{"id":11984,"date":"2026-08-24T09:51:37","date_gmt":"2026-08-24T07:51:37","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=11984"},"modified":"2026-09-23T09:58:48","modified_gmt":"2026-09-23T07:58:48","slug":"real-estate-aspects-to-know-before-investing","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/immobilier-aspects-connaitre-avant-investir\/","title":{"rendered":"Real Estate: Things to Know Before Investing"},"content":{"rendered":"\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-1 wp-block-paragraph\"><strong>Une bonne alternative \u00e0 la bourse est l&#8217;achat d&#8217;un bien immobilier direct. Mais dans l&#8217;immobilier, il y a des aspects \u00e0 conna\u00eetre avant d&#8217;investir<\/strong> \ud83e\uddd0<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 ez-toc-wrap-center counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table des mati\u00e8res<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #eeee22;color:#eeee22\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #eeee22;color:#eeee22\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/minimalistefrugaliste.com\/en\/immobilier-aspects-connaitre-avant-investir\/#Produits_recommandes\" >Produits recommand\u00e9s<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/minimalistefrugaliste.com\/en\/immobilier-aspects-connaitre-avant-investir\/#Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/minimalistefrugaliste.com\/en\/immobilier-aspects-connaitre-avant-investir\/#Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/minimalistefrugaliste.com\/en\/immobilier-aspects-connaitre-avant-investir\/#Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/minimalistefrugaliste.com\/en\/immobilier-aspects-connaitre-avant-investir\/#Mon_parcours_avec_linvestissement_immobilier\" >Mon parcours avec l\u2019investissement immobilier<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/immobilier-aspects-connaitre-avant-investir\/#1_La_rentabilite_entre_mythe_et_realite_%F0%9F%93%8A\" >1. La rentabilit\u00e9 : entre mythe et r\u00e9alit\u00e9 \ud83d\udcca<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/immobilier-aspects-connaitre-avant-investir\/#2_Les_depenses_le_trou_noir_de_la_rentabilite_%F0%9F%92%B8\" >2. Les d\u00e9penses : le trou noir de la rentabilit\u00e9 \ud83d\udcb8<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/immobilier-aspects-connaitre-avant-investir\/#3_La_plus-value_largument_choc_des_pro-immobilier_%F0%9F%93%88\" >3. La plus-value : l\u2019argument choc des pro-immobilier \ud83d\udcc8<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/immobilier-aspects-connaitre-avant-investir\/#4_Le_temps_linvestissement_invisible_%E2%8F%B3\" >4. Le temps : l\u2019investissement invisible \u23f3<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/immobilier-aspects-connaitre-avant-investir\/#5_Le_prix_dentree_un_obstacle_de_taille_%F0%9F%92%B0\" >5. Le prix d\u2019entr\u00e9e : un obstacle de taille \ud83d\udcb0<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/immobilier-aspects-connaitre-avant-investir\/#Conclusion_Limmobilier_est-ce_fait_pour_toi_%F0%9F%A4%94\" >Conclusion : L\u2019immobilier, est-ce fait pour toi ? \ud83e\udd14<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/immobilier-aspects-connaitre-avant-investir\/#Mon_opinion\" >Mon opinion<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/immobilier-aspects-connaitre-avant-investir\/#FAQ_Immobilier_Les_aspects_a_connaitre_avant_dinvestir\" >FAQ : Immobilier : Les aspects \u00e0 conna\u00eetre avant d&#8217;investir<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/immobilier-aspects-connaitre-avant-investir\/#Est-ce_que_limmobilier_est_vraiment_rentable_en_Suisse\" >Est-ce que l\u2019immobilier est vraiment rentable en Suisse ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/immobilier-aspects-connaitre-avant-investir\/#Quels_sont_les_couts_caches_quand_on_achete_un_bien_immobilier\" >Quels sont les co\u00fbts cach\u00e9s quand on ach\u00e8te un bien immobilier ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/immobilier-aspects-connaitre-avant-investir\/#Est-ce_que_la_valeur_de_mon_bien_va_forcement_augmenter\" >Est-ce que la valeur de mon bien va forc\u00e9ment augmenter ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/immobilier-aspects-connaitre-avant-investir\/#Combien_de_temps_ca_prend_de_gerer_un_bien_immobilier\" >Combien de temps \u00e7a prend de g\u00e9rer un bien immobilier ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/immobilier-aspects-connaitre-avant-investir\/#Immobilier_Les_aspects_a_connaitre_avant_dinvestir\" >Immobilier : Les aspects \u00e0 conna\u00eetre avant d&#8217;investir<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<div data-block-name=\"woocommerce\/product-collection\" data-collection=\"woocommerce\/product-collection\/hand-picked\" data-dimensions=\"{&quot;widthType&quot;:&quot;fill&quot;}\" data-display-layout=\"{&quot;type&quot;:&quot;flex&quot;,&quot;columns&quot;:5,&quot;shrinkColumns&quot;:true}\" data-hide-controls=\"[&quot;inherit&quot;,&quot;hand-picked&quot;,&quot;filterable&quot;,&quot;order&quot;]\" data-query-context-includes=\"[&quot;collection&quot;]\" data-query-id=\"0\" data-query=\"{&quot;perPage&quot;:9,&quot;pages&quot;:0,&quot;offset&quot;:0,&quot;postType&quot;:&quot;product&quot;,&quot;order&quot;:&quot;asc&quot;,&quot;orderBy&quot;:&quot;post__in&quot;,&quot;search&quot;:&quot;&quot;,&quot;exclude&quot;:[],&quot;inherit&quot;:false,&quot;taxQuery&quot;:[],&quot;isProductCollectionBlock&quot;:true,&quot;featured&quot;:false,&quot;woocommerceOnSale&quot;:false,&quot;woocommerceStockStatus&quot;:[&quot;instock&quot;,&quot;outofstock&quot;,&quot;onbackorder&quot;],&quot;woocommerceAttributes&quot;:[],&quot;woocommerceHandPickedProducts&quot;:[&quot;26085&quot;,&quot;26112&quot;,&quot;26137&quot;],&quot;filterable&quot;:false,&quot;relatedBy&quot;:{&quot;categories&quot;:true,&quot;tags&quot;:true}}\" data-tag-name=\"div\" class=\"wp-block-woocommerce-product-collection