{"id":7666,"date":"2018-08-19T12:54:50","date_gmt":"2018-08-19T10:54:50","guid":{"rendered":"http:\/\/www.mafuturemaison.fr\/dossier\/?p=7666"},"modified":"2019-02-14T17:11:01","modified_gmt":"2019-02-14T16:11:01","slug":"faire-construire-grace-a-la-tontine","status":"publish","type":"post","link":"https:\/\/www.mafuturemaison.fr\/dossier\/construire\/faire-construire-grace-a-la-tontine\/","title":{"rendered":"Faire construire sa maison gr\u00e2ce \u00e0 la tontine"},"content":{"rendered":"<p><strong><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-thumbnail wp-image-1399\" src=\"https:\/\/www.mafuturemaison.fr\/dossier\/wp-content\/uploads\/2012\/06\/jeune_couple-150x150.jpg\" alt=\"tontine\" width=\"150\" height=\"150\" srcset=\"https:\/\/www.mafuturemaison.fr\/dossier\/wp-content\/uploads\/2012\/06\/jeune_couple-150x150.jpg 150w, https:\/\/www.mafuturemaison.fr\/dossier\/wp-content\/uploads\/2012\/06\/jeune_couple.jpg 199w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/>La tontine est un moyen peu r\u00e9pandu mais tout \u00e0 fait int\u00e9ressant pour financer la construction d\u2019une maison neuve.<\/strong> C\u2019est une question que peuvent se poser de simples concubins\u00a0: comment acheter ou plus exactement comment faire construire sa maison lorsqu\u2019on est ni mari\u00e9 ni pacs\u00e9\u00a0?<\/p>\n<h2>La tontine pour \u00e9viter l&rsquo;indivision<\/h2>\n<p>L\u2019indivision existe d\u00e8s que vous allez vouloir acqu\u00e9rir votre maison en commun. Vous serez propri\u00e9taire \u00e0 hauteur de l\u2019argent que vous apporterez et qui sera mentionn\u00e9 dans l\u2019acte de vente \u00e9tabli par le notaire.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-thumbnail wp-image-5338\" src=\"https:\/\/www.mafuturemaison.fr\/dossier\/wp-content\/uploads\/2016\/01\/indivision1-150x150.jpg\" alt=\"tontine\" width=\"150\" height=\"150\" srcset=\"https:\/\/www.mafuturemaison.fr\/dossier\/wp-content\/uploads\/2016\/01\/indivision1-150x150.jpg 150w, https:\/\/www.mafuturemaison.fr\/dossier\/wp-content\/uploads\/2016\/01\/indivision1-300x300.jpg 300w, https:\/\/www.mafuturemaison.fr\/dossier\/wp-content\/uploads\/2016\/01\/indivision1.jpg 600w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/>Mais il est bon de savoir que \u00ab\u00a0<strong>nul ne peut \u00eatre contraint \u00e0 rester dans l\u2019indivision<\/strong>\u00a0\u00bb, du coup, si un des propri\u00e9taires, appel\u00e9s \u00ab\u00a0indivisaires\u00a0\u00bb, souhaite vendre sa part, les autres doivent la racheter, sinon la maison sera vendue et l\u2019indivision d\u00e9mantel\u00e9e.<\/p>\n<h2>Les avantages de la tontine<\/h2>\n<p><strong>En cas de d\u00e9c\u00e8s<\/strong>, le survivant risque de se retrouver dans l\u2019indivision face aux h\u00e9ritiers.<\/p>\n<p><strong>La tontine, ou pacte tontinier permet d\u2019\u00e9viter l\u2019indivision<\/strong>: le concubin survivant sera consid\u00e9r\u00e9 comme l\u2019unique propri\u00e9taire du bien gr\u00e2ce \u00e0 l\u2019acte d\u2019acquisition qui le pr\u00e9voit il recouvrera la totale et pleine propri\u00e9t\u00e9 du bien et ceci de fa\u00e7on r\u00e9troactive.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-thumbnail wp-image-6315\" src=\"https:\/\/www.mafuturemaison.fr\/dossier\/wp-content\/uploads\/2016\/08\/siganture-2-150x150.jpg\" alt=\"tontine\" width=\"150\" height=\"150\" \/>Les h\u00e9ritiers du d\u00e9funt ne pourront pas s\u2019y opposer ni obliger le survivant \u00e0 vendre puisque la maison ne fait pas partie du patrimoine.<\/p>\n<p>Bien entendu, des <strong>droits de succession<\/strong> existent: ils sont en g\u00e9n\u00e9ral de 60% apr\u00e8s abattement, sauf dans le cas o\u00f9 la maison est consid\u00e9r\u00e9e comme une r\u00e9sidence principale des concubins et qu\u2019elle repr\u00e9sente une valeur inf\u00e9rieure \u00e0 76\u00a0000 \u20ac, dans ce cas seuls les droits de mutation seront exig\u00e9s par l\u2019administration fiscale.<\/p>\n<h2>Pr\u00e9cautions \u00e0 prendre avec la tontine<\/h2>\n<p><strong>Il convient bien \u00e9videmment d\u2019envisager l\u2019achat et la construction d\u2019une maison en tontine \u00e0 condition que les concubins participent \u00e0 parts \u00e9gales au financement et qu\u2019ils aient \u00e0 peu pr\u00e8s le m\u00eame \u00e2ge<\/strong>.<\/p>\n<p>Les conseils d\u2019un notaire sont indispensables pour que les conditions r\u00e9unies et \u00e9viter que la tontine soit requalifi\u00e9e en donation.<\/p>\n<p><strong>En cas de s\u00e9paration<\/strong> des concubins de leur vivant, par contre, la \u00ab\u00a0clause tontine\u00a0\u00bb est pr\u00e9vue dans l\u2019acte d\u2019achat, les lie de fa\u00e7on \u00e9troite\u00a0: ils ne peuvent ni r\u00e9silier la tontine ni vendre autrement que d\u2019un commun accord.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La tontine est un moyen peu r\u00e9pandu mais tout \u00e0 fait int\u00e9ressant pour financer la construction d\u2019une maison neuve. C\u2019est une question que peuvent se poser de simples concubins\u00a0: comment acheter ou plus exactement comment faire construire sa maison lorsqu\u2019on est ni mari\u00e9 ni pacs\u00e9\u00a0? La tontine pour \u00e9viter l&rsquo;indivision L\u2019indivision existe d\u00e8s que vous &hellip;<\/p>\n","protected":false},"author":1,"featured_media":4861,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,7,2,4],"tags":[548,280,204],"class_list":["post-7666","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-conseils-pour-faire-construire","category-construire","category-financer","tag-concubinage","tag-indivision","tag-maison-neuve"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Faire construire sa maison gr\u00e2ce \u00e0 la tontine - Ma Future Maison<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.mafuturemaison.fr\/dossier\/construire\/faire-construire-grace-a-la-tontine\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Faire construire sa maison gr\u00e2ce \u00e0 la tontine - Ma Future Maison\" \/>\n<meta property=\"og:description\" content=\"La tontine est un moyen peu r\u00e9pandu mais tout \u00e0 fait int\u00e9ressant pour financer la construction d\u2019une maison neuve. 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