{"id":14178,"date":"2022-07-21T09:00:50","date_gmt":"2022-07-21T07:00:50","guid":{"rendered":"https:\/\/keur-immo.com\/senegal\/?p=14178"},"modified":"2025-08-02T21:07:02","modified_gmt":"2025-08-02T19:07:02","slug":"passer-par-un-credit-immobilier-ou-acheter-comptant","status":"publish","type":"post","link":"https:\/\/keur-immo.com\/senegal\/passer-par-un-credit-immobilier-ou-acheter-comptant\/","title":{"rendered":"Passer par un cr\u00e9dit immobilier ou acheter comptant ?"},"content":{"rendered":"<div style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"advads-3116642827\"><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-2663957349205536\" crossorigin=\"anonymous\"><\/script><ins class=\"adsbygoogle\" style=\"display:block;\" data-ad-client=\"ca-pub-2663957349205536\" \ndata-ad-slot=\"\" \ndata-ad-format=\"auto\"><\/ins>\n<script> \n(adsbygoogle = window.adsbygoogle || []).push({}); \n<\/script>\n<\/div>\n<p>Avoir un compte en banque bien garni peut vous permettre d&rsquo;acheter votre nouveau logement <strong>comptant<\/strong>, sans passer par un <a href=\"https:\/\/keur-immo.com\/senegal\/credit-immobilier-au-senegal-nos-conseils-pour-trouver-le-plus-avantageux\/\">cr\u00e9dit immobilier<\/a>. Souvent per\u00e7u par une dette au sens n\u00e9gatif du terme, recourir \u00e0 un cr\u00e9dit n&rsquo;est pourtant pas d\u00e9nu\u00e9 de sens. Bien au contraire ! Il y a en fait des avantages aux 2 pratiques. Dans des cas sp\u00e9cifiques, l&rsquo;une sera plus adapt\u00e9e que l&rsquo;autre. Voyons tout cela dans cet article.<\/p>\n<hr \/>\n<h4>ACHETER COMPTANT : PAS DE CLAUSE SUSPENSIVE DE PR\u00caT<\/h4>\n<p>C&rsquo;est un <strong>atout ind\u00e9niable<\/strong> pour un acqu\u00e9reur qui formule une offre d&rsquo;achat pour un bien immobilier. Acheter comptant supprime de fait toute clause suspensive de pr\u00eat. En effet, lorsqu&rsquo;un acqu\u00e9reur passe par un pr\u00eat immobilier, cette clause sera tr\u00e8s majoritairement inscrite dans le compromis de vente.<\/p>\n<p>Il y a l\u00e0 un risque pour le vendeur de voir sa vente annul\u00e9e car les demandes de pr\u00eat de l&rsquo;acheteur peuvent \u00eatre refus\u00e9es. C&rsquo;est d&rsquo;autant plus le cas si ce dernier n&rsquo;a pas fait les d\u00e9marches n\u00e9cessaires pour estimer sa <strong>capacit\u00e9 d&rsquo;endettement<\/strong>.<\/p>\n<p>Ainsi, acheter un bien immobilier en payant cash peut faire une tr\u00e8s grande diff\u00e9rence, surtout dans les zones o\u00f9 il y a une forte tension immobili\u00e8re (beaucoup de demande). Face \u00e0 2 offres \u00e9quivalentes avec l&rsquo;une comptant et l&rsquo;autre sous condition d&rsquo;obtention de pr\u00eat, le vendeur penchera dans l&rsquo;\u00e9crasante majorit\u00e9 des cas pour la premi\u00e8re. Cette derni\u00e8re lui conf\u00e8re la s\u00e9curit\u00e9 de voir la transaction aller \u00e0 son terme sans incertitude.<\/p>\n<div style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"advads-2516828391\"><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-2663957349205536\" crossorigin=\"anonymous\"><\/script><ins class=\"adsbygoogle\" style=\"display:block;\" data-ad-client=\"ca-pub-2663957349205536\" \ndata-ad-slot=\"\" \ndata-ad-format=\"auto\"><\/ins>\n<script> \n(adsbygoogle = window.adsbygoogle || []).push({}); \n<\/script>\n<\/div>\n<h4><\/h4>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-14181\" src=\"https:\/\/keur-immo.com\/wp-content\/uploads\/sites\/2\/2022\/07\/achat-comptant.jpg\" alt=\"cr\u00e9dit immobilier comptant\" width=\"565\" height=\"376\" srcset=\"https:\/\/keur-immo.com\/senegal\/wp-content\/uploads\/sites\/2\/2022\/07\/achat-comptant.jpg 1920w, https:\/\/keur-immo.com\/senegal\/wp-content\/uploads\/sites\/2\/2022\/07\/achat-comptant-300x200.jpg 