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SCPI démembrement : les clés de répartitions en 2026
Le démembrement de SCPI s’impose comme une stratégie efficace pour optimiser son investissement immobilier, que ce soit pour percevoir des revenus immédiats ou préparer l’avenir. Au cœur de ce mécanisme, les clés de répartition jouent un rôle déterminant : elles fixent la valeur de l’usufruit et de la nue-propriété selon la durée choisie.
En 2026, ces clés évoluent dans un contexte économique en mutation, rendant leur lecture et leur comparaison essentielles pour identifier les meilleures opportunités. MeilleureSCPI.com vous éclaire sur les dernières clés de répartition actualisées pour investir en SCPI en démembrement temporaire fixe, intégrant les évolutions fiscales et de rendement observées récemment.
Le démembrement en SCPI expliqué
Le démembrement en SCPI est une forme d'investissement où le prix des parts est réparti selon des clés de valeur (appelées également clés de répartition). Celles-ci sont allouées entre l'usufruitier, qui jouit des revenus de ces parts, et le nu-propriétaire, qui en possède le capital sans bénéficier immédiatement des revenus. Cette technique juridique et fiscale sépare temporairement l'usufruit (perception des loyers) de la nue-propriété (propriété des parts), avec une durée fixe non modifiable après souscription, généralement de 3 à 20 ans, la période idéale se situant souvent entre 7 et 10 ans.
Les clés de répartitions nue-propriété/usufruit
La durée du démembrement temporaire fixe, pouvant s'étendre de 3 ans à 20 ans, est cruciale pour définir ces clés de répartition. En effet, chaque SCPI a ses propres clés, dépendant des particularités de la société de gestion de patrimoine immobilier et évoluant avec les rendements actuels. Les clés de valeur évoluent ainsi conjointement avec la période du démembrement en SCPI. Plus le rendement attendu est important – comme les 5,5 % à 6 % nets avant impôt observés récemment –, plus l'usufruitier sera prêt à payer une clé de répartition significative, offrant au nu-propriétaire une décote de l'ordre de 30 à 50 % selon la durée.
Tableau récapitulatif des clés de répartition
Produit | 3 ans | 4 ans | 5 ans | 6 ans | 7 ans | 8 ans | 9 ans | 10 ans | 11 ans | 12 ans | 13 ans | 14 ans | 15 ans | 16 ans | 17 ans | 18 ans | 19 ans | 20 ans |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
SCPI ActIvimmo | 86.50% | 82.00% | 78.00% | 75.00% | 72.00% | 70.00% | 67.00% | 65.00% | 63.50% | 62.50% | 60.50% | 59.00% | 58.00% | 57.00% | 56.00% | 55.00% | 54.00% | 53.00% |
SCPI Aestiam Agora | 88.00% | 84.00% | 80.50% | 77.50% | 74.50% | 72.00% | 70.00% | 68.00% | 66.00% | 64.00% | 62.50% | 61.00% | 60.00% | 59.50% | 59.00% | 58.50% | 58.00% | 57.50% |
SCPI Aestiam Cap'Hebergimmo | 88.50% | 85.00% | 81.50% | 78.50% | 76.00% | 73.50% | 71.00% | 69.00% | 67.00% | 65.50% | 64.00% | 62.50% | 61.00% | 60.50% | 60.00% | 59.50% | 59.00% | 58.50% |
SCPI Aestiam Horizon | 86.50% | 85.00% | 79.50% | 79.00% | 76.00% | 73.50% | 71.00% | 67.50% | 67.00% | 65.50% | 64.00% | 62.50% | 61.00% | 60.50% | 60.00% | 59.50% | 59.00% | 58.50% |