is-layout-flow wp-block-woocommerce-product-collection-is-layout-flow\">\n<h2 class=\"wp-block-heading\" style=\"margin-bottom:1rem\"><span class=\"ez-toc-section\" id=\"Produits_recommandes\"><\/span>Produits recommand\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<ul data-block-name=\"woocommerce\/product-template\" class=\"wc-block-product-template__responsive columns-5 wc-block-product-template wp-block-woocommerce-product-template is-layout-flow wp-block-woocommerce-product-template-is-layout-flow\" data-wp-on--scroll=\"actions.watchScroll\" data-wp-init=\"callbacks.initResizeObserver\"><li class=\"wc-block-product post-26085 product type-product status-publish has-post-thumbnail product_tag-guide-depargne product_tag-guide-optimisation-financiere-en-suisse product_tag-livre-econome product_tag-livre-economiser product_tag-livre-finances-personnelles product_tag-livre-frugaliste first instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26085,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26085\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"423\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - 50 astuces pour \u00e9conomiser en Suisse\" data-testid=\"product-image\" data-image-id=\"26088\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?w=1409&amp;ssl=1 1409w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=211%2C300&amp;ssl=1 211w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=423%2C600&amp;ssl=1 423w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=768%2C1090&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1082%2C1536&amp;ssl=1 1082w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1320%2C1874&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=600%2C852&amp;ssl=1 600w\" sizes=\"auto, (max-width: 423px) 100vw, 423px\" data-attachment-id=\"26088\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26088\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=1409%2C2000&amp;ssl=1\" data-orig-size=\"1409,2000\" data-comments-opened=\"1\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" target=\"_self\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\" dir=\"auto\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26085\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - 50 astuces pour \u00e9conomiser en Suisse&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26112 product type-product status-publish has-post-thumbnail product_tag-guide-complet-investissement product_tag-livre-finances-personnelles product_tag-livre-investissement product_tag-livre-investissement-boursier product_tag-livre-liberte-financiere product_tag-livre-sp-500  instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26112,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26112\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"384\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi\" data-testid=\"product-image\" data-image-id=\"26114\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?w=512&amp;ssl=1 512w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=192%2C300&amp;ssl=1 192w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=384%2C600&amp;ssl=1 384w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=8%2C12&amp;ssl=1 8w\" sizes=\"auto, (max-width: 384px) 100vw, 384px\" data-attachment-id=\"26114\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26114\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=512%2C800&amp;ssl=1\" data-orig-size=\"512,800\" data-comments-opened=\"1\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" target=\"_self\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\" dir=\"auto\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26112\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26137 product type-product status-publish has-post-thumbnail product_tag-anti-surconsommation product_tag-autodiscipline product_tag-autonomie product_tag-ecologie product_tag-economie product_tag-epargne 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wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"376\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Guide E-book - Lib\u00e8re-toi de la surconsommation\" data-testid=\"product-image\" data-image-id=\"26138\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?w=1410&amp;ssl=1 1410w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=188%2C300&amp;ssl=1 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https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=600%2C957&amp;ssl=1 600w\" sizes=\"auto, (max-width: 376px) 100vw, 376px\" data-attachment-id=\"26138\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26138\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=1410%2C2250&amp;ssl=1\" data-orig-size=\"1410,2250\" data-comments-opened=\"1\" data-image-meta=\"{&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"pochette lib\u00e8re-toi de la surconsommation\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" target=\"_self\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\" dir=\"auto\">&#67;&#72;&#70;<\/span>&nbsp;10.