{"id":79985,"date":"2026-02-03T08:45:00","date_gmt":"2026-02-03T07:45:00","guid":{"rendered":"https:\/\/blog.urbanitae.com\/?p=79985"},"modified":"2026-02-04T12:07:20","modified_gmt":"2026-02-04T11:07:20","slug":"crowdfunding-immobilier-et-impots-ce-que-vous-devez-savoir","status":"publish","type":"post","link":"https:\/\/blog.urbanitae.com\/fr\/2026\/02\/03\/crowdfunding-immobilier-et-impots-ce-que-vous-devez-savoir\/","title":{"rendered":"Crowdfunding immobilier et imp\u00f4ts ce que vous devez savoir"},"content":{"rendered":"\n<p>Le <strong>crowdfunding immobilier<\/strong> s\u2019est impos\u00e9 comme l\u2019un des moyens les plus accessibles d\u2019investir dans la pierre sans avoir \u00e0 acheter un bien entier.<br>Selon les derni\u00e8res donn\u00e9es de <a href=\"https:\/\/www.researchnester.com\/reports\/real-estate-crowdfunding-market\/2874\" target=\"_blank\" rel=\"noreferrer noopener\">Research Nester<\/a>, ce secteur a repr\u00e9sent\u00e9 <strong>22,1 milliards de dollars dans le monde en 2025<\/strong> et l\u2019on s\u2019attend \u00e0 ce que, <strong>dans les 10 prochaines ann\u00e9es, ce chiffre d\u00e9passe 900 milliards de dollars<\/strong>.<br>Gr\u00e2ce aux <strong>plateformes de financement participatif<\/strong>, tout investisseur (y compris le petit \u00e9pargnant) peut acc\u00e9der \u00e0 des projets immobiliers \u00e0 partir de faibles montants et viser des rendements potentiellement attractifs.<br>L\u2019investissement immobilier a atteint <strong>17 milliards d\u2019euros en 2025<\/strong>, soit 30 % de plus que l\u2019ann\u00e9e pr\u00e9c\u00e9dente, selon l\u2019Association des Consultoras Inmobiliarias (ACI).<br>Cependant, comme tout investissement financier, <strong>il a des implications fiscales qu\u2019il convient de conna\u00eetre et de g\u00e9rer correctement<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u2019est-ce que le crowdfunding immobilier ?<\/h2>\n\n\n\n<p>Le <strong><a href=\"https:\/\/blog.urbanitae.com\/fr\/2024\/04\/24\/pourquoi-commencer-a-investir-dans-limmobilier\/?utm_source=blog_fr&#038;utm_medium=organic&#038;utm_campaign=urbanitae_blog_0226&#038;utm_term=crowdfunding_immobilier&#038;utm_content=fr_crowdfunding_inmobiliario_impuestos\" target=\"_blank\" rel=\"noreferrer noopener\">crowdfunding immobilier<\/a><\/strong> consiste en le <strong>financement collectif de projets immobiliers<\/strong> via des plateformes en ligne autoris\u00e9es par la <strong>Commission nationale du march\u00e9 des valeurs mobili\u00e8res (CNMV)<\/strong>.<br>Ces plateformes mettent en relation des promoteurs ayant besoin de financement et des investisseurs qui apportent des fonds en \u00e9change d\u2019un rendement (int\u00e9r\u00eats ou participation aux b\u00e9n\u00e9fices).<\/p>\n\n\n\n<p>Il existe deux mod\u00e8les principaux :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Crowdlending (ou crowdfunding de dette)<\/strong> : l\u2019investisseur pr\u00eate de l\u2019argent (comme un cr\u00e9dit) et re\u00e7oit des <strong>int\u00e9r\u00eats p\u00e9riodiques<\/strong>.<\/li>\n\n\n\n<li><strong>Crowdequity<\/strong> : l\u2019investisseur acquiert des <strong>parts ou actions<\/strong> et participe aux gains issus de la vente ou de la location des actifs.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Comment le crowdfunding immobilier est-il impos\u00e9 en Espagne ?<\/h2>\n\n\n\n<p>La forme d\u2019imposition la plus courante (surtout lorsqu\u2019il s\u2019agit <strong>d\u2019int\u00e9r\u00eats ou de rendements p\u00e9riodiques<\/strong>) est celle des <strong>revenus de capitaux mobiliers dans la base de l\u2019\u00e9pargne de l\u2019IRPF<\/strong>.<br>Cela signifie que <strong>les b\u00e9n\u00e9fices issus du crowdfunding immobilier s\u2019ajoutent aux autres revenus de l\u2019\u00e9pargne<\/strong> (dividendes, int\u00e9r\u00eats de comptes ou de d\u00e9p\u00f4ts) et sont impos\u00e9s de fa\u00e7on progressive.<\/p>\n\n\n\n<p>En partant du principe que vous \u00eates un investisseur particulier. <strong>Si vous \u00eates une entreprise (personne morale), les b\u00e9n\u00e9fices sont impos\u00e9s selon le taux g\u00e9n\u00e9ral de l\u2019imp\u00f4t sur les soci\u00e9t\u00e9s<\/strong> (25 % pour les PME).