SCPI AEW Commerces Europe | 90.00% | 86.50% | 83.00% | 81.00% | 78.50% | 76.50% | 74.50% | 72.50% | 71.00% | 69.50% | 68.50% | 68.00% | 67.50% | 66.50% | 65.50% | 64.50% | 64.00% | 63.50% |
SCPI AEW Diversification Allemagne | 93.00% | 90.50% | 88.00% | 86.00% | 84.00% | 82.50% | 81.00% | 79.50% | 79.00% | 78.00% | 77.00% | 50.00% | 76.50% | 76.00% | 75.00% | 74.00% | 73.00% | 72.00% |
SCPI AEW Opportunités Europe | 88.50% | 85.50% | 82.00% | 79.50% | 76.50% | 74.50% | 72.50% | 70.50% | 69.50% | 68.50% | 67.50% | 66.50% | 65.50% | 64.50% | 63.50% | 62.50% | 61.50% | 60.50% |
SCPI Affinités Pierre | 89.00% | 85.00% | 82.00% | 79.00% | 76.00% | 74.00% | 71.50% | 68.50% | 67.50% | 66.00% | 65.00% | 63.00% | 60.00% | 59.00% | 58.00% | 57.00% | 56.00% | 55.00% |
SCPI Allianz Pierre | N/R | N/R | N/R | N/R | N/R | N/R | N/R | 71.00% | N/R | N/R | N/R | N/R | 62.00% | N/R | N/R | N/R | N/R | N/R |
SCPI Alta Convictions | 85.50% | 81.50% | 77.50% | 74.50% | 71.50% | 69.00% | 66.50% | 64.00% | 62.50% | 61.00% | 59.50% | 58.50% | 57.50% | 56.00% | 55.00% | 54.00% | 53.00% | 52.00% |
SCPI Altixia Cadence XII | 87.00% | 83.00% | 79.00% | 76.00% | 73.00% | 71.00% | 68.00% | 66.00% | 65.00% | 64.00% | 62.00% | 61.00% | 60.00% | 59.00% | 58.00% | 57.00% | 56.00% | 55.00 % |
SCPI Altixia Commerces | 87.50% | 83.50% | 79.50% | 76.50% | 73.50% | 71.50% | 68.50% | 66.50% | 65.50% | 64.50% | 63.50% | 62.50% | 61.50% | 60.50% | 59.50% | 58.50% | 57.50% | 56.50% |
SCPI Atout Pierre Diversification | 90.00% | 86.50% | 83.50% | 81.00% | 78.50% | 76.00% | 74.00% | 72.00% | 71.00% | 70.00% | 69.00% | 68.50% | 68.00% | 67.00% | 66.00% | 65.00% | 64.50% | 64.00% |
SCPI ATREAM Hotels | N/R | N/R | 81.50% | 78.50% | 75.50% | 73.50% | 71.00% | 69.00% | N/R | 66.00% | N/R | N/R | 63.00% | N/R | N/R | N/R | N/R | 59.00% |
SCPI Attraits Pierre | 89.00% | 85.00% | 82.00% | 79.00% | 76.00% | 74.00% | 71.50% | 68.50% | 67.50% | 66.00% | 65.00% | 63.00% | 60.00% | 59.00% | 58.00% | 57.00% | 56.00% | 55.00 % |
SCPI Buroboutic Métropoles | 88.00% | 84.50% | 80.00% | 77.50% | 75.00% | 72.50% | 70.50% | 68.00% | 66.50% | 65.00% | 63.50% | 62.00% | 61.00% | 60.00% | 59.00% | 58.50% | 57.50% | 56.50% |
SCPI CAP Foncieres & Territoires | 86.50% | 83.00% | 79.00% | 76.00% | 73.00% | 71.00% | 68.00% | 66.00% | 64.50% | 63.50% | 62.50% | 61.50% | 60.00% | 59.00% | 58.00% | 57.00% | 56.50% | 56.00% |
SCPI Coeur d'Avenir | 87.50% | 85.00% | 80.00% | 78.00% | 75.00% | 72.50% | 70.00% | 68.00% | 66.00% | 64.50% | 64.00% | 63.00% | 61.50% | 61.00% | 60.00% | 59.00% | 58.00% | 58.00% |
SCPI Coeur d'Europe | 87.50% | 85.00% | 80.00% | 78.00% | 75.00% | 72.50% | 70.00% | 68.00% | 66.00% | 64.50% | 64.00% | 63.00% | 61.50% | 61.00% | 60.00% | 59.00% | 0.00% | 57.50% |
SCPI Coeur de Regions | 86.50% | 82.50% | 77.00% | 74.00% | 72.00% | 69.00% | 66.00% | 63.50% | 62.50% | 61.50% | 60.50% | 59.50% | 58.00% | 57.00% | 56.00% | 55.00% | 54.50% | 54.00% |
SCPI Coeur de Ville | 87.50% | 84.00% | 80.00% | 76.50% | 73.00% | 71.50% | 70.00% | 67.00% | 65.50% | 64.00% | 63.00% | 2.00% | 61.00% | 60.00% | 59.00% | 58.00% | 58.00% | 56.00% |
