{"id":8193,"date":"2022-04-13T14:28:27","date_gmt":"2022-04-13T12:28:27","guid":{"rendered":"https:\/\/natureetresidencevillage.com\/?p=8193"},"modified":"2026-10-20T13:52:25","modified_gmt":"2026-10-20T11:52:25","slug":"que-faut-il-savoir-avant-dacheter-une-residence-secondaire","status":"publish","type":"post","link":"https:\/\/natureetresidencevillage.com\/en\/blog\/que-faut-il-savoir-avant-dacheter-une-residence-secondaire\/","title":{"rendered":"What do you need to know before buying a second home?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"8193\" class=\"elementor elementor-8193\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8087a45 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8087a45\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-96b66c8\" data-id=\"96b66c8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a1b2c3d elementor-widget elementor-widget-text-editor\" data-id=\"a1b2c3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Acheter une r\u00e9sidence secondaire ne s&rsquo;improvise pas. Entre le coup de c\u0153ur et la signature, huit points m\u00e9ritent d&rsquo;\u00eatre v\u00e9rifi\u00e9s&nbsp;: l&rsquo;usage r\u00e9el, l&rsquo;emplacement, le budget complet, le financement, la fiscalit\u00e9, le type de bien, la gestion \u00e0 distance et la revente. <strong>Nature &amp; R\u00e9sidence Village<\/strong> fait le tour de ce qu&rsquo;il faut savoir avant d&rsquo;acheter une r\u00e9sidence secondaire.<\/p><h2>L&rsquo;essentiel \u00e0 retenir<\/h2><ul><li>Le prix d&rsquo;achat n&rsquo;est qu&rsquo;une partie du budget&nbsp;: taxes, assurance, \u00e9nergie et entretien reviennent chaque ann\u00e9e.<\/li><li>Acheter une r\u00e9sidence secondaire n&rsquo;ouvre droit \u00e0 aucune r\u00e9duction d&rsquo;imp\u00f4t, et la taxe d&rsquo;habitation reste due.<\/li><li>Les banques demandent souvent plus de garanties que pour une r\u00e9sidence principale.<\/li><li>Le type de bien change tout&nbsp;: maison ancienne, appartement en copropri\u00e9t\u00e9 ou cottage en parc r\u00e9sidentiel de loisirs n&rsquo;impliquent pas les m\u00eames obligations.<\/li><li>Un bien qui se g\u00e8re \u00e0 distance et qui reste agr\u00e9able \u00e0 utiliser se revend et se loue mieux.<\/li><\/ul><h2>1. D\u00e9finissez l&rsquo;usage r\u00e9el du bien<\/h2><p>Combien de semaines par an y passerez-vous&nbsp;? Viendrez-vous en famille, entre amis, seul pour t\u00e9l\u00e9travailler&nbsp;? Comptez-vous le louer une partie de l&rsquo;ann\u00e9e&nbsp;? Ces r\u00e9ponses orientent tout le reste&nbsp;: la taille, le confort, la distance acceptable et le niveau de gestion que vous pouvez assumer.<\/p><h2>2. Choisissez un emplacement que vous aurez envie de rejoindre<\/h2><p>Plus le trajet est long, moins on y va. Mesurez le temps de route ou de train depuis votre domicile, et testez la destination en dehors de la haute saison&nbsp;: commerces ouverts, services de sant\u00e9, ambiance en automne. Pour comparer les r\u00e9gions, notre guide <a href=\"https:\/\/natureetresidencevillage.com\/blog\/ou-acheter-residence-secondaire\/\">o\u00f9 acheter une r\u00e9sidence secondaire<\/a> passe en revue les crit\u00e8res \u00e0 regarder.<\/p><h2>3. Calculez le budget complet, pas seulement le prix d&rsquo;achat<\/h2><p>Au prix du bien s&rsquo;ajoutent les frais d&rsquo;acquisition, puis des d\u00e9penses r\u00e9currentes qui courent m\u00eame quand le logement est vide&nbsp;:<\/p><ul><li><strong>Les frais de notaire<\/strong>&nbsp;: en g\u00e9n\u00e9ral de l&rsquo;ordre de 7 \u00e0 8&nbsp;% dans l&rsquo;ancien, autour de 2 \u00e0 3&nbsp;% dans le neuf.