{"id":8456,"date":"2022-05-27T16:46:24","date_gmt":"2022-05-27T14:46:24","guid":{"rendered":"https:\/\/natureetresidencevillage.com\/?p=8456"},"modified":"2026-10-20T13:55:57","modified_gmt":"2026-10-20T11:55:57","slug":"sud-ouest-financer-sa-maison-de-vacances-grace-a-la-location-saisonniere","status":"publish","type":"post","link":"https:\/\/natureetresidencevillage.com\/en\/blog\/sud-ouest-financer-sa-maison-de-vacances-grace-a-la-location-saisonniere\/","title":{"rendered":"South-West-Finance your vacation home through seasonal rental"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"8456\" class=\"elementor elementor-8456\" 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-229f966 elementor-widget elementor-widget-image\" data-id=\"229f966\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"855\" height=\"826\" src=\"https:\/\/natureetresidencevillage.com\/wp-content\/uploads\/2022\/05\/Rentabiliser-Ville\u0301giatures-2405202238_Page_1.jpg\" class=\"attachment-large size-large wp-image-8458\" alt=\"\" srcset=\"https:\/\/natureetresidencevillage.com\/wp-content\/uploads\/2022\/05\/Rentabiliser-Ville\u0301giatures-2405202238_Page_1.jpg 1000w, https:\/\/natureetresidencevillage.com\/wp-content\/uploads\/2022\/05\/Rentabiliser-Ville\u0301giatures-2405202238_Page_1-300x290.jpg 300w, https:\/\/natureetresidencevillage.com\/wp-content\/uploads\/2022\/05\/Rentabiliser-Ville\u0301giatures-2405202238_Page_1-768x742.jpg 768w, https:\/\/natureetresidencevillage.com\/wp-content\/uploads\/2022\/05\/Rentabiliser-Ville\u0301giatures-2405202238_Page_1-12x12.jpg 12w\" sizes=\"(max-width: 855px) 100vw, 855px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d6c331 elementor-widget elementor-widget-image\" data-id=\"8d6c331\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"402\" height=\"1024\" src=\"https:\/\/natureetresidencevillage.com\/wp-content\/uploads\/2022\/05\/Rentabiliser-Ville\u0301giatures-2405202238_Page_2-402x1024.jpg\" class=\"attachment-large size-large wp-image-8459\" alt=\"\" srcset=\"https:\/\/natureetresidencevillage.com\/wp-content\/uploads\/2022\/05\/Rentabiliser-Ville\u0301giatures-2405202238_Page_2-402x1024.jpg 402w, https:\/\/natureetresidencevillage.com\/wp-content\/uploads\/2022\/05\/Rentabiliser-Ville\u0301giatures-2405202238_Page_2-118x300.jpg 118w, https:\/\/natureetresidencevillage.com\/wp-content\/uploads\/2022\/05\/Rentabiliser-Ville\u0301giatures-2405202238_Page_2-768x1958.jpg 768w, https:\/\/natureetresidencevillage.com\/wp-content\/uploads\/2022\/05\/Rentabiliser-Ville\u0301giatures-2405202238_Page_2-603x1536.jpg 603w, https:\/\/natureetresidencevillage.com\/wp-content\/uploads\/2022\/05\/Rentabiliser-Ville\u0301giatures-2405202238_Page_2-803x2048.jpg 803w, https:\/\/natureetresidencevillage.com\/wp-content\/uploads\/2022\/05\/Rentabiliser-Ville\u0301giatures-2405202238_Page_2-5x12.jpg 5w, https:\/\/natureetresidencevillage.com\/wp-content\/uploads\/2022\/05\/Rentabiliser-Ville\u0301giatures-2405202238_Page_2.jpg 900w\" sizes=\"(max-width: 402px) 100vw, 402px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-241cc79 elementor-widget elementor-widget-image\" data-id=\"241cc79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"855\" height=\"633\" src=\"https:\/\/natureetresidencevillage.com\/wp-content\/uploads\/2022\/05\/Rentabiliser-Ville\u0301giatures-2405202238_Page_3.jpg\" class=\"attachment-large size-large wp-image-8460\" alt=\"\" srcset=\"https:\/\/natureetresidencevillage.com\/wp-content\/uploads\/2022\/05\/Rentabiliser-Ville\u0301giatures-2405202238_Page_3.jpg 