SCPI Cométe | 87.50% | 84.00% | 80.00% | 77.00% | 74.00% | 71.50% | 70.00% | 67.00% | 65.50% | 64.00% | 63.00% | 62.00% | 61.00% | 60.00% | 59.00% | 58.00% | 57.00% | 56.00% |
SCPI Corum Eurion | 87.00% | 83.00% | 79.00% | 76.00% | 74.08% | 73.00% | 71.00% | 69.00% | 68.00% | 67.00% | 66.00% | 65.00% | 64.00% | 63.00% | 62.00% | 61.07% | 60.00% | 59.00% |
SCPI Corum Origin | 85.00% | 81.00% | 78.00% | 75.00% | 72.00% | 69.00% | 67.00% | 65.00% | 65.00% | 64.00% | 63.00% | 62.00% | 61.00% | 60.00% | 59.00% | 58.00% | 7.00% | 56.00% |
SCPI Corum USA | 85.00% | 82.00% | 80.00% | 79.00% | 79.00% | 76.00% | 74.00% | 72.00% | 71.00% | 70.00% | 69.00% | 68.00% | 67.00% | 66.00% | 65.00% | 64.00% | 63.00% | 62.00% |
SCPI Corum XL | 86.00% | 86.00% | 83.00% | 79.00% | 76.00% | 74.00% | 72.00% | 70.00% | 68.00% | 66.00% | 65.00% | 64.00% | 63.00% | 62.00% | 61.00% | 60.00% | 59.00% | 58.00% |
SCPI Crédit Mutuel Pierre 1 | 89.50% | 86.50% | 83.50% | 81.50% | 78.50% | 76.00% | 74.00% | 72.00% | 71.00% | 70.00% | 69.00% | 68.50% | 68.00% | 67.00% | 66.00% | 65.00% | 64.50% | 64.00% |
SCPI CRISTAL Life | 86.50% | 82.50% | 78.50% | 75.50% | 72.50% | 70.50% | 67.50% | 65.50% | 64.50% | 63.50% | 61.50% | 60.50% | 59.50% | 58.50% | 57.50% | 56.50% | 55.50% | 54.50% |
SCPI CRISTAL Rente | 87.50% | 85.00% | 80.00% | 78.00% | 75.00% | 72.50% | 70.00% | 68.00% | 66.00% | 64.50% | 64.00% | 63.00% | 61.50% | 61.00% | 60.00% | 59.00% | 58.00% | 57.50% |
SCPI Darwin RE01 | 89.00% | 89.00% | 85.00% | 82.00% | 80.00% | 77.00% | 75.00% | 72.50% | 70.00% | 68.50% | 66.50% | 66.00% | 65.00% | 64.00% | 63.00% | 62.00% | 61.00% | 60.00% |
SCPI EDEN | N/R | N/R | 81.00% | N/R | 76.00% | N/R | N/R | 68.50% | N/R | N/R | N/R | N/R | 62.00% | N/R | N/R | N/R | N/R | N/R |
SCPI Edmond de Rothschild EUROPA | 87.50% | 85.00% | 80.00% | 78.00% | 75.00% | 72.50% | 70.00% | 67.50% | 66.00% | 64.50% | 64.00% | 63.00% | 61.50% | 61.00% | 60.00% | 59.00% | 8.00% | 57.50% |
SCPI Efimmo 1 | N/R | N/R | 79.25% | 76.00% | 73.00% | 70.25% | 67.75% | 65.50% | 63.50% | 62.50% | 59.75% | 58.25% | 57.00% | 55.75% | 54.75% | 53.75% | 53.00% | 52.25% |
SCPI Elevation Tertiom | 84.50% | 80.00% | 76.00% | 73.00% | 70.00% | 68.00% | 65.00% | 63.00% | 61.50% | 60.50% | 58.50% | 57.00% | 56.00% | 55.00% | 54.00% | 53.00% | 52.00% | 51.00% |
SCPI Elialys | N/R | N/R | 82.00% | N/R | 77.00% | N/R | N/R | 70.00% | N/R | N/R | N/R | N/R | 61.00% | N/R | N/R | N/R | N/R | N/R |
SCPI Elysées Grand Large | 87.50% | 83.50% | 80.50% | 78.50% | 75.50% | 73.50% | 71.00% | 68.50% | 67.00% | 65.50% | 63.50% | 61.50% | 58.50% | N/R | N/R | N/R | N/R | 58.00% |
SCPI Elysées Pierre | 88.50% | 85.50% | 83.50% | 81.50% | 79.50% | 77.00% | 75.50% | 74.00% | 72.00% | 70.50% | 69.50% | 69.00% | 68.00% | N/R | N/R | N/R | N/R | 64.00% |
SCPI Epargne Foncière | 89.00% | 85.50% | 82.50% | 80.00% | 77.00% | 75.00% | 72.50% | 72.00% | 69.50% | 68.00% | 67.00% | 66.00% | 65.00% | 64.00% | 63.00% | 62.00% | 61.50% | 61.00% |