<\/li><li><strong>La taxe fonci\u00e8re<\/strong>, d\u00e9taill\u00e9e dans notre article sur la <a href=\"https:\/\/natureetresidencevillage.com\/blog\/taxe-fonciere-residence-secondaire\/\">taxe fonci\u00e8re d&rsquo;une r\u00e9sidence secondaire<\/a>.<\/li><li><strong>La taxe d&rsquo;habitation<\/strong>, due sur les r\u00e9sidences secondaires et majorable par certaines communes.<\/li><li><strong>L&rsquo;assurance<\/strong>, avec les <a href=\"https:\/\/natureetresidencevillage.com\/blog\/assurance-residence-secondaire-prl\/\">garanties adapt\u00e9es \u00e0 un logement inoccup\u00e9<\/a>.<\/li><li><strong>L&rsquo;\u00e9nergie, l&rsquo;eau, les abonnements<\/strong> et l&rsquo;entretien courant, y compris les charges de copropri\u00e9t\u00e9 ou de parc.<\/li><\/ul><h2>4. Pr\u00e9parez le financement<\/h2><p>Pour une r\u00e9sidence secondaire, les banques regardent l&rsquo;ensemble de vos revenus et de vos charges, et demandent souvent un apport plus important que pour une r\u00e9sidence principale. Les loyers \u00e9ventuels ne couvrent g\u00e9n\u00e9ralement pas toutes les d\u00e9penses&nbsp;: mieux vaut construire le plan de financement sans compter dessus. Les conditions sont d\u00e9taill\u00e9es dans notre article sur le <a href=\"https:\/\/natureetresidencevillage.com\/blog\/pret-immobilier-residence-secondaire\/\">pr\u00eat immobilier pour une r\u00e9sidence secondaire<\/a>.<\/p><h2>5. Mesurez l&rsquo;impact fiscal<\/h2><p>Une r\u00e9sidence secondaire utilis\u00e9e pour vos loisirs ne donne droit \u00e0 aucune r\u00e9duction d&rsquo;imp\u00f4t&nbsp;: tout est expliqu\u00e9 dans notre article sur la <a href=\"https:\/\/natureetresidencevillage.com\/blog\/reduction-impot-residence-secondaire\/\">r\u00e9duction d&rsquo;imp\u00f4t et la r\u00e9sidence secondaire<\/a>. \u00c0 la revente, la plus-value n&rsquo;est pas exon\u00e9r\u00e9e comme pour une r\u00e9sidence principale&nbsp;; elle l&rsquo;est progressivement avec la dur\u00e9e de d\u00e9tention (voir l&rsquo;<a href=\"https:\/\/natureetresidencevillage.com\/blog\/impot-plus-value-residence-secondaire\/\">imp\u00f4t sur la plus-value<\/a>). Pour un cas pr\u00e9cis, un notaire ou un expert-comptable reste le bon interlocuteur.<\/p><h2>6. Comparez les types de biens<\/h2><table><tbody><tr><td><strong>Type de bien<\/strong><\/td><td><strong>Ce que vous achetez<\/strong><\/td><td><strong>Points de vigilance<\/strong><\/td><\/tr><tr><td>Maison ancienne<\/td><td>Un bien existant, souvent avec du caract\u00e8re<\/td><td>Travaux, isolation, entretien r\u00e9gulier<\/td><\/tr><tr><td>Appartement en copropri\u00e9t\u00e9<\/td><td>Un lot dans un immeuble<\/td><td>Charges de copropri\u00e9t\u00e9, r\u00e8glement, location saisonni\u00e8re parfois restreinte<\/td><\/tr><tr><td>Cottage en parc r\u00e9sidentiel de loisirs<\/td><td>Un h\u00e9bergement neuf et le terrain, en pleine propri\u00e9t\u00e9 (acte notari\u00e9)<\/td><td>Usage de loisirs, services du parc variables selon le domaine<\/td><\/tr><\/tbody><\/table><p>Un parc r\u00e9sidentiel de loisirs n&rsquo;est pas un camping&nbsp;: vous \u00eates propri\u00e9taire de votre parcelle, pas locataire d&rsquo;un emplacement. Notre article sur le <a href=\"https:\/\/natureetresidencevillage.com\/blog\/investissement\/choisir-parc-residentiel-de-loisirs\/\">choix d&rsquo;un parc r\u00e9sidentiel de loisirs<\/a> d\u00e9taille les crit\u00e8res.<\/p><h2>7. Anticipez la gestion \u00e0 distance<\/h2><p>Qui surveille le logement en votre absence&nbsp;? Qui intervient en cas de fuite&nbsp;? Un bien r\u00e9cent et un parc s\u00e9curis\u00e9 limitent les mauvaises surprises. V\u00e9rifiez aussi la clause d&rsquo;inhabitation de votre contrat d&rsquo;assurance, qui peut r\u00e9duire la garantie vol apr\u00e8s une longue absence.