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Visite structurée et trame d’entretien-2",{"className":"text-sm text-muted-foreground","children":["Utilisez notre "," ",["$","$L6",null,{"href":"/checklist-visite-immobiliere","className":"text-primary underline","children":"checklist technique"}]," pour valider l’état du logement avant la mise en location."]}]],["$","ul",null,{"className":"list-disc space-y-1 pl-5 text-sm text-muted-foreground","children":[["$","li","2. Visite structurée et trame d’entretien-Pièces obligatoires : CNI, 3 bulletins de salaire, contrat de travail, avis d’imposition",{"children":"Pièces obligatoires : CNI, 3 bulletins de salaire, contrat de travail, avis d’imposition"}],["$","li","2. Visite structurée et trame d’entretien-Indépendants : attestation expert-comptable + 2 bilans",{"children":"Indépendants : attestation expert-comptable + 2 bilans"}],["$","li","2. Visite structurée et trame d’entretien-Étudiants : certificat scolarité + caution solidaire ou Visale",{"children":"Étudiants : certificat scolarité + caution solidaire ou Visale"}]]}]]}],["$","section","3. Solvabilité et scoring",{"className":"space-y-3 rounded-3xl border border-border/70 bg-card p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"3. Solvabilité et scoring"}],[["$","p","3. Solvabilité et scoring-0",{"className":"text-sm text-muted-foreground","children":"Taux d’effort idéal ≤ 35 %. Tolérance 40 % si reste-à-vivre > 800 €/personne et si le dossier présente des garanties solides (garant institutionnel, GLI)."}],["$","p","3. Solvabilité et scoring-1",{"className":"text-sm text-muted-foreground","children":"Croisez les informations : bulletins vs relevés bancaires, attestation employeur vs LinkedIn, vérification anti-fraude via Service-public. Contactez l’employeur si doute."}],["$","p","3. Solvabilité et scoring-2",{"className":"text-sm text-muted-foreground","children":["Notre "," ",["$","$L6",null,{"href":"/calcul-taux-endettement-33-pourcent","className":"text-primary underline","children":"simulateur d’endettement"}]," vous aide à objectiver les calculs."]}]],"$undefined"]}],["$","section","4. Garanties disponibles",{"className":"space-y-3 rounded-3xl border border-border/70 bg-card p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"4. Garanties disponibles"}],[["$","p","4. Garanties disponibles-0",{"className":"text-sm text-muted-foreground","children":"GLI (2 à 3,5 % des loyers) : couvre loyers + dégradations + frais contentieux. Critères stricts (CDI, revenus ≥ 2,85x loyer, pas de période d’essai)."}],["$","p","4. Garanties disponibles-1",{"className":"text-sm text-muted-foreground","children":"Caution solidaire : flexible mais non cumulable avec la GLI (sauf étudiants). Vérifiez sa solvabilité comme celle du locataire (pièces identiques)."}],["$","p","4. Garanties disponibles-2",{"className":"text-sm text-muted-foreground","children":"Garanties institutionnelles (Visale, Garantme, Caution Action Logement) : idéales pour jeunes actifs, freelances. Prime 3 à 4 % des loyers, check en 48 h."}],["$","p","4. Garanties disponibles-3",{"className":"text-sm text-muted-foreground","children":["Consultez nos guides "," ",["$","$L6",null,{"href":"/gli","className":"text-primary underline","children":"GLI"}]," et ",["$","$L6",null,{"href":"/assurance-pno","className":"text-primary underline","children":"PNO"}]," pour compléter votre couverture."]}]],"$undefined"]}],["$","section","5. Constitution du dossier légal",{"className":"space-y-3 rounded-3xl border border-border/70 bg-card p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"5. Constitution du dossier légal"}],[["$","p","5. 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Suivi et relation locataire",{"className":"space-y-3 rounded-3xl border border-border/70 bg-card p-6","children":[["$","h2",null,{"className":"text-xl font-semibold text-foreground","children":"6. Suivi et relation locataire"}],[["$","p","6. Suivi et relation locataire-0",{"className":"text-sm text-muted-foreground","children":"Email de bienvenue (contacts, règlement de copro, guide logement). Cela réduit les erreurs de début de bail et crée une relation de confiance."}],["$","p","6. Suivi et relation locataire-1",{"className":"text-sm text-muted-foreground","children":"Mettez en place un canal de ticketing (formulaire + Trello) pour les demandes techniques. Réactivité = moins de tensions, meilleure réputation."}],["$","p","6. 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Accordez-vous le rythme annoncé : Process à mettre en place avant visites."}],["$","p","selection-locataire-et-garantie-conclusion-2",{"className":"text-sm text-muted-foreground","children":"Entourez-vous d’un banquier, d’un mentor ou d’un pair : Investisseur particulier ou SCI progressent plus vite lorsqu’ils confrontent leurs chiffres."}]]]}],["$","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":[["$","li",null,{"children":["$","$L6",null,{"href":"/gli","className":"text-primary underline","children":"Comprendre la GLI"}]}],["$","li",null,{"children":["$","$L6",null,{"href":"/assurance-pno","className":"text-primary underline","children":"Ajuster sa PNO"}]}],["$","li",null,{"children":["$","$L6",null,{"href":"/plan-du-site","className":"text-primary underline","children":"Retrouver tous les modèles"}]}]]}]]}],["$","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 une revue annuelle des dossiers locataires (indexation, assurance, entretien) et alignez-la avec votre calendrier fiscal. 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