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renove",{"children":[["$","rect",null,{"x":370,"y":60,"width":90,"height":160,"fill":"url(#etfGrad)","rx":"6"}],["$","text",null,{"x":415,"y":52,"fontSize":"14","fontWeight":"700","textAnchor":"middle","fill":"currentColor","children":["4,8"," %"]}],["$","text",null,{"x":415,"y":240,"fontSize":"11","textAnchor":"middle","fill":"currentColor","opacity":"0.75","children":"Ancien renove"}]]}]],["$","text",null,{"x":"250","y":"270","fontSize":"10","textAnchor":"middle","fill":"currentColor","opacity":"0.5","children":"Rendement net apres fiscalite, hypotheses 2026"}]]}]}]]}],[["$","section","1. La situation en juillet 2026 : Pinel mort, Jeanbrun arrive",{"className":"space-y-4 rounded-3xl border border-border/70 bg-card p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-foreground md:text-2xl","children":"1. La situation en juillet 2026 : Pinel mort, Jeanbrun arrive"}],[["$","p","1. La situation en juillet 2026 : Pinel mort, Jeanbrun arrive-0",{"className":"text-base leading-relaxed text-muted-foreground","children":["On va etre carre. ",["$","strong",null,{"className":"text-foreground","children":"Le Pinel s'est eteint le 1er janvier 2025"}],", sans reconduction. Depuis, plus de reduction d'impot directe sur l'achat d'un logement neuf destine a la location. C'est un tournant de 10 ans qui se referme et beaucoup d'investisseurs sont perdus."]}],["$","p","1. La situation en juillet 2026 : Pinel mort, Jeanbrun arrive-1",{"className":"text-base leading-relaxed text-muted-foreground","children":["Le legislateur a mis 14 mois a repondre. Le ",["$","strong",null,{"className":"text-foreground","children":"dispositif Jeanbrun"}],", adopte dans le PLF 2026 et en vigueur depuis le ",["$","strong",null,{"className":"text-foreground","children":"21 fevrier 2026"}],", remplace le Pinel avec une logique radicalement differente : plus de reduction d'impot forfaitaire, mais un ",["$","strong",null,{"className":"text-foreground","children":"amortissement comptable"}]," du bien pour le bailleur en location nue. Objectif affiche : 50 000 logements locatifs neufs de plus par an."]}],["$","p","1. La situation en juillet 2026 : Pinel mort, Jeanbrun arrive-2",{"className":"text-base leading-relaxed text-muted-foreground","children":["Pour un investisseur FIRE, l'equation change profondement. On perd le levier fiscal massif (jusqu'a 21 % de reduction en Pinel outre-mer) mais on gagne un mecanisme plus proche du LMNP. Reste la vraie question : ",["$","strong",null,{"className":"text-foreground","children":"est-ce que le rendement du neuf tient encore la route face a l'ancien renove ou aux SCPI ?"}]]}]],["$","ul",null,{"className":"space-y-2 rounded-2xl border border-border/60 bg-background/50 p-4","children":[["$","li","1. La situation en juillet 2026 : Pinel mort, Jeanbrun arrive-Pinel : arret sec au 1er janvier 2025, aucune prolongation",{"className":"flex gap-3 text-sm text-muted-foreground","children":[["$","span",null,{"aria-hidden":true,"className":"mt-1 h-2 w-2 shrink-0 rounded-full bg-primary"}],["$","span",null,{"children":"Pinel : arret sec au 1er janvier 2025, aucune prolongation"}]]}],["$","li","1. La situation en juillet 2026 : Pinel mort, Jeanbrun arrive-Jeanbrun : amortissement comptable, sans zonage, en vigueur depuis fev 2026",{"className":"flex gap-3 text-sm text-muted-foreground","children":[["$","span",null,{"aria-hidden":true,"className":"mt-1 h-2 w-2 shrink-0 rounded-full bg-primary"}],["$","span",null,{"children":"Jeanbrun : amortissement comptable, sans zonage, en vigueur depuis fev 2026"}]]}],["$","li","1. La situation en juillet 2026 : Pinel mort, Jeanbrun arrive-Loc'Avantages : reduction 15 a 65 % des loyers, sur tout le territoire",{"className":"flex gap-3 text-sm text-muted-foreground","children":[["$","span",null,{"aria-hidden":true,"className":"mt-1 h-2 w-2 shrink-0 rounded-full bg-primary"}],["$","span",null,{"children":"Loc'Avantages : reduction 15 a 65 % des loyers, sur tout le territoire"}]]}],["$","li","1. La situation en juillet 2026 : Pinel mort, Jeanbrun arrive-Denormandie : prolonge jusqu'en 2027 pour l'ancien avec travaux",{"className":"flex gap-3 text-sm text-muted-foreground","children":[["$","span",null,{"aria-hidden":true,"className":"mt-1 h-2 w-2 shrink-0 rounded-full bg-primary"}],["$","span",null,{"children":"Denormandie : prolonge jusqu'en 2027 pour l'ancien avec travaux"}]]}]]}]]}],["$","section","2. Rendement neuf 2026 : les chiffres qu'on peut viser",{"className":"space-y-4 