<\/p><h2>8. Pensez \u00e0 la revente et \u00e0 la location<\/h2><p>Un bien facile \u00e0 utiliser, bien situ\u00e9 et en bon \u00e9tat se revend plus sereinement. Si vous envisagez de le louer, renseignez-vous avant l&rsquo;achat sur les r\u00e8gles locales (d\u00e9claration en mairie, r\u00e8glement de copropri\u00e9t\u00e9 ou de parc) et sur le r\u00e9gime fiscal des loyers&nbsp;: notre guide pour <a href=\"https:\/\/natureetresidencevillage.com\/blog\/louer-residence-secondaire-rentable\/\">louer sa r\u00e9sidence secondaire<\/a> fait le point.<\/p><div style=\"background:rgba(18,79,109,0.06);border-left:4px solid #124F6D;border-radius:6px;padding:20px 24px;margin:28px 0;\"><p style=\"margin:0 0 8px;font-weight:700;color:#124F6D;text-transform:uppercase;letter-spacing:0.5px;font-size:14px;\">L&rsquo;avis de Nature &amp; R\u00e9sidence Village<\/p><p style=\"margin:0;\">Une r\u00e9sidence secondaire est d&rsquo;abord un achat plaisir et un patrimoine. Choisissez-la pour l&rsquo;usage que vous en ferez vraiment, et v\u00e9rifiez que son budget annuel reste confortable m\u00eame si vous ne la louez pas.<\/p><\/div><p>Vous cherchez une r\u00e9sidence secondaire neuve, en pleine propri\u00e9t\u00e9&nbsp;? D\u00e9couvrez nos <a href=\"https:\/\/natureetresidencevillage.com\/nos-programmes\/\">programmes de cottages<\/a> ou <a href=\"https:\/\/natureetresidencevillage.com\/contact\/\">contactez l&rsquo;\u00e9quipe<\/a> pour \u00e9tudier votre projet.<\/p><h2>FAQ&nbsp;: acheter une r\u00e9sidence secondaire<\/h2><style>\n.nrv-faq{margin-top:10px;}\n.nrv-faq-item{border-bottom:1px solid #D5D8DC;}\n.nrv-faq-item:last-child{border-bottom:none;}\n.nrv-faq-item summary{list-style:none;cursor:pointer;display:flex;align-items:center;gap:12px;padding:15px 0;}\n.nrv-faq-item summary::-webkit-details-marker{display:none;}\n.nrv-faq-item summary h3{display:inline;margin:0;font-size:20px;font-weight:400;color:#94A280;}\n.nrv-faq-item summary .nrv-faq-icon{font-size:18px;color:#94A280;width:20px;text-align:center;flex-shrink:0;}\n.nrv-faq-item summary .nrv-faq-icon-open{display:none;}\n.nrv-faq-item[open] summary .nrv-faq-icon-closed{display:none;}\n.nrv-faq-item[open] summary .nrv-faq-icon-open{display:inline;}\n.nrv-faq-item .nrv-faq-answer{padding:0 0 18px 32px;font-size:15px;color:#414141;}\n.nrv-faq-item .nrv-faq-answer p{margin:0;}\n<\/style><div class=\"nrv-faq\"><details class=\"nrv-faq-item\"><summary><span class=\"nrv-faq-icon nrv-faq-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span><span class=\"nrv-faq-icon nrv-faq-icon-open\"><i class=\"fas fa-caret-up\"><\/i><\/span><h3>Quels frais pr\u00e9voir pour acheter une r\u00e9sidence secondaire&nbsp;?<\/h3><\/summary><div class=\"nrv-faq-answer\"><p>Au prix d&rsquo;achat s&rsquo;ajoutent les frais de notaire (en g\u00e9n\u00e9ral de l&rsquo;ordre de 7 \u00e0 8&nbsp;% dans l&rsquo;ancien, 2 \u00e0 3&nbsp;% dans le neuf), d&rsquo;\u00e9ventuels frais d&rsquo;agence et de dossier bancaire. Pr\u00e9voyez ensuite chaque ann\u00e9e la taxe fonci\u00e8re, la taxe d&rsquo;habitation, l&rsquo;assurance, l&rsquo;\u00e9nergie et l&rsquo;entretien.<\/p><\/div><\/details><details class=\"nrv-faq-item\"><summary><span class=\"nrv-faq-icon nrv-faq-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span><span class=\"nrv-faq-icon nrv-faq-icon-open\"><i class=\"fas fa-caret-up\"><\/i><\/span><h3>Faut-il un apport pour acheter une r\u00e9sidence secondaire&nbsp;?<\/h3><\/summary><div class=\"nrv-faq-answer\"><p>Les banques demandent souvent un apport plus \u00e9lev\u00e9 que pour une r\u00e9sidence principale. Le montant varie selon votre situation et votre \u00e9tablissement&nbsp;: comparez plusieurs offres avant de vous d\u00e9cider.<\/p><\/div><\/details><details class=\"nrv-faq-item\"><summary><span class=\"nrv-faq-icon nrv-faq-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span><span class=\"nrv-faq-icon nrv-faq-icon-open\"><i class=\"fas fa-caret-up\"><\/i><\/span><h3>Une r\u00e9sidence secondaire est-elle rentable&nbsp;?<\/h3><\/summary><div class=\"nrv-faq-answer\"><p>Cela d\u00e9pend de l&rsquo;usage. Utilis\u00e9e pour vos loisirs, elle repr\u00e9sente une d\u00e9pense et un patrimoine. Lou\u00e9e, elle peut couvrir une partie des charges, rarement la totalit\u00e9. Calculez le revenu net apr\u00e8s charges et imp\u00f4ts avant de compter dessus.<\/p><\/div><\/details><details class=\"nrv-faq-item\"><summary><span class=\"nrv-faq-icon nrv-faq-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span><span class=\"nrv-faq-icon nrv-faq-icon-open\"><i class=\"fas fa-caret-up\"><\/i><\/span><h3>Quels sont les inconv\u00e9nients d&rsquo;une r\u00e9sidence secondaire&nbsp;?<\/h3><\/summary><div class=\"nrv-faq-answer\"><p>Les co\u00fbts permanents m\u00eame en cas de faible occupation, la gestion \u00e0 distance, un usage limit\u00e9 \u00e0 quelques semaines par an et l&rsquo;absence d&rsquo;avantage fiscal \u00e0 l&rsquo;achat. Choisir un bien r\u00e9cent, bien situ\u00e9 et assur\u00e9 r\u00e9duit une grande partie de ces contraintes.<\/p><\/div><\/details><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Acheter une r\u00e9sidence secondaire ne s&rsquo;improvise pas. Entre le coup de c\u0153ur et la signature, huit points m\u00e9ritent d&rsquo;\u00eatre v\u00e9rifi\u00e9s&nbsp;: l&rsquo;usage r\u00e9el, l&rsquo;emplacement, le budget complet, le financement, la fiscalit\u00e9, le type de bien, la gestion \u00e0 distance et la revente. Nature &amp; R\u00e9sidence Village fait le tour de ce qu&rsquo;il faut savoir avant d&rsquo;acheter &#8230; <a title=\"What do you need to know before buying a second home?\" class=\"read-more\" href=\"https:\/\/natureetresidencevillage.com\/en\/blog\/que-faut-il-savoir-avant-dacheter-une-residence-secondaire\/\" aria-label=\"Read more about Que faut-il savoir avant d\u2019acheter une re\u0301sidence secondaire ?\">Read more<\/a><\/p>","protected":false},"author":1,"featured_media":8194,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[25,353],"tags":[],"class_list":["post-8193","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-presse"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Que faut-il savoir avant d\u2019acheter une re\u0301sidence secondaire ? - Nature et R\u00e9sidence Village<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/natureetresidencevillage.com\/en\/blog\/que-faut-il-savoir-avant-dacheter-une-residence-secondaire\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Que faut-il savoir avant d\u2019acheter une re\u0301sidence secondaire ? - Nature et R\u00e9sidence Village\" \/>\n<meta property=\"og:description\" content=\"Acheter une r\u00e9sidence secondaire ne s&rsquo;improvise pas. Entre le coup de c\u0153ur et la signature, huit points m\u00e9ritent d&rsquo;\u00eatre v\u00e9rifi\u00e9s&nbsp;: l&rsquo;usage r\u00e9el, l&rsquo;emplacement, le budget complet, le financement, la fiscalit\u00e9, le type de bien, la gestion \u00e0 distance et la revente. Nature &amp; R\u00e9sidence Village fait le tour de ce qu&rsquo;il faut savoir avant d&rsquo;acheter ... 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