{"id":6731,"date":"2025-09-23T16:00:28","date_gmt":"2025-09-23T14:00:28","guid":{"rendered":"https:\/\/www.wellfin.be\/?p=6731"},"modified":"2025-09-18T09:38:04","modified_gmt":"2025-09-18T07:38:04","slug":"reforme-arizona-en-belgique-fin-de-la-deduction","status":"publish","type":"post","link":"https:\/\/www.wellfin.be\/fr\/reforme-arizona-en-belgique-fin-de-la-deduction\/","title":{"rendered":"R\u00e9forme Arizona en Belgique : fin de la d\u00e9duction des int\u00e9r\u00eats pour les multipropri\u00e9taires \u2013 impacts et strat\u00e9gies"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"6731\" class=\"elementor elementor-6731\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f3f398c e-flex e-con-boxed e-con e-parent\" data-id=\"f3f398c\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-adcdfbe elementor-widget elementor-widget-text-editor\" data-id=\"adcdfbe\" data-element_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 class=\"p1\">Le paysage fiscal belge a r\u00e9cemment \u00e9t\u00e9 boulevers\u00e9 par l&rsquo;adoption de la r\u00e9forme Arizona, une mesure gouvernementale qui met fin \u00e0 la d\u00e9duction des int\u00e9r\u00eats ordinaires pour les multipropri\u00e9taires. Cette d\u00e9cision marque un tournant majeur pour les investisseurs immobiliers, qui voyaient dans cet avantage fiscal un levier strat\u00e9gique pour optimiser la rentabilit\u00e9 de leurs biens.<\/p><p>\u00a0<\/p><p class=\"p1\">Jusqu&rsquo;\u00e0 pr\u00e9sent, la possibilit\u00e9 de d\u00e9duire les int\u00e9r\u00eats d&#8217;emprunt li\u00e9s \u00e0 des biens autres que la r\u00e9sidence principale constituait un atout consid\u00e9rable. Elle permettait de r\u00e9duire la charge fiscale et d&rsquo;am\u00e9liorer le rendement net des investissements. Cependant, avec l&rsquo;entr\u00e9e en vigueur de cette r\u00e9forme, ce m\u00e9canisme dispara\u00eet, obligeant les investisseurs \u00e0 repenser leurs strat\u00e9gies patrimoniales.<\/p><p>\u00a0<\/p><p class=\"p1\">Dans cet article, nous analyserons les implications de cette r\u00e9forme, son impact sur les portefeuilles immobiliers et les solutions envisageables pour s&rsquo;adapter \u00e0 ce nouveau cadre fiscal.<\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1c1f75d e-flex e-con-boxed e-con e-parent\" data-id=\"1c1f75d\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a125380 elementor-widget elementor-widget-spacer\" data-id=\"a125380\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7567e6d elementor-widget elementor-widget-heading\" data-id=\"7567e6d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Qu\u2019est-ce que la d\u00e9duction des int\u00e9r\u00eats ordinaires et comment fonctionnait-elle ?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6beb6b9 e-flex e-con-boxed e-con e-parent\" data-id=\"6beb6b9\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78f3c73 elementor-widget elementor-widget-spacer\" data-id=\"78f3c73\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9855d7 elementor-widget elementor-widget-text-editor\" data-id=\"c9855d7\" data-element_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 class=\"p1\">La d\u00e9duction des int\u00e9r\u00eats ordinaires \u00e9tait un m\u00e9canisme fiscal permettant aux propri\u00e9taires d\u2019un bien immobilier (hors habitation propre et unique) de d\u00e9duire fiscalement les int\u00e9r\u00eats pay\u00e9s sur un emprunt hypoth\u00e9caire.<br \/><br \/><\/p><p class=\"p1\">Prenons un exemple concret :<br \/><br \/><\/p><ul class=\"ul1\"><li class=\"li1\">Vous achetiez un appartement \u00e0 Bruxelles pour 300 000 \u20ac, financ\u00e9 \u00e0 80 % par un cr\u00e9dit hypoth\u00e9caire.<br \/><br \/><\/li><li class=\"li1\">Les int\u00e9r\u00eats annuels s\u2019\u00e9levaient \u00e0 6 000 \u20ac.<br \/><br \/><\/li><li class=\"li1\">Gr\u00e2ce \u00e0 la d\u00e9duction, vous pouviez imputer ces int\u00e9r\u00eats sur vos revenus immobiliers imposables, r\u00e9duisant ainsi votre base fiscale et, in fine, votre imp\u00f4t \u00e0 payer.