{"id":2720,"date":"2020-06-26T20:20:00","date_gmt":"2020-06-27T00:20:00","guid":{"rendered":"https:\/\/frenchradar.com\/?p=2720"},"modified":"2023-12-09T10:06:01","modified_gmt":"2023-12-09T15:06:01","slug":"achat-etranger-quelles-questions","status":"publish","type":"post","link":"https:\/\/frenchradar.com\/achat-etranger-quelles-questions\/","title":{"rendered":"Achat immobilier \u00e0 l&#8217;\u00e9tranger : Les bonnes questions \u00e0 se poser"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"0-expatri%C3%A9-retrait%C3%A9-ou-investisseur-acheter-un-bien-immobilier-%C3%A0-l%E2%80%99%C3%A9tranger-est-un-acte-%C3%A0-ne-pas-prendre-%C3%A0-la-l%C3%A9g%C3%A8re-les-d%C3%A9marches-et-les-formalit%C3%A9s-sont-diff%C3%A9rentes-en-fonction-du-pays-il-est-donc-pr%C3%A9f%C3%A9rable-de-conna%C3%AEtre-les-r%C3%A8gles-avant-de-se-lancer\">Expatri\u00e9, retrait\u00e9 ou investisseur, acheter un bien immobilier \u00e0 l\u2019\u00e9tranger est un acte&nbsp;\u00e0 ne pas prendre \u00e0 la l\u00e9g\u00e8re. Les d\u00e9marches et les formalit\u00e9s sont diff\u00e9rentes en fonction du pays. Il est donc pr\u00e9f\u00e9rable de conna\u00eetre les r\u00e8gles avant de se lancer.<\/h2>\n\n\n<div class=\"wp-block-ub-table-of-contents-block ub_table-of-contents ub_table-of-contents-collapsed\" data-showtext=\"Montrer\" data-hidetext=\"Masquer\" data-scrolltype=\"auto\" id=\"ub_table-of-contents-e20537c2-1ae5-4044-a478-a45755bc2f34\" data-initiallyhideonmobile=\"true\"\n                    data-initiallyshow=\"false\"><div class=\"ub_table-of-contents-header-container\"><div class=\"ub_table-of-contents-header\">\n                    <div class=\"ub_table-of-contents-title\">Sommaire de l&#8217;article<\/div><div class=\"ub_table-of-contents-header-toggle\">\n                        <div class=\"ub_table-of-contents-toggle\">\n                        &nbsp;[<a class=\"ub_table-of-contents-toggle-link\" href=\"#\">Montrer<\/a>]<\/div><\/div><\/div><\/div><div class=\"ub_table-of-contents-extra-container\"><div class=\"ub_table-of-contents-container ub_table-of-contents-1-column ub-hide\"><ul><li><a href=https:\/\/frenchradar.com\/achat-etranger-quelles-questions\/#1-quelle-est-la-l%C3%A9gislation-locale->Quelle est la l\u00e9gislation locale ?<\/a><\/li><li><a href=https:\/\/frenchradar.com\/achat-etranger-quelles-questions\/#2-comment-financer-la-maison-de-ses-r%C3%AAves->Comment financer la maison de ses r\u00eaves ?<\/a><\/li><li><a href=https:\/\/frenchradar.com\/achat-etranger-quelles-questions\/#3-a-qui-s%E2%80%99adresser->A qui s\u2019adresser ?<\/a><\/li><li><a href=https:\/\/frenchradar.com\/achat-etranger-quelles-questions\/#4-les-diff%C3%A9rentes-taxes>Les diff\u00e9rentes taxes<\/a><\/li><\/ul><\/div><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"1-quelle-est-la-l%C3%A9gislation-locale-\">Quelle est la l\u00e9gislation locale ?<\/h3>\n\n\n\n<figure class=\"wp-block-image alignright\"><img decoding=\"async\" src=\"https:\/\/frenchradar.com\/wp-content\/uploads\/2021\/04\/illustration-acte-legal-justice-20161126.jpg\" alt=\"Illustration d&#039;un acte l\u00e9gal d&#039;achat devant la justice\" class=\"wp-image-7572\" title=\"\"><\/figure>\n\n\n\n<p>Avant toute chose, renseignez-vous sur <strong>la l\u00e9gislation en vigueur<\/strong> dans le pays o\u00f9 vous envisagez d\u2019acheter. Les r\u00e8gles juridiques en mati\u00e8re d\u2019achat immobilier et de droit \u00e0 la propri\u00e9t\u00e9 varient d\u2019un pays \u00e0 l\u2019autre. Il est essentiel de <strong>bien pr\u00e9parer son projet<\/strong> afin d\u2019\u00e9viter les pi\u00e8ges et les obstacles.