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article > div > a > img {display:block;height:auto;}main > section > paginate > ul > li > a:hover {border:1px solid rgba(102,102,102,0.9);}main > nav {width:300px;max-width:90vw;}main > nav > div > a > h2 {text-align:left;}main > nav > div > ol > li > a:hover {margin:5px 0px 5px 20px;}footer {text-align:left;}footer a:hover {text-decoration:underline;}}</style> <script async src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script> <script> (adsbygoogle = window.adsbygoogle || []).push({google_ad_client: "ca-pub-1010404604654251",enable_page_level_ads: true}); </script> </head> <body> <main>  <section> <h1 class='post-author'>Pourquoi anticiper les délais pour toucher les dividendes d’une SCPI ?</h1> <nav> <ol> <li><a href="https://persist-project.eu" title="persist-project.eu">persist-project.eu</a></li> <li><a href="https://persist-project.eu/Investissement/" title="Investissement">Investissement</a></li> <li><a href="https://persist-project.eu/Investissement/Pourquoi-anticiper-les-delais-pour-toucher-les-dividendes-d-une-SCPI.html" title="Pourquoi anticiper les délais pour toucher les...">Pourquoi anticiper les délais pour toucher les...</a></li> </ol> </nav> <aside><script async src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script> <ins class="adsbygoogle" style="display:block" data-ad-client="ca-pub-1010404604654251" data-ad-slot="4093122104" data-ad-format="auto"></ins> <script>(adsbygoogle = window.adsbygoogle || []).push({});</script></aside> <article lang="fr"> <p style="text-align:center"><img alt="Free Entrepreneur Diagram illustration and picture" src="https://cdn.pixabay.com/photo/2019/12/01/05/01/entrepreneur-4664726_640.jpg" style="max-height:4000px; max-width:6000px" title="Download free HD stock image of Entrepreneur Diagram" /></p> <p style="text-align:justify"><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif">Placer son argent dans une SCPI, c’est accéder à l’immobilier à partir d’une centaine d’euros seulement, se délester des contraintes locatives et avoir la possibilité de diversifier son portefeuille. À cela s’ajoute la perception de dividendes qui sont les loyers issus de la mise en location du patrimoine immobilier de la SCPI.</span></span></p> <p style="text-align:justify"><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif">Cependant, à noter qu’il existe certains délais pour toucher ces dividendes : à prendre en compte si vous avez décidé de </span></span><a href="https://investissement.cash/scpi/hausse-des-taux-scpi/" style="text-decoration:none"><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><u>financer votre SCPI à crédit</u></span></span></a><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"> et que vous mettez en place votre calendrier de remboursement.</span></span></p> <p> </p> <h2 style="text-align:justify"><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><strong>Le report de jouissance</strong></span></span></h2> <p style="text-align:justify"><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif">Lorsque vous souscrivez à votre SCPI et ce, sur le marché primaire, c’est-à-dire celui de l’émission, vous devez tenir compte de ce que l’on appelle le report de jouissance. Il s’agit d’un laps de temps qui varie d’une SCPI à l’autre et qui se situe entre le moment de la souscription et la date de versement des premiers dividendes. Ce laps de temps est compris entre 2 à 5 mois, et pendant la durée duquel vous ne percevez pas de dividendes.</span></span></p> <p style="text-align:justify"><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif">La jouissance de vos revenus locatifs est donc décalée : attention au calcul du remboursement de votre prêt puisque vous devez alors puiser sur vos fonds propres jusqu’à ce que votre SCPI commence à vous rémunérer.</span></span></p> <p style="text-align:justify"><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif">Ce délai de jouissance est indiqué sur la fiche technique de la SCPI et il est donc important de le connaître à l'avance afin de réaliser les simulations préalables.</span></span></p> <p style="text-align:justify"><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif">Note : ce report est inexistant lorsque vous souscrivez à votre SCPI sur le marché secondaire. C’est l’investisseur initial qui l’aura supporté pour vous. Il en est de même lorsque vous optez pour l’intégration d’une SCPI dans votre contrat d’assurance-vie : votre assureur a endossé la carence en revenus locatifs en premier. Ainsi, celui-ci décide à son tour, s’il vous répercute ou non ce report – qui est plus court, car généralement d’un mois uniquement dans la plupart des cas.</span></span></p> <p style="text-align:justify"><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif">Pourquoi le délai de jouissance ? Les SCPI sont de plus en plus exigeantes dans le choix de leurs actifs, en plus de la concurrence entre ces dernières. Les immeubles répondant à leurs objectifs stratégiques sont plus difficiles à trouver, d’où un allongement des échéances relatives aux acquisitions. À cela s’ajoute le délai sur lequel la société de gestion mobilise la collecte des souscripteurs de parts en vue de l’achat immobilier.</span></span></p> <p> </p> <h2 style="text-align:justify"><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><strong>La périodicité des versements des dividendes</strong></span></span></h2> <p style="text-align:justify"><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif">C’est aussi en fonction de la stratégie d’exploitation de la SCPI que la périodicité des versements des dividendes est fixée. Pour la plupart d’entre elles, celle-ci est de 3 mois. D’autres SCPI choisissent de distribuer les dividendes mensuellement.</span></span></p> <p style="text-align:justify"><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif">À rappeler que les revenus locatifs issus des immeubles ne sont pas distribués en totalité. Une partie est destinée à rémunérer la société de gestion pour toutes les prestations effectuées. Ce, tout en sachant que celle-ci est avant tout une entreprise qui emploie des salariés et des “operating partners” qui endossent différentes attributions.</span></span></p> <p style="text-align:justify"><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif">Les SCPI réservent une partie des revenus locatifs dans des enveloppes de sécurité en prévision des mauvaises conjonctures. Ces enveloppes sont les reports à nouveau (RAN). Par ailleurs, les grosses dépenses des SCPI proviennent des travaux de réparation et de rénovation. C’est pourquoi, elles se constituent ce que l’on appelle les provisions pour gros entretiens (PGE). Une fois ces charges déduites, les dividendes sont ensuite calculés en fonction de </span></span><a href="https://fr.wiktionary.org/wiki/quote-part" style="text-decoration:none"><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><u>la quote-part de chaque investisseur</u></span></span></a><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"> avant d’être distribués.</span></span></p> <p style="text-align:justify"><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif">Le montant des dividendes (par part) est mentionné sur la fiche de la SCPI ; ce sont ceux qui ont été distribués. Celui-ci ne représente pas un indicateur de performance toutefois, mais il est toujours bon de s’enquérir de ce que vous verse votre SCPI, de même que des déductions opérées.</span></span></p> </article> <time datetime="2023-07-20 11:22">20/07/2023 11:22 - 13 776 cliques</time> <aside><script async src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script> <ins class="adsbygoogle" style="display:block" data-ad-client="ca-pub-1010404604654251" data-ad-slot="2722702907" data-ad-format="auto"></ins> <script>(adsbygoogle = window.adsbygoogle || []).push({});</script></aside> <paginate> <ul> <li><a href="https://persist-project.eu/Investissement/Investissement-residence-etudiante-le-guide-ultime.html" title="Investissement résidence étudiante : le guide ultime">Investissement résidence étudiante : le guide ultime</a></li> <li><a href="https://persist-project.eu/Investissement/L-investissement-SCPI-digitalise-et-la-gestion-d-un-portefeuille-virtuel.html" title="L’investissement 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