Journal-Diagonale

 

A l’approche du Salon de l’Immobilier de Toulouse, Diagonale voulait en profiter pour vous épauler  pour vos envies de neuf, que ce soit pour construire votre maison ou les bons plans pour acheter votre appartement. Nous débuterons ce dossier par ce qui est considéré comme le rêve de la majorité des Français : construire, ou plutôt, faire construire sa maison. C’est l’assurance d’avoir  plus d’espaces, des pièces sur-mesure adaptées à vos besoins et un espace extérieur utilisable que ce soit en véranda, pergola ou jardin.

 

Faites vos comptes

Commencez par calculer votre budget en fonction de vos revenus et de vos économies. C’est le meilleur moyen pour ne pas être déçu et c’est ce qui définira vos possibilités en termes d’architecture, de plans, de matériaux, d’équipements et d’aménagements. Calculez votre capacité d’emprunts sachant que votre mensualité ne peut pas dépasser le tiers de vos revenus en déduisant de ceux-ci la mensualité de vos autres crédits.

Un conseil : gardez un peu de marge de manoeuvre financière pour faire face à d’éventuelles dépenses imprévues. Faites attention aux plans de financement trop tendus, qui peuvent vous mettre en difficulté en cas de dépenses inattendues.

 

Droit de mutation & taxes

FRAIS DE NOTAIRE

Acheter un terrain à bâtir, c’est bien sûr en payer le prix. Vous devrez aussi vous acquitter des frais de notaire. Ils comprennent les droits de mutation (5,80 % dans la plupart des départements), la rémunération du notaire, la contribution de sécurité immobilière et des dépenses liées à des formalités (obtention des extraits cadastraux par exemple). Au total comptez entre 7 et 8 % du prix du terrain pour l’ensemble de ces frais de notaire.

LA TAXE D’AMÉNAGEMENT

Elle est exigible dès que vous avez obtenu votre permis de construire. Elle se calcule à partir de la surface de plancher de votre maison (les 100 premiers mètres carrés ne sont pas pris en compte si vous bénéficiez d’un prêt à taux 0 %), en fonction d’un taux défini par la commune et le département. Pour évaluer la taxe, renseignez-vous au service des impôts de la commune. Elle doit être versée dans les douze mois qui suivent l’obtention du permis, en une seule fois si son montant est inférieur à 1.500 € et en deux fois pour les montants supérieurs. Cette taxe est détaillée sur le site www.service-public.fr.

 

Les frais techniques pour le terrain

LE TARIF POUR LA VIABILITÉ

dépend de la proximité de ces réseaux par rapport à la parcelle. A titre purement indicatif (chaque cas est particulier), comptez entre 7.000 et 15.000€. Vous l’aurez donc compris : renseignez-vous sur cette question avant de signer pour intégrer ces dépenses dans votre budget.

BORNAGE

Toujours pour les terrains isolés, vérifiez si le bornage est réalisé. Ce n’est pas le cas ? Vous devrez procéder à cette opération en recourant à un géomètre expert. Le coût moyen varie de 700 à 1.500 € selon la surface de la parcelle. Vous pourrez partager ces frais avec vos voisins. Le bornage est important. Il vous permet de connaître précisément les limites de votre propriété, ce qui est toujours utile pour entretenir de bonnes relations de voisinage.

L’ACCÈS AU CHANTIER

a un impact sur le prix du projet. S’il est simple, pas de problème. Mais si les artisans et les entreprises doivent porter les matériaux sur une longue distance faute de pouvoir garer les camions en limite de propriété, vous devrez prévoir des frais supplémentaires. Ils sont chiffrés au cas par cas.

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