<\/p>\n\n\n\n<p><strong>Acc\u00e8s \u00e0 la propri\u00e9t\u00e9 aux \u00e9trangers :<\/strong><\/p>\n\n\n\n<ul>\n<li>Aucune restriction en <strong>Angleterre<\/strong> : vous pouvez acheter comme les anglais.<\/li>\n\n\n\n<li>Aux <strong>Etats-Unis<\/strong> et au <strong>Canada<\/strong>, les ventes de biens immobiliers aux \u00e9trangers sont trait\u00e9es de la m\u00eame fa\u00e7on que pour les r\u00e9sidents.<\/li>\n\n\n\n<li>En <strong>Australie<\/strong>, toute demande d\u2019achat d\u2019un bien immobilier par un non-r\u00e9sident devra passer devant le <a href=\"https:\/\/firb.gov.au\/\" target=\"_blank\" rel=\"noopener noreferrer\"><em>Foreign Investment Review Board<\/em><\/a> (FIRB), un comit\u00e9 consultatif. Il faut compter 30 jours pour obtenir une r\u00e9ponse. D\u2019o\u00f9 la n\u00e9cessit\u00e9 d\u2019inclure dans le contrat d\u2019achat une clause stipulant que la vente aura lieu sous r\u00e9serve d\u2019acceptation de la FIRB.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-comment-financer-la-maison-de-ses-r%C3%AAves-\">Comment financer la maison de ses r\u00eaves ?<\/h3>\n\n\n\n<figure class=\"wp-block-image alignleft\"><img decoding=\"async\" src=\"https:\/\/frenchradar.com\/wp-content\/uploads\/2021\/04\/financement-achat-immobilier-international-20161126.jpg\" alt=\"Illustration financement d&#039;un achat immobilier \u00e0 l&#039;international\" class=\"wp-image-7573\" title=\"\"><\/figure>\n\n\n\n<p>Vous avez enfin trouv\u00e9 la maison ou l\u2019appartement de vos r\u00eaves. Comment allez-vous financer cet achat ? Si vous n\u2019\u00eates pas d\u00e9j\u00e0 propri\u00e9taire en France, il sera difficile d\u2019emprunter aupr\u00e8s d\u2019une banque fran\u00e7aise. En effet, il s\u2019agit d\u2019une op\u00e9ration risqu\u00e9e et le banquier a donc besoin de garanties.<\/p>\n\n\n\n<p>L\u2019hypoth\u00e8que sur votre bien en France, mais aussi un portefeuille d\u2019actions, un plan d\u2019\u00e9pargne en actions (PEA), ou encore un contrat d\u2019assurance vie peuvent \u00eatre propos\u00e9s en gage. Mais il faut que leur valeur \u00e9quivaille \u00e0 la somme que vous souhaitez emprunter.<\/p>\n\n\n\n<p>L\u2019obtention d\u2019un cr\u00e9dit aupr\u00e8s d\u2019une <strong>banque locale<\/strong> est possible, mais sachez qu\u2019en tant qu\u2019\u00e9tranger, vous aurez moins de facilit\u00e9s et les <strong>taux d\u2019int\u00e9r\u00eat<\/strong> propos\u00e9s seront <strong>plus \u00e9lev\u00e9s<\/strong>. Par ailleurs, un <strong>apport cons\u00e9quent<\/strong> vous sera demand\u00e9 (30 \u00e0 50%).<\/p>\n\n\n\n<p>Si ce n\u2019est pas d\u00e9j\u00e0 fait, pensez \u00e0 ouvrir un compte bancaire dans le pays de l\u2019achat. En g\u00e9n\u00e9ral, l\u2019achat s\u2019effectue dans la devise du pays.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Le saviez-vous ? &nbsp;<a href=\"https:\/\/frenchradar.com\/la-communaute-francaise-au-royaume-uni\/\" rel=\"noopener noreferrer\">La communaut\u00e9 fran\u00e7aise \u00e0 Londres<\/a>&nbsp;repr\u00e9sente la 2<sup>nde<\/sup> nationalit\u00e9 d\u2019acheteurs de biens immobiliers apr\u00e8s les anglais. <a href=\"https:\/\/frenchradar.com\/la-communaute-francaise-aux-etats-unis\/\">La communaut\u00e9 fran\u00e7aise aux Etats-Unis<\/a>&nbsp;est&nbsp;la 2<sup>nde<\/sup> communaut\u00e9 \u00e9trang\u00e8re \u00e0 acheter, derri\u00e8re les canadiens.<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-a-qui-s%E2%80%99adresser-\">A qui s\u2019adresser ?