SCPI Epargne Pierre | 87.00% | 83.00% | 79.00% | 76.00% | 73.00% | 71.00% | 68.00% | 66.00% | 65.00% | 64.00% | 63.04% | 62.00% | 60.00% | 59.00% | 58.00% | 57.00% | 56.00% | 55.00% |
SCPI Epargne Pierre Europe | 87.50% | 84.00% | 80.00% | 76.50% | 74.00% | 71.50% | 70.00% | 67.00% | 65.50% | 64.00% | 63.00% | 62.00% | 58.50% | 57.50% | 56.50% | 55.50% | 55.00% | 54.50% |
SCPI Epargne Pierre Sophia | 88.50% | 84.00% | 81.50% | 79.50% | 76.50% | 74.50% | 72.00% | 69.50% | 68.00% | 66.50% | 65.50% | 64.50% | 63.50% | 62.50% | 61.50% | 60.50% | 59.50% | 58.50% |
SCPI Epsicap Explore | 87.50% | 84.00% | 80.00% | 76.50% | 74.00% | 71.50% | 70.00% | 67.00% | 65.50% | 64.00% | 63.00% | 62.00% | 61.00% | 60.00% | 59.00% | 58.00% | 7.00% | 56.00% |
SCPI Epsicap Nano | 85.00% | 81.00% | 77.00% | 74.00% | 71.00% | 68.00% | 66.00% | 64.00% | 63.00% | 61.00% | 60.04% | 59.00% | 58.00% | 57.00% | 56.00% | 55.00% | 54.00% | 53.00% |
SCPI ESG Pierre Capitale | 89.00% | 85.50% | 82.00% | 79.50% | 76.50% | 74.50% | 72.00% | 70.00% | 68.50% | 67.50% | 66.50% | 65.50% | 64.50% | 63.50% | 62.50% | 63.50% | 61.00% | 60.50% |
SCPI Eurovalys | N/R | N/R | 82.00% | N/R | 77.00% | N/R | N/R | 70.00% | N/R | N/R | N/R | N/R | 61.00% | N/R | N/R | N/R | N/R | N/R |
SCPI Euryale Horizons Sante | 88.00% | 84.50% | 81.00% | 77.50% | 75.00% | 72.50% | 70.00% | 67.50% | 66.50% | 65.00% | 63.40% | 62.00% | 61.00% | 60.00% | 59.00% | 58.50% | 57.50% | 56.50% |
SCPI Ficommerce Proximité | N/R | N/R | 82.00% | N/R | 76.00% | N/R | N/R | 69.00% | N/R | N/R | N/R | N/R | 63.00% | N/R | N/R | N/R | N/R | N/R |
SCPI Foncière des Praticiens | 87.50% | 84.00% | 80.00% | 76.50% | 74.00% | 71.50% | 70.00% | 67.00% | 65.50% | 64.00% | 63.00% | 62.00% | 61.00% | 60.00% | 59.00% | 58.00% | 7.00% | 56.00% |
SCPI Foncière Remusat | 86.50% | 83.00% | 79.00% | 76.00% | 73.00% | 71.00% | 68.00% | 66.00% | 64.50% | 63.50% | 62.50% | 61.50% | 60.00% | 59.00% | 58.00% | 57.00% | 56.50% | 56.00% |
SCPI Fructipierre | 90.50% | 87.50% | 84.50% | 81.50% | 79.50% | 77.50% | 75.50% | 74.00% | 73.50% | 72.50% | 70.50% | 69.50% | 68.50% | 67.50% | 66.50% | 65.50% | 64.50% | 63.50% |
SCPI GMA Essentialis | 87.50% | 85.00% | 80.00% | 78.00% | 75.00% | 72.50% | 70.00% | 68.00% | 66.00% | 64.50% | 64.00% | 63.00% | 61.50% | 61.00% | 60.00% | 59.00% | 58.00% | 57.50% |
SCPI Grand Paris Résidentiels | 91.50% | 88.50% | 86.00% | 84.00% | 82.00% | 80.00% | 78.00% | 77.00% | 75.50% | 74.00% | 73.00% | 72.00% | 71.00% | 70.50% | 70.00% | 69.50% | 69.00% | 68.00 % |
SCPI Immo Placement | 86.50% | 83.00% | 79.00% | 76.00% | 73.00% | 71.00% | 68.00% | 66.00% | 64.50% | 63.50% | 62.50% | 61.50% | 60.00% | 59.00% | 58.00% | 57.00% | 56.50% | 56.00% |
SCPI Immorente | N/R | N/R | 79.75% | 76.50% | 73.75% | 71.00% | 68.75% | 66.50% | 64.50% | 62.75% | 61.00% | 59.50% | 58.25% | 57.00% | 56.00% | 55.00% | 54.00% | 53.25% |
SCPI Iroko Atlas | N/R | N/R | 79.00% | 75.50% | 72.00% | 0.00% | 70.00% | 68.00% | 65.50% | 64.00% | 63.00% | 62.00% | 61.00% | 60.00% | 59.00% | 58.00% | 57.00% | 56.00% |