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Taux d\u2019imposition<\/h2>\n\n\n\n<p>Les tranches en vigueur (\u00e0 titre de 2025) pour la base de l\u2019\u00e9pargne en Espagne sont les suivantes :<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Revenus de l\u2019\u00e9pargne<\/th><th>Taux d\u2019imposition<\/th><\/tr><\/thead><tbody><tr><td>Jusqu\u2019\u00e0 6 000 \u20ac<\/td><td>19 %<\/td><\/tr><tr><td>6 000 \u2013 50 000 \u20ac<\/td><td>21 %<\/td><\/tr><tr><td>50 000 \u2013 200 000 \u20ac<\/td><td>23 %<\/td><\/tr><tr><td>200 000 \u2013 300 000 \u20ac<\/td><td>27 %<\/td><\/tr><tr><td>Plus de 300 000 \u20ac<\/td><td>28 %<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Ces taux sont <strong>progressifs<\/strong> et s\u2019appliquent \u00e0 l\u2019ensemble de vos revenus de l\u2019\u00e9pargne (pas uniquement ceux du crowdfunding).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Que devez-vous d\u00e9clarer dans la d\u00e9claration d\u2019imp\u00f4t ?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Int\u00e9r\u00eats et rendements<\/h3>\n\n\n\n<p>Si vous avez per\u00e7u des <strong>int\u00e9r\u00eats ou rendements p\u00e9riodiques<\/strong>, vous devez les inclure dans votre d\u00e9claration d\u2019IRPF dans les rubriques correspondant aux <strong>revenus de capitaux mobiliers<\/strong>.<br>Si la plateforme en Espagne a <strong>pratiqu\u00e9 une retenue \u00e0 la source (retenci\u00f3n)<\/strong>, celle-ci figurera sur votre certificat fiscal et <strong>sera d\u00e9duite de l\u2019imp\u00f4t \u00e0 payer<\/strong>.<\/p>\n\n\n\n<p>Lorsque vous investissez via des <strong>plateformes \u00e9trang\u00e8res<\/strong> et que la valeur des actifs hors d\u2019Espagne d\u00e9passe 50 000 \u20ac, vous avez l\u2019obligation de d\u00e9poser le <strong>formulaire Modelo 720<\/strong>.<br>Si vous avez d\u00e9j\u00e0 pay\u00e9 des imp\u00f4ts dans le pays d\u2019origine, vous pouvez appliquer une <strong>d\u00e9duction pour double imposition internationale<\/strong> si un trait\u00e9 fiscal existe entre l\u2019Espagne et ce pays.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Plus-values<\/h3>\n\n\n\n<p>Si votre <a href=\"https:\/\/blog.urbanitae.com\/fr\/2025\/01\/30\/la-reforme-fiscale-affecte-t-elle-linvestisseur-particulier-dans-limmobilier\/?utm_source=blog_fr&#038;utm_medium=organic&#038;utm_campaign=urbanitae_blog_0226&#038;utm_term=investissement&#038;utm_content=fr_crowdfunding_inmobiliario_impuestos\" target=\"_blank\" rel=\"noreferrer noopener\">investissement<\/a> a g\u00e9n\u00e9r\u00e9 des <strong>plus-values lors de la vente de parts ou via une distribution de b\u00e9n\u00e9fices<\/strong>, celles-ci sont consid\u00e9r\u00e9es comme des <strong>plus-values (gains patrimoniaux)<\/strong> et sont \u00e9galement <a href=\"https:\/\/blog.urbanitae.com\/fr\/2023\/04\/23\/16-comment-les-investissements-dans-urbanitae-sont-ils-taxes\/?utm_source=blog_fr&#038;utm_medium=organic&#038;utm_campaign=urbanitae_blog_0226&#038;utm_term=imposees&#038;utm_content=fr_crowdfunding_inmobiliario_impuestos\" target=\"_blank\" rel=\"noreferrer noopener\">impos\u00e9es<\/a> dans la base de l\u2019\u00e9pargne selon les m\u00eames tranches.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Peut-on compenser les pertes ?<\/h2>\n\n\n\n<p>Oui. Si vous avez subi des <strong>pertes<\/strong> sur certains projets, elles peuvent \u00eatre <strong>compens\u00e9es avec des gains la m\u00eame ann\u00e9e<\/strong>, ce qui r\u00e9duit votre base imposable totale. S\u2019il reste des pertes apr\u00e8s compensation, vous pouvez g\u00e9n\u00e9ralement <strong>les reporter pour les compenser au cours des quatre ann\u00e9es suivantes<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Exemples pas \u00e0 pas<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Exemple 1 Crowdlending avec int\u00e9r\u00eats<\/h3>\n\n\n\n<p>Imaginons qu\u2019en 2025 vous ayez re\u00e7u :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Int\u00e9r\u00eats de crowdfunding : <strong>4 000 \u20ac<\/strong>.<\/li>\n\n\n\n<li>Int\u00e9r\u00eats d\u2019un d\u00e9p\u00f4t bancaire : <strong>1 000 \u20ac<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p>Total des revenus de l\u2019\u00e9pargne : <strong>5 000 \u20ac<\/strong>.<\/p>\n\n\n\n<p>On additionne les deux : 5 000 \u20ac.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Taux applicable : 19 % (car on ne d\u00e9passe pas 6 000 \u20ac).