1000w, https:\/\/natureetresidencevillage.com\/wp-content\/uploads\/2022\/05\/Rentabiliser-Ville\u0301giatures-2405202238_Page_3-300x222.jpg 300w, https:\/\/natureetresidencevillage.com\/wp-content\/uploads\/2022\/05\/Rentabiliser-Ville\u0301giatures-2405202238_Page_3-768x568.jpg 768w, https:\/\/natureetresidencevillage.com\/wp-content\/uploads\/2022\/05\/Rentabiliser-Ville\u0301giatures-2405202238_Page_3-16x12.jpg 16w\" sizes=\"(max-width: 855px) 100vw, 855px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f4a5b6c elementor-widget elementor-widget-text-editor\" data-id=\"f4a5b6c\" 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>Peut-on financer sa maison de vacances gr\u00e2ce \u00e0 la location saisonni\u00e8re&nbsp;? Oui, en partie. La location peut couvrir une part des charges et des mensualit\u00e9s, rarement la totalit\u00e9. Voici comment \u00e9valuer ce que votre bien peut r\u00e9ellement rapporter, avec les d\u00e9marches et les imp\u00f4ts \u00e0 pr\u00e9voir. <strong>Nature &amp; R\u00e9sidence Village<\/strong> vous explique.<\/p><h2>L&rsquo;essentiel \u00e0 retenir<\/h2><ul><li>Basez votre plan de financement sur le revenu net apr\u00e8s charges et imp\u00f4ts, pas sur les loyers encaiss\u00e9s.<\/li><li>La location saisonni\u00e8re d\u00e9pend fortement de la p\u00e9riode&nbsp;: les semaines d&rsquo;\u00e9t\u00e9 rapportent plus que le reste de l&rsquo;ann\u00e9e.<\/li><li>Des d\u00e9marches s&rsquo;imposent&nbsp;: d\u00e9claration en mairie, r\u00e8gles de copropri\u00e9t\u00e9 ou de parc, fiscalit\u00e9 des loyers.<\/li><li>La location ne remplace pas votre apport ni votre capacit\u00e9 de remboursement.<\/li><\/ul><h2>Ce que la location peut couvrir<\/h2><p>Pour estimer le revenu d&rsquo;une location saisonni\u00e8re, partez du nombre de semaines louables dans l&rsquo;ann\u00e9e, du tarif de votre secteur et de votre taux d&rsquo;occupation prudent. D\u00e9duisez ensuite les frais&nbsp;:<\/p><ul><li>m\u00e9nage et linge entre deux s\u00e9jours&nbsp;;<\/li><li>commission de la plateforme ou de la conciergerie&nbsp;;<\/li><li>charges du logement (eau, \u00e9nergie, taxe fonci\u00e8re, assurance)&nbsp;;<\/li><li>imp\u00f4t sur les loyers.<\/li><\/ul><p>Ce qui reste alors vient all\u00e9ger votre mensualit\u00e9, mais n&rsquo;a rien d&rsquo;automatique. Un banquier retiendra souvent une partie seulement de ces revenus&nbsp;: n&rsquo;en faites pas la base de votre emprunt.<\/p><h2>Les d\u00e9marches avant de louer<\/h2><ul><li>D\u00e9clarer le logement en mairie quand il s&rsquo;agit d&rsquo;une r\u00e9sidence secondaire lou\u00e9e en meubl\u00e9 de tourisme, selon les r\u00e8gles de la commune.<\/li><li>V\u00e9rifier le r\u00e8glement de copropri\u00e9t\u00e9 ou le r\u00e8glement du parc, qui peut encadrer la location.<\/li><li>Informer votre assureur de l&rsquo;activit\u00e9 de location.<\/li><\/ul><h2>La fiscalit\u00e9 des loyers<\/h2><p>Les revenus de la location meubl\u00e9e rel\u00e8vent des BIC, avec le micro-BIC ou le r\u00e9gime r\u00e9el, le plus souvent sous le statut de loueur meubl\u00e9 non professionnel. Les abattements et plafonds ont \u00e9volu\u00e9 r\u00e9cemment pour la location de courte dur\u00e9e&nbsp;: v\u00e9rifiez les taux en vigueur. Notre article sur la <a href=\"https:\/\/natureetresidencevillage.com\/blog\/louer-residence-secondaire-rentable\/\">location d&rsquo;une r\u00e9sidence secondaire<\/a> et notre page <a href=\"https:\/\/natureetresidencevillage.com\/achat-en-lmnp\/\">achat en LMNP<\/a> compl\u00e8tent ce point.