{"id":21469,"date":"2023-01-20T13:20:35","date_gmt":"2023-01-20T12:20:35","guid":{"rendered":"https:\/\/blog.urbanitae.com\/2023\/01\/20\/8-a-quoi-ressemblent-les-projets-de-dette-crowdlending\/"},"modified":"2024-07-03T17:11:45","modified_gmt":"2024-07-03T15:11:45","slug":"8-a-quoi-ressemblent-les-projets-de-dette-crowdlending","status":"publish","type":"post","link":"https:\/\/blog.urbanitae.com\/fr\/2023\/01\/20\/8-a-quoi-ressemblent-les-projets-de-dette-crowdlending\/","title":{"rendered":"\u00c0 quoi ressemblent un projet d’endettement (crowdlending)?"},"content":{"rendered":"\t\t
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Bien que ce soit toujours la m\u00eame chose \u2013 financer un projet \u2013 dans le monde du crowdfunding immobilier, il existe deux principaux types de strat\u00e9gies. D\u2019une part, il y a les projets de plus-values (<\/em>aussi appel\u00e9s financement participatif en capital) ;<\/em> de l\u2019autre, les projets de pr\u00eat ou de dette (\u00e9galement appel\u00e9s crowdlending<\/em> ou crowdfunding par emprunt).<\/em> Nous ne sommes pas tant int\u00e9ress\u00e9s par les noms que par les diff\u00e9rences. <\/p>\n

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La diff\u00e9rence la plus importante est le degr\u00e9 d\u2019association des investisseurs avec le projet. Alors que dans les gains en capital, les investisseurs avec des partenaires de projet, dans les projets de dette, ne pr\u00eatent l\u2019argent qu\u2019au <\/em>d\u00e9veloppeur. Dans le premier cas, les investisseurs entrent g\u00e9n\u00e9ralement dans une phase ant\u00e9rieure du projet. Ils ne r\u00e9cup\u00e8rent leur argent qu\u2019une fois que toutes les maisons du d\u00e9veloppement sont construites et vendues. Dans les projets de pr\u00eat, ils le r\u00e9cup\u00e8rent \u00e0 l\u2019expiration du terme et avec les int\u00e9r\u00eats pr\u00e9alablement fix\u00e9s.<\/strong> <\/p>\n

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C\u2019est pourquoi les projets d’ equity <\/em>ont tendance \u00e0 avoir des d\u00e9lais plus longs. En partageant les risques entre l\u2019investisseur et le promoteur, les rendements sont plus \u00e9lev\u00e9s. Dans le cas des pr\u00eats, toutefois,\u00a0La cl\u00e9 est de s\u2019assurer de la capacit\u00e9 de remboursement du d\u00e9veloppeur.<\/strong>\u00a0 C\u2019est-\u00e0-dire que les risques du projet sont similaires, car nous parlons toujours de d\u00e9veloppement immobilier. Mais le remboursement du pr\u00eat n\u2019est pas li\u00e9, par exemple, \u00e0 la vente de toutes les unit\u00e9s. Une fois le d\u00e9lai \u00e9coul\u00e9, le promoteur doit restituer l\u2019argent. Si vous avez quoi, pas de probl\u00e8me.<\/p>\n

C\u2019est l\u00e0 que les garanties entrent en jeu. Un exemple clair est une hypoth\u00e8que. Si le pr\u00eat est accompagn\u00e9 d\u2019une garantie hypoth\u00e9caire, cela signifie que l\u2019emprunteur de l\u2019argent r\u00e9pond, en cas de d\u00e9faut, avec le bien hypoth\u00e9qu\u00e9, par exemple, la ferme o\u00f9 se situe le projet. Si le promoteur ne peut pas restituer l\u2019argent \u00e0 l\u2019\u00e9ch\u00e9ance, l\u2019hypoth\u00e8que est saisie et la propri\u00e9t\u00e9, dans ce cas la propri\u00e9t\u00e9, passe entre les mains du pr\u00eateur.<\/p>\n

Toutefois, la garantie doit avoir une valeur suffisante. Par cons\u00e9quent, un crit\u00e8re utile lors de l\u2019octroi d\u2019un pr\u00eat est\u00a0 regardez le ratio pr\u00eat-valeur\u00a0<\/em> (LTV).\u00a0<\/em>\u00a0 En d\u2019autres termes, nous parlons du pourcentage que repr\u00e9sente le pr\u00eat sur la valeur totale de la garantie.<\/strong> Plus le LTV est bas, plus le pr\u00eat est consid\u00e9r\u00e9 comme s\u00fbr. C\u2019est logique. Si le LTV est de 40%, cela signifie que j\u2019ai pr\u00eat\u00e9 l\u2019\u00e9quivalent de 40% de la valeur de la garantie. Si elle \u00e9tait ex\u00e9cut\u00e9e, la garantie couvrirait plus que mon exposition.<\/p>\n\n

Dette \u00e0 Urbanitae<\/h2>\n

Chez Urbanitae, huit projets sur dix que nous finan\u00e7ons proviennent de\u00a0\u00c9quit\u00e9<\/em>\u00a0 ou des gains en capital. Entre\u00a0Les raisons<\/a>, comme l\u2019explique Diego Bestard, est la difficult\u00e9 des promoteurs \u00e0 trouver des partenaires capitalistes dans les petits et moyens projets. Quand m\u00eame\u00a0Nous avons financ\u00e9 plus de 18 millions d\u2019euros en\u00a0crowdlending.<\/em><\/strong>\u00a0 Un total de 19 projets allant de 300 000 euros \u00e0 3 millions, tels que\u00a0Maison de la Cascade<\/a>.<\/p>\n

Ce sont des chiffres que nous pr\u00e9voyons d\u2019augmenter rapidement avec le lancement de notre\u00a0Pr\u00eat promoteur<\/a>. Ce produit est ax\u00e9 sur les promoteurs qui n\u2019obtiennent pas de financement pour d\u00e9marrer les travaux malgr\u00e9 le respect d\u2019exigences telles que la propri\u00e9t\u00e9 du terrain sur lequel il va \u00eatre promu, la licence de construction accord\u00e9e et une commercialisation comprise entre 40 et 60%.<\/p>\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":"

Bien que ce soit toujours la m\u00eame chose \u2013 financer un projet \u2013 dans le monde du crowdfunding immobilier, il existe deux principaux types de strat\u00e9gies. D\u2019une part, il y a les projets de plus-values (aussi appel\u00e9s financement participatif en capital) ; de l\u2019autre, les…<\/p>\n","protected":false},"author":1,"featured_media":37557,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[832,723,822],"tags":[1915,1507,1006,1009,964,1367,1364,1010,1952,1008],"class_list":["post-21469","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-apprendre-a-investir","category-aprende-a-invertir","category-learn-to-invest","tag-apprendre","tag-aprende","tag-crowdlending-fr","tag-dette-immobiliere","tag-equite","tag-gains-fr-2","tag-plus-value","tag-pret-developpeur","tag-pret-participatif-immobilier","tag-urbanitae-fr"],"yoast_head":"\n\u00c0 quoi ressemblent un projet d'endettement (crowdlending)? - Urbanitae Blog<\/title>\n<meta name=\"description\" content=\"En quoi un projet d\u2019\u00e9quit\u00e9 diff\u00e8re-t-il d\u2019un projet de dette? 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