{"id":9872,"date":"2025-04-24T13:39:10","date_gmt":"2025-04-24T05:39:10","guid":{"rendered":"https:\/\/doolounge.com\/break-even\/"},"modified":"2025-04-24T13:39:10","modified_gmt":"2025-04-24T05:39:10","slug":"break-even","status":"publish","type":"post","link":"https:\/\/doolounge.com\/fr\/break-even\/","title":{"rendered":"Vous regrettez d&#039;avoir contract\u00e9 un pr\u00eat immobilier sur 40 ans et vous souhaitez vendre votre bien \u00e0 Xinqing&#039;an mais vous avez peur de la taxe fonci\u00e8re ?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Afin de r\u00e9aliser mon r\u00eave, je n&#039;avais pas beaucoup d&#039;argent sous la main, j&#039;ai donc choisi de demander un pr\u00eat hypoth\u00e9caire \u00e0 Xinqing&#039;an et j&#039;ai achet\u00e9 \u00e0 la h\u00e2te une maison avec une dur\u00e9e de pr\u00eat allant jusqu&#039;\u00e0 40 ans. Cependant, je ne m&#039;attendais pas \u00e0 le regretter apr\u00e8s avoir emm\u00e9nag\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/doolounge.com\/wp-content\/uploads\/2025\/04\/fb_img_17454730412856535813985036096809-1024x576.jpg\" alt=\"\" class=\"wp-image-9871\" srcset=\"https:\/\/doolounge.com\/wp-content\/uploads\/2025\/04\/fb_img_17454730412856535813985036096809-1024x576.jpg 1024w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/04\/fb_img_17454730412856535813985036096809-300x169.jpg 300w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/04\/fb_img_17454730412856535813985036096809-768x432.jpg 768w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/04\/fb_img_17454730412856535813985036096809-18x10.jpg 18w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/04\/fb_img_17454730412856535813985036096809.jpg 1067w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&#039;\u00e9loignement, les longs trajets et l&#039;instabilit\u00e9 des emplois font que la pression hypoth\u00e9caire mensuelle est telle qu&#039;elle p\u00e8se lourd, ce qui am\u00e8ne les gens \u00e0 se demander s&#039;ils doivent vendre leur maison et recommencer \u00e0 z\u00e9ro.<br><br>Mais lorsque j&#039;ai r\u00e9fl\u00e9chi \u00e0 la charge fiscale suppl\u00e9mentaire que pourrait engendrer la \u00ab taxe d&#039;int\u00e9gration immobili\u00e8re \u00bb, je n&#039;ai pas r\u00e9ussi \u00e0 me d\u00e9cider.<br><br>R\u00e9cemment, j\u2019ai commenc\u00e9 \u00e0 entendre fr\u00e9quemment parler de cas similaires. Un grand nombre de personnes se sont pr\u00e9cipit\u00e9es pour obtenir le pr\u00eat de Xinqing&#039;an il y a quelque temps. Ils sont entr\u00e9s sur le march\u00e9 sans l\u2019\u00e9valuer ni le consid\u00e9rer clairement. Ils sont maintenant confront\u00e9s aux fondamentaux du probl\u00e8me, mais ils ne comprennent pas tr\u00e8s bien la r\u00e9glementation et ne savent pas quoi faire !<br><br>Il est vrai que beaucoup de gens n\u2019ont pas une compr\u00e9hension claire de la taxe fonci\u00e8re. Permettez-moi de clarifier un point essentiel pour tout le monde : \u00ab La taxe fonci\u00e8re n\u2019est pr\u00e9lev\u00e9e que sur les transactions rentables. \u00bb Si vous ne r\u00e9alisez aucun b\u00e9n\u00e9fice sur la diff\u00e9rence de prix lorsque vous vendez votre maison, vous ne serez pas du tout impos\u00e9.<br><br>En d\u2019autres termes, si vous souhaitez simplement r\u00e9duire votre stress plut\u00f4t que d\u2019en tirer profit, vous n\u2019avez pas \u00e0 vous soucier d\u2019\u00eatre lourdement impos\u00e9.<br><br>La cl\u00e9 r\u00e9side donc dans l\u2019objectif de votre sortie : est-ce pour soulager le stress ou pour tirer profit de la diff\u00e9rence de prix ?<br><br>Si vous souhaitez simplement r\u00e9duire la pression, il est en fait plus pragmatique de s\u2019en occuper le plus t\u00f4t possible, pendant que les prix de l\u2019immobilier se maintiennent.<br><br>M\u00eame si le transfert est plat ou que la perte est faible, cela peut soulager la forte pression financi\u00e8re et \u00e9viter que la situation ne s&#039;aggrave \u00e0 l&#039;avenir tout en minimisant la perte.<br><br>Si vous souhaitez simplement profiter de la diff\u00e9rence de prix et acheter dans une r\u00e9gion \u00e9loign\u00e9e, il sera difficile de r\u00e9aliser un profit sans attendre plus de dix ou huit ans, alors ne r\u00e9fl\u00e9chissez pas trop.<br><br>Il est recommand\u00e9 d\u2019\u00e9valuer calmement votre propre situation, de clarifier vos objectifs, puis de d\u00e9cider de l\u2019\u00e9tape suivante.