rounded-3xl border border-border/70 bg-card p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-foreground md:text-2xl","children":"2. Rendement neuf 2026 : les chiffres qu'on peut viser"}],[["$","p","2. Rendement neuf 2026 : les chiffres qu'on peut viser-0",{"className":"text-base leading-relaxed text-muted-foreground","children":["Sans langue de bois : le rendement brut moyen d'un investissement locatif neuf en 2026 tourne entre ",["$","strong",null,{"className":"text-foreground","children":"3 et 4 %"}],", contre 4 a 6 % pour de l'ancien renove. L'ecart vient des prix : un T2 neuf a Lyon Confluence, Bordeaux Euratlantique ou Nantes Ile de Nantes coute 25 a 40 % de plus que son equivalent ancien du meme quartier."]}],["$","p","2. Rendement neuf 2026 : les chiffres qu'on peut viser-1",{"className":"text-base leading-relaxed text-muted-foreground","children":["En contrepartie du prix, on gagne du concret : ",["$","strong",null,{"className":"text-foreground","children":"garantie decennale, RT2020 (charges energie divisees par 2), pas de gros travaux avant 15 ans, TVA a 5,5 % en zone ANRU"}],". Sur un cash-flow long terme, ces avantages peuvent effacer une bonne partie du gap de rendement d'entree."]}],["$","p","2. Rendement neuf 2026 : les chiffres qu'on peut viser-2",{"className":"text-base leading-relaxed text-muted-foreground","children":["Pour trouver des programmes eligibles et comparer les rendements par ville, la reference du marche reste le portail ",["$","$L6",null,{"href":"https://immobiliersneuf.fr/","className":"text-primary underline","target":"_blank","rel":"noopener noreferrer","children":"immobiliersneuf.fr"}],". On y trouve les programmes en cours de commercialisation, les prix au m2 par ville et les disponibilites en temps reel."]}]],["$","ul",null,{"className":"space-y-2 rounded-2xl border border-border/60 bg-background/50 p-4","children":[["$","li","2. Rendement neuf 2026 : les chiffres qu'on peut viser-Rendement brut neuf : 3-4 % moyen, 4,5 % sur des villes moyennes (Angers, Reims, Rennes)",{"className":"flex gap-3 text-sm text-muted-foreground","children":[["$","span",null,{"aria-hidden":true,"className":"mt-1 h-2 w-2 shrink-0 rounded-full bg-primary"}],["$","span",null,{"children":"Rendement brut neuf : 3-4 % moyen, 4,5 % sur des villes moyennes (Angers, Reims, Rennes)"}]]}],["$","li","2. Rendement neuf 2026 : les chiffres qu'on peut viser-Rendement brut ancien renove : 4-6 %",{"className":"flex gap-3 text-sm text-muted-foreground","children":[["$","span",null,{"aria-hidden":true,"className":"mt-1 h-2 w-2 shrink-0 rounded-full bg-primary"}],["$","span",null,{"children":"Rendement brut ancien renove : 4-6 %"}]]}],["$","li","2. Rendement neuf 2026 : les chiffres qu'on peut viser-Frais notaire neuf : 2-3 % (vs 7-8 % ancien) - avantage cash-flow initial",{"className":"flex gap-3 text-sm text-muted-foreground","children":[["$","span",null,{"aria-hidden":true,"className":"mt-1 h-2 w-2 shrink-0 rounded-full bg-primary"}],["$","span",null,{"children":"Frais notaire neuf : 2-3 % (vs 7-8 % ancien) - avantage cash-flow initial"}]]}],["$","li","2. Rendement neuf 2026 : les chiffres qu'on peut viser-Charges annuelles : 30-40 % inferieures a l'ancien grace a la RT2020",{"className":"flex gap-3 text-sm text-muted-foreground","children":[["$","span",null,{"aria-hidden":true,"className":"mt-1 h-2 w-2 shrink-0 rounded-full bg-primary"}],["$","span",null,{"children":"Charges annuelles : 30-40 % inferieures a l'ancien grace a la RT2020"}]]}]]}]]}],["$","section","3. Cas concret : T3 neuf a 240 000 euros a Angers",{"className":"space-y-4 rounded-3xl border border-border/70 bg-card p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-foreground md:text-2xl","children":"3. Cas concret : T3 neuf a 240 000 euros a Angers"}],[["$","p","3. Cas concret : T3 neuf a 240 000 euros a Angers-0",{"className":"text-base leading-relaxed text-muted-foreground","children":["On chiffre. Un T3 neuf de 60 m2 en peripherie d'Angers, livraison T4 2026, se negocie autour de ",["$","strong",null,{"className":"text-foreground","children":"240 000 euros hors frais"}]," (soit 4 000 euros/m2). Frais notaire reduits neuf : 6 000 euros. Total ticket ",["$","strong",null,{"className":"text-foreground","children":"246 000 euros"}],"."]