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.elementor-element.elementor-element-2157c4f{width:50%;}}</style>{"id":29582,"date":"2023-09-24T12:39:02","date_gmt":"2023-09-24T10:39:02","guid":{"rendered":"https:\/\/blog.urbanitae.com\/?p=29582"},"modified":"2026-09-24T14:00:17","modified_gmt":"2026-09-24T12:00:17","slug":"17-crowdfunding-immobilier-quest-ce-que-cest-et-pourquoi-investir","status":"publish","type":"post","link":"https:\/\/blog.urbanitae.com\/fr\/2023\/09\/24\/17-crowdfunding-immobilier-quest-ce-que-cest-et-pourquoi-investir\/","title":{"rendered":"8. Crowdfunding immobilier : qu&rsquo;est-ce que c&rsquo;est et pourquoi investir"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"29582\" class=\"elementor elementor-29582 elementor-27390\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-1806af2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1806af2\" 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-2ce0333\" data-id=\"2ce0333\" 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-6ce0ae0 elementor-widget elementor-widget-video\" data-id=\"6ce0ae0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/KAs3RAr-VnY&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\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<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-b8be46f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b8be46f\" 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-61efd02\" data-id=\"61efd02\" 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-7a715389 elementor-widget elementor-widget-text-editor\" data-id=\"7a715389\" 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>Le crowdfunding immobilier s\u2019est impos\u00e9 ces derni\u00e8res ann\u00e9es comme une alternative d\u2019investissement au sein du secteur immobilier.<\/p><h2>Qu\u2019est-ce que le crowdfunding immobilier ?<\/h2><p>L\u2019id\u00e9e de base du crowdfunding ne pourrait pas \u00eatre plus simple : permettre \u00e0 de nombreuses personnes de collaborer pour mener \u00e0 bien un projet. Le concept repose sur le financement collectif, o\u00f9 plusieurs investisseurs apportent du capital \u00e0 un m\u00eame projet.<\/p><p>Nous pouvons donc d\u00e9finir le crowdfunding immobilier comme un mod\u00e8le de financement collectif qui permet \u00e0 un groupe diversifi\u00e9 de personnes \u2014 les investisseurs \u2014 de financer des projets immobiliers \u00e0 travers des plateformes digitales, comme <a href=\"https:\/\/urbanitae.com\/fr\/\" target=\"_blank\" rel=\"noopener\">Urbanitae<\/a>. Ces plateformes mettent en relation des promoteurs immobiliers \u00e0 la recherche de financement pour leurs projets avec des investisseurs qui souhaitent diversifier leur portefeuille sans engager de grandes sommes d\u2019argent.<\/p><h2>Comment cela fonctionne<\/h2><p>Il est de plus en plus fr\u00e9quent que les promoteurs immobiliers aient recours \u00e0 des sources de financement alternatives aux banques. Cela s\u2019explique par plusieurs raisons. Depuis la crise de 2008, <strong>les banques ont limit\u00e9 leur exposition au secteur immobilier<\/strong>, et le financement du foncier leur est presque interdit. De plus, en raison de la nouvelle loi hypoth\u00e9caire de 2019, il leur est moins rentable de financer des logements neufs, car elles ne conservent pas automatiquement les pr\u00eats hypoth\u00e9caires des acheteurs.<\/p><p>Ainsi, les plateformes de crowdfunding immobilier repr\u00e9sentent une alternative efficace et fiable pour financer des projets jusqu\u2019\u00e0 cinq millions d\u2019euros \u2014 le maximum autoris\u00e9 par la loi. <strong>Dans le cas d\u2019<a href=\"https:\/\/urbanitae.com\/fr\/\" target=\"_blank\" rel=\"noopener\">Urbanitae<\/a>, le capital que nous levons est g\u00e9n\u00e9ralement destin\u00e9 \u00e0 financer l\u2019achat du terrain sur lequel le projet sera d\u00e9velopp\u00e9 ou le d\u00e9marrage des travaux<\/strong> jusqu\u2019\u00e0 l\u2019obtention du pr\u00eat promoteur. Nous proposons \u00e9galement notre propre modalit\u00e9 de <a href=\"https:\/\/blog.urbanitae.com\/2022\/10\/27\/lanzamos-nuestro-prestamo-promotor-con-respuesta-en-7-dias\/\" target=\"_blank\" rel=\"noopener\">pr\u00eat promoteur<\/a>.