Vendredi 20 Septembre, 2019 á Dakar
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La location vente

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La location vente

Le Sénégal connaît un boom immobilier ces dernières années, pourtant les populations se plaignent de ne pas pouvoir avoir accès aux logements. Entre la cherté des biens immobiliers, les tracasseries bancaires ou le faible pouvoir d’achat, le citoyen ne sait plus à quel système se fier pour se loger. Aujourd’hui, pour un grand nombre, la location vente reste la seule alternative, car les maisons coûtent trop chères pour être payées en une seule traite.

La location-vente est un système où il vous suffit de donner un apport déductible du prix en sus du reliquat qui est étalé dans le temps à moyen et/ou long terme sous forme de loyer et, une fois que vous soldez votre loyer, vous avez l’acquisition de votre maison. Il existe deux sortes de systèmes de location-vente au Sénégal. La première qui inclut la banque est la plus connue par le public, et la deuxième, plus flexible pourtant est méconnue du grand nombre.

Solutions bancaires 

L’idée étant de permettre à ceux qui veulent devenir propriétaires sans toutefois payer cash, les banques servent de garantie dans les transactions immobilières avec les agences. Par exemple, si vous désirez acquérir un appartement de 105 m² de 20 000 000 FCFA, votre banque avance l’argent et vous vous charger de rembourser par traite. Dans le cas d’un apport minimum, vous versez 2 340 000 FCFA et verserez comme mensualités 249 571 (HT sur 10 ans), 193 912 (HT sur 15 ans), 167 484 (HT sur 20 ans). Si pour les fonctionnaires et autres cadre d’entreprises ce système leur convient, il y a encore dans le lot de nombreux demandeurs incapables de remplir certaine critères demandés par les banques.

Pour les agences contactés, ce sont surtout les sénégalais de la diaspora aujourd’hui ou les cadres ayant un salaire de plus de 500 000 fcfa qui s’engagent dans la location-vente. Le sénégalais moyen ne veut plus s’engager dans cette procédure car il se retrouve à payer, avec les intérêts de la banque, beaucoup plus que le prix de la maison. Les agences disent s’en sortir surtout avec la location ou les projets de construction clés en main (vous payez une partie avant la construction et le reste dès la fin avant de devenir propriétaire). Les banques quant à elles, ne s’engagent plus sans de nombreuses garanties de la part des clients qui veulent acquérir une propriété. Elles ne veulent plus courir après les clients pour cessation ou retard de paiements (retards de salaires ou dépôt de bilan des employeurs de clients). Pas assez de garanties de la part des acquéreurs, de nombreux contentieux au tribunal, etc.

Une autre raison qui a fait reculer la location-vente, et pas des moindre, c’est que le pouvoir d’achat d’une partie de la population (même si ce n’est pas la majorité) semble avoir grimpé et de nombreux acheteurs préfèrent payer cash. Aujourd’hui, seul 15% des achats de maisons se font sur le long terme.

Une alternative plus flexible pour acquérir un titre de propriété

Il existe pourtant à Dakar, une formule de location vente pas très répandue, ni pratiquée par la majorité des agences immobilière. Entrez dans une maison, payez par mensualités et obtenez votre titre de propriété au dernier paiement. Et le tout sans avoir besoin de passer par une banque. Espace immo et son promoteur ont trouvé le moyen de permettre à ceux qui ne veulent pas subir le dictat des banques ou qui ne peuvent pas tout payer en une seule fois, de devenir propriétaire en traitant uniquement avec l’agence. Ces clients sont de tous bords (fonctionnaire, travailleurs informels, sénégalais de la diaspora).

Le client peut, moyennant un acompte sur la maison de son choix, payer un loyer mensuel et recevoir son titre de propriété quand il finit de s’acquitter de la totalité du prix de la maison. Pas très différent de la solution bancaire, sauf que là, vous êtes le seul interlocuteur de l’agence. Si par exemple, vous voulez acquérir une maison de 75 000 000 FCFA, pas de panique l’agence espace immo, promoteur de Espace Ataya Properties, vous propose un financement personnalisé accessible à tous sous forme de location-vente sur maximum 9 ans (une vraie pub à vous faire rêver éveillé, mais qui est réelle). Il vous suffit de verser 25% de la somme, soit 19 500 000 FCFA et vous installer dans un appartement de luxe. Si par contre au cours de votre location vous vous retrouvez dans l’incapacité de continuer le paiement, vous pouvez prendre l’option de revendre votre bail à une autre personne ou alors trouvez un arrangement à l’amiable avec l’agence.

Mais, même si cette option semble une aubaine pour certains, il n’en reste pas moins qu’elle est à risque. Le vent peut tourner alors qu’il ne vous reste qu’une année pour être propriétaire, et dans ce cas, vous perdrez la maison et votre investissement si vous ne trouvez pas un accord.

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5 Commentaires

  1. Auteur

    Anonyme

    En Juillet, 2017 (18:34 PM)
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voter mankoo
  2. Auteur

    Anonymerat

    En Juillet, 2017 (19:20 PM)
    Enfin un Article instructif sur Seneweb ..!



    ca faisait longtemps!



    merci
    Auteur

    Anonyme

    En Juillet, 2017 (21:55 PM)
    si je fais le calcul l appartement de 105 metres carre va couter au minimum en 10 ans 32.288.520 millions ...euskeuy....j ai calcule avec un paiement mensuel hors taxes en plus ....il faut être être fou pour faire un si mauvais investissement

    avec moins de ce 30 millions j achete un bon terrain de 300 metres carres a touba et je le construis comme il faut , en plus di guiss dioumadji tous les jours ....akassa
    Auteur

    Anonyme

    En Juillet, 2017 (22:05 PM)
    Pour l'appart de 20 millions



    sur 10 ans vous payerez environ 30.000.000 , +50%



    sur 20 ans vous payerez environ 42.000.000 , +102%





    Les banques sont la plaie de ce monde,



    Auteur

    Ano.

    En Juillet, 2017 (09:04 AM)
    +50% en 10 ans

    +102% en 20 ans



    Les banques sont la plaie de ce monde

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