<\/h3>\n\n\n\n<figure class=\"wp-block-image alignright\"><img decoding=\"async\" src=\"https:\/\/frenchradar.com\/wp-content\/uploads\/2021\/04\/agent-immobilier-real-estate-frenchradar.jpg\" alt=\"Agent immobilier souriant pr\u00e9sentant un jeu de cl\u00e9s\" class=\"wp-image-15663\" title=\"\"><\/figure>\n\n\n\n<p>L\u2019id\u00e9al pour acheter un bien \u00e0 l\u2019\u00e9tranger est de passer par des <strong>agences sp\u00e9cialis\u00e9es<\/strong> ou une <strong>agence immobili\u00e8re locale<\/strong>. Elles connaissent le march\u00e9, peuvent vous conseiller et vous mettre en relation avec des professionnels (avocats, notaires,&#8230;). Consultez l&#8217;<a href=\"https:\/\/frenchradar.com\/annuaire-pro-francophone\/\" title=\"Annuaire Pro\">Annuaire Pro French Radar<\/a> pour trouvez celle \u00e0 proximit\u00e9 du bien convoit\u00e9.<\/p>\n\n\n\n<p>Aux Etats-Unis, ce sont <strong>les avocats<\/strong> qui g\u00e8rent les ventes de biens immobiliers. Une fois votre offre d\u2019achat accept\u00e9e, l\u2018avocat r\u00e9dige le contrat de vente qui \u00e9nonce le prix d&#8217;acquisition, la date de signature de l&#8217;acte, la date d&#8217;entr\u00e9e dans le logement, et peut inclure d&#8217;\u00e9ventuelles conditions suspensives. Sa r\u00e9daction prend entre 3 et 5 jours.<\/p>\n\n\n\n<p>Au Canada, vous devez recourir aux services d\u2019<strong>un notaire<\/strong> ou d\u2019<strong>un avocat<\/strong>.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Conseils : Pensez \u00e0 la revente. Choisissez un quartier agr\u00e9able et s\u00fbr, proche des \u00e9coles et des commerces, bien desservi par les transports, etc\u2026 L\u2019emplacement est primordial.<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"4-les-diff%C3%A9rentes-taxes\">Les diff\u00e9rentes taxes<\/h3>\n\n\n\n<figure class=\"wp-block-image alignleft\"><img decoding=\"async\" src=\"https:\/\/frenchradar.com\/wp-content\/uploads\/2021\/04\/illustration-agent-immobilier-20161126.jpg\" alt=\"Illustration d&#039;un agent immobilier souriant devant une maison vendue\" class=\"wp-image-7580\" title=\"\"><\/figure>\n\n\n\n<p>En Angleterre, il faut s\u2019acquitter de la \u00ab <em><a href=\"https:\/\/www.gov.uk\/stamp-duty-land-tax\/overview\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" title=\"stamp duty land tax\">stamp duty land tax<\/a><\/em> \u00bb, une taxe qui varie en fonction de la valeur du bien.<\/p>\n\n\n\n<p>Aux Etats-Unis, les propri\u00e9taires doivent payer annuellement la \u00ab <em><a href=\"https:\/\/en.wikipedia.org\/wiki\/Property_tax\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" title=\"property tax\">property tax<\/a><\/em> \u00bb \u00e0 la municipalit\u00e9. Cette taxe correspond entre 1 et 2% de la valeur marchande du bien.<\/p>\n\n\n\n<p>Toujours aux Etats-Unis, vous devrez vous acquitter de la \u00ab <em><a href=\"https:\/\/www.irs.gov\/individuals\/international-taxpayers\/firpta-withholding\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" title=\"Foreign Investment in Real Property Tax Act\">Foreign Investment in Real Property Tax Act<\/a><\/em> \u00bb (FIRPTA), une taxe per\u00e7ue sur l\u2019acquisition ou la vente de tout bien immobilier par un \u00e9tranger. Le jour de la vente, le fisc am\u00e9ricain vous oblige \u00e0 d\u00e9poser 10% du montant total sur un compte s\u00e9questre pour la r\u00e9gler.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Le saviez-vous ?