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Risques spécifiques-0",{"className":"text-sm text-muted-foreground","children":"Commercial : risque de défaut simultané (un seul locataire), nécessité de trouver une activité compatible avec le PLU, travaux d’accessibilité (PMR) parfois coûteux."}],["$","p","4. Risques spécifiques-1",{"className":"text-sm text-muted-foreground","children":"Résidentiel : impayés, vacance ponctuelle, encadrement des loyers dans certaines villes, obligation de rénovation énergétique (DPE)."}],["$","p","4. Risques spécifiques-2",{"className":"text-sm text-muted-foreground","children":["Consultez notre "," ",["$","$L6",null,{"href":"/risques-immobiliers-a-surveiller","className":"text-primary underline","children":"panorama des risques 2025"}]," pour dresser votre plan de mitigation."]}],["$","p","4. Risques spécifiques-3",{"className":"text-sm text-muted-foreground","children":"Dans tous les cas, prévoyez un plan B : transformation d’un local en logement si le quartier se résidentielise, passage en location meublée ou colocation si un T3 classique devient moins rentable."}]],"$undefined"]}],["$","section","5. Fiscalité et véhicules juridiques",{"className":"space-y-3 rounded-3xl border border-border/70 bg-card p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"5. Fiscalité et véhicules juridiques"}],[["$","p","5. Fiscalité et véhicules juridiques-0",{"className":"text-sm text-muted-foreground","children":"Commercial : SCI à l’IS ou SAS patrimoniale pour amortir le bien, récupérer la TVA (si le locataire est assujetti) et piloter la distribution de dividendes."}],["$","p","5. Fiscalité et véhicules juridiques-1",{"className":"text-sm text-muted-foreground","children":"Résidentiel : LMNP réel pour neutraliser l’impôt, déficit foncier pour absorber les travaux, SCI IS pour mutualiser les actifs ou accueillir des associés."}],["$","p","5. Fiscalité et véhicules juridiques-2",{"className":"text-sm text-muted-foreground","children":["Nos guides "," ",["$","$L6",null,{"href":"/sci-is-vs-ir","className":"text-primary underline","children":"SCI IS vs IR"}]," et ",["$","$L6",null,{"href":"/lmnp-vs-lmp","className":"text-primary underline","children":"LMNP vs LMP"}]," détaillent les cas pratiques."]}]],"$undefined"]}],["$","section","6. Liquidité et stratégies de sortie",{"className":"space-y-3 rounded-3xl border border-border/70 bg-card p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"6. Liquidité et stratégies de sortie"}],[["$","p","6. Liquidité et stratégies de sortie-0",{"className":"text-sm text-muted-foreground","children":"Un appartement se revend plus facilement : particuliers, investisseurs, marchands. Le local, lui, se négocie auprès d’un éventail plus restreint, souvent professionnel."}],["$","p","6. Liquidité et stratégies de sortie-1",{"className":"text-sm text-muted-foreground","children":"Si vous anticipez une sortie à court terme, vérifiez l’attrait locatif du local (flux piétons, dynamique commerciale). À défaut, envisagez la transformation en logement — de nombreuses communes soutiennent ces reconversions pour revitaliser les centres-villes."}],["$","p","6. Liquidité et stratégies de sortie-2",{"className":"text-sm text-muted-foreground","children":"Pour le résidentiel, planifiez la remise à niveau énergétique (isolation, chauffage). Un bien classé F ou G sera difficile à vendre d’ici 2028 sans travaux."}]],"$undefined"]}],["$","section","7. Cas d’usage selon votre profil",{"className":"space-y-3 rounded-3xl border border-border/70 bg-card p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"7. Cas d’usage selon votre profil"}],[["$","p","7. Cas d’usage selon votre profil-0",{"className":"text-sm text-muted-foreground","children":"Investisseur cherchant un cash-flow immédiat et disposant d’une trésorerie confortable : privilégier un local en emplacement secondaire avec un locataire solide (santé, alimentation, services)."