<br \/><br \/><\/li><\/ul><p class=\"p1\">Ce syst\u00e8me rendait l\u2019investissement locatif plus attractif, car il permettait d\u2019absorber une partie du co\u00fbt du financement par l\u2019\u00e9conomie d\u2019imp\u00f4t g\u00e9n\u00e9r\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4d5d859 e-flex e-con-boxed e-con e-parent\" data-id=\"4d5d859\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bb9430c elementor-widget elementor-widget-spacer\" data-id=\"bb9430c\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01bed5a elementor-widget elementor-widget-heading\" data-id=\"01bed5a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Que change la r\u00e9forme Arizona ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cb2e824 e-con-full e-flex e-con e-child\" data-id=\"cb2e824\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a09627f elementor-widget elementor-widget-spacer\" data-id=\"a09627f\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3746de1 e-flex e-con-boxed e-con e-parent\" data-id=\"3746de1\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1224488 elementor-widget elementor-widget-text-editor\" data-id=\"1224488\" data-element_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 class=\"p1\">La r\u00e9forme Arizona pr\u00e9voit la suppression pure et simple de la d\u00e9duction des int\u00e9r\u00eats ordinaires pour les multipropri\u00e9taires.<br \/><br \/><\/p><p class=\"p1\">En clair, d\u00e8s l\u2019entr\u00e9e en vigueur de la mesure :<br \/><br \/><\/p><ul class=\"ul1\"><li class=\"li1\">Les propri\u00e9taires de plusieurs biens immobiliers ne pourront plus d\u00e9duire les int\u00e9r\u00eats li\u00e9s \u00e0 leurs cr\u00e9dits hypoth\u00e9caires.<br \/><br \/><\/li><li class=\"li1\">La mesure vise principalement les r\u00e9sidences secondaires et les biens donn\u00e9s en location.<br \/><br \/><\/li><li class=\"li1\">La r\u00e9sidence principale reste, quant \u00e0 elle, encadr\u00e9e par d\u2019autres dispositifs (d\u00e9ductions r\u00e9gionales sp\u00e9cifiques).<br \/><br \/><\/li><\/ul><p class=\"p1\">L\u2019objectif affich\u00e9 par le gouvernement est double :<br \/><br \/><\/p><ol class=\"ol1\"><li class=\"li1\">Augmenter les recettes fiscales, en supprimant un avantage consid\u00e9r\u00e9 comme co\u00fbteux pour l\u2019\u00c9tat.<br \/><br \/><\/li><li class=\"li1\">R\u00e9\u00e9quilibrer le march\u00e9 immobilier, en limitant les incitations \u00e0 la multipropri\u00e9t\u00e9 dans un contexte de tension sur l\u2019acc\u00e8s au logement.<\/li><\/ol><p class=\"p1\">\u00a0<\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-99192b4 e-flex e-con-boxed e-con e-parent\" data-id=\"99192b4\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a810197 elementor-widget elementor-widget-spacer\" data-id=\"a810197\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2da87e8 elementor-widget elementor-widget-heading\" data-id=\"2da87e8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quand la mesure entre-t-elle en vigueur et qui est concern\u00e9 ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c6c6ecc e-flex e-con-boxed e-con e-parent\" data-id=\"c6c6ecc\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5defda3 elementor-widget elementor-widget-spacer\" data-id=\"5defda3\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-186a758 elementor-widget elementor-widget-text-editor\" data-id=\"186a758\" data-element_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 class=\"p1\">La suppression de la d\u00e9duction des int\u00e9r\u00eats entrera en vigueur d\u00e8s l\u2019exercice d\u2019imposition suivant l\u2019adoption d\u00e9finitive de la r\u00e9forme Arizona. Autrement dit, les d\u00e9clarations fiscales portant sur les revenus immobiliers de l\u2019ann\u00e9e prochaine ne pourront plus inclure cette d\u00e9duction.