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Formule d’indexation",{"className":"space-y-3 rounded-3xl border border-border/70 bg-card p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"2. Formule d’indexation"}],[["$","p","2. Formule d’indexation-0",{"className":"text-sm text-muted-foreground","children":"Nouveau loyer = Loyer actuel × (Indice nouveau / Indice de référence du bail). Exemple : loyer 850 €, IRL T2 2023 = 135,69, IRL T2 2024 = 140,59 → 850 × (140,59 / 135,69) = 880,02 €. Résultat à arrondir au centime supérieur."}],["$","p","2. Formule d’indexation-1",{"className":"text-sm text-muted-foreground","children":"L’indexation ne peut être rétroactive que sur les 12 derniers mois (article 17-1 de la loi de 1989). Si vous oubliez d’appliquer la hausse pendant un an, vous ne pouvez réclamer que la période non prescrite."}],["$","p","2. Formule d’indexation-2",{"className":"text-sm text-muted-foreground","children":"Pour les baux commerciaux, la clause doit préciser : indice de référence, périodicité, modalités de calcul. Une clause trop vague peut être réputée non écrite. Pensez à vérifier l’article L145-39 du Code de commerce."}],["$","p","2. Formule d’indexation-3",{"className":"text-sm text-muted-foreground","children":["Simplifiez le calcul avec notre"," ",["$","$L6",null,{"href":"/simulateur-cashflow","className":"text-primary underline","children":"simulateur de cash-flow"}]," ","(onglet «Indexation») ou via le"," ",["$","$L6",null,{"href":"/modele-tableur-plan-de-financement","className":"text-primary underline","children":"tableur plan de financement"}]," ","qui inclut cette formule."]}]],"$undefined"]}],["$","section","3. Procédure de notification",{"className":"space-y-3 rounded-3xl border border-border/70 bg-card p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"3. Procédure de notification"}],[["$","p","3. Procédure de notification-0",{"className":"text-sm text-muted-foreground","children":"Adressez un courrier ou un e-mail (si le bail le prévoit) précisant : loyer actuel, indice de référence, nouvel indice, calcul détaillé, nouveau loyer et date d’effet. Dans les zones encadrées, mentionnez aussi le plafond légal."}],["$","p","3. Procédure de notification-1",{"className":"text-sm text-muted-foreground","children":"Conservez la preuve d’envoi (LRAR, e-mail horodaté, signature électronique). En cas de litige devant la commission départementale de conciliation, cette traçabilité fait foi."}],["$","p","3. Procédure de notification-2",{"className":"text-sm text-muted-foreground","children":"Si le locataire conteste, proposez un rendez-vous pédagogique : rappeler la clause du bail et montrer la source INSEE apaise souvent les tensions."}],["$","p","3. Procédure de notification-3",{"className":"text-sm text-muted-foreground","children":["Nous recommandons d’automatiser les rappels via votre CRM ou un simple calendrier partagé. Les modèles sont accessibles via"," ",["$","$L6",null,{"href":"/plan-du-site","className":"text-primary underline","children":"notre plan du site"}],"."]}]],"$undefined"]}],["$","section","4. Cas particuliers",{"className":"space-y-3 rounded-3xl border border-border/70 bg-card p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"4. Cas particuliers"}],[["$","p","4. Cas particuliers-0",{"className":"text-sm text-muted-foreground","children":"Baux commerciaux : l’indexation automatique ne peut faire varier le loyer de plus de 25 % sur 3 ans. Attention aux clauses dites «échelle mobile» qui peuvent être remises en cause si elles ne respectent pas l’article L145-39."}],["$","p","4. Cas particuliers-1",{"className":"text-sm text-muted-foreground","children":"Baux encadrés (Paris, Lyon, Bordeaux, Montpellier…) : l’indexation reste possible mais vous ne devez jamais dépasser le loyer de référence majoré. Utilisez l’outil mis en ligne par la mairie pour vérifier vos plafonds."}],["$","p","4. Cas particuliers-2",{"className":"text-sm text-muted-foreground","children":"Bail mobilité et bail étudiant de 9 mois : l’indexation est interdite car la durée est trop courte. Préférez fixer un loyer cohérent dès la signature."}],["$","p","4. Cas particuliers-3",{"className":"text-sm text-muted-foreground","children":"Colocation avec baux individuels : indexez chaque bail à sa date anniversaire et conservez un tableau récapitulatif pour éviter les oublis."}]],"$undefined"]}],["$","section","5. Impact financier",{"className":"space-y-3 rounded-3xl border border-border/70 bg-card p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"5. Impact financier"}],[["$","p","5. Impact financier-0",{"className":"text-sm text-muted-foreground","children":"Une indexation régulière neutralise l’inflation. 