{"id":447,"date":"2026-10-01T14:05:38","date_gmt":"2026-10-01T14:05:38","guid":{"rendered":"https:\/\/discopalma.ch\/?p=447"},"modified":"2026-10-01T14:18:47","modified_gmt":"2026-10-01T14:18:47","slug":"acheter-ou-louer-le-calcul-a-faire-avant-de-se-decider","status":"publish","type":"post","link":"https:\/\/discopalma.ch\/de\/acheter-ou-louer-le-calcul-a-faire-avant-de-se-decider\/","title":{"rendered":"Acheter ou louer, le calcul \u00e0 faire avant de se d\u00e9cider"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Acheter son logement peut sembler plus rationnel que verser un loyer chaque mois, mais cette comparaison oublie une partie des co\u00fbts r\u00e9els. Le r\u00e9sultat d\u00e9pend surtout de la dur\u00e9e d&rsquo;occupation, du financement et des d\u00e9penses li\u00e9es au statut de propri\u00e9taire. Un calcul complet permet de comparer les deux options sans partir du principe que l&rsquo;achat est toujours pr\u00e9f\u00e9rable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La dur\u00e9e d&rsquo;occupation peut modifier tout le calcul<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un achat immobilier entra\u00eene plusieurs d\u00e9penses d\u00e8s la signature. Certaines servent directement \u00e0 acqu\u00e9rir le logement. D&rsquo;autres correspondent aux frais li\u00e9s \u00e0 la transaction, au financement ou aux garanties demand\u00e9es par la banque.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ces sommes sont engag\u00e9es au d\u00e9but du projet. Une revente rapide laisse donc peu de temps pour r\u00e9partir leur poids \u00e9conomique.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La dur\u00e9e d&rsquo;occupation constitue pour cette raison l&rsquo;une des premi\u00e8res variables \u00e0 renseigner. Un m\u00e9nage qui envisage de rester quatre ans ne se trouve pas dans la m\u00eame situation qu&rsquo;un autre qui pr\u00e9voit de conserver son logement pendant quinze ans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le calcul peut \u00eatre effectu\u00e9 avec plusieurs sc\u00e9narios. Cinq, huit et douze ans permettent par exemple d&rsquo;observer comment le r\u00e9sultat \u00e9volue sans pr\u00e9tendre conna\u00eetre \u00e0 l&rsquo;avance la date exacte d&rsquo;un futur d\u00e9m\u00e9nagement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette m\u00e9thode est particuli\u00e8rement utile lorsqu&rsquo;une mutation professionnelle, un agrandissement de la famille ou un changement de r\u00e9gion reste envisageable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La mensualit\u00e9 du cr\u00e9dit ne repr\u00e9sente pas le co\u00fbt r\u00e9el<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La Banque de France indiquait dans sa publication du 7 septembre 2026 que le taux moyen des nouveaux cr\u00e9dits \u00e0 l&rsquo;habitat, hors ren\u00e9gociations, frais et assurance, atteignait 3,30 % en juillet 2026. La donn\u00e9e compl\u00e8te est disponible aupr\u00e8s de la <a href=\"https:\/\/www.banque-france.fr\/fr\/statistiques\/credit\/credits-aux-particuliers-2026-07\">Banque de France<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prenons un exemple enti\u00e8rement hypoth\u00e9tique. Un logement co\u00fbte 250 000 euros et l&rsquo;acqu\u00e9reur dispose de 50 000 euros d&rsquo;apport. Le montant emprunt\u00e9 atteint donc 200 000 euros.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avec un financement sur vingt ans au taux nominal de 3,30 %, hors assurance et autres frais, la mensualit\u00e9 th\u00e9orique approche 1 139 euros.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comparer directement cette somme avec un loyer de 1 000 euros donnerait pourtant une vision incompl\u00e8te.