<br \/><br \/><\/p><p class=\"p1\"><b>Sont concern\u00e9s les propri\u00e9taires qui ont financ\u00e9 :<br \/><br \/><\/b><b><\/b><\/p><ul class=\"ul1\"><li class=\"li1\">Une r\u00e9sidence secondaire.<br \/><br \/><\/li><li class=\"li1\">Un ou plusieurs biens locatifs destin\u00e9 \u00e0 l\u2019usage priv\u00e9 ou professionnel.<br \/><br \/><\/li><\/ul><p>\u00a0<\/p><p class=\"p1\"><b>Ne sont pas concern\u00e9s : <\/b>Les propri\u00e9taires occupants de leur habitation unique, qui restent soumis aux r\u00e8gles fiscales r\u00e9gionales (bonus logement supprim\u00e9 en Flandre et Bruxelles, mais encore pr\u00e9sent sous certaines conditions en Wallonie).<\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-58c8103 e-flex e-con-boxed e-con e-parent\" data-id=\"58c8103\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8c38d8d elementor-widget elementor-widget-spacer\" data-id=\"8c38d8d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e82691e elementor-widget elementor-widget-heading\" data-id=\"e82691e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quels sont les impacts financiers pour les investisseurs ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a122b38 e-flex e-con-boxed e-con e-parent\" data-id=\"a122b38\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ee944f elementor-widget elementor-widget-spacer\" data-id=\"2ee944f\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1543455 elementor-widget elementor-widget-text-editor\" data-id=\"1543455\" data-element_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 class=\"p1\">L\u2019effet le plus direct est une augmentation du co\u00fbt net du cr\u00e9dit immobilier. Les investisseurs ne pourront plus \u201cneutraliser\u201d une partie des int\u00e9r\u00eats via l\u2019imp\u00f4t.<br \/><br \/><\/p><p class=\"p1\">Exemple :<br \/><br \/><\/p><ul class=\"ul1\"><li class=\"li1\"><b>Avant r\u00e9forme :<\/b> un multipropri\u00e9taire payait 6.000 \u20ac d\u2019int\u00e9r\u00eats annuels. Gr\u00e2ce \u00e0 la d\u00e9duction, il pouvait \u00e9conomiser 3.000 \u20ac d\u2019imp\u00f4t \u00e0 la marge.<br \/><br \/><\/li><li class=\"li1\"><b>Apr\u00e8s r\u00e9forme :<\/b> la charge nette reste de 6 000 \u20ac, sans r\u00e9duction fiscale.<br \/><br \/><\/li><\/ul><p class=\"p1\">Cela se traduit par :<br \/><br \/><\/p><ul class=\"ul1\"><li class=\"li1\">Une diminution du rendement locatif net.<br \/><br \/><\/li><li class=\"li1\">Une tr\u00e9sorerie plus tendue, surtout pour les investisseurs ayant plusieurs cr\u00e9dits en cours.<br \/><br \/><\/li><li class=\"li1\">Une moindre attractivit\u00e9 de l\u2019investissement immobilier financ\u00e9 par emprunt.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-948a98f elementor-widget elementor-widget-spacer\" data-id=\"948a98f\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e0545c elementor-widget elementor-widget-heading\" data-id=\"9e0545c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quelles cons\u00e9quences pour le march\u00e9 immobilier ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eeb6d61 e-flex e-con-boxed e-con e-parent\" data-id=\"eeb6d61\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e0a7ee3 elementor-widget elementor-widget-spacer\" data-id=\"e0a7ee3\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb4becb elementor-widget elementor-widget-text-editor\" data-id=\"cb4becb\" data-element_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 class=\"p1\">Les effets de la r\u00e9forme Arizona pourraient \u00eatre multiples :<br \/><br \/><\/p><ol><li><b>Baisse de la demande d\u2019investissement locatif<br \/><br \/><\/b><b><\/b>Certains investisseurs, d\u00e9courag\u00e9s par la fin de l\u2019avantage fiscal, pourraient r\u00e9duire leurs achats, freinant la dynamique du march\u00e9.<br \/><br \/><\/li><li><b>Pression sur les loyers<br \/><br \/><\/b><b><\/b>Avec des charges financi\u00e8res plus lourdes, une partie des multipropri\u00e9taires pourrait chercher \u00e0 r\u00e9percuter ce surco\u00fbt sur les loyers, accentuant la tension pour les locataires.