<\/p><p>Sur de nombreuses plateformes de crowdfunding immobilier, la plupart des projets rel\u00e8vent du secteur r\u00e9sidentiel \u2014 m\u00eame si nous restons ouverts \u00e0 tout segment pr\u00e9sentant de bonnes opportunit\u00e9s. <a href=\"https:\/\/blog.urbanitae.com\/fr\/2023\/07\/09\/21-comment-urbanitae-choisit-ses-projets\/\" target=\"_blank\" rel=\"noopener\">Nous choisissons les projets<\/a> selon plusieurs crit\u00e8res, mais nous nous concentrons surtout sur la capacit\u00e9 et l\u2019exp\u00e9rience du promoteur, l\u2019avancement commercial du projet et l\u2019\u00e9tat du permis de construire. En outre, nous soumettons la d\u00e9cision \u00e0 un comit\u00e9 d\u2019investissement compos\u00e9 d\u2019experts externes.<\/p><p><strong>Il existe deux grands types de <a href=\"https:\/\/blog.urbanitae.com\/fr\/2023\/01\/20\/8-a-quoi-ressemblent-les-projets-de-dette-crowdlending\/\" target=\"_blank\" rel=\"noopener\">projets : les projets de pr\u00eat ou de dette \u2014 crowdlending<\/a> immobilier \u2014 et les projets de plus-value \u2014 equity crowdfunding.<\/strong> Dans le premier cas, les investisseurs se regroupent pour pr\u00eater de l\u2019argent au promoteur, g\u00e9n\u00e9ralement sous la forme d\u2019un pr\u00eat \u00e0 taux fixe. Une fois le d\u00e9lai arriv\u00e9 \u00e0 \u00e9ch\u00e9ance, le promoteur rembourse l\u2019argent et les investisseurs r\u00e9cup\u00e8rent leur investissement avec la rentabilit\u00e9 correspondante.<\/p><p>Dans les projets d\u2019equity, les investisseurs s\u2019associent au promoteur, de sorte qu\u2019ils partagent les risques du projet ainsi que la rentabilit\u00e9 g\u00e9n\u00e9r\u00e9e, g\u00e9n\u00e9ralement autour de 15 % par an. Ici, il n\u2019existe pas de d\u00e9lai pr\u00e9d\u00e9fini, mais une estimation, car des retards peuvent survenir dans la commercialisation, l\u2019obtention du permis ou en raison de hausses des co\u00fbts de construction. Chez Urbanitae, la majorit\u00e9 des <a href=\"https:\/\/urbanitae.com\/fr\/projets\/\" target=\"_blank\" rel=\"noopener\">projets<\/a> sont des projets de plus-value.<\/p><h2>Qui r\u00e9gule le crowdfunding immobilier ?<\/h2><p>Les plateformes de crowdfunding immobilier \u00e9taient r\u00e9glement\u00e9es en Espagne depuis 2015 par le titre V de la <a href=\"https:\/\/www.boe.es\/eli\/es\/l\/2015\/04\/27\/5\/con\" target=\"_blank\" rel=\"noopener\"><strong>Loi 5\/2015<\/strong><\/a>. En octobre 2020, l\u2019Union europ\u00e9enne a approuv\u00e9 un r\u00e8glement visant \u00e0 unifier au niveau europ\u00e9en la r\u00e9glementation applicable aux plateformes de financement participatif, le <a href=\"https:\/\/www.boe.es\/buscar\/doc.php?id=DOUE-L-2020-81532\" target=\"_blank\" rel=\"noopener\"><strong>R\u00e8glement (UE) 2020\/1503<\/strong><\/a>. Ce r\u00e8glement s\u2019applique en Espagne depuis le 10 novembre 2021, m\u00eame si les plateformes disposent jusqu\u2019au 10 novembre 2023 pour s\u2019y adapter. En Espagne, la <a href=\"https:\/\/www.boe.es\/eli\/es\/l\/2022\/09\/28\/18\" target=\"_blank\" rel=\"noopener\"><strong>Loi 18\/2022<\/strong><\/a> adapte la l\u00e9gislation espagnole au cadre juridique \u00e9tabli au niveau europ\u00e9en.<\/p><p>Par ailleurs, les plateformes de crowdfunding sont supervis\u00e9es par la Commission nationale du march\u00e9 des valeurs mobili\u00e8res et, au niveau europ\u00e9en, par l\u2019Autorit\u00e9 europ\u00e9enne des march\u00e9s financiers \u2014 ESMA, selon son sigle anglais.<\/p><h2>Pourquoi investir : avantages et inconv\u00e9nients<\/h2><p>Nous avons d\u00e9j\u00e0 parl\u00e9 sur le blog des <a href=\"https:\/\/blog.urbanitae.com\/fr\/2023\/08\/15\/avantages-de-linvestissement-dans-le-crowdfunding-immobilier\/\" target=\"_blank\" rel=\"noopener\">avantages d\u2019investir dans le crowdfunding immobilier<\/a>. Le premier est qu\u2019il permet d\u2019acc\u00e9der \u00e0 des opportunit\u00e9s d\u2019investissement tr\u00e8s attractives \u00e0 partir de petits montants, comme 500 euros. Pour cette m\u00eame raison, il aide de nombreux investisseurs \u00e0 diversifier leur portefeuille en y int\u00e9grant un secteur stable et r\u00e9sistant \u00e0 l\u2019inflation, comme l\u2019immobilier, sans se soucier de la gestion ni acheter de biens. Dans certains cas, il peut offrir des rentabilit\u00e9s sup\u00e9rieures \u00e0 d\u2019autres alternatives, bien que celles-ci d\u00e9pendent du type de projet et du contexte de march\u00e9. <strong>Dans le cas d\u2019Urbanitae, elle peut varier en fonction du projet, du d\u00e9lai et du risque.