}],["$","p","3. Cas concret : T3 neuf a 240 000 euros a Angers-1",{"className":"text-base leading-relaxed text-muted-foreground","children":["Loyer marche : 720 euros HC pour un T3 de 60 m2 (moyenne CLAMEUR 2026 Angers agglo). Sur 12 mois : 8 640 euros. Rendement brut : ",["$","strong",null,{"className":"text-foreground","children":"3,51 %"}],". Apres charges non recuperables (taxe fonciere 950, PNO 180, gestion 8 %, provisions 500) : cash-flow annuel net 6 180 euros. ",["$","strong",null,{"className":"text-foreground","children":"Rendement net avant impot : 2,51 %"}],"."]}],["$","p","3. Cas concret : T3 neuf a 240 000 euros a Angers-2",{"className":"text-base leading-relaxed text-muted-foreground","children":["En amortissement Jeanbrun (2 %/an sur la structure, hypothese 200 000 euros amortissable), on absorbe ",["$","strong",null,{"className":"text-foreground","children":"4 000 euros/an de charges deductibles supplementaires"}],". Resultat : deficit foncier fictif, ",["$","strong",null,{"className":"text-foreground","children":"impot zero sur les loyers pendant 10 a 15 ans"}],". Effet sur la rentabilite nette apres impot : environ ",["$","strong",null,{"className":"text-foreground","children":"3,3 %"}],". C'est pas fou, mais c'est stable et sans travaux avant 15 ans."]}],["$","p","3. Cas concret : T3 neuf a 240 000 euros a Angers-3",{"className":"text-base leading-relaxed text-muted-foreground","children":["Verdict : le neuf en 2026 n'est plus un jackpot fiscal, mais reste un placement ",["$","em",null,{"children":"tranquille"}]," pour un investisseur qui veut du set-and-forget. Ceux qui cherchent 5 % net doivent regarder ailleurs (ancien renove avec deficit foncier, LMNP en petite surface, SCPI)."]}]],"$undefined"]}],["$","section","4. Neuf vs ancien vs SCPI : la vraie comparaison",{"className":"space-y-4 rounded-3xl border border-border/70 bg-card p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-foreground md:text-2xl","children":"4. Neuf vs ancien vs SCPI : la vraie comparaison"}],[["$","p","4. Neuf vs ancien vs SCPI : la vraie comparaison-0",{"className":"text-base leading-relaxed text-muted-foreground","children":"Sur un investisseur candidat FIRE avec 250 000 euros a placer, la question est : ou va-t-on ? Regardons les 3 options face a face, chiffres 2026."}],["$","p","4. Neuf vs ancien vs SCPI : la vraie comparaison-1",{"className":"text-base leading-relaxed text-muted-foreground","children":[["$","strong",null,{"className":"text-foreground","children":"Option 1 - Neuf Jeanbrun :"}]," rendement net apres impot ~3,3 %, cash-flow stable 8 200 euros/an, zero souci pendant 15 ans, revente potentiellement decotee (le neuf perd 10-15 % en devenant \"ancien de 5 ans\")."]}],["$","p","4. Neuf vs ancien vs SCPI : la vraie comparaison-2",{"className":"text-base leading-relaxed text-muted-foreground","children":[["$","strong",null,{"className":"text-foreground","children":"Option 2 - Ancien renove avec deficit foncier :"}]," rendement net ~4,8 %, cash-flow 10 500 euros/an, mais chantier de 40-60 k euros a piloter et vacance locative 3-6 mois pendant travaux."]}],["$","p","4. Neuf vs ancien vs SCPI : la vraie comparaison-3",{"className":"text-base leading-relaxed text-muted-foreground","children":[["$","strong",null,{"className":"text-foreground","children":"Option 3 - SCPI diversifiees en AV :"}]," rendement net apres AV ~4,2 %, cash-flow 8 800 euros/an, zero gestion, liquidite raisonnable mais pas de leverage bancaire (impossible d'emprunter pour acheter des parts de SCPI en direct)."]}],["$","p","4. Neuf vs ancien vs SCPI : la vraie comparaison-4",{"className":"text-base leading-relaxed text-muted-foreground","children":["Le neuf gagne sur la simplicite mentale et la duree du confort. L'ancien gagne sur le rendement pur. Les SCPI gagnent sur la diversification. ",["$","strong",null,{"className":"text-foreground","children":"Pour un FIRE en phase d'accumulation avec effet levier bancaire, le neuf reste pertinent"}]," si on cible les bonnes villes."]}]],["$","ul",null,{"className":"space-y-2 rounded-2xl border border-border/60 bg-background/50 p-4","children":[["$","li","4. Neuf vs ancien vs SCPI : la vraie comparaison-Neuf : 3,3 % net, 0 stress, 15 ans sans travaux",{"className":"flex gap-3 text-sm text-muted-foreground","children":[["$","span",null,{"aria-hidden":true,"className":"mt-1 h-2 w-2 shrink-0 rounded-full bg-primary"}],["$","span",null,{"children":"Neuf : 3,3 % net, 0 stress, 15 ans sans travaux"}]]}],["$","li","4. Neuf vs ancien vs SCPI : la vraie comparaison-Ancien renove : 4,8 % net, chantier + risque vacance",{"className":"flex gap-3 text-sm text-muted-foreground","children":[["$","span",null,{"aria-hidden":true,"className":"mt-1 h-2 w-2 shrink-0 