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Acheter en VEFA : avantages, étapes et pièges à éviter

Acheter en VEFA en 2025 : avantages, étapes et pièges à éviter

L’achat en VEFA (Vente en l’État Futur d’Achèvement) reste l’un des moyens les plus sûrs et les plus encadrés pour devenir propriétaire d’un logement neuf à La Réunion. En 2025, bien que la Loi Pinel ait pris fin fin 2024, la VEFA continue d’offrir des avantages patrimoniaux et pratiques considérables, notamment pour les primo-accédants et les investisseurs bien conseillés.

Voici tout ce que vous devez savoir avant de vous lancer.

Pourquoi acheter en VEFA en 2025 ?

Même sans le dispositif Pinel, acheter en VEFA présente de nombreux bénéfices :

  • Des logements neufs aux dernières normes : RE2020, RTAA DOM, performances énergétiques optimales

  • Des frais de notaire réduits : 2 à 2,5 % dans le neuf contre 7 à 8 % dans l’ancien

  • Une exonération temporaire de taxe foncière dans certaines communes

  • Des aides à l’accession maintenues : TVA réduite (2,1 % dans certaines zones), Prêt à Taux Zéro (PTZ 2025)

  • Des garanties juridiques solides : garantie décennale, biennale, parfait achèvement

Les étapes d’un achat en VEFA

Acheter un bien immobilier en VEFA, c’est s’engager dans un processus bien structuré. Voici les grandes étapes :

1. Choix du programme et réservation

Vous sélectionnez un programme neuf proposé par OKARE, en fonction de vos critères (emplacement, type de bien, budget, etc.). Vous signez ensuite un contrat de réservation qui bloque votre logement.

2. Recherche de financement

OKARE vous accompagne avec ses partenaires courtiers pour obtenir le meilleur prêt immobilier selon votre profil. En 2025, le PTZ reste un levier puissant pour les primo-accédants.

3. Signature de l’acte chez le notaire

Vous devenez officiellement propriétaire sur plan. À ce stade, seuls les appels de fonds sont progressifs selon l’avancement des travaux.

4. Suivi de chantier et personnalisation

Vous êtes régulièrement informé(e) de l’avancement du chantier. Des options de personnalisation sont souvent possibles selon le stade de construction.

5. Livraison et remise des clés

À la fin des travaux, vous réalisez une visite de livraison avec notre équipe. Vous pouvez signaler d’éventuelles réserves à corriger.

Quels sont les avantages spécifiques en VEFA ?

  • Pas de gros travaux à prévoir à court ou moyen terme

  • Logement aux normes PMR, sécurité, connectivité

  • Prestations modernes : varangue, parking, cuisine équipée (selon programme)

  • Valorisation du bien sur le long terme grâce aux performances énergétiques