<br \/><br \/><\/li><li><b>Stabilisation, voire l\u00e9g\u00e8re baisse des prix immobiliers<br \/><br \/><\/b><b><\/b>La demande des investisseurs \u00e9tant frein\u00e9e, cela pourrait mod\u00e9rer la hausse des prix dans certaines zones, notamment urbaines.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0ebe29 elementor-widget elementor-widget-spacer\" data-id=\"d0ebe29\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3911c6 elementor-widget elementor-widget-heading\" data-id=\"f3911c6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Existe-t-il des exceptions ou alternatives fiscales ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a5d61ab e-con-full e-flex e-con e-child\" data-id=\"a5d61ab\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a77a3ed elementor-widget elementor-widget-spacer\" data-id=\"a77a3ed\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26a1c49 elementor-widget elementor-widget-text-editor\" data-id=\"26a1c49\" data-element_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 class=\"p1\">\u00c0 ce stade, la r\u00e9forme ne pr\u00e9voit pas de grandes exceptions. Toutefois :<br \/><br \/><\/p><ul class=\"ul1\"><li class=\"li1\">Certains dispositifs r\u00e9gionaux relatifs \u00e0 l\u2019habitation propre et unique restent en vigueur.<br \/><br \/><\/li><li class=\"li1\">Certains pr\u00eats \u201cverts\u201d ou li\u00e9s \u00e0 la r\u00e9novation \u00e9nerg\u00e9tique pourraient b\u00e9n\u00e9ficier de conditions fiscales avantageuses, en lien avec les objectifs climatiques de l\u2019\u00c9tat.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-869a544 elementor-widget elementor-widget-spacer\" data-id=\"869a544\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c35763 elementor-widget elementor-widget-heading\" data-id=\"8c35763\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quelles strat\u00e9gies adopter pour s\u2019adapter \u00e0 la r\u00e9forme ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19e6219 elementor-widget elementor-widget-spacer\" data-id=\"19e6219\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1b6bd4 elementor-widget elementor-widget-text-editor\" data-id=\"e1b6bd4\" data-element_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 class=\"p1\">Face \u00e0 cette nouvelle donne, plusieurs pistes s\u2019offrent aux multipropri\u00e9taires et investisseurs :<br \/><br \/><\/p><ol><li><b>R\u00e9\u00e9valuer la structure de financement<br \/><br \/><\/b><b><\/b>Accentuer la mise de fonds propres pour r\u00e9duire la d\u00e9pendance au cr\u00e9dit.<br \/>Arbitrer entre remboursement anticip\u00e9 et maintien du levier financier.<br \/><br \/><\/li><li><b>Diversifier son patrimoine<br \/><br \/><\/b><b><\/b>R\u00e9\u00e9quilibrer vers d\u2019autres classes d\u2019actifs (actions, obligations, assurances-vie, etc.).<br \/>Explorer l\u2019investissement immobilier indirect (SIR, SCPI).<br \/><br \/><\/li><li><b>Optimiser la fiscalit\u00e9 autrement<br \/><br \/><\/b><b><\/b>Utiliser les soci\u00e9t\u00e9s de gestion patrimoniale pour structurer ses investissements.<br \/>Profiter des incitants fiscaux li\u00e9s \u00e0 la performance \u00e9nerg\u00e9tique.<br \/><br \/><\/li><li><b>Repenser la strat\u00e9gie locative<br \/><br \/><\/b><b><\/b>Miser sur des biens \u00e0 forte valeur ajout\u00e9e (logements \u00e9tudiants, coliving, r\u00e9sidences-services).<br \/>Am\u00e9liorer la rentabilit\u00e9 par la r\u00e9novation et la valorisation \u00e9nerg\u00e9tique.<\/li><\/ol>\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3118ba9 e-flex e-con-boxed e-con e-parent\" data-id=\"3118ba9\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a92dd3 elementor-widget elementor-widget-spacer\" data-id=\"5a92dd3\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28b1950 elementor-widget elementor-widget-heading\" data-id=\"28b1950\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quels sont les risques et points de vigilance ?