rounded-full bg-primary"}],["$","span",null,{"children":"Ancien renove : 4,8 % net, chantier + risque vacance"}]]}],["$","li","4. Neuf vs ancien vs SCPI : la vraie comparaison-SCPI en AV : 4,2 % net, pas de leverage bancaire",{"className":"flex gap-3 text-sm text-muted-foreground","children":[["$","span",null,{"aria-hidden":true,"className":"mt-1 h-2 w-2 shrink-0 rounded-full bg-primary"}],["$","span",null,{"children":"SCPI en AV : 4,2 % net, pas de leverage bancaire"}]]}]]}]]}],["$","section","5. Les villes qui valent encore le coup en neuf",{"className":"space-y-4 rounded-3xl border border-border/70 bg-card p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-foreground md:text-2xl","children":"5. Les villes qui valent encore le coup en neuf"}],[["$","p","5. Les villes qui valent encore le coup en neuf-0",{"className":"text-base leading-relaxed text-muted-foreground","children":"Les grosses metropoles saturees (Paris, Lyon, Bordeaux intra-muros) offrent des rendements bruts inferieurs a 3 %, cash-flow negatif meme avec 30 % d'apport. Sauf a viser une plus-value long terme, on evite."}],["$","p","5. Les villes qui valent encore le coup en neuf-1",{"className":"text-base leading-relaxed text-muted-foreground","children":["Les villes qui sortent du lot en 2026 : ",["$","strong",null,{"className":"text-foreground","children":"Angers, Reims, Rennes, Metz, Le Mans, Poitiers, Clermont-Ferrand"}],". Prix neuf entre 3 500 et 4 800 euros/m2, loyers marche entre 12 et 15 euros/m2, rendement brut 3,8 a 4,8 %. Tendance demographique positive, tissu economique diversifie, taux de vacance inferieur a 5 %."]}],["$","p","5. Les villes qui valent encore le coup en neuf-2",{"className":"text-base leading-relaxed text-muted-foreground","children":"A eviter : les villes moyennes en zone B2 ou C sans dynamique economique (population en baisse, taux de vacance > 8 %). Le neuf y decote de 20 % des la livraison et la relocation entre deux locataires prend 3 a 4 mois."}],["$","p","5. Les villes qui valent encore le coup en neuf-3",{"className":"text-base leading-relaxed text-muted-foreground","children":["Pour explorer les programmes disponibles ville par ville avec les prix a jour, jetez un oeil a ",["$","$L6",null,{"href":"https://immobiliersneuf.fr/","className":"text-primary underline","target":"_blank","rel":"noopener noreferrer","children":"immobiliersneuf.fr"}]," : le comparateur permet de trier par rendement, zone et livraison."]}]],["$","ul",null,{"className":"space-y-2 rounded-2xl border border-border/60 bg-background/50 p-4","children":[["$","li","5. Les villes qui valent encore le coup en neuf-Top 2026 : Angers, Reims, Rennes, Metz, Le Mans, Poitiers, Clermont-Ferrand",{"className":"flex gap-3 text-sm text-muted-foreground","children":[["$","span",null,{"aria-hidden":true,"className":"mt-1 h-2 w-2 shrink-0 rounded-full bg-primary"}],["$","span",null,{"children":"Top 2026 : Angers, Reims, Rennes, Metz, Le Mans, Poitiers, Clermont-Ferrand"}]]}],["$","li","5. Les villes qui valent encore le coup en neuf-A eviter : zones B2/C sans dynamique demographique",{"className":"flex gap-3 text-sm text-muted-foreground","children":[["$","span",null,{"aria-hidden":true,"className":"mt-1 h-2 w-2 shrink-0 rounded-full bg-primary"}],["$","span",null,{"children":"A eviter : zones B2/C sans dynamique demographique"}]]}],["$","li","5. Les villes qui valent encore le coup en neuf-Piege : ne jamais acheter neuf en ville universitaire sans presence salariale toute l'annee",{"className":"flex gap-3 text-sm text-muted-foreground","children":[["$","span",null,{"aria-hidden":true,"className":"mt-1 h-2 w-2 shrink-0 rounded-full bg-primary"}],["$","span",null,{"children":"Piege : ne jamais acheter neuf en ville universitaire sans presence salariale toute l'annee"}]]}]]}]]}],["$","section","6. Le neuf a-t-il sa place dans une strategie FIRE ?",{"className":"space-y-4 rounded-3xl border border-border/70 bg-card p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-foreground md:text-2xl","children":"6. Le neuf a-t-il sa place dans une strategie FIRE ?"}],[["$","p","6. Le neuf a-t-il sa place dans une strategie FIRE ?-0",{"className":"text-base leading-relaxed text-muted-foreground","children":["Perso, on defend une allocation FIRE ou ",["$","strong",null,{"className":"text-foreground","children":"l'immobilier direct (neuf ou ancien) represente 20 a 40 %"}]," du patrimoine. Pas plus, sinon on tue la liquidite. Le reste va sur ETF Monde en PEA + AV, SCPI en AV, cash."]