<br><br>Vous souhaiterez peut-\u00eatre consulter quelques agences immobili\u00e8res r\u00e9put\u00e9es pour comprendre les conditions actuelles du march\u00e9 et les m\u00e9thodes de sortie possibles. Si vous voulez que je vous aide \u00e0 vendre la propri\u00e9t\u00e9, c&#039;est tr\u00e8s bien aussi. Apr\u00e8s tout, j\u2019ai \u00e9galement des qualifications en commerce immobilier d\u00e9livr\u00e9es par le gouvernement.<br><br>Acheter la mauvaise maison n\u2019est pas la fin du monde. Ce n\u2019est qu\u2019en trouvant la bonne fa\u00e7on de g\u00e9rer le stress que vous pourrez v\u00e9ritablement soulager votre stress et vous remettre sur la bonne voie.<\/p>","protected":false},"excerpt":{"rendered":"<p>Apr\u00e8s avoir demand\u00e9 un nouveau pr\u00eat \u00e0 Qing&#039;an pour acheter une maison, je l&#039;ai regrett\u00e9 en raison de l&#039;\u00e9loignement et de la pr\u00e9carit\u00e9 de mon emploi. J&#039;ai envisag\u00e9 de la vendre, mais j&#039;\u00e9tais inquiet de la taxe fonci\u00e8re.<\/p>\n<p>En r\u00e9alit\u00e9, l&#039;imp\u00f4t foncier ne s&#039;applique qu&#039;aux b\u00e9n\u00e9fices provenant des diff\u00e9rences de prix. En l&#039;absence de b\u00e9n\u00e9fice, aucun imp\u00f4t ne sera pr\u00e9lev\u00e9.<\/p>\n<p>Si l&#039;objectif est de soulager la pression, un transfert forfaitaire ou une petite indemnisation constitue une option plus prudente. Il est recommand\u00e9 de consulter un agent immobilier pour trouver une solution de sortie adapt\u00e9e.<\/p>","protected":false},"author":2,"featured_media":9871,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"activitypub_content_warning":"","activitypub_content_visibility":"","activitypub_max_image_attachments":4,"activitypub_interaction_policy_quote":"anyone","activitypub_status":"federated","footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false,"beyondwords_generate_audio":"","beyondwords_project_id":"","beyondwords_content_id":"","beyondwords_player_style":"","beyondwords_language_id":"","beyondwords_title_voice_id":"","beyondwords_body_voice_id":"","beyondwords_summary_voice_id":"","beyondwords_error_message":"","beyondwords_disabled":"","beyondwords_delete_content":"","beyondwords_podcast_id":"","beyondwords_hash":"","publish_post_to_speechkit":"","speechkit_hash":"","speechkit_generate_audio":"","speechkit_project_id":"","speechkit_podcast_id":"","speechkit_error_message":"","speechkit_disabled":"","speechkit_access_key":"","speechkit_error":"","speechkit_info":"","speechkit_response":"","speechkit_retries":"","speechkit_updated_at":"","_speechkit_link":"","_speechkit_text":""},"categories":[770,817],"tags":[776,847,771,842,811,780],"class_list":["post-9872","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-estate","category-money","tag-776","tag-847","tag-771","tag-842","tag-811","tag-780"],"blocksy_meta":[],"featured_image_urls":{"full":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/04\/fb_img_17454730412856535813985036096809.jpg",1067,600,false],"thumbnail":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/04\/fb_img_17454730412856535813985036096809-150x150.jpg",150,150,true],"medium":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/04\/fb_img_17454730412856535813985036096809-300x169.jpg",300,169,true],"medium_large":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/04\/fb_img_17454730412856535813985036096809-768x432.jpg",768,432,true],"large":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/04\/fb_img_17454730412856535813985036096809-1024x576.jpg",1024,576,true],"1536x1536":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/04\/fb_img_17454730412856535813985036096809.jpg",1067,600,false],"2048x2048":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/04\/fb_img_17454730412856535813985036096809.jpg",1067,600,false],"trp-custom-language-flag":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/04\/fb_img_17454730412856535813985036096809-18x10.jpg",18,10,true]},"post_excerpt_stackable":"<p>\u7533\u8acb\u65b0\u9752\u5b89\u8cb8\u6b3e\u8cb7\u623f\u5f8c\uff0c\u56e0\u5730\u9ede\u504f\u9060\u8207\u5de5\u4f5c\u4e0d\u7a69\u5c0e\u81f4\u5f8c\u6094\uff0c\u8003\u616e\u51fa\u552e\u537b\u64d4\u5fc3\u623f\u5730\u5408\u4e00\u7a05\u3002<\/p>\n<p>\u5176\u5be6\u623f\u5730\u5408\u4e00\u7a05\u50c5\u91dd\u5c0d\u6709\u50f9\u5dee\u7372\u5229\u624d\u8ab2\u7a05\uff0c\u82e5\u7121\u7372\u5229\u5c31\u4e0d\u6703\u8ab2\u7a05\u3002<\/p>\n<p>\u82e5\u76ee\u7684\u662f\u6e1b\u8f15\u58d3\u529b\uff0c\u5e73\u8f49\u6216\u5c0f\u8ce0\u8655\u7406\u662f\u8f03\u4fdd\u5b88\u7684\u9078\u64c7\uff0c\u5efa\u8b70\u591a\u8aee\u8a62\u623f\u4ef2\u5c0b\u627e\u5408\u9069\u51fa\u5834\u65b9\u5f0f\u3002<\/p>\n","category_list":"<a 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