SCPI Iroko Zen | 87.00% | 87.00% | 83.00% | 79.00% | 75.50% | 72.50% | 70.00% | 68.00% | 65.50% | 64.00% | 63.00% | 62.00% | 61.00% | 60.00% | 59.00% | 58.00% | 57.00% | 56.00% |
SCPI Kyaneos Pierre | 88.00% | 84.50% | 80.00% | 77.00% | 74.08% | 71.50% | 69.00% | 67.00% | 65.50% | 64.00% | 63.00% | 62.00% | 61.00% | 60.00% | 59.00% | 58.00% | 57.00% | 56.50% |
SCPI Laffitte Pierre | 90.50% | 87.50% | 85.00% | 82.50% | 80.00% | 78.00% | 76.00% | 74.50% | 73.00% | 71.50% | 70.50% | 70.00% | 69.50% | 68.50% | 67.50% | 66.50% | 65.50% | 64.50% |
SCPI LF Avenir Santé | 89.00% | 85.50% | 82.50% | 80.00% | 80.00% | 75.00% | 72.50% | 72.00% | 69.50% | 68.00% | 67.00% | 66.00% | 65.00% | 64.00% | 63.00% | 62.00% | 61.50% | 61.00% |
SCPI LF Europimmo | 90.50% | 87.50% | 84.50% | 81.50% | 79.50% | 77.50% | 75.50% | 74.00% | 73.50% | 72.50% | 70.50% | 69.50% | 68.50% | 67.50% | 66.50% | 65.50% | 64.50% | 63.50% |
SCPI LF Grand Paris Patrimoine | 88.50% | 85.50% | 82.00% | 79.50% | 76.50% | 74.50% | 72.50% | 70.50% | 69.50% | 68.50% | 67.50% | 66.50% | 65.50% | 64.50% | 63.50% | 62.50% | 61.50% | 60.50% |
SCPI LF Opportunité Immo | 87.00% | 87.00% | 83.00% | 79.00% | 76.00% | 73.00% | 71.00% | 68.00% | 66.00% | 65.00% | 64.00% | 63.00% | 62.00% | 60.00% | 59.00% | 58.00% | 57.00% | 56.00% |
SCPI Linaclub | 86.50% | 82.50% | 79.50% | 77.50% | 74.00% | 72.50% | 70.00% | 67.50% | 66.00% | 64.50% | 63.50% | 62.50% | 61.50% | 60.50% | 59.50% | 58.50% | 57.50% | 56.50% |
SCPI LOG IN | 88.00% | 84.50% | 81.00% | 78.00% | 75.50% | 73.00% | 70.50% | 68.00% | 66.50% | 65.00% | 63.50% | 62.00% | 61.00% | 60.00% | 59.50% | 59.00% | 58.50% | 58.00% |
SCPI Logipierre 3 | 90.50% | 87.50% | 84.50% | 81.50% | 79.50% | 77.50% | 75.50% | 74.00% | 73.50% | 72.50% | 70.50% | 69.50% | 68.50% | 67.50% | 66.50% | 65.50% | 64.50% | 63.50 % |
SCPI Métronome | 87.50% | 85.00% | 80.00% | 78.00% | 75.00% | 72.50% | 70.00% | 68.00% | 66.00% | 64.50% | 64.00% | 63.00% | 61.50% | 61.00% | 60.00% | 59.00% | 8.00% | 57.50% |
SCPI Mistral Sélection | 87.50% | 85.00% | 80.00% | 78.00% | 75.00% | 72.50% | 70.00% | 68.00% | 66.00% | 64.50% | 64.00% | 63.00% | 61.50% | 61.00% | 60.00% | 59.00% | 8.00% | 57.50% |
SCPI Multimmobilier 2 | 90.50% | 87.50% | 84.00% | 82.00% | 79.50% | 77.00% | 75.00% | 73.50% | 71.50% | 70.00% | 69.00% | 68.50% | 68.00% | 67.00% | 66.50% | 66.00% | 65.00% | 64.00% |
SCPI MyShareSCPl | 87.50% | 85.00% | 79.50% | 77.00% | 74.00% | 71.00% | 69.00% | 66.00% | 64.50% | 63.50% | 62.50% | 61.50% | 60.00% | 59.00% | 58.00% | 57.00% | 56.50% | 56.00% |
SCPI NCap Continent | 89.00% | 86.00% | 81.00% | 79.00% | 76.00% | 73.00% | 71.00% | 69.00% | 68.00% | 66.00% | 65.00% | 64.00% | 61.00% | N/R | N/R | N/R | N/R | N/R |
SCPI NCap Education Santé | 87.50% | 84.00% | 80.00% | 76.50% | 73.00% | 71.50% | 70.00% | 67.00% | 65.50% | 64.00% | 63.00% | 62.00% | 61.00% | 60.00% | 59.00% | 58.00% | 57.00% | 56.00% |
SCPI NCap Régions | 84.00% | 81.00% | 77.00% | 77.00% | 77.00% | 74.00% | 71.00% | 68.00% | 66.00% | 64.00% | 63.00% | 62.00% | 60.00% | 59.00% | 58.00% | 57.00% | 56.00% | 55.00% |