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26137\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Guide E-book - Lib\u00e8re-toi de la surconsommation&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><\/ul>\n\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-2\"><span class=\"ez-toc-section\" id=\"Mon_parcours_avec_linvestissement_immobilier\"><\/span><strong>Mon parcours avec l\u2019investissement immobilier<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><em>&#8220;La pierre, c\u2019est la s\u00e9curit\u00e9. Le meilleur placement qui soit.&#8221;<\/em><br>Combien de fois ai-je entendu cette phrase en grandissant de la part de ma famille ? <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Apr\u00e8s avoir test\u00e9 par moi-m\u00eame l&#8217;immobilier, je peux te dire que la r\u00e9alit\u00e9 est bien plus nuanc\u00e9e. Et si tu penses que l\u2019immobilier est un eldorado sans effort, accroche-toi\u2026 Je vais te partager mon retour d\u2019exp\u00e9rience, <strong>sans filtre<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\u26a0\ufe0f Petit disclaimer avant de commencer : Cet article ne constitue <strong>pas<\/strong> un conseil en investissement. L\u2019immobilier, comme tout placement, comporte des risques (et des gal\u00e8res). \u00c0 toi de te forger ta propre opinion !<\/em><\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6ad465f5360d8&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6ad465f5360d8\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"32516\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/immobilier-aspects-connaitre-avant-investir\/minimaliste-et-frugaliste-6a8be72572077\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8be72572077.png?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-title=\"R\u00e9flexion entre achat et location immobili\u00e8re\" data-image-description=\"&lt;p&gt;Une illustration chaleureuse montre un jeune homme pensif assis \u00e0 une table, la main au menton, devant une fen\u00eatre donnant sur un quartier r\u00e9sidentiel. Au-dessus de lui, des bulles pr\u00e9sentent un int\u00e9rieur moderne et une calculatrice avec des pi\u00e8ces, symbolisant les choix financiers li\u00e9s au logement. Des ic\u00f4nes de cl\u00e9s, de maisons, d\u2019un immeuble et d\u2019une balance opposent les options \u00ab ACHETER \u00bb et \u00ab LOUER \u00bb. Le texte principal en haut demande : \u00ab FAUT-IL ACHETER DE L\u2019IMMOBILIER ? \u00bb.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;Un jeune homme compare les avantages d\u2019acheter ou de louer un logement.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8be72572077.png?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8be72572077.png?resize=600%2C600&#038;ssl=1\" alt=\"\u00ab FAUT-IL ACHETER DE L\u2019IMMOBILIER ? \u00bb, \u00ab ACHETER \u00bb, \u00ab LOUER \u00bb, avec cl\u00e9s, maisons et calculatrice - Immobilier : Les aspects \u00e0 conna\u00eetre avant d'investir\" class=\"wp-image-32516\" style=\"width:378px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8be72572077.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8be72572077.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8be72572077.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8be72572077.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8be72572077.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8be72572077.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/08\/minimaliste-et-frugaliste-6a8be72572077.png?w=1024&amp;ssl=1 1024w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-3\"><span class=\"ez-toc-section\" id=\"1_La_rentabilite_entre_mythe_et_realite_%F0%9F%93%8A\"><\/span><strong>1. La rentabilit\u00e9 : entre mythe et r\u00e9alit\u00e9 \ud83d\udcca<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Le calcul de base : achat vs. loyers<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Quand on parle de rentabilit\u00e9 immobili\u00e8re, on te sort souvent des chiffres <strong>all\u00e9chants<\/strong> : <em>&#8220;11% de rendement annuel, c\u2019est possible !&#8221;<\/em> Oui c&#8217;est possible <strong>parfois<\/strong>. Mais c\u2019est l\u2019exception, pas la r\u00e8gle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En Suisse, la r\u00e9alit\u00e9 est bien plus terre-\u00e0-terre :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Rentabilit\u00e9 brute moyenne<\/strong> (prix au m\u00b2 vs. loyer annuel) : <strong>~3%<\/strong> (un peu plus ou moins selon la r\u00e9gion et le type de bien) selon un article<a href=\"https:\/\/www.b-sharpe.com\/blog\/immobilier-ou-investir-suisse\/\" target=\"_blank\" rel=\"noreferrer noopener\">*<\/a><\/li>\n\n\n\n<li>En France, certaines villes offrent des rendements bruts de <strong>8%<\/strong>. <em>Mais attention<\/em> : ces chiffres ne tiennent pas compte des <strong>frais r\u00e9els<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Mon constat<\/strong> : Apr\u00e8s avoir creus\u00e9 le sujet, <strong>3% de rentabilit\u00e9 annuelle<\/strong>, c\u2019est d\u00e9j\u00e0 consid\u00e9r\u00e9e un bon rendement dans la plupart des villes suisses. Et encore, c\u2019est <strong>avant<\/strong> d\u2019avoir soustrait toutes les d\u00e9penses\u2026<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-4\"><span class=\"ez-toc-section\" id=\"2_Les_depenses_le_trou_noir_de_la_rentabilite_%F0%9F%92%B8\"><\/span><strong>2. Les d\u00e9penses : le trou noir de la rentabilit\u00e9 \ud83d\udcb8<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Supoosons qu&#8217;on a trouv\u00e9 le bien immobilier super rentable avec  <strong>8% de rendement brut<\/strong>&#8211; C&#8217;est bien, mais pr\u00e9pare-toi \u00e0 une <strong>douche froide<\/strong> quand tu vas lister toutes les d\u00e9penses. En voici une liste <strong>non exhaustive<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Imp\u00f4ts<\/strong> (sur la fortune, sur les loyers)<\/li>\n\n\n\n<li><strong>Charges<\/strong> (copropri\u00e9t\u00e9, entretien, etc.)