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une partie de la mensualit\u00e9 rembourse le capital emprunt\u00e9. Cet argent augmente progressivement la part du bien d\u00e9tenue par l&rsquo;acqu\u00e9reur. Les int\u00e9r\u00eats correspondent en revanche au co\u00fbt du financement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette distinction est essentielle. Deux paiements mensuels proches peuvent avoir une nature \u00e9conomique tr\u00e8s diff\u00e9rente.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les d\u00e9penses de propri\u00e9taire doivent \u00eatre isol\u00e9es<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le remboursement du capital ne suffit pas pour mesurer le co\u00fbt de possession d&rsquo;un logement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le propri\u00e9taire peut supporter des frais li\u00e9s au cr\u00e9dit, une assurance emprunteur, des charges de copropri\u00e9t\u00e9 non r\u00e9cup\u00e9rables, des d\u00e9penses d&rsquo;entretien, certains travaux et des taxes associ\u00e9es \u00e0 la propri\u00e9t\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ces montants varient fortement selon le logement. Un appartement r\u00e9cent dans une copropri\u00e9t\u00e9 peu \u00e9quip\u00e9e ne pr\u00e9sente pas le m\u00eame profil qu&rsquo;un immeuble ancien n\u00e9cessitant des travaux r\u00e9guliers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le calcul gagne donc \u00e0 partir des d\u00e9penses r\u00e9ellement connues plut\u00f4t que d&rsquo;appliquer un pourcentage arbitraire \u00e0 tous les projets.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une comparaison peut notamment int\u00e9grer<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>les int\u00e9r\u00eats pay\u00e9s \u00e0 la banque<\/li>\n\n\n\n<li>l&rsquo;assurance li\u00e9e au financement<\/li>\n\n\n\n<li>les frais engag\u00e9s lors de l&rsquo;acquisition<\/li>\n\n\n\n<li>les d\u00e9penses restant \u00e0 la charge du propri\u00e9taire<\/li>\n\n\n\n<li>les co\u00fbts \u00e9ventuels associ\u00e9s \u00e0 la revente<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Le remboursement du capital reste s\u00e9par\u00e9 de ces d\u00e9penses puisqu&rsquo;il contribue \u00e0 constituer un patrimoine.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">L&rsquo;apport doit aussi entrer dans l&rsquo;\u00e9quation<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un apport personnel r\u00e9duit le montant emprunt\u00e9. Il diminue g\u00e9n\u00e9ralement les int\u00e9r\u00eats futurs et peut rendre le financement plus confortable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il poss\u00e8de n\u00e9anmoins une autre cons\u00e9quence. La somme investie dans le logement n&rsquo;est plus disponible pour un autre usage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans l&rsquo;exemple pr\u00e9c\u00e9dent, 50 000 euros sont immobilis\u00e9s dans l&rsquo;achat. Un locataire disposant de la m\u00eame somme pourrait th\u00e9oriquement la conserver sur un compte ou l&rsquo;investir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le rendement futur de cette \u00e9pargne ne peut pas \u00eatre connu \u00e0 l&rsquo;avance. Il serait donc trompeur d&rsquo;utiliser une performance \u00e9lev\u00e9e comme si elle \u00e9tait garantie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une solution consiste \u00e0 tester plusieurs hypoth\u00e8ses. Un sc\u00e9nario sans rendement, puis des hypoth\u00e8ses prudentes \u00e0 2 % et 4 %, montrent comment le r\u00e9sultat \u00e9volue lorsque le capital conserv\u00e9 par le locataire produit un revenu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ces taux constituent uniquement des exemples de calcul. Ils ne pr\u00e9jugent pas du rendement futur d&rsquo;un placement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Le loyer peut \u00e9voluer pendant la p\u00e9riode \u00e9tudi\u00e9e<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le 10 juillet 2026, l&rsquo;INSEE a publi\u00e9 un indice de r\u00e9f\u00e9rence des loyers de 148,37 pour le deuxi\u00e8me trimestre 2026 en France m\u00e9tropolitaine. Sa progression sur un an atteignait 1,15 %, selon les donn\u00e9es de l&rsquo;<a href=\"https:\/\/www.insee.fr\/fr\/statistiques\/9022797\">INSEE<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette variation ne signifie pas que tous les loyers fran\u00e7ais ont automatiquement augment\u00e9 de 1,15 %. La possibilit\u00e9 de r\u00e9vision d\u00e9pend notamment du contrat et des r\u00e8gles applicables au logement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elle montre en revanche la limite d&rsquo;une simulation conservant exactement le m\u00eame loyer pendant dix ou quinze ans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une comparaison plus solide utilise plusieurs hypoth\u00e8ses d&rsquo;\u00e9volution. Le sc\u00e9nario bas suppose une progression faible. Le sc\u00e9nario central retient une augmentation interm\u00e9diaire. Le sc\u00e9nario haut teste l&rsquo;effet d&rsquo;une hausse plus soutenue.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il devient alors possible d&rsquo;observer la sensibilit\u00e9 du r\u00e9sultat plut\u00f4t que de d\u00e9pendre d&rsquo;une seule projection.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" data-src=\"https:\/\/discopalma.ch\/wp-content\/uploads\/2026\/10\/maison-1-1024x683.jpg\" alt=\"\" class=\"wp-image-452 lazyload\" data-srcset=\"https:\/\/discopalma.ch\/wp-content\/uploads\/2026\/10\/maison-1-1024x683.jpg 1024w, https:\/\/discopalma.ch\/wp-content\/uploads\/2026\/10\/maison-1-300x200.jpg 300w, https:\/\/discopalma.ch\/wp-content\/uploads\/2026\/10\/maison-1-768x512.jpg 768w, https:\/\/discopalma.ch\/wp-content\/uploads\/2026\/10\/maison-1-1536x1024.jpg 1536w, https:\/\/discopalma.ch\/wp-content\/uploads\/2026\/10\/maison-1-2048x1365.jpg 2048w, https:\/\/discopalma.ch\/wp-content\/uploads\/2026\/10\/maison-1-18x12.jpg 18w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/683;\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Le prix de revente reste la grande inconnue<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un logement achet\u00e9 aujourd&rsquo;hui pourra valoir davantage, autant ou moins lors de sa revente.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette variable influence fortement le calcul de rentabilit\u00e9. Une hausse du prix am\u00e9liore le bilan du propri\u00e9taire. Une baisse peut absorber une partie du capital rembours\u00e9 pendant plusieurs ann\u00e9es.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il est pr\u00e9f\u00e9rable de ne pas construire toute la d\u00e9cision sur une progression automatique du march\u00e9 immobilier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour un logement achet\u00e9 250 000 euros, trois valeurs hypoth\u00e9tiques peuvent \u00eatre compar\u00e9es apr\u00e8s huit ans. Le premier sc\u00e9nario retient 225 000 euros, le deuxi\u00e8me 250 000 euros et le troisi\u00e8me 275 000 euros.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ces chiffres ne constituent pas une pr\u00e9vision de march\u00e9. Ils servent uniquement \u00e0 mesurer la sensibilit\u00e9 du r\u00e9sultat \u00e0 la valeur de revente.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le capital restant d\u00fb doit ensuite \u00eatre retir\u00e9 du produit de la vente afin de conna\u00eetre la valeur nette r\u00e9cup\u00e9r\u00e9e.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Le seuil de rentabilit\u00e9 se calcule ann\u00e9e apr\u00e8s ann\u00e9e<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La m\u00e9thode consiste \u00e0 comparer les co\u00fbts cumul\u00e9s de chaque option pendant une m\u00eame p\u00e9riode.