}],["$","p","6. Le neuf a-t-il sa place dans une strategie FIRE ?-1",{"className":"text-base leading-relaxed text-muted-foreground","children":["Le neuf a un role bien defini dans cette allocation : ",["$","strong",null,{"className":"text-foreground","children":"le patrimoine dormant fiabilise, qui capitalise sur 20-25 ans, qui se transmet"}],". On l'achete a credit avec un apport minimum (10-15 %), on laisse les locataires rembourser, on optimise via Jeanbrun ou LMNP selon le montage, et on encaisse a la revente 20 ans plus tard."]}],["$","p","6. Le neuf a-t-il sa place dans une strategie FIRE ?-2",{"className":"text-base leading-relaxed text-muted-foreground","children":"Pour un FIRE en accumulation actif de 30-40 ans, c'est un choix defensif intelligent. Pour un rentier deja FIRE, on prefere les SCPI (pas de gestion) ou l'ancien locatif deja stabilise (rendement superieur)."}]],"$undefined"]}]],["$","section",null,{"className":"space-y-4 rounded-3xl border border-border bg-card p-6","children":[["$","div",null,{"children":[["$","p",null,{"className":"text-xs font-semibold uppercase tracking-wide text-primary","children":"Comparatif detaille"}],["$","h2",null,{"className":"mt-1 text-xl font-semibold text-foreground","children":"Neuf vs ancien renove vs SCPI en AV"}]]}],["$","div",null,{"className":"overflow-x-auto","children":["$","table",null,{"className":"w-full text-sm","children":[["$","thead",null,{"children":["$","tr",null,{"className":"border-b border-border/60 text-left","children":[["$","th",null,{"className":"p-3 text-xs font-semibold uppercase tracking-wide text-primary","children":"Critere"}],["$","th",null,{"className":"p-3 text-xs font-semibold uppercase tracking-wide text-primary","children":"Neuf"}],["$","th",null,{"className":"p-3 text-xs font-semibold uppercase tracking-wide text-primary","children":"Ancien renove"}],["$","th",null,{"className":"p-3 text-xs font-semibold uppercase tracking-wide text-primary","children":"SCPI en AV"}]]}]}],["$","tbody",null,{"children":[["$","tr","Prix ticket entree",{"className":"border-b border-border/40","children":[["$","td",null,{"className":"p-3 font-medium text-foreground","children":"Prix ticket entree"}],["$","td",null,{"className":"p-3 text-muted-foreground","children":"Eleve (+25-40 %)"}],["$","td",null,{"className":"p-3 text-muted-foreground","children":"Bas"}],["$","td",null,{"className":"p-3 text-muted-foreground","children":"1-5 k euros/part"}]]}],["$","tr","Frais notaire",{"className":"border-b border-border/40","children":[["$","td",null,{"className":"p-3 font-medium text-foreground","children":"Frais notaire"}],["$","td",null,{"className":"p-3 text-muted-foreground","children":"2-3 %"}],["$","td",null,{"className":"p-3 text-muted-foreground","children":"7-8 %"}],["$","td",null,{"className":"p-3 text-muted-foreground","children":"N/A (frais SG 8-12 %)"}]]}],["$","tr","Rendement brut",{"className":"border-b border-border/40","children":[["$","td",null,{"className":"p-3 font-medium text-foreground","children":"Rendement brut"}],["$","td",null,{"className":"p-3 text-muted-foreground","children":"3-4 %"}],["$","td",null,{"className":"p-3 text-muted-foreground","children":"4-6 %"}],["$","td",null,{"className":"p-3 text-muted-foreground","children":"4,91 % (2025)"}]]}],["$","tr","Fiscalite optimale",{"className":"border-b border-border/40","children":[["$","td",null,{"className":"p-3 font-medium text-foreground","children":"Fiscalite optimale"}],["$","td",null,{"className":"p-3 text-muted-foreground","children":"Jeanbrun ou LMNP"}],["$","td",null,{"className":"p-3 text-muted-foreground","children":"Deficit foncier ou LMNP"}],["$","td",null,{"className":"p-3 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border-border/40","children":[["$","td",null,{"className":"p-3 font-medium text-foreground","children":"Liquidite revente"}],["$","td",null,{"className":"p-3 text-muted-foreground","children":"3-6 mois"}],["$","td",null,{"className":"p-3 text-muted-foreground","children":"3-9 mois"}],["$","td",null,{"className":"p-3 text-muted-foreground","children":"3-18 mois"}]]}]]}]]}]}]]}],["$","section",null,{"className":"space-y-4","children":[["$","div",null,{"children":[["$","p",null,{"className":"text-xs font-semibold uppercase tracking-wide text-primary","children":"Cas concret"}],["$","h2",null,{"className":"mt-1 text-xl font-semibold text-foreground","children":"3 tickets neuf 2026 : lesquels valent le coup"}]]}],["$","div",null,{"className":"grid gap-4 md:grid-cols-3","children":[["$","div","T3 neuf Angers 