SCPI Novapierre 1 | 89.00% | 85.00% | 82.00% | 80.00% | 80.00% | 77.00% | 75.00% | 72.50% | 70.00% | 68.50% | 67.00% | 65.00% | 63.00% | 60.00% | 59.00% | 58.00% | 57.00% | 56.50% |
SCPI Novapierre Allemagne 2 | 89.50% | 86.00% | 83.00% | 81.00% | 78.00% | 76.00% | 73.50% | 72.00% | 70.50% | 69.00% | 68.50% | 67.50% | 66.50% | 65.50% | 64.50% | 63.50% | 63.00% | 62.50% |
SCPI Novapierre Italie | 89.50% | 86.50% | 83.50% | 81.50% | 78.50% | 76.00% | 74.00% | 72.00% | 71.00% | 70.00% | 69.00% | 68.50% | 68.00% | 67.00% | 66.00% | 65.00% | 64.50% | 64.00% |
SCPI Novaxia Neo | 7.00% | 83.00% | 79.50% | 76.00% | 73.50% | 72.00% | 68.50% | 66.50% | 65.00% | 64.00% | 63.00% | 62.00% | 61.00% | 60.00% | 59.00% | 58.00% | 57.00% | 56.00% |
SCPI Optimale | 86.00% | 82.00% | 78.00% | 75.50% | 72.50% | 70.00% | 67.50% | 65.50% | 64.50% | 63.00% | 61.50% | 60.50% | 59.50% | 58.50% | 57.50% | 56.50% | 55.50% | 54.50% |
SCPI Osmo Energie | 87.50% | 84.00% | 80.00% | 76.50% | 74.00% | 72.50% | 70.00% | 67.00% | 65.50% | 64.00% | 63.00% | 62.00% | 61.00% | 60.00% | 59.00% | 59.00% | 59.00% | 7.00% |
SCPI Paref Evo | 89.00% | 86.00% | 83.00% | 80.00% | 78.00% | 75.00% | 72.50% | 72.00% | 69.50% | 68.00% | 67.00% | 66.00% | 65.00% | 64.00% | 63.00% | 62.00% | 62.50% | 61.00% |
SCPI Paref Hexa | 87.00% | 83.00% | 79.00% | 76.00% | 73.00% | 71.00% | 68.00% | 66.00% | 65.00% | 64.00% | 63.00% | 62.00% | 60.00% | 59.00% | 58.00% | 57.00% | 56.00% | 55.00% |
SCPI PAREF Prima | 89.50% | 86.00% | 83.00% | 81.00% | 78.00% | 76.00% | 73.50% | 72.00% | 70.50% | 69.00% | 68.50% | 67.50% | 66.50% | 65.50% | 64.50% | 63.50% | 63.00% | 62.50% |
SCPI Patrimmo Commerce | 89.00% | 85.00% | 82.00% | 80.00% | 80.00% | 77.00% | 75.00% | 72.50% | 70.00% | 68.50% | 67.00% | 65.00% | 63.00% | 60.00% | 59.00% | 58.00% | 57.00% | 56.50% |
SCPI Patrimonia Capital et Rendement | 86.50% | 82.50% | 79.00% | 75.50% | 72.50% | 70.00% | 67.50% | 65.50% | 63.50% | 62.00% | 60.50% | 60.00% | 59.00% | N/R | N/R | N/R | N/R | 55.00% |
SCPI Perial Grand Paris | 89.50% | 86.50% | 80.00% | 77.00% | 74.00% | 71.00% | 68.50% | 66.50% | 64.00% | 62.00% | 60.50% | 58.50% | 57.00% | 56.50% | 56.00% | 55.50% | 55.00% | 54.50% |
SCPI Perial Hospitalité Europe | 90.50% | 87.50% | 83.50% | 81.00% | 78.00% | 75.50% | 73.50% | 72.00% | 70.50% | 69.00% | 67.50% | 66.00% | 64.50% | 64.00% | 63.50% | 63.00% | 62.50% | 62.00% |
SCPI Perial 02 | 89.00% | 86.00% | 81.00% | 78.00% | 75.00% | 75.00% | 72.50% | 70.00% | 67.50% | 65.50% | 63.50% | 62.00% | 60.00% | 58.50% | 58.00% | 57.50% | 57.00% | 56.50% |
SCPI Perial Opportunités Europe | 88.00% | 85.00% | 77.00% | 73.50% | 70.00% | 67.50% | 64.50% | 62.00% | 60.00% | 57.50% | 55.50% | 54.00% | 52.50% | 52.25% | 52.00% | 51.75% | 52.50% | 51.25% |
SCPI Pierre Altitude | 89.00% | 85.50% | 82.50% | 80.00% | 77.00% | 75.00% | 72.50% | 71.00% | 69.50% | 68.00% | 67.00% | 66.00% | 65.00% | 64.00% | 63.00% | 62.00% | 61.50% | 61.00 % |
SCPI Pierre Expansion Santé | 92.00% | 90.00% | 90.00% | 87.50% | 86.50% | 85.00% | 83.00% | 80.50% | 79.00% | 77.00% | 76.00% | 75.50% | 74.50% | 73.50% | 73.00% | 72.50% | 72.00% | 71.50% |
