute",[4017],{"type":36,"value":4018},"Etape 1 : calcul de la plus-value brute",{"type":30,"tag":68,"props":4020,"children":4021},{},[4022,4032,4037],{"type":30,"tag":72,"props":4023,"children":4024},{},[4025,4027],{"type":36,"value":4026},"Prix d'acquisition corrigé = 200 000 + 15 000 (frais notaire) + 12 000 (travaux) = ",{"type":30,"tag":142,"props":4028,"children":4029},{},[4030],{"type":36,"value":4031},"227 000 €",{"type":30,"tag":72,"props":4033,"children":4034},{},[4035],{"type":36,"value":4036},"Prix de vente = 280 000 €",{"type":30,"tag":72,"props":4038,"children":4039},{},[4040],{"type":30,"tag":142,"props":4041,"children":4042},{},[4043],{"type":36,"value":4044},"Plus-value brute = 280 000 − 227 000 = 53 000 €",{"type":30,"tag":61,"props":4046,"children":4048},{"id":4047},"etape-2-calcul-des-abattements",[4049],{"type":36,"value":4050},"Etape 2 : calcul des abattements",{"type":30,"tag":39,"props":4052,"children":4053},{},[4054],{"type":36,"value":4055},"Durée de détention : 10 ans = 5 années pleines d'abattement (de la 6ème à la 10ème année).",{"type":30,"tag":39,"props":4057,"children":4058},{},[4059],{"type":30,"tag":142,"props":4060,"children":4061},{},[4062],{"type":36,"value":4063},"Pour l'IR :",{"type":30,"tag":68,"props":4065,"children":4066},{},[4067,4077],{"type":30,"tag":72,"props":4068,"children":4069},{},[4070,4072],{"type":36,"value":4071},"5 années × 6 % = ",{"type":30,"tag":142,"props":4073,"children":4074},{},[4075],{"type":36,"value":4076},"30 % d'abattement",{"type":30,"tag":72,"props":4078,"children":4079},{},[4080,4082],{"type":36,"value":4081},"Plus-value imposable IR = 53 000 × (1 − 0,30) = ",{"type":30,"tag":142,"props":4083,"children":4084},{},[4085],{"type":36,"value":4086},"37 100 €",{"type":30,"tag":39,"props":4088,"children":4089},{},[4090],{"type":30,"tag":142,"props":4091,"children":4092},{},[4093],{"type":36,"value":4094},"Pour les prélèvements sociaux :",{"type":30,"tag":68,"props":4096,"children":4097},{},[4098,4108],{"type":30,"tag":72,"props":4099,"children":4100},{},[4101,4103],{"type":36,"value":4102},"5 années × 1,65 % = ",{"type":30,"tag":142,"props":4104,"children":4105},{},[4106],{"type":36,"value":4107},"8,25 % d'abattement",{"type":30,"tag":72,"props":4109,"children":4110},{},[4111,4113],{"type":36,"value":4112},"Plus-value imposable PS = 53 000 × (1 − 0,0825) = ",{"type":30,"tag":142,"props":4114,"children":4115},{},[4116],{"type":36,"value":4117},"48 628 €",{"type":30,"tag":61,"props":4119,"children":4121},{"id":4120},"etape-3-calcul-de-limpôt",[4122],{"type":36,"value":4123},"Etape 3 : calcul de l'impôt",{"type":30,"tag":39,"props":4125,"children":4126},{},[4127],{"type":30,"tag":142,"props":4128,"children":4129},{},[4130],{"type":36,"value":4131},"Impôt sur le revenu :",{"type":30,"tag":68,"props":4133,"children":4134},{},[4135,4145],{"type":30,"tag":72,"props":4136,"children":4137},{},[4138,4140],{"type":36,"value":4139},"37 100 × 19 % = ",{"type":30,"tag":142,"props":4141,"children":4142},{},[4143],{"type":36,"value":4144},"7 049 €",{"type":30,"tag":72,"props":4146,"children":4147},{},[4148],{"type":36,"value":4149},"La plus-value IR (37 100 €) est inférieure à 50 000 € → pas de surtaxe",{"type":30,"tag":39,"props":4151,"children":4152},{},[4153],{"type":30,"tag":142,"props":4154,"children":4155},{},[4156],{"type":36,"value":4157},"Prélèvements sociaux :",{"type":30,"tag":68,"props":4159,"children":4160},{},[4161],{"type":30,"tag":72,"props":4162,"children":4163},{},[4164,4166],{"type":36,"value":4165},"48 628 × 17,2 % = ",{"type":30,"tag":142,"props":4167,"children":4168},{},[4169],{"type":36,"value":4170},"8 