<\/li>\n\n\n\n<li><strong>Assurances<\/strong> (b\u00e2timent, responsabilit\u00e9 civile, etc.)<\/li>\n\n\n\n<li><strong>Int\u00e9r\u00eats<\/strong> (si tu as un cr\u00e9dit)<\/li>\n\n\n\n<li><strong>Taxe fonci\u00e8re<\/strong><\/li>\n\n\n\n<li><strong>Frais de notaire<\/strong> (d\u00e8s l\u2019achat)<\/li>\n\n\n\n<li><strong>Frais de gestion<\/strong> (si tu passes par une r\u00e9gie)<\/li>\n\n\n\n<li><strong>R\u00e9parations<\/strong> (et l\u00e0, c\u2019est la loterie\u2026 un toit \u00e0 refaire ? 20\u2019000 CHF. Une chaudi\u00e8re HS ? 10\u2019000 CHF. <strong>Personne n\u2019est \u00e0 l\u2019abri<\/strong>).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Mon estimation<\/strong> : Compte <strong>au minimum 2% de la valeur du bien en frais annuels<\/strong>. Et c\u2019est si tout va bien.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>R\u00e9sultat<\/strong> : 3% de rentabilit\u00e9 \u2013 2% de frais = <strong>1% net<\/strong>. Pas de quoi faire r\u00eaver\u2026<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Et cela, sans compter les <strong>risques locatifs<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loyers impay\u00e9s<\/li>\n\n\n\n<li>Vacance locative (quelques mois sans locataire, \u00e7a arrive)<\/li>\n\n\n\n<li>Frais de r\u00e9gie pour g\u00e9rer les locataires probl\u00e9matiques<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udca1 Le conseil que j\u2019aurais aim\u00e9 recevoir : Les d\u00e9penses vont manger une bonne partie de la rentabilit\u00e9.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-5\"><span class=\"ez-toc-section\" id=\"3_La_plus-value_largument_choc_des_pro-immobilier_%F0%9F%93%88\"><\/span><strong>3. La plus-value : l\u2019argument choc des pro-immobilier \ud83d\udcc8<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><em>&#8220;Mais l\u2019immobilier prend de la valeur avec le temps !&#8221;<\/em><br>Oui, c\u2019est vrai. Selon l\u2019Office f\u00e9d\u00e9ral de la statistique, l\u2019immobilier en Suisse a pris <strong>3.3% par an en moyenne entre 2017 et 2023<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Mais<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ce n\u2019est <strong>pas une garantie<\/strong> pour l\u2019avenir (les prix peuvent stagner, voire baisser).<\/li>\n\n\n\n<li>\u00c7a d\u00e9pend <strong>\u00e9norm\u00e9ment de la r\u00e9gion<\/strong> (Gen\u00e8ve \u2260 Valais \u2260 Jura).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Voici un tableau avec un exemple concret de cet article :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--1\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Poste<\/th><th class=\"has-text-align-center\" data-align=\"center\">% annualis\u00e9 moyen<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Rentabilit\u00e9 locative<\/td><td class=\"has-text-align-center\" data-align=\"center\">+3%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">D\u00e9penses<\/td><td class=\"has-text-align-center\" data-align=\"center\">-2%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Plus-value<\/td><td class=\"has-text-align-center\" data-align=\"center\">+3.3%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Total estim\u00e9<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>~4.3% par an<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">4,3% annualis\u00e9 par ann\u00e9e selon les chiffres de cet article.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Sur le papier, \u00e7a reste int\u00e9ressant.<\/em> <strong>Mais<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ce 4.3% est <strong>th\u00e9orique<\/strong> (et plut\u00f4t optimiste).<\/li>\n\n\n\n<li>Il faut <strong>des d\u00e9cennies<\/strong> pour que \u00e7a compense vraiment.<\/li>\n\n\n\n<li>Et surtout\u2026 <strong>il faut g\u00e9rer tout \u00e7a<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Quand on y pense, un simple ETF S&amp;P 500 a obtenu une moyenne annualis\u00e9 sur 20 ans de 10% annualis\u00e9. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est-\u00e0-dire, il serait possible de gagner deux fois plus d&#8217;argent avec un ETF S&amp;P500, pour deux fois moins de travail.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-6\"><span class=\"ez-toc-section\" id=\"4_Le_temps_linvestissement_invisible_%E2%8F%B3\"><\/span><strong>4. Le temps : l\u2019investissement invisible \u23f3<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Acheter un bien immobilier, c\u2019est presque comme adopter un <strong>deuxi\u00e8me job<\/strong> (non r\u00e9mun\u00e9r\u00e9).