SCPI Pierre Plus | 90.50% | 87.00% | 84.00% | 81.50% | 79.00% | 77.00% | 75.00% | 73.00% | 71.50% | 70.00% | 69.00% | 68.50% | 68.00% | 67.00% | 66.00% | 65.00% | 64.50% | 64.00% |
SCPI Pierre Privilege | 89.50% | 86.00% | 83.00% | 80.50% | 77.50% | 75.50% | 73.50% | 72.50% | 69.50% | 68.50% | 67.50% | 66.50% | 65.50% | 65.00% | 64.50% | 63.50% | 63.00% | 62.50% |
SCPI Pierval Santé | 91.00% | 88.00% | 85.50% | 83.50% | 81.50% | 79.50% | 7.50% | 75.50% | 4.00% | 73.00% | 71.50% | 70.50% | 69.00% | 69.00% | 0.00% | 67.00% | 66.00% | 5.00% |
SCPI Primofamily | N/R | N/R | N/R | N/R | N/R | N/R | N/R | 70.00% | N/R | N/R | N/R | N/R | 60.00% | N/R | N/R | N/R | N/R | N/R |
SCPI Primopierre | 89.00% | 85.00% | 82.00% | 80.00% | 80.00% | 77.00% | 75.00% | 72.50% | 70.00% | 68.50% | 67.00% | 65.00% | 63.00% | 60.00% | 59.00% | 58.00% | 57.00% | 56.50% |
SCPI Primovie | 89.00% | 85.00% | 82.00% | 80.00% | 77.00% | 75.00% | 72.50% | 70.00% | 68.50% | 67.00% | 65.00% | 63.00% | 60.00% | 59.00% | 58.00% | 57.00% | 56.50% | 56.00% |
SCPI Remake Live | N/R | N/R | 78.50% | 75.00% | 72.00% | 69.50% | 66.50% | 64.00% | 62.00% | 61.00% | 60.00% | 59.00% | 58.50% | 57.50% | 56.50% | 55.50% | 54.50% | 53.50% |
SCPI Selectinvest 1 | 89.50% | 86.50% | 83.50% | 81.50% | 78.50% | 76.00% | 74.00% | 72.00% | 71.00% | 70.00% | 69.00% | 68.50% | 68.00% | 67.00% | 66.00% | 65.00% | 64.50% | 64.00% |
SCPI Selectipierre 2 | 92.00% | 90.00% | 90.00% | 87.50% | 86.50% | 85.00% | 83.00% | 80.50% | 79.00% | 77.00% | 76.00% | 75.50% | 74.50% | 73.50% | 73.00% | 72.50% | 72.00% | 71.50% |
SCPI Sofiboutique | N/R | N/R | 79.50% | 76.25% | 73.25% | 70.50% | 68.00% | 65.75% | 63.75% | 61.75% | 60.00% | 50.00% | 57.25% | 56.00% | 55.00% | 54.00% | 53.25% | 52.75% |
SCPI Sofidy Europe Invest | N/R | N/R | 81.00% | 78.00% | 75.25% | 72.50% | 69.75% | 67.50% | 65.50% | 63.50% | 61.75% | 60.00% | 58.50% | 57.00% | 55.75% | 54.50% | 53.50% | 52.75% |
SCPI Sofidynamic | N/R | N/R | 73.75% | 70.00% | 66.50% | 63.25% | 60.50% | 59.00% | 56.75% | 54.75% | 53.00% | 51.25% | 50.00% | N/R | N/R | N/R | N/R | N/R |
SCPI Sofipierre | N/R | N/R | 78.50% | 75.00% | 72.00% | 69.25% | 66.75% | 64.75% | 62.75% | 62.00% | 59.50% | 58.00% | 56.50% | 55.25% | 54.00% | 53.00% | 52.00% | 51.00% |
SCPI Transitions Europe | N/R | N/R | 80.00% | N/R | 74.00% | N/R | N/R | 67.00% | N/R | N/R | N/R | N/R | N/R | N/R | N/R | N/R | N/R | N/R |
SCPI Upeka | 7.00% | 83.00% | 79.00% | 76.00% | 73.00% | 72.00% | 69.00% | 66.50% | 64.50% | 63.50% | 62.50% | 61.00% | 60.00% | 59.00% | 58.00% | 57.00% | 56.00% | 55.00% |
SCPI Urban Coeur Commerce | 88.50% | 84.50% | 81.50% | 79.50% | 76.50% | 74.50% | 72.00% | 69.50% | 68.00% | 66.50% | 64.50% | 62.50% | 59.50% | 58.50% | 57.50% | 56.50% | 56.00% | 55.50% |
SCPI Vitality | 86.00% | 83.00% | 79.00% | 75.00% | 72.00% | 69.00% | 67.00% | 65.00% | 64.00% | 63.00% | 62.00% | 61.00% | 60.00% | 59.00% | 58.00% | 57.00% | 56.00% | 55.00% |
SCPI Wemo One | 85.00% | 81.00% | 77.00% | 75.50% | 72.50% | 70.00% | 68.00% | 65.50% | 64.50% | 63.50% | 62.50% | 61.50% | 60.50% | 59.50% | 58.50% | 57.50% | 56.50% | 56.00% |