<\/li>\n\n\n\n<li>Si la plateforme a retenu 19 % sur ces int\u00e9r\u00eats (760 \u20ac), elle a d\u00e9j\u00e0 vers\u00e9 ce montant, et vous n\u2019aurez qu\u2019\u00e0 le d\u00e9clarer dans l\u2019IRPF, mais <strong>vous ne paierez pas d\u2019imp\u00f4ts suppl\u00e9mentaires pour cela<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Exemple 2 Gains lors de la vente de parts<\/h3>\n\n\n\n<p>Supposons que vous vendiez des parts d\u2019un projet et obteniez :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Prix de vente : 10 000 \u20ac<\/li>\n\n\n\n<li>Prix d\u2019achat initial : 8 000 \u20ac<\/li>\n\n\n\n<li>Gain net : 2 000 \u20ac<\/li>\n<\/ul>\n\n\n\n<p>Ce gain est consid\u00e9r\u00e9 comme une <strong><a href=\"https:\/\/blog.urbanitae.com\/fr\/2025\/04\/27\/les-meilleurs-investissements-a-faible-risque-en-2025\/?utm_source=blog_fr&#038;utm_medium=organic&#038;utm_campaign=urbanitae_blog_0226&#038;utm_term=plus_value&#038;utm_content=fr_crowdfunding_inmobiliario_impuestos\" target=\"_blank\" rel=\"noreferrer noopener\">plus-value<\/a><\/strong> et s\u2019ajoute \u00e0 vos autres revenus de l\u2019\u00e9pargne pour \u00eatre impos\u00e9 selon la m\u00eame \u00e9chelle progressive.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Existe-t-il des d\u00e9ductions ou avantages fiscaux sp\u00e9cifiques ?<\/h2>\n\n\n\n<p>Contrairement \u00e0 certains produits comme les plans de retraite ou d\u2019autres placements, <strong>le crowdfunding immobilier ne b\u00e9n\u00e9ficie pas d\u2019une d\u00e9duction fiscale sp\u00e9cifique<\/strong> en IRPF en tant que tel. Il est impos\u00e9 comme tout revenu de l\u2019\u00e9pargne. Cependant :<br>Si vous \u00eates non-r\u00e9sident et percevez des revenus de source espagnole, vous pouvez \u00eatre soumis \u00e0 des <strong>retenues fixes selon votre situation et votre pays<\/strong>.<\/p>\n\n\n\n<p>Certains projets peuvent g\u00e9n\u00e9rer des d\u00e9penses qui <strong>r\u00e9duisent la base imposable<\/strong> si elles sont d\u00fbment justifi\u00e9es.<br>Il est recommand\u00e9 de <strong>lire attentivement la documentation fiscale fournie par chaque plateforme<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conseils pour bien d\u00e9clarer<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Conservez la documentation fiscale<\/h3>\n\n\n\n<p>Les plateformes fournissent g\u00e9n\u00e9ralement un <strong>certificat fiscal<\/strong> annuel avec les retenues et les revenus per\u00e7us. C\u2019est indispensable pour votre d\u00e9claration.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Classez correctement vos revenus<\/h3>\n\n\n\n<p>Il est important de distinguer :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Int\u00e9r\u00eats (revenus de capitaux mobiliers)<\/strong>.<\/li>\n\n\n\n<li><strong>Plus-values<\/strong>.<\/li>\n\n\n\n<li><strong>\u00c9ventuelles pertes compensables<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Envisagez un accompagnement professionnel<\/h3>\n\n\n\n<p>Compte tenu de la complexit\u00e9 de certains investissements (surtout \u00e0 l\u2019international ou structur\u00e9s via des <strong>SOCIMI<\/strong> ou d\u2019autres v\u00e9hicules), il peut \u00eatre judicieux de faire appel \u00e0 un <strong>conseiller fiscal \/ comptable<\/strong> sp\u00e9cialis\u00e9 en investissements.<\/p>\n\n\n\n<p>Investir en ma\u00eetrisant la fiscalit\u00e9 ne vous aide pas seulement \u00e0 <strong>respecter la loi<\/strong>, mais aussi \u00e0 <strong>optimiser vos gains<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Comprenez comment sont impos\u00e9s int\u00e9r\u00eats, plus-values, retenues et pertes du crowdfunding immobilier en Espagne et comment les d\u00e9clarer correctement.<\/p>\n","protected":false},"author":1,"featured_media":80009,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[832,1025],"tags":[1964,1887,987,1937,1008],"class_list":["post-79985","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-apprendre-a-investir","category-crowdfunding-inmobiliario-fr","tag-crowdfunding-immobilier","tag-inversion-inmobiliaria-fr","tag-logement","tag-sector-residencial-fr","tag-urbanitae-fr"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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