}],["$","p","7. Cas d’usage selon votre profil-1",{"className":"text-sm text-muted-foreground","children":"Investisseur voulant un actif transmissible et modulable : choisir un logement divisible, convertible en colocation ou en location meublée. Les travaux énergétiques deviennent un avantage concurrentiel."}],["$","p","7. Cas d’usage selon votre profil-2",{"className":"text-sm text-muted-foreground","children":"Profil hybride : immeuble mixte avec rez-de-chaussée commercial et étages résidentiels. Cela diversifie les revenus tout en diluant les risques."}]],"$undefined"]}],["$","section","8. Outils et maillage interne",{"className":"space-y-3 rounded-3xl border border-border/70 bg-card p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"8. Outils et maillage interne"}],[["$","p","8. Outils et maillage interne-0",{"className":"text-sm text-muted-foreground","children":["Comparez vos hypothèses de loyers sur le "," ",["$","$L6",null,{"href":"/comparateur-rendement-villes","className":"text-primary underline","children":"comparateur de rendement par ville"}],", puis validez votre plan d’investissement avec le "," ",["$","$L6",null,{"href":"/modele-tableur-plan-de-financement","className":"text-primary underline","children":"tableur financier"}],"."]}],["$","p","8. Outils et maillage interne-1",{"className":"text-sm text-muted-foreground","children":"Mettez en place un reporting trimestriel : loyers encaissés, taux d’occupation, coûts d’entretien, satisfaction des locataires/clients. Ce pilotage vous permettra d’arbitrer rapidement entre les deux classes d’actifs."}],["$","p","8. Outils et maillage interne-2",{"className":"text-sm text-muted-foreground","children":"Rejoignez la communauté pour partager vos baux types, retours d’expérience sur les franchises bancaires ou les départs de locataires commerciaux. La donnée collective devient votre meilleur atout de négociation."}]],"$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"}],[["$","p","local-commercial-vs-residentiel-conclusion-0",{"className":"text-sm text-muted-foreground","children":"Local commercial ou résidentiel : quelle stratégie privilégier ? n’est pas un sprint : mesurez vos résultats après chaque étape pour rester aligné avec votre objectif « Atteindre un mix rendement/stabilité cohérent »."}],["$","p","local-commercial-vs-residentiel-conclusion-1",{"className":"text-sm text-muted-foreground","children":"Capitalisez sur Un bail commercial bien négocié sécurise le patrimoine sur 9 ans sans perdre de vue Vacance longue en cas de départ du locataire pro. Accordez-vous le rythme annoncé : Étude comparative sur 4 semaines."}],["$","p","local-commercial-vs-residentiel-conclusion-2",{"className":"text-sm text-muted-foreground","children":"Entourez-vous d’un banquier, d’un mentor ou d’un pair : Investisseur diversifiant son portefeuille progressent plus vite lorsqu’ils confrontent leurs chiffres."}]]]}],["$","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","Élaborez un tableau comparatif avant chaque achat : rendement net, TRI, vacance, besoins en capex sur 10 ans. Le choix commercial vs résidentiel cesse d’être émotionnel et repose sur des données objectivées.",{"className":"text-sm text-muted-foreground","children":"Élaborez un tableau comparatif avant chaque achat : rendement net, TRI, vacance, besoins en capex sur 10 ans. Le choix commercial vs résidentiel cesse d’être émotionnel et repose sur des données objectivées."}]]]}]]}],null,["$","$Le",null,{"children":"$Lf"}]]}],{},null]},null]},null],["$","$3","h",{"children":[null,["$","$3","cUL68tyddhpKLUQ2xlVzV",{"children":[["$","$L10",null,{"children":"$L11"}],["$","$L12",null,{"children":"$L13"}],["$","meta",null,{"name":"next-size-adjust"}]]}]]}]]],"m":"$undefined","G":["$14","$undefined"],"s":false,"S":true}
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