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour l&rsquo;achat, il faut additionner les frais initiaux, les int\u00e9r\u00eats, les assurances, les taxes, les d\u00e9penses d&rsquo;entretien et les \u00e9ventuels co\u00fbts de revente. La valeur nette du logement \u00e0 la fin de la p\u00e9riode vient r\u00e9duire cette somme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour la location, le calcul additionne les loyers et les d\u00e9penses propres au locataire. Le capital qui n&rsquo;a pas \u00e9t\u00e9 immobilis\u00e9 dans un achat reste disponible et peut \u00eatre int\u00e9gr\u00e9 s\u00e9par\u00e9ment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le seuil de rentabilit\u00e9 correspond \u00e0 l&rsquo;ann\u00e9e o\u00f9 le co\u00fbt cumul\u00e9 de l&rsquo;achat devient inf\u00e9rieur \u00e0 celui de la location selon les hypoth\u00e8ses retenues.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce seuil peut appara\u00eetre rapidement dans un cas et beaucoup plus tard dans un autre.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Deux logements comparables donnent un r\u00e9sultat plus utile<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Comparer un appartement achet\u00e9 avec un logement lou\u00e9 tr\u00e8s diff\u00e9rent fausse imm\u00e9diatement le calcul.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La surface, le quartier, l&rsquo;\u00e9tat du b\u00e2timent, les prestations et la qualit\u00e9 \u00e9nerg\u00e9tique doivent rester relativement proches. Sinon, une diff\u00e9rence de co\u00fbt peut simplement refl\u00e9ter une diff\u00e9rence de produit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le m\u00eame principe vaut pour la dur\u00e9e pr\u00e9vue. Une personne susceptible de d\u00e9m\u00e9nager dans trois ans doit accorder beaucoup plus de poids aux d\u00e9penses initiales qu&rsquo;un m\u00e9nage certain de rester longtemps.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le calcul immobilier devient alors personnel sans devenir subjectif. Les hypoth\u00e8ses changent, mais la m\u00e9thode reste identique.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Une d\u00e9cision fond\u00e9e sur plusieurs sc\u00e9narios<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Acheter ne permet pas automatiquement d&rsquo;\u00e9conomiser de l&rsquo;argent. Louer n&rsquo;est pas non plus n\u00e9cessairement plus co\u00fbteux sur une longue p\u00e9riode.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La dur\u00e9e de d\u00e9tention, le taux du cr\u00e9dit, l&rsquo;apport, les frais de propri\u00e9t\u00e9, l&rsquo;\u00e9volution du loyer et la valeur future du logement peuvent faire basculer le r\u00e9sultat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trois sc\u00e9narios suffisent souvent pour identifier les variables d\u00e9cisives. Un sc\u00e9nario prudent, un sc\u00e9nario interm\u00e9diaire et un sc\u00e9nario plus favorable montrent jusqu&rsquo;o\u00f9 le r\u00e9sultat reste stable lorsque certaines hypoth\u00e8ses changent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La simulation fournit une base de comparaison, pas une recommandation financi\u00e8re ou juridique personnalis\u00e9e. Pour une op\u00e9ration r\u00e9elle, les conditions du cr\u00e9dit, les frais exacts, la fiscalit\u00e9 applicable et les documents contractuels doivent \u00eatre v\u00e9rifi\u00e9s aupr\u00e8s des professionnels concern\u00e9s.<\/p>","protected":false},"excerpt":{"rendered":"<p>Acheter son logement peut sembler plus rationnel que verser un loyer chaque mois, mais cette comparaison oublie une partie des co\u00fbts r\u00e9els. Le r\u00e9sultat d\u00e9pend surtout de la dur\u00e9e d&rsquo;occupation, du financement et des d\u00e9penses li\u00e9es au statut de propri\u00e9taire. Un calcul complet permet de comparer les deux options sans partir du principe que l&rsquo;achat [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":449,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-447","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-divers"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.3 - aioseo.com -->\n\t<meta name=\"description\" content=\"Acheter ou louer en immobilier d\u00e9pend du cr\u00e9dit, des frais et de la dur\u00e9e. 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