<\/strong><\/p><p>Parmi les principaux inconv\u00e9nients, il faut souligner qu\u2019il s\u2019agit d\u2019un investissement illiquide, c\u2019est-\u00e0-dire que nous ne pouvons pas nous en d\u00e9faire tant que le projet n\u2019est pas termin\u00e9. Un autre inconv\u00e9nient possible est le d\u00e9lai, qui tourne g\u00e9n\u00e9ralement autour de 24 mois. Il convient \u00e9galement de mentionner que, comme tout investissement, <strong>le crowdfunding immobilier n\u2019est pas exempt de risques :<\/strong> malgr\u00e9 toutes les pr\u00e9cautions, l\u2019investisseur pourrait perdre du capital. Il est donc important d\u2019analyser chaque projet et de ne pas supposer qu\u2019ils offrent tous le m\u00eame niveau de rentabilit\u00e9 ou de risque.<\/p><h2>\u00c0 qui s\u2019adresse le crowdfunding immobilier ?<\/h2><p>Ce type d\u2019investissement convient g\u00e9n\u00e9ralement aux investisseurs qui cherchent \u00e0 diversifier leur portefeuille et \u00e0 acc\u00e9der au secteur immobilier sans avoir \u00e0 acheter un actif complet, et qui sont pr\u00eats \u00e0 accepter une liquidit\u00e9 plus faible en \u00e9change d\u2019une rentabilit\u00e9 potentielle.<\/p><h2>Conclusion<\/h2><p>En r\u00e9sum\u00e9, le crowdfunding immobilier a r\u00e9volutionn\u00e9 la mani\u00e8re dont les particuliers investissent dans l\u2019immobilier, en d\u00e9mocratisant l\u2019acc\u00e8s \u00e0 des opportunit\u00e9s d\u2019investissement de qualit\u00e9. Bien qu\u2019il pr\u00e9sente des avantages et des inconv\u00e9nients, sa croissance continue montre qu\u2019il s\u2019agit d\u2019une tendance qui est l\u00e0 pour durer, et qui progresse. Avant d\u2019investir, il convient d\u2019analyser chaque opportunit\u00e9, de comprendre les risques et d\u2019\u00e9valuer si elle s\u2019int\u00e8gre dans une strat\u00e9gie d\u2019investissement diversifi\u00e9e.<\/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<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-78ce557 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"78ce557\" 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-50 elementor-top-column elementor-element elementor-element-656cdb8\" data-id=\"656cdb8\" 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-3f90589 elementor-widget elementor-widget-eael-creative-button\" data-id=\"3f90589\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-creative-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"eael-creative-button-wrapper\">\n\n            <a class=\"eael-creative-button eael-creative-button--rayen eael-cb-icon-position-left\" href=\"https:\/\/blog.urbanitae.com\/fr\/2023\/09\/10\/14-comment-investir-dans-limmobilier-en-espagne\/\" data-text=\"Allez!\">\n            \t    \n                <div class=\"creative-button-inner\">\n\n                                            <span class=\"eael-creative-button-icon-left\"><i aria-hidden=\"true\" class=\"far fa-arrow-alt-circle-left\"><\/i><\/span>                    \n                    <span class=\"cretive-button-text\">\u00c9pisode pr\u00e9c\u00e9dent<\/span>\n\n                                    <\/div>\n\t                        <\/a>\n        <\/div>\n        \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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2157c4f\" data-id=\"2157c4f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\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>Vous pouvez investir dans l&rsquo;immobilier \u00e0 partir de 500 euros et obtenir des rendements \u00e0 deux chiffres. Nous vous montrerons comment.<\/p>\n","protected":false},"author":1,"featured_media":68736,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_templately_pack_id":"","_templately_imported_at":"","_templately_source":"","_templately_import_session_id":"","footnotes":""},"categories":[832,1664],"tags":[1756,1366,69,951,1887,1952,1008],"class_list":["post-29582","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-apprendre-a-investir","category-guide-de-linvestisseur-debutant","tag-crowdfunding-fr","tag-financement-participatif-fr","tag-inversion-inmobiliaria","tag-investissement-immobilier","tag-investissement-immobilier-2","tag-pret-participatif-immobilier","tag-urbanitae-fr"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":8}},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>8. 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