300w, https:\/\/keur-immo.com\/senegal\/wp-content\/uploads\/sites\/2\/2022\/07\/achat-comptant-1024x683.jpg 1024w, https:\/\/keur-immo.com\/senegal\/wp-content\/uploads\/sites\/2\/2022\/07\/achat-comptant-768x512.jpg 768w, https:\/\/keur-immo.com\/senegal\/wp-content\/uploads\/sites\/2\/2022\/07\/achat-comptant-1536x1024.jpg 1536w\" sizes=\"(max-width: 565px) 100vw, 565px\" \/><\/p>\n<hr \/>\n<h4>ACHETER COMPTANT : UN CO\u00dbT TOTAL DIMINU\u00c9<\/h4>\n<p>Quand on emprunte de l&rsquo;argent \u00e0 sa banque pour <a href=\"https:\/\/keur-immo.com\/senegal\/immobilier-a-vendre-senegal\/\">acheter un bien immobilier<\/a> (et m\u00eame pour autre chose), il y a forc\u00e9ment des frais qui viennent s&rsquo;ajouter. Entre le taux d&rsquo;int\u00e9r\u00eat, l&rsquo;assurance et autre, vous aurez forc\u00e9ment un prix \u00e0 payer sup\u00e9rieur au montant de base.<\/p>\n<p>C&rsquo;est pour cela qu&rsquo;acqu\u00e9rir une maison au comptant vous permettra de faire des \u00e9conomies sur toutes ces d\u00e9penses annexes.<\/p>\n<p>Il y a une technique bien connue gestionnaires de patrimoine : <strong>le co\u00fbt d&rsquo;opportunit\u00e9<\/strong>. Il s&rsquo;agit de comparer ce que vous auriez pu percevoir si vous aviez plac\u00e9 votre somme emprunt\u00e9e (et donc ce que vous ne gagnez pas en utilisant votre capital au comptant pour un achat immobilier). Cela permet d&rsquo;avoir un marqueur de taille lors de votre choix entre le paiement cash et le pr\u00eat immobilier.<\/p>\n<hr \/>\n<h4>CR\u00c9DIT IMMOBILIER : LA NOTION DE CASHFLOW<\/h4>\n<p>Un investissement immobilier est diff\u00e9rent de l&rsquo;acquisition de sa r\u00e9sidence principale. En effet, vous allez recevoir des loyers tous les mois en mettant votre logement \u00e0 la location.<\/p>\n<p>Quand vous entreprenez d&rsquo;investir dans l&rsquo;immobilier, votre objectif est s\u00fbrement de multiplier les achats afin de vous constituer un <strong>parc immobilier<\/strong> o\u00f9 chaque bien est auto-financ\u00e9 (revenus plus importants que les charges). Si vous financez vos investissements au comptant, vous vous retrouverez s\u00fbrement bloqu\u00e9 lorsque vous aurez utilis\u00e9 toute votre \u00e9pargne.<\/p>\n<p><strong><a href=\"https:\/\/keur-immo.com\/senegal\/credit-immobilier-au-senegal-nos-conseils-pour-trouver-le-plus-avantageux\/\">Un cr\u00e9dit immobilier<\/a><\/strong> partiel ou total sera donc judicieux dans ce cas pr\u00e9cis. En effet, les banque n&rsquo;acceptent g\u00e9n\u00e9ralement que les dossiers o\u00f9 l&rsquo;endettement est inf\u00e9rieur \u00e0 33%. Emprunter vous permettra donc d&rsquo;effectuer plusieurs investissements. En effet, les revenus que g\u00e9n\u00e9reront vos biens viendront directement impacter positivement votre taux d&rsquo;endettement. A moins d&rsquo;avoir une \u00e9pargne tr\u00e8s cons\u00e9quente, le cr\u00e9dit immobilier est le moyen le plus efficace d&rsquo;agrandir son <strong>patrimoine immobilier<\/strong> et conserver son capital.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-14180\" src=\"https:\/\/keur-immo.com\/wp-content\/uploads\/sites\/2\/2022\/07\/Comparer-les-offres-de-credit-immobilier-au-Senegal.jpeg\" alt=\"cr\u00e9dit immobilier comptant\" width=\"579\" height=\"342\" srcset=\"https:\/\/keur-immo.com\/senegal\/wp-content\/uploads\/sites\/2\/2022\/07\/Comparer-les-offres-de-credit-immobilier-au-Senegal.jpeg 800w, https:\/\/keur-immo.com\/senegal\/wp-content\/uploads\/sites\/2\/2022\/07\/Comparer-les-offres-de-credit-immobilier-au-Senegal-300x177.jpeg 300w, https:\/\/keur-immo.com\/senegal\/wp-content\/uploads\/sites\/2\/2022\/07\/Comparer-les-offres-de-credit-immobilier-au-Senegal-768x453.jpeg 768w\" sizes=\"(max-width: 