240 k euros",{"className":"space-y-3 rounded-3xl border p-5 border-emerald-500/40 bg-emerald-500/5","children":[["$","div",null,{"className":"flex items-start justify-between gap-2","children":[["$","p",null,{"className":"text-sm font-semibold text-foreground","children":"T3 neuf Angers 240 k euros"}],["$","span",null,{"className":"shrink-0 rounded-full px-2 py-0.5 text-xs font-semibold bg-emerald-500/15 text-emerald-600 dark:text-emerald-400","children":"Set and forget"}]]}],["$","ul",null,{"className":"space-y-1 text-sm text-muted-foreground","children":[["$","li","T3 neuf Angers 240 k euros-Loyer 720 euros/mois",{"className":"flex gap-2","children":[["$","span",null,{"aria-hidden":true,"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-primary"}],["$","span",null,{"children":"Loyer 720 euros/mois"}]]}],["$","li","T3 neuf Angers 240 k euros-Rendement brut 3,51 %",{"className":"flex gap-2","children":[["$","span",null,{"aria-hidden":true,"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-primary"}],["$","span",null,{"children":"Rendement brut 3,51 %"}]]}],["$","li","T3 neuf Angers 240 k euros-Net apres Jeanbrun ~3,3 %",{"className":"flex gap-2","children":[["$","span",null,{"aria-hidden":true,"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-primary"}],["$","span",null,{"children":"Net apres Jeanbrun ~3,3 %"}]]}]]}],["$","p",null,{"className":"border-t border-border/40 pt-3 text-sm text-foreground","children":"Profil investisseur FIRE en accumulation. Aucun stress pendant 15 ans, cash-flow legerement positif avec apport 15 %."}]]}],["$","div","T2 neuf Bordeaux 285 k euros",{"className":"space-y-3 rounded-3xl border p-5 border-red-500/40 bg-red-500/5","children":[["$","div",null,{"className":"flex items-start justify-between gap-2","children":[["$","p",null,{"className":"text-sm font-semibold text-foreground","children":"T2 neuf Bordeaux 285 k euros"}],["$","span",null,{"className":"shrink-0 rounded-full px-2 py-0.5 text-xs font-semibold bg-red-500/15 text-red-600 dark:text-red-400","children":"Cash-flow negatif"}]]}],["$","ul",null,{"className":"space-y-1 text-sm text-muted-foreground","children":[["$","li","T2 neuf Bordeaux 285 k euros-Loyer 780 euros/mois",{"className":"flex gap-2","children":[["$","span",null,{"aria-hidden":true,"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-primary"}],["$","span",null,{"children":"Loyer 780 euros/mois"}]]}],["$","li","T2 neuf Bordeaux 285 k euros-Rendement brut 3,28 %",{"className":"flex gap-2","children":[["$","span",null,{"aria-hidden":true,"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-primary"}],["$","span",null,{"children":"Rendement brut 3,28 %"}]]}],["$","li","T2 neuf Bordeaux 285 k euros-Cash-flow -180 euros/mois",{"className":"flex gap-2","children":[["$","span",null,{"aria-hidden":true,"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-primary"}],["$","span",null,{"children":"Cash-flow -180 euros/mois"}]]}]]}],["$","p",null,{"className":"border-t border-border/40 pt-3 text-sm text-foreground","children":"Sauf pari plus-value long terme, a eviter en 2026. Les grosses metropoles saturees ne rentabilisent plus le neuf a credit."}]]}],["$","div","T3 neuf Reims 205 k euros",{"className":"space-y-3 rounded-3xl border p-5 border-amber-500/40 bg-amber-500/5","children":[["$","div",null,{"className":"flex items-start justify-between gap-2","children":[["$","p",null,{"className":"text-sm font-semibold text-foreground","children":"T3 neuf Reims 205 k euros"}],["$","span",null,{"className":"shrink-0 rounded-full px-2 py-0.5 text-xs font-semibold bg-amber-500/15 text-amber-600 dark:text-amber-400","children":"Bon rapport qualite-prix"}]]}],["$","ul",null,{"className":"space-y-1 text-sm text-muted-foreground","children":[["$","li","T3 neuf Reims 205 k euros-Loyer 690 euros/mois",{"className":"flex gap-2","children":[["$","span",null,{"aria-hidden":true,"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-primary"}],["$","span",null,{"children":"Loyer 690 euros/mois"}]]}],["$","li","T3 neuf Reims 205 k euros-Rendement brut 4,04 %",{"className":"flex gap-2","children":[["$","span",null,{"aria-hidden":true,"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-primary"}],["$","span",null,{"children":"Rendement brut 4,04 %"}]]}],["$","li","T3 neuf Reims 205 k euros-Cash-flow +45 euros/mois",{"className":"flex gap-2","children":[["$","span",null,{"aria-hidden":true,"className":"mt-1 h-1.5 w-1.5 shrink-0 rounded-full bg-primary"}],["$","span",null,{"children":"Cash-flow +45 euros/mois"}]]}]]}],["$","p",null,{"className":"border-t border-border/40 pt-3 text-sm text-foreground","children":"Ville dynamique, prix contenus, cash-flow positif des le mois 1 avec 15 % d'apport. Le meilleur profil de neuf 2026."