364 €",{"type":30,"tag":39,"props":4172,"children":4173},{},[4174],{"type":30,"tag":142,"props":4175,"children":4176},{},[4177],{"type":36,"value":4178},"Total impôt = 7 049 + 8 364 = 15 413 €",{"type":30,"tag":39,"props":4180,"children":4181},{},[4182,4184,4189],{"type":36,"value":4183},"Soit un taux effectif global d'environ ",{"type":30,"tag":142,"props":4185,"children":4186},{},[4187],{"type":36,"value":4188},"29 % sur la plus-value brute",{"type":36,"value":4190}," de 53 000 €, contre 36,2 % si le bien avait été vendu immédiatement.",{"type":30,"tag":488,"props":4192,"children":4193},{},[4194],{"type":30,"tag":39,"props":4195,"children":4196},{},[4197,4199,4204],{"type":36,"value":4198},"Utilisez notre ",{"type":30,"tag":142,"props":4200,"children":4201},{},[4202],{"type":36,"value":4203},"simulateur plus-value immobilière",{"type":36,"value":4205}," pour calculer précisément l'impôt sur votre propre situation en quelques secondes.",{"type":30,"tag":45,"props":4207,"children":4208},{},[],{"type":30,"tag":45,"props":4210,"children":4211},{},[],{"type":30,"tag":39,"props":4213,"children":4214},{},[4215,4219,4220,4224],{"type":30,"tag":142,"props":4216,"children":4217},{},[4218],{"type":36,"value":567},{"type":36,"value":569},{"type":30,"tag":497,"props":4221,"children":4222},{"href":499},[4223],{"type":36,"value":582},{"type":36,"value":4225}," — ces frais s'ajoutent au prix de revient et réduisent directement votre plus-value imposable.",{"type":30,"tag":49,"props":4227,"children":4229},{"id":4228},"conclusion",[4230],{"type":36,"value":4231},"Conclusion",{"type":30,"tag":39,"props":4233,"children":4234},{},[4235,4237,4242],{"type":36,"value":4236},"La fiscalité de la ",{"type":30,"tag":142,"props":4238,"children":4239},{},[4240],{"type":36,"value":4241},"plus-value immobilière en 2025",{"type":36,"value":4243}," est complexe mais favorable aux détenteurs de longue date. Le mécanisme d'abattements progressifs récompense la patience : à partir de 22 ans de détention, plus aucun impôt sur le revenu n'est dû, et l'exonération totale (IR + prélèvements sociaux) est acquise après 30 ans. Pour les ventes à plus court terme, optimiser le prix de revient (frais d'acquisition, travaux) et bien choisir le moment de la cession peut permettre de réduire significativement la facture fiscale.",{"type":30,"tag":39,"props":4245,"children":4246},{},[4247],{"type":36,"value":4248},"En cas de doute sur votre situation personnelle, consultez un notaire ou un conseiller fiscal qui pourra prendre en compte l'ensemble de vos paramètres.",{"title":8,"searchDepth":621,"depth":621,"links":4250},[4251,4254,4255,4256,4260,4261,4267,4272],{"id":3147,"depth":621,"text":3150,"children":4252},[4253],{"id":3163,"depth":626,"text":3166},{"id":3239,"depth":621,"text":3242},{"id":3293,"depth":621,"text":3296},{"id":3419,"depth":621,"text":3422,"children":4257},[4258,4259],{"id":3430,"depth":626,"text":3433},{"id":3528,"depth":626,"text":3531},{"id":3657,"depth":621,"text":3660},{"id":3781,"depth":621,"text":3784,"children":4262},[4263,4264,4265,4266],{"id":3792,"depth":626,"text":3795},{"id":3853,"depth":626,"text":3856},{"id":3871,"depth":626,"text":3874},{"id":3934,"depth":626,"text":3937},{"id":3948,"depth":621,"text":3951,"children":4268},[4269,4270,4271],{"id":4015,"depth":626,"text":4018},{"id":4047,"depth":626,"text":4050},{"id":4120,"depth":626,"text":4123},{"id":4228,"depth":621,"text":4231},"content:articles:plus-value-immobiliere-guide.md","articles/plus-value-immobiliere-guide.md","articles/plus-value-immobiliere-guide",1783117569527]