579px) 100vw, 579px\" \/><\/p>\n<hr \/>\n<h4>CR\u00c9DIT IMMOBILIER : UN PUISSANT EFFET DE LEVIER<\/h4>\n<div style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"advads-1579848452\"><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-2663957349205536\" crossorigin=\"anonymous\"><\/script><ins class=\"adsbygoogle\" style=\"display:block;\" data-ad-client=\"ca-pub-2663957349205536\" \ndata-ad-slot=\"\" \ndata-ad-format=\"auto\"><\/ins>\n<script> \n(adsbygoogle = window.adsbygoogle || []).push({}); \n<\/script>\n<\/div>\n<p>Toujours dans le cadre d&rsquo;un investissement locatif, emprunter vous permet de b\u00e9n\u00e9ficier de ce que l&rsquo;on appelle <strong>les effets de levier du cr\u00e9dit immobilier<\/strong>. Dans la mesure o\u00f9 emprunter vous permet de multiplier les acquisitions, c&rsquo;est toute votre rentabilit\u00e9 qui s&rsquo;en trouvera bonifi\u00e9.<\/p>\n<p><strong>EXEMPLE<\/strong> :<\/p>\n<p>Vous avez une \u00e9pargne de 100 000 000 FCFA. Cet \u00e9pargne pourrait constituer par exemple 4 apports de 25 millions chacun. Admettons que ces apports vous permettent d&#8217;emprunter 75 000 000 FCFA par bien immobilier. Vous vous retrouvez donc avec une capacit\u00e9 \u00e0 financer 4 biens \u00e0 100 000 000 FCFA chacun soit 400 000 000 FCFA au total. En d&rsquo;autres termes, une \u00e9pargne de 100 000 000 FCFA vous permet de financer des investissements immobilier \u00e0 hauteur de 400 000 000 FCFA.<\/p>\n<p>Si la rentabilit\u00e9 est de 5% annuelle, vous allez gagner : 400 000 000 x 0.05 = 20 000 000 FCFA. Soit une rentabilit\u00e9 annuelle de 20 000 000 \/ 400 000 000 x 100 = 20%. Pas mal non ?<\/p>\n<p>Si vous aviez investi la totalit\u00e9 de votre \u00e9pargne dans un bien immobilier en payant comptant, vous n&rsquo;auriez gagn\u00e9 \u00ab\u00a0que\u00a0\u00bb 100 000 000 x 0.05 = 5 000 000 FCFA.<\/p>\n<p>En utilisant intelligemment son \u00e9pargne et \u00e0 condition que vos investissements g\u00e9n\u00e8rent r\u00e9guli\u00e8rement des revenus, emprunter reste la meilleure des options.<\/p>\n<hr \/>\n<p><b>Notre avis : Bien que toutes les \u00e9pargnes soient diff\u00e9rentes et les situations uniques, vous aurez bien compris dans cet article que le choix du financement est primordial dans sa strat\u00e9gie patrimoniale. Ainsi, acheter sa r\u00e9sidence principale comptant semble \u00eatre une choix psychologique de choix lorsque l&rsquo;on a les moyens. Mais pour un investissement immobilier, le cr\u00e9dit reste la valeur la plus s\u00fbre pour doper la rentabilit\u00e9.\u00a0<\/b><\/p>\n<p><strong>Vous voulez vous aussi investir dans un bien immobilier ? Voici toutes les annonces de <a href=\"https:\/\/keur-immo.com\/senegal\/immobilier-a-vendre-senegal\/\">biens immobilier \u00e0 la vente au S\u00e9n\u00e9gal<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Avoir un compte en banque bien garni peut vous permettre d&rsquo;acheter votre nouveau logement comptant, sans passer par un cr\u00e9dit immobilier. Souvent per\u00e7u par une dette au sens n\u00e9gatif du terme, recourir \u00e0 un cr\u00e9dit n&rsquo;est pourtant pas d\u00e9nu\u00e9 de sens. Bien au contraire ! Il y a en fait des avantages aux 2 pratiques. [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":14182,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[313],"tags":[],"class_list":["post-14178","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-conseils-pratiques"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Passer par un cr\u00e9dit immobilier ou acheter comptant ? - Keur-Immo S\u00e9n\u00e9gal<\/title>\n<meta name=\"description\" content=\"Acheter comptant ou passer par un cr\u00e9dit immobilier ? 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