}]]}]]}]]}],["$","section",null,{"className":"space-y-4 rounded-3xl border border-border bg-card p-6","children":[["$","div",null,{"children":[["$","p",null,{"className":"text-xs font-semibold uppercase tracking-wide text-primary","children":"FAQ"}],["$","h2",null,{"className":"mt-1 text-xl font-semibold text-foreground","children":"Les questions qu'on nous pose sur le neuf 2026"}]]}],["$","div",null,{"className":"space-y-3","children":[["$","details","Le Pinel est-il vraiment fini ou peut-on encore benefier des avantages ?",{"className":"group rounded-2xl border border-border/60 bg-background/40 p-4 open:bg-background/70","children":[["$","summary",null,{"className":"cursor-pointer text-sm font-semibold text-foreground list-none flex items-center justify-between gap-3","children":[["$","span",null,{"children":"Le Pinel est-il vraiment fini ou peut-on encore benefier des avantages ?"}],["$","span",null,{"aria-hidden":true,"className":"text-primary transition-transform group-open:rotate-45","children":"+"}]]}],["$","p",null,{"className":"mt-3 text-sm leading-relaxed text-muted-foreground","children":"Pour un achat neuf en 2026, le Pinel est termine : aucune nouvelle acquisition ne beneficie de la reduction d'impot. Les investisseurs qui ont deja un bien sous Pinel (achete avant fin 2024) continuent evidemment de beneficier de l'avantage jusqu'a la fin de leur engagement (6, 9 ou 12 ans). Pour les nouveaux investisseurs neufs, direction Jeanbrun ou LMNP."}]]}],["$","details","Comment fonctionne concretement le Jeanbrun 2026 ?",{"className":"group rounded-2xl border border-border/60 bg-background/40 p-4 open:bg-background/70","children":[["$","summary",null,{"className":"cursor-pointer text-sm font-semibold text-foreground list-none flex items-center justify-between gap-3","children":[["$","span",null,{"children":"Comment fonctionne concretement le Jeanbrun 2026 ?"}],["$","span",null,{"aria-hidden":true,"className":"text-primary transition-transform group-open:rotate-45","children":"+"}]]}],["$","p",null,{"className":"mt-3 text-sm leading-relaxed text-muted-foreground","children":"Jeanbrun permet d'amortir comptablement environ 85 % du prix d'acquisition (structure + amenagements) sur 25 a 30 ans, en location nue. Cet amortissement vient s'imputer sur les loyers percus pour reduire, voire annuler, l'assiette imposable. Contrairement au Pinel (reduction directe d'impot), Jeanbrun optimise le cash-flow sur toute la duree de detention. Pas de zonage, pas de plafond de loyer, pas de plafond de ressources locataire."}]]}],["$","details","Faut-il preferer le neuf ou l'ancien renove pour un premier investissement ?",{"className":"group rounded-2xl border border-border/60 bg-background/40 p-4 open:bg-background/70","children":[["$","summary",null,{"className":"cursor-pointer text-sm font-semibold text-foreground list-none flex items-center justify-between gap-3","children":[["$","span",null,{"children":"Faut-il preferer le neuf ou l'ancien renove pour un premier investissement ?"}],["$","span",null,{"aria-hidden":true,"className":"text-primary transition-transform group-open:rotate-45","children":"+"}]]}],["$","p",null,{"className":"mt-3 text-sm leading-relaxed text-muted-foreground","children":"Pour un premier investissement en 2026, l'ancien renove offre un meilleur rendement (4-6 % brut vs 3-4 % pour le neuf), mais demande plus de competences (chantier, gestion vacance, coordination artisans). Le neuf est plus tranquille pour un debutant : livre pret a louer, garantie decennale, pas de travaux avant 15 ans. Notre reco : neuf si vous n'avez pas le temps ou l'appetence pour gerer un chantier, ancien renove si vous voulez optimiser la rentabilite."}]]}],["$","details","Peut-on cumuler LMNP et Jeanbrun ?",{"className":"group rounded-2xl border border-border/60 bg-background/40 p-4 open:bg-background/70","children":[["$","summary",null,{"className":"cursor-pointer text-sm font-semibold text-foreground list-none flex items-center justify-between gap-3","children":[["$","span",null,{"children":"Peut-on cumuler LMNP et Jeanbrun ?"