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici ce qui t\u2019attend :<br>\u2705 <strong>Gestion administrative<\/strong> (charges, assurances, imp\u00f4ts\u2026)<br>\u2705 <strong>R\u00e9unions de copro<\/strong> (et les disputes de voisins, un classique)<br>\u2705 <strong>Devis et r\u00e9parations<\/strong> (trouver un bon artisan, c\u2019est parfois une qu\u00eate)<br>\u2705 <strong>Gestion de la dette<\/strong> (si tu as un cr\u00e9dit)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Et si tu loues ton bien, ajoute :<br>\u2705 <strong>Visites avec les candidats<\/strong> (quand il y en a\u2026)<br>\u2705 <strong>S\u00e9lection des locataires<\/strong> (le mauvais choix peut te co\u00fbter cher)<br>\u2705 <strong>\u00c9tat des lieux, cautions, rappels de loyer<\/strong> (les locataires qui &#8220;oublient&#8221; de payer, \u00e7a existe)<br>\u2705 <strong>R\u00e9parations du mobilier<\/strong> (si tu loues meubl\u00e9)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Mon exp\u00e9rience<\/strong> : J\u2019ai pass\u00e9 <strong>des dizaines d\u2019heures par an<\/strong> \u00e0 g\u00e9rer mes biens. Des heures que j\u2019aurais pu consacrer \u00e0 <strong>ma famille, mes passions, ou\u2026 mon portefeuille d\u2019ETF<\/strong> (qui ne demande <strong>aucun effort<\/strong> apr\u00e8s l\u2019achat).<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-7\"><span class=\"ez-toc-section\" id=\"5_Le_prix_dentree_un_obstacle_de_taille_%F0%9F%92%B0\"><\/span><strong>5. Le prix d\u2019entr\u00e9e : un obstacle de taille \ud83d\udcb0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Contrairement \u00e0 un ETF o\u00f9 tu peux commencer avec <strong>100 CHF<\/strong>, l\u2019immobilier direct, c\u2019est :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Des dizaines (voire centaines) de milliers de CHF<\/strong> \u00e0 investir d\u2019un coup.<\/li>\n\n\n\n<li><strong>Des ann\u00e9es d\u2019\u00e9pargne<\/strong><\/li>\n\n\n\n<li><strong>Un cr\u00e9dit immobilier<\/strong> pour la plupart des acheteurs (et donc des ann\u00e9es de remboursement).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <strong>Le pi\u00e8ge<\/strong> : Beaucoup d\u00e9couvrent <strong>apr\u00e8s l\u2019achat<\/strong> si l\u2019immobilier leur convient vraiment. Et \u00e0 ce moment-l\u00e0, c\u2019est souvent <strong>trop tard<\/strong> pour faire machine arri\u00e8re sans perdre d\u2019argent.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6ad465f539ed0&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6ad465f539ed0\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"32522\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/immobilier-aspects-connaitre-avant-investir\/graphique-acheter-pour-louer-contraintes\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/graphique-acheter-pour-louer-contraintes.png?fit=1254%2C1254&amp;ssl=1\" data-orig-size=\"1254,1254\" data-comments-opened=\"1\" data-image-title=\"graphique &amp;#8211; acheter pour louer contraintes\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/graphique-acheter-pour-louer-contraintes.png?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/graphique-acheter-pour-louer-contraintes.png?resize=600%2C600&#038;ssl=1\" alt=\"acheter de l'immobilier pour louer - Immobilier : Les aspects \u00e0 conna\u00eetre avant d'investir\" class=\"wp-image-32522\" style=\"width:566px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/graphique-acheter-pour-louer-contraintes.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/graphique-acheter-pour-louer-contraintes.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/graphique-acheter-pour-louer-contraintes.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/graphique-acheter-pour-louer-contraintes.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/graphique-acheter-pour-louer-contraintes.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/graphique-acheter-pour-louer-contraintes.png?resize=1200%2C1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/graphique-acheter-pour-louer-contraintes.png?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/graphique-acheter-pour-louer-contraintes.png?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/graphique-acheter-pour-louer-contraintes.png?resize=200%2C200&amp;ssl=1 200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/graphique-acheter-pour-louer-contraintes.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/graphique-acheter-pour-louer-contraintes.png?w=1254&amp;ssl=1 1254w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-8 wp-block-paragraph\">Immobilier : Les aspects \u00e0 conna\u00eetre avant d&#8217;investir<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"Conclusion_Limmobilier_est-ce_fait_pour_toi_%F0%9F%A4%94\"><\/span><strong>Conclusion : L\u2019immobilier, est-ce fait pour toi ? \ud83e\udd14<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mon but avec cet article ? <strong>Te donner une vision r\u00e9aliste<\/strong> de l\u2019immobilier direct.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>Les points positifs<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Oui, il y a des <strong>bonnes affaires<\/strong>.<\/li>\n\n\n\n<li>Oui, la <strong>plus-value<\/strong> peut \u00eatre int\u00e9ressante sur le long terme.<\/li>\n\n\n\n<li>Parfois, certains y trouvent leur bonheur.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u274c <strong>Les points n\u00e9gatifs<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Peu rentable<\/strong> une fois les frais d\u00e9duits.