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-921537d elementor-widget elementor-widget-spacer\" data-id=\"921537d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99a0645 elementor-widget elementor-widget-text-editor\" data-id=\"99a0645\" data-element_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<ul class=\"ul1\"><li class=\"li1\"><b>Risque de tr\u00e9sorerie<\/b> : des investisseurs fortement endett\u00e9s peuvent voir leur marge de man\u0153uvre r\u00e9duite.<br \/><br \/><\/li><li class=\"li1\"><b>Risque fiscal<\/b> : le cadre peut encore \u00e9voluer, il est donc essentiel de rester attentif aux circulaires d\u2019application.<br \/><br \/><\/li><li class=\"li1\"><b>Risque de march\u00e9<\/b> : hausse potentielle des loyers, volatilit\u00e9 des prix.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-649e693 elementor-widget elementor-widget-spacer\" data-id=\"649e693\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9615fda e-flex e-con-boxed e-con e-parent\" data-id=\"9615fda\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ffeec82 elementor-widget elementor-widget-spacer\" data-id=\"ffeec82\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-162da6f elementor-widget elementor-widget-heading\" data-id=\"162da6f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclusion<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cce3664 elementor-widget elementor-widget-spacer\" data-id=\"cce3664\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f18228 elementor-widget elementor-widget-text-editor\" data-id=\"9f18228\" data-element_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 class=\"p1\">La r\u00e9forme Arizona marque une \u00e9tape importante dans la fiscalit\u00e9 immobili\u00e8re en Belgique. En supprimant la d\u00e9duction des int\u00e9r\u00eats ordinaires pour les multipropri\u00e9taires, l\u2019\u00c9tat met fin \u00e0 un avantage qui avait longtemps favoris\u00e9 l\u2019investissement locatif financ\u00e9 par emprunt.<br \/><br \/><\/p><p class=\"p1\">Pour les investisseurs, l\u2019enjeu est d\u00e9sormais clair : adapter sa strat\u00e9gie patrimoniale afin de pr\u00e9server la rentabilit\u00e9 et l\u2019\u00e9quilibre de son portefeuille.<br \/><br \/><\/p><p class=\"p1\">Dans ce contexte, l\u2019accompagnement par un conseiller en gestion de patrimoine s\u2019av\u00e8re plus que jamais indispensable pour :<br \/><br \/><\/p><ul class=\"ul1\"><li class=\"li1\">Analyser l\u2019impact concret sur votre situation.<br \/><br \/><\/li><li class=\"li1\">Identifier les leviers d\u2019optimisation possibles.<br \/><br \/><\/li><li class=\"li1\">Mettre en place une strat\u00e9gie adapt\u00e9e et p\u00e9renne.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0c005cb e-con-full e-flex e-con e-child\" data-id=\"0c005cb\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8a732c3 elementor-widget elementor-widget-spacer\" data-id=\"8a732c3\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c1899b elementor-widget elementor-widget-text-editor\" data-id=\"5c1899b\" data-element_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>D\u00e9couvrez les autres articles sur notre page <a href=\"https:\/\/www.linkedin.com\/company\/wellfin\/\" target=\"_blank\" rel=\"noopener\">Linkedin<\/a> ou sur <a href=\"https:\/\/www.wellfin.be\/fr\/actualites\/\">notre site web<\/a> !\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9ee3da elementor-widget elementor-widget-spacer\" data-id=\"d9ee3da\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>R\u00e9duction des droits d&rsquo;enregistrement pour l&rsquo;acquisition d&rsquo;une habitation principale en R\u00e9gion Wallonne.<\/p>\n","protected":false},"author":1,"featured_media":6735,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42],"tags":[],"class_list":["post-6731","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fiscalite"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - 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