Le prêt immobilier commercial expliqué par Jimmy Parat

Jimmy Parat: prêt immobilier commercial

Emprunter pour l’immobilier commercial est différent d’un prêt au logement.
L’immobilier commercial est un bien productif de revenus utilisé uniquement à des fins commerciales (plutôt que résidentielles). Les explications de Jimmy Parat, spécialiste en immobilier.

Le rôle des banques et des préteurs indépendants

Jimmy Parat: rôle des banques

Jimmy Parat: rôle des banques

Tout comme dans le cas des prêts hypothécaires à l’habitation, les banques et les prêteurs indépendants participent activement à l’octroi de prêts immobiliers commerciaux.

Ici, Jimmy Parat examine les prêts immobiliers commerciaux, en quoi ils diffèrent des prêts résidentiels, leurs caractéristiques et ce que les prêteurs recherchent.

Particuliers contre entités

Alors que les prêts hypothécaires résidentiels sont habituellement consentis à des emprunteurs individuels, les prêts immobiliers commerciaux sont souvent consentis à des entités commerciales (p. ex. sociétés, promoteurs, sociétés en commandite, fonds et fiducies). Ces entités sont souvent constituées dans le but spécifique de posséder des biens immobiliers commerciaux.

Une entité peut ne pas avoir d’antécédents financiers ou de cote de crédit, auquel cas le prêteur peut exiger des mandants ou des propriétaires de l’entité qu’ils garantissent le prêt. Le prêteur dispose ainsi d’une personne (ou d’un groupe de personnes) ayant des antécédents en matière de crédit – et auprès de qui il peut se rétablir en cas de défaut de remboursement du prêt. Selon Jimmy Parat « Si ce type de garantie n’est pas exigé par le prêteur et que le bien est le seul moyen de recouvrement en cas de défaut de paiement, la dette est appelée prêt sans recours, ce qui signifie que le prêteur n’a aucun recours contre qui que ce soit d’autre que le bien ».

Calendriers de remboursement des prêts

Un prêt hypothécaire résidentiel est un type de prêt amorti dans lequel la dette est remboursée en versements réguliers sur une période de temps. Le produit hypothécaire résidentiel le plus populaire est l’hypothèque à taux fixe de 30 ans, mais les acheteurs résidentiels ont aussi d’autres options, notamment des hypothèques de 25 ans et de 15 ans. Les périodes d’amortissement plus longues impliquent généralement des paiements mensuels moins élevés et des frais d’intérêt totaux plus élevés pendant la durée du prêt, tandis que les périodes d’amortissement plus courtes impliquent généralement des paiements mensuels plus élevés et des frais d’intérêt totaux moins élevés.

Ratios prêt/valeur

Jimmy Parat : Ratios prêt/valeur

Jimmy Parat parle des ratios prêt et valeur

Une autre différence entre les prêts commerciaux et les prêts résidentiels réside dans le ratio prêt/valeur, un chiffre qui mesure la valeur d’un prêt par rapport à la valeur de la propriété.

Pour les prêts commerciaux et résidentiels, les emprunteurs dont le ratio prêt/valeur est inférieur pourront bénéficier de taux de financement plus favorables que ceux dont le ratio prêt/valeur est supérieur. La raison : Ils ont plus d’équité (ou de participation) dans la propriété, ce qui équivaut à moins de risque aux yeux du prêteur.

Taux d’intérêt et frais

Jimmy Parat souligne que les taux d’intérêt sur les prêts commerciaux sont généralement plus élevés que sur les prêts résidentiels. De plus, les prêts dans l’immobilier comportent habituellement des frais qui s’ajoutent au coût global du prêt, y compris les frais d’évaluation, les frais juridiques, les frais de demande de prêt, les frais de montage du prêt et les frais d’arpentage.

Certains coûts doivent être payés d’avance avant que le prêt ne soit approuvé (ou refusé), tandis que d’autres s’appliquent annuellement. Par exemple, un prêt peut comporter des frais de montage de prêt uniques de 1 %, exigibles au moment de la clôture, et des frais annuels de un quart de un pour cent (0,25 %) jusqu’à ce que le prêt soit entièrement payé. Un prêt d’un million de dollars, par exemple, pourrait nécessiter des frais de montage de prêt de 1 % équivalant à 10 000 € à payer à l’avance, avec des frais de 0,25 % de 2 500 € payés annuellement (en plus des intérêts).

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