<\/li>\n\n\n\n<li>Parfois <strong>compliqu\u00e9 \u00e0 g\u00e9rer<\/strong> (surtout si tu g\u00e8res toi-m\u00eame).<\/li>\n\n\n\n<li><strong>Risqu\u00e9<\/strong> (impr\u00e9vus, vacance locative, march\u00e9 qui stagne\u2026).<\/li>\n\n\n\n<li><strong>Co\u00fbteux \u00e0 l\u2019entr\u00e9e<\/strong> (et en sortie, avec les frais de vente).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-9\"><span class=\"ez-toc-section\" id=\"Mon_opinion\"><\/span><strong>Mon opinion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Selon moi, je n&#8217;ach\u00e8terai de l&#8217;immobilier direct que pour acheter ma maison, et je n&#8217;investis plus un centime dans l&#8217;immobilier locatif.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En effet, je pense qu&#8217;il y a des meilleures opportunit\u00e9s avec la bourse, pour une gestion plus simple.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si tu veux <strong>ajouter absolument de l&#8217;immobilier locatif dans ton patrimoine, je viserai des solutions passives<\/strong>, il existe des alternatives <strong>beaucoup plus simples<\/strong> comme par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Les SCPI<\/strong> (Soci\u00e9t\u00e9s Civiles de Placement Immobilier) : Tu ach\u00e8tes des parts, et une \u00e9quipe g\u00e8re tout pour toi.<\/li>\n\n\n\n<li><strong>Les ETF REITs<\/strong> : Des fonds qui investissent dans l\u2019immobilier cot\u00e9 en bourse. <strong>Diversifi\u00e9, liquide, et sans gestion<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em>(Je d\u00e9velopperai ces options dans un prochain article sur ma page &#8220;Investissement&#8221;)<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"FAQ_Immobilier_Les_aspects_a_connaitre_avant_dinvestir\"><\/span><strong>FAQ : <\/strong>Immobilier : Les aspects \u00e0 conna\u00eetre avant d&#8217;investir<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-10\"><span class=\"ez-toc-section\" id=\"Est-ce_que_limmobilier_est_vraiment_rentable_en_Suisse\"><\/span><strong>Est-ce que l\u2019immobilier est vraiment rentable en Suisse ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En moyenne, la <strong>rentabilit\u00e9 brute<\/strong> (loyers vs. prix d\u2019achat) tourne autour de <strong>3%<\/strong> en Suisse, avec des variations selon les r\u00e9gions. Mais une fois les <strong>frais (2% minimum)<\/strong> et les <strong>impr\u00e9vus<\/strong> d\u00e9duits, la rentabilit\u00e9 <strong>nette<\/strong> peut chuter \u00e0 <strong>1% ou moins<\/strong>.<br><em>Mon conseil<\/em> : Ne compte pas sur l\u2019immobilier pour t\u2019enrichir rapidement. C\u2019est un placement <strong>long terme<\/strong>, et encore faut-il que le march\u00e9 soit porteur.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-11\"><span class=\"ez-toc-section\" id=\"Quels_sont_les_couts_caches_quand_on_achete_un_bien_immobilier\"><\/span><strong>Quels sont les co\u00fbts cach\u00e9s quand on ach\u00e8te un bien immobilier ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pr\u00e9pare-toi \u00e0 une <strong>liste interminable<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Frais de notaire<\/strong> (d\u00e8s l\u2019achat)<\/li>\n\n\n\n<li><strong>Imp\u00f4ts<\/strong> (sur la fortune, les loyers, etc.)<\/li>\n\n\n\n<li><strong>Charges de copropri\u00e9t\u00e9<\/strong> (si applicable)<\/li>\n\n\n\n<li><strong>Assurances<\/strong> (b\u00e2timent, responsabilit\u00e9 civile)<\/li>\n\n\n\n<li><strong>R\u00e9parations<\/strong> (toit, chauffage, plomberie\u2026 un vrai budget !)<\/li>\n\n\n\n<li><strong>Frais de gestion<\/strong> (si tu passes par une r\u00e9gie)<\/li>\n\n\n\n<li><strong>Vacance locative<\/strong> (p\u00e9riodes sans locataire)<\/li>\n\n\n\n<li><strong>Loyers impay\u00e9s<\/strong> (le cauchemar de tout propri\u00e9taire)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <em>Astuce<\/em> : <strong>Pr\u00e9vois 2% de la valeur du bien par an<\/strong> pour les frais, et garde une <strong>r\u00e9serve d\u2019urgence<\/strong> pour les grosses r\u00e9parations.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-12\"><span class=\"ez-toc-section\" id=\"Est-ce_que_la_valeur_de_mon_bien_va_forcement_augmenter\"><\/span><strong>Est-ce que la valeur de mon bien va forc\u00e9ment augmenter ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Non, rien n\u2019est garanti.<\/strong><br>En Suisse, l\u2019immobilier a pris <strong>3.3% par an en moyenne entre 2017 et 2023<\/strong>, mais :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00c7a d\u00e9pend <strong>\u00e9norm\u00e9ment de la r\u00e9gion<\/strong> (Gen\u00e8ve \u2260 Berne \u2260 Tessin).<\/li>\n\n\n\n<li>Le march\u00e9 peut <strong>stagner<\/strong> (voire baisser) pendant des ann\u00e9es.<\/li>\n\n\n\n<li>Les <strong>crises \u00e9conomiques<\/strong> ou les <strong>changements d\u00e9mographiques<\/strong> peuvent impacter les prix.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <em>\u00c0 retenir<\/em> : La plus-value, c\u2019est un <strong>bonus<\/strong>, pas une certitude.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-13\"><span class=\"ez-toc-section\" id=\"Combien_de_temps_ca_prend_de_gerer_un_bien_immobilier\"><\/span><strong>Combien de temps \u00e7a prend de g\u00e9rer un bien immobilier ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Beaucoup plus que tu ne le penses.