2 % sur un loyer de 900 € = +18 € par mois dès l’année 2, soit 216 € annuels. Au bout de 5 ans, vous sécurisez plus de 1 000 € de recettes supplémentaires."}],["$","p","5. Impact financier-1",{"className":"text-sm text-muted-foreground","children":"Ces hausses nourrissent votre capacité de financement : le banquier voit que vos loyers suivent l’inflation et que vous respectez les règles. Ajoutez-les dans vos projections et dans votre dossier bancaire."}],["$","p","5. Impact financier-2",{"className":"text-sm text-muted-foreground","children":"Pensez aussi à indexer vos provisions pour charges communes et vos forfaits internet/énergie si vous louez meublé : le locataire comprend la cohérence globale."}]],"$undefined"]}],["$","section","6. Bonnes pratiques",{"className":"space-y-3 rounded-3xl border border-border/70 bg-card p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"6. Bonnes pratiques"}],[["$","p","6. Bonnes pratiques-0",{"className":"text-sm text-muted-foreground","children":"Informer le locataire un mois à l’avance : un mail pédagogique avec capture d’écran INSEE suffit souvent pour éviter les incompréhensions."}],["$","p","6. Bonnes pratiques-1",{"className":"text-sm text-muted-foreground","children":"Profiter de l’indexation pour vérifier l’entretien du logement : photos, changement de joints, contrôle VMC. C’est l’occasion d’entretenir la relation et de préparer la prochaine relocation."}],["$","p","6. Bonnes pratiques-2",{"className":"text-sm text-muted-foreground","children":"Mettre à jour vos assurances (PNO, GLI) et la taxe d’enlèvement des ordures ménagères si elle est refacturée au réel. Un écart entre loyer déclaré et loyer réellement encaissé peut compliquer une prise en charge d’impayés."}],["$","p","6. Bonnes pratiques-3",{"className":"text-sm text-muted-foreground","children":["Pour sécuriser encore plus vos flux, consultez nos pages"," ",["$","$L6",null,{"href":"/gli","className":"text-primary underline","children":"GLI"}]," ","et"," ",["$","$L6",null,{"href":"/selection-locataire-et-garantie","className":"text-primary underline","children":"sélection locataire"}],"."]}]],"$undefined"]}]],["$","section",null,{"className":"space-y-3 rounded-3xl border border-border/70 bg-card p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"Conclusion : garder le cap"}],[["$","p","indexation-loyer-irlde-icc-conclusion-0",{"className":"text-sm text-muted-foreground","children":"Indexation IRL / ILAT / ICC : appliquer la hausse correctement n’est pas un sprint : mesurez vos résultats après chaque étape pour rester aligné avec votre objectif « Revaloriser légalement chaque bail »."}],["$","p","indexation-loyer-irlde-icc-conclusion-1",{"className":"text-sm text-muted-foreground","children":"Capitalisez sur Automatiser les calculs stabilise la marge opérationnelle sans perdre de vue Oublier une indexation = perte définitive de revenus. Accordez-vous le rythme annoncé : Revue annuelle ou trimestrielle."}],["$","p","indexation-loyer-irlde-icc-conclusion-2",{"className":"text-sm text-muted-foreground","children":"Entourez-vous d’un banquier, d’un mentor ou d’un pair : Investisseur résidentiel et commercial progressent plus vite lorsqu’ils confrontent leurs chiffres."}]]]}],["$","section",null,{"className":"rounded-3xl border border-border bg-card p-6 text-sm text-muted-foreground","children":[["$","p",null,{"className":"font-semibold text-foreground","children":"Ressources complémentaires"}],["$","ul",null,{"className":"mt-3 list-disc space-y-2 pl-4","children":[["$","li",null,{"children":["$","$L6",null,{"href":"/selection-locataire-et-garantie","className":"text-primary underline","children":"Consolider la solvabilité de vos locataires"}]}],["$","li",null,{"children":["$","$L6",null,{"href":"/assurance-pno","className":"text-primary underline","children":"Ajuster votre PNO après indexation"}]}],["$","li",null,{"children":["$","$L6",null,{"href":"/plan-du-site","className":"text-primary underline","children":"Télécharger nos autres modèles"}]}]]}]]}],["$","section",null,{"className":"space-y-3 rounded-3xl border border-primary/30 bg-primary/5 p-6","children":[["$","p",null,{"className":"text-xs font-semibold uppercase tracking-wide text-primary","children":"Notre conseil"}],[["$","p","Programmez un rappel automatique 30 jours avant chaque date anniversaire de bail (Google Calendar, Notion, CRM). 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