<br>La France a sign\u00e9 des conventions fiscales avec de nombreux pays parmi lesquels l\u2019Australie, les Etats-Unis, le Canada et le Royaume-Uni. Cela vous \u00e9vite une double imposition.<\/p>\n<\/blockquote>\n\n\n\n<p>N\u2019oubliez pas qu\u2019acheter un bien immobilier \u00e0 l\u2019\u00e9tranger ne se fait pas sans r\u00e9fl\u00e9chir. Renseignez-vous en amont et n\u2019h\u00e9sitez pas \u00e0 demander conseil \u00e0 un professionnel avant de prendre une d\u00e9cision.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Expat, retrait\u00e9 ou investisseur, acheter un bien immobilier \u00e0 l\u2019\u00e9tranger est un acte\u00a0\u00e0 ne pas prendre \u00e0 la l\u00e9g\u00e8re. Pr\u00e9parez votre investissement immo en amont.<\/p>\n","protected":false},"author":26,"featured_media":2715,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","ub_ctt_via":"","site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[503],"tags":[],"featured_image_src":"https:\/\/frenchradar.com\/wp-content\/uploads\/2021\/04\/agent-immobilier-clients-agence-20161126.jpg","author_info":{"display_name":"La R\u00e9daction","author_link":"https:\/\/frenchradar.com\/author\/admin\/"},"uagb_featured_image_src":{"full":["https:\/\/frenchradar.com\/wp-content\/uploads\/2021\/04\/agent-immobilier-clients-agence-20161126.jpg",950,500,false],"thumbnail":["https:\/\/frenchradar.com\/wp-content\/uploads\/2021\/04\/agent-immobilier-clients-agence-20161126-150x150.jpg",150,150,true],"medium":["https:\/\/frenchradar.com\/wp-content\/uploads\/2021\/04\/agent-immobilier-clients-agence-20161126-300x158.jpg",300,158,true],"medium_large":["https:\/\/frenchradar.com\/wp-content\/uploads\/2021\/04\/agent-immobilier-clients-agence-20161126-768x404.jpg",768,404,true],"large":["https:\/\/frenchradar.com\/wp-content\/uploads\/2021\/04\/agent-immobilier-clients-agence-20161126.jpg",950,500,false],"1536x1536":["https:\/\/frenchradar.com\/wp-content\/uploads\/2021\/04\/agent-immobilier-clients-agence-20161126.jpg",950,500,false],"2048x2048":["https:\/\/frenchradar.com\/wp-content\/uploads\/2021\/04\/agent-immobilier-clients-agence-20161126.jpg",950,500,false]},"uagb_author_info":{"display_name":"La R\u00e9daction","author_link":"https:\/\/frenchradar.com\/author\/admin\/"},"uagb_comment_info":0,"uagb_excerpt":"Expat, retrait\u00e9 ou investisseur, acheter un bien immobilier \u00e0 l\u2019\u00e9tranger est un acte\u00a0\u00e0 ne pas prendre \u00e0 la l\u00e9g\u00e8re. Pr\u00e9parez votre investissement immo en amont.","_links":{"self":[{"href":"https:\/\/frenchradar.com\/wp-json\/wp\/v2\/posts\/2720"}],"collection":[{"href":"https:\/\/frenchradar.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/frenchradar.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/frenchradar.com\/wp-json\/wp\/v2\/users\/26"}],"replies":[{"embeddable":true,"href":"https:\/\/frenchradar.com\/wp-json\/wp\/v2\/comments?post=2720"}],"version-history":[{"count":1,"href":"https:\/\/frenchradar.com\/wp-json\/wp\/v2\/posts\/2720\/revisions"}],"predecessor-version":[{"id":37023,"href":"https:\/\/frenchradar.com\/wp-json\/wp\/v2\/posts\/2720\/revisions\/37023"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/frenchradar.com\/wp-json\/wp\/v2\/media\/2715"}],"wp:attachment":[{"href":"https:\/\/frenchradar.com\/wp-json\/wp\/v2\/media?parent=2720"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/frenchradar.com\/wp-json\/wp\/v2\/categories?post=2720"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/frenchradar.com\/wp-json\/wp\/v2\/tags?post=2720"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}