<\/strong><br>Entre :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L\u2019<strong>administratif<\/strong> (charges, assurances, imp\u00f4ts)<\/li>\n\n\n\n<li>Les <strong>r\u00e9parations<\/strong> (devis, artisans, suivi)<\/li>\n\n\n\n<li>La <strong>gestion locative<\/strong> (visites, s\u00e9lection des locataires, \u00e9tats des lieux, rappels de loyer\u2026)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Compte <strong>plusieurs dizaines d\u2019heures par an<\/strong>. Et si tu as un probl\u00e8me (un locataire difficile, une fuite d\u2019eau), \u00e7a peut vite devenir <strong>un vrai casse-t\u00eate<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <em>Alternative<\/em> : Si tu veux \u00e9viter \u00e7a, les <strong>SCPI<\/strong> ou les <strong>ETF REITs<\/strong> sont des solutions <strong>sans gestion<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-14\"><strong>Je n\u2019ai pas 500\u2019000 CHF \u00e0 investir. Puis-je quand m\u00eame me lancer dans l\u2019immobilier ?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Oui, mais <strong>pas en direct<\/strong>.<br>Avec un budget limit\u00e9, tu as deux options <strong>beaucoup plus accessibles<\/strong> :<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Les SCPI<\/strong> : Tu ach\u00e8tes des <strong>parts<\/strong> dans une soci\u00e9t\u00e9 qui g\u00e8re des biens immobiliers pour toi. <strong>Diversifi\u00e9, passif, et sans soucis de gestion.<\/strong><\/li>\n\n\n\n<li><strong>Les ETF REITs<\/strong> : Des fonds cot\u00e9s en bourse qui investissent dans l\u2019immobilier. <strong>Liquide, diversifi\u00e9, et avec des frais r\u00e9duits.<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 <em>Mon avis<\/em> : Ces solutions te permettent de <strong>t\u2019exposer \u00e0 l\u2019immobilier sans les contraintes<\/strong> (et sans t\u2019endetter jusqu\u2019au cou).<\/p>\n\n\n\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-15 wp-block-paragraph\"><strong>Immobilier : Les aspects \u00e0 conna\u00eetre avant d&#8217;investir<\/strong><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-primary-color has-text-color has-background has-medium-font-size\" style=\"background-color:#123102\"><strong>Abonne-toi pour les nouveaut\u00e9s<\/strong><\/h5>\n\n\n<div class=\"wp-block-jetpack-subscriptions__supports-newline wp-block-jetpack-subscriptions\">\n\t\t<div>\n\t\t\t<div>\n\t\t\t\t<div>\n\t\t\t\t\t<p >\n\t\t\t\t\t\t<a href=\"https:\/\/minimalistefrugaliste.com\/en\/?post_type=post&#038;p=11984\" style=\"font-size: 16px;padding: 15px 23px 15px 23px;margin: 0; margin-left: 10px;border-radius: 0px;border-width: 1px; background-color: #113AF5; color: #FFFFFF; text-decoration: none; white-space: nowrap; margin-left: 0\">Abonne-toi<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-background\" style=\"background-color:#2a0202\"><strong>Tu as un projet frugaliste ou minimaliste et tu souhaites une formation? Clique &#8221;<a href=\"https:\/\/minimalistefrugaliste.com\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">ici<\/a>&#8221;.<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-social-links is-content-justification-center is-layout-flex wp-container-core-social-links-is-layout-a89b3969 wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-youtube wp-block-social-link\"><a href=\"https:\/\/www.youtube.com\/@minimalistefrugaliste\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M21.8,8.001c0,0-0.195-1.378-0.795-1.985c-0.76-0.797-1.613-0.801-2.004-0.847c-2.799-0.202-6.997-0.202-6.997-0.202 h-0.009c0,0-4.198,0-6.997,0.202C4.608,5.216,3.756,5.22,2.995,6.016C2.395,6.623,2.2,8.001,2.2,8.001S2,9.62,2,11.238v1.517 c0,1.618,0.2,3.237,0.2,3.237s0.195,1.378,0.795,1.985c0.761,0.797,1.76,0.771,2.205,0.855c1.6,0.153,6.8,0.201,6.8,0.201 s4.203-0.006,7.001-0.209c0.391-0.047,1.243-0.051,2.004-0.847c0.6-0.607,0.795-1.985,0.795-1.985s0.2-1.618,0.2-3.237v-1.517 C22,9.62,21.8,8.001,21.8,8.001z M9.935,14.594l-0.001-5.62l5.404,2.82L9.935,14.594z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">YouTube<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-linkedin wp-block-social-link\"><a href=\"https:\/\/www.linkedin.com\/in\/minimalistefrugaliste\/\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M19.7,3H4.3C3.582,3,3,3.582,3,4.3v15.4C3,20.418,3.582,21,4.3,21h15.4c0.718,0,1.3-0.582,1.3-1.3V4.3 C21,3.582,20.418,3,19.7,3z M8.339,18.338H5.667v-8.59h2.672V18.338z M7.004,8.574c-0.857,0-1.549-0.694-1.549-1.548 c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">LinkedIn<\/span><\/a><\/li><\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>N&#8217;h\u00e9site pas \u00e0 lire mes Pages<\/strong><\/h5>\n\n\n<ul class=\"wp-block-page-list\"><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/a-propos-de-moi\/\">\u00c0 propos de moi<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/epargne-frugalisme\/\">\u00c9pargne \/ Frugalisme<\/a><\/li><li class=\"wp-block-pages-list__item menu-item-home\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/\">Bienvenue<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/blog\/\">Blog<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/boutique\/\">Boutique<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/contact-dons\/\">Contact<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/formation-e-book\/\">Formation \/ E-book<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement\/\">Investissement<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/page-minimaliste\/\">Minimaliste<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/mon-compte\/\">Mon