}],["$","span",null,{"aria-hidden":true,"className":"text-primary transition-transform group-open:rotate-45","children":"+"}]]}],["$","p",null,{"className":"mt-3 text-sm leading-relaxed text-muted-foreground","children":"Non. Le LMNP (Location Meublee Non Professionnelle) s'applique a la location meublee et beneficie deja de son propre amortissement. Jeanbrun est reserve a la location nue. On choisit l'un ou l'autre selon la strategie : meuble en zone tendue (etudiants, jeunes actifs) = LMNP ; famille en peripherie ou ville moyenne = Jeanbrun."}]]}],["$","details","Quel apport minimum pour financer un neuf en 2026 ?",{"className":"group rounded-2xl border border-border/60 bg-background/40 p-4 open:bg-background/70","children":[["$","summary",null,{"className":"cursor-pointer text-sm font-semibold text-foreground list-none flex items-center justify-between gap-3","children":[["$","span",null,{"children":"Quel apport minimum pour financer un neuf en 2026 ?"}],["$","span",null,{"aria-hidden":true,"className":"text-primary transition-transform group-open:rotate-45","children":"+"}]]}],["$","p",null,{"className":"mt-3 text-sm leading-relaxed text-muted-foreground","children":"Les banques exigent en moyenne 10 a 15 % d'apport pour un investissement locatif neuf en 2026, meme pour un profil cadre. Sur un ticket de 250 000 euros, comptez donc 25 a 40 000 euros d'apport + frais notaire (5-7 k euros). Le taux HCSF (35 % d'endettement max, 25 ans max) reste applicable. Certains courtiers arrivent a boucler des dossiers avec 100 % de financement + frais chez des banques regionales, mais c'est plus rare qu'en 2020-2022."}]]}],["$","details","Ou trouver les meilleurs programmes neufs en 2026 ?",{"className":"group rounded-2xl border border-border/60 bg-background/40 p-4 open:bg-background/70","children":[["$","summary",null,{"className":"cursor-pointer text-sm font-semibold text-foreground list-none flex items-center justify-between gap-3","children":[["$","span",null,{"children":"Ou trouver les meilleurs programmes neufs en 2026 ?"}],["$","span",null,{"aria-hidden":true,"className":"text-primary transition-transform group-open:rotate-45","children":"+"}]]}],["$","p",null,{"className":"mt-3 text-sm leading-relaxed text-muted-foreground","children":"Les grands promoteurs (Bouygues Immobilier, Vinci Immobilier, Nexity, Kaufman & Broad, Icade) publient leurs programmes sur leurs sites propres, mais pour comparer facilement les prix, rendements et livraisons entre programmes, la reference des investisseurs reste le portail immobiliersneuf.fr : il agrege les programmes de la plupart des promoteurs et permet de filtrer par ville, rendement, budget et date de livraison."}]]}]]}]]}],["$","section",null,{"className":"rounded-3xl border border-border bg-card p-6 text-sm text-muted-foreground","children":[["$","p",null,{"className":"font-semibold text-foreground","children":"Ressources complementaires"}],["$","ul",null,{"className":"mt-3 grid gap-2 md:grid-cols-2","children":[["$","li",null,{"children":["$","$L6",null,{"href":"/scpi-vs-etf-fire","className":"text-primary underline","children":"SCPI vs ETF pour FIRE"}]}],["$","li",null,{"children":["$","$L6",null,{"href":"/fiscalite-lmnp","className":"text-primary underline","children":"Fiscalite LMNP 2026"}]}],["$","li",null,{"children":["$","$L6",null,{"href":"/dispositifs-fiscaux-pinels-denormandie","className":"text-primary underline","children":"Dispositifs Pinel & Denormandie"}]}],["$","li",null,{"children":["$","$L6",null,{"href":"/investir-airbnb","className":"text-primary underline","children":"Investir en Airbnb 2026"}]}]]}]]}],["$","section",null,{"className":"space-y-3 rounded-3xl border-l-4 border-primary bg-primary/5 p-6","children":[["$","p",null,{"className":"text-xs font-semibold uppercase tracking-wide text-primary","children":"Notre conseil"}],["$","p",null,{"className":"text-base text-foreground","children":["Le neuf en 2026 = ",["$","strong",null,{"children":"set-and-forget"}]," pour un patrimoine dormant, pas un jackpot fiscal. Ciblez les villes de ",["$","strong",null,{"children":"3 500 a 4 500 euros/m2"}]," avec dynamique demo positive, achetez a credit avec 10-15 % d'apport, optimisez via Jeanbrun. Ne mettez jamais plus de ",["$","strong",null,{"children":"30-40 % de votre patrimoine sur l'immo direct"}],"."]}]]}]]}],null,["$","$Le",null,{"children":"$Lf"}]]}],{},null]},null]},null],["$","$3","h",{"children":[null,["$","$3","Jt1a1x39NijbgNVfXM435",{"children":[["$","$L10",null,{"children":"$L11"}],["$","$L12",null,{"children":"$L13"}],["$","meta",null,{"name":"next-size-adjust"}]]}]]}]]],"m":"$undefined","G":["$14","$undefined"],"s":false,"S":true}
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