Zoom sur l'usufruit et la nue-propriété en SCPI avec le démembrement
L'usufruit pour les SCPI
L'usufruitier, en percevant les revenus fonciers, doit également gérer l'aspect fiscal lié à ces revenus, y compris pour les sociétés à l'IS qui peuvent amortir l'usufruit comme une immobilisation incorporelle. Deux types d'usufruits se distinguent principalement :
- Usufruit temporaire fixe : Généralement fixé à 5 ou 10 ans, avec perception de revenus sans gestion locative.
- Usufruit viager: Dépendant de la durée de vie de l'usufruitier.
La nue-propriété pour les SCPI
L'investissement en nue-propriété s'adresse aux investisseurs n'ayant pas besoin de revenus immédiats ou souhaitant éviter une fiscalité lourde sur les revenus fonciers, récupérant la pleine propriété à l'échéance sans frais supplémentaires, avec un calcul fiscal avantageux sur les plus-values.
Bilan des avantages et inconvénients du démembrement en SCPI
Les avantages
L'usufruit : Revenus réguliers et immédiats, allégement fiscal sur la valorisation du capital, sans contraintes locatives.
La nue-propriété : Prix de part décoté (jusqu'à 53 % de parts supplémentaires pour un rendement de 5,5 % sur 10 ans), pas d'impôt sur les revenus fonciers pendant le démembrement.
Les inconvénients
L'usufruit : Soumission à l'impôt sur le revenu, pas de bénéfice sur la valorisation du capital, perte des droits à l'échéance sans compensation.
La nue-propriété : Pas de revenus immédiats, attente nécessaire pour la pleine propriété, liquidité limitée (revente difficile avant terme).
En définitive, les clés de répartition ne sont pas de simples pourcentages : elles constituent un véritable levier d’optimisation pour tout investisseur en SCPI souhaitant tirer parti du démembrement. Bien comprises et correctement exploitées, elles permettent d’ajuster finement son allocation entre rendement immédiat et valorisation à long terme.
Dans un environnement en constante évolution, comparer les grilles proposées par les différentes SCPI devient essentiel pour capter les meilleures opportunités. Plus qu’un outil technique, le démembrement s’impose aujourd’hui comme une stratégie patrimoniale à part entière, à condition d’en maîtriser les paramètres clés.
À vous désormais d’utiliser ces données pour construire une stratégie adaptée à vos objectifs et tirer pleinement parti du potentiel des SCPI en 2026.
| Les points importants pour la SCPI Primopierre | ||
| Type de support
SCPI
Société Civile de Placement Immobilier |
Catégorie Bureau SCPI de rendement | Minimum de souscription 10 parts 115.00 € |
| SCPI de rendement Primopierre | ||
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À propos de l’auteur
Jonathan Dhiver
J'ai fondé MeilleureSCPI.com, Meilleur-GF.com, Meilleur-GFV.com, et Epargne-Mensuelle.com. J'adore tout ce qui touche à l'épargne, l'éducation financière, et la fixation d'objectifs. Je pense qu'une des clés est de mettre de l'argent de côté dès le début du mois. Si vous avez des questions, n'hésitez pas à me contacter (via le formulaire de contact) !