compte<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/newsletter\/\">Newsletter<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\">Panier<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commander\/\">Validation de la commande<\/a><\/li><\/ul>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>Derniers articles<\/strong><\/h5>\n\n\n<ul class=\"wp-block-latest-posts__list wp-block-latest-posts is-layout-flow wp-block-latest-posts-is-layout-flow\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/apres-10-ans-investissement-en-etf-quel-etf-je-choisirais\/\">Apr\u00e8s 10 ans d\u2019investissement en ETF : quel ETF je choisirais<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-liberte-financiere-pourquoi-les-premiers-100000-sont-les-plus-difficiles\/\">La libert\u00e9 financi\u00e8re : pourquoi les premiers 100&#8217;000 sont les plus difficiles<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/meilleur-conseil-du-monde-economiser\/\">Le meilleur conseil du monde pour \u00e9conomiser<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/banque-neon\/\">La banque Neon, le r\u00e9sum\u00e9<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-digitalisation-influence-minimaliste\/\">Comment la digitalisation influence le minimaliste?<\/a><\/li>\n<\/ul>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Comment vit ce blog?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Globalement, ce blog vit du partage d\u2019un mode de vie frugale et minimaliste.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour une question de transparence envers les lecteurs. Tous les produits conseill\u00e9s sont dans le but de rendre la vie moins ch\u00e8re, plus simple et pour favoriser l&#8217;essentiel.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-16 wp-block-paragraph\"><strong>Essentiellement, mes seuls revenus avec ce blog viennent:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Des formations que je r\u00e9alise, <\/li>\n\n\n\n<li>Des codes promo pour les produits que j\u2019utilise <\/li>\n\n\n\n<li>Des dons que les lecteurs font en \u00e9change d\u2019informations neutres.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>\u00c0 propos de Moi<\/strong><\/h5>\n\n\n\n<h6 class=\"wp-block-heading has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-17\"><strong>J&#8217;ai en effet d\u00e9cid\u00e9 de cr\u00e9er ce blog pour me d\u00e9velopper et aider les lecteurs qui recherchent une vie plus simple et plus \u00e9conome.<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">Comparativement \u00e0 avant, j&#8217;\u00e9tais une personne qui consommais beaucoup <strong><span style=\"text-decoration: underline;\">jusqu&#8217;au jour o\u00f9 j&#8217;ai compris que ma consommation me rendais plus triste et plus pauvre<\/span><\/strong> \ud83d\ude11<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9sormais, <strong><span style=\"text-decoration: underline;\">je privil\u00e9gie le minimum de mes besoins pour \u00eatre heureux et atteindre ma libert\u00e9 financi\u00e8re.<\/span><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sans me rendre compte, j<strong><span style=\"text-decoration: underline;\">&#8216;ai commenc\u00e9 \u00e0 privil\u00e9gier l&#8217;\u00e9pargne et les investissements pour d\u00e9pendre d&#8217;un patron le moins longtemps possible<\/span><\/strong> et pour acc\u00e9l\u00e9rer mes projets personnels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depuis quelques ann\u00e9es je me sens heureux et je m&#8217;enrichis d&#8217;une fa\u00e7on que j&#8217;aurai jamais imagin\u00e9 vu que j&#8217;ai un salaire moyen en Suisse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est dans ce but que j&#8217;ai d\u00e9cid\u00e9 de cr\u00e9er ce blog. Afin de partager et apprendre avec d&#8217;autres personnes qui recherchent \u00e0 la libert\u00e9 et la simplicit\u00e9 \ud83d\ude09<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Es-tu plut\u00f4t minimaliste ou frugaliste Jo?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><span style=\"text-decoration: underline;\">Je suis aussi bien minimaliste que frugaliste.<\/span><\/strong> Toutefois, il y a des situations o\u00f9 je me penche plus vers un art de vie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour conclure, je pense que le plus important est se sentir confortable dans son art de vie \ud83d\ude0a<\/p>\n\n\n\n<p class=\"has-background-color has-text-color has-link-color wp-elements-18 wp-block-paragraph\">Immobilier : Les aspects \u00e0 conna\u00eetre avant d&#8217;investir<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-19\"><span class=\"ez-toc-section\" id=\"Immobilier_Les_aspects_a_connaitre_avant_dinvestir\"><\/span>Immobilier : Les aspects \u00e0 conna\u00eetre avant d&#8217;investir<span class=\"ez-toc-section-end\"><\/span><\/h2>\n","protected":false},"excerpt":{"rendered":"<p>Real estate isn&#039;t the miracle investment you might think it is. Between low returns, hidden fees, and time-consuming management, discover why you need to think carefully before investing \u2013 and the simpler alternatives.<\/p>","protected":false},"author":215552267,"featured_media":35432,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"On a tous pens\u00e9 \u00e0 investir dans l'immobilier . Mais attention aux bruits de couloirs ! 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