<\/p><h2>Un exemple de raisonnement, sans chiffres impos\u00e9s<\/h2><p>Imaginez que votre bien soit lou\u00e9 dix semaines par an. Multipliez ce nombre par un tarif hebdomadaire r\u00e9aliste pour votre r\u00e9gion, puis retirez les frais et l&rsquo;imp\u00f4t. Si le r\u00e9sultat couvre la moiti\u00e9 de vos charges annuelles, c&rsquo;est un bon r\u00e9sultat. S&rsquo;il les couvre enti\u00e8rement, vous avez de la marge. Reste \u00e0 v\u00e9rifier que cette projection tient avec un taux d&rsquo;occupation plus faible.<\/p><h2>Les erreurs fr\u00e9quentes quand on compte sur la location<\/h2><ul><li>Estimer le revenu avec un taux d&rsquo;occupation optimiste.<\/li><li>Oublier m\u00e9nage, linge, commission et charges dans le calcul.<\/li><li>Ne pas pr\u00e9voir l&rsquo;imp\u00f4t sur les loyers.<\/li><li>N\u00e9gliger les r\u00e8gles de la commune, du parc ou de la copropri\u00e9t\u00e9.<\/li><li>S&rsquo;engager sur un emprunt que vous ne pourriez pas rembourser sans loyers.<\/li><\/ul><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;\">Construisez votre financement comme si vous ne louiez pas, et consid\u00e9rez la location comme un compl\u00e9ment. Vous achetez avant tout un lieu o\u00f9 vous aimerez venir.<\/p><\/div><p>D\u00e9couvrez nos <a href=\"https:\/\/natureetresidencevillage.com\/nos-programmes\/\">programmes<\/a> ou <a href=\"https:\/\/natureetresidencevillage.com\/contact\/\">contactez l&rsquo;\u00e9quipe<\/a> pour \u00e9tudier votre projet.<\/p><h2>FAQ&nbsp;: financer sa r\u00e9sidence secondaire avec la location saisonni\u00e8re<\/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>La location saisonni\u00e8re peut-elle rembourser un cr\u00e9dit de r\u00e9sidence secondaire&nbsp;?<\/h3><\/summary><div class=\"nrv-faq-answer\"><p>Elle peut couvrir une partie des mensualit\u00e9s, rarement la totalit\u00e9. Le revenu net, apr\u00e8s m\u00e9nage, commission, charges et imp\u00f4ts, est inf\u00e9rieur aux loyers encaiss\u00e9s.<\/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 d\u00e9clarer une location saisonni\u00e8re en mairie&nbsp;?<\/h3><\/summary><div class=\"nrv-faq-answer\"><p>Dans de nombreuses communes, oui, pour une r\u00e9sidence secondaire lou\u00e9e en meubl\u00e9 de tourisme. Les r\u00e8gles varient selon la commune&nbsp;: renseignez-vous aupr\u00e8s de votre mairie.<\/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>Comment sont impos\u00e9s les loyers d&rsquo;une location saisonni\u00e8re&nbsp;?<\/h3><\/summary><div class=\"nrv-faq-answer\"><p>Dans la cat\u00e9gorie des BIC, au micro-BIC ou au r\u00e9gime r\u00e9el. Les abattements ont \u00e9volu\u00e9 r\u00e9cemment pour la courte dur\u00e9e, faites-vous confirmer les taux en vigueur.<\/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":"","protected":false},"author":1,"featured_media":8457,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[25,353],"tags":[],"class_list":["post-8456","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>Sud-Ouest-Financer sa maison de vacances gr\u00e2ce \u00e0 la location saisonni\u00e8re - 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\/sud-ouest-financer-sa-maison-de-vacances-grace-a-la-location-saisonniere\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Sud-Ouest-Financer sa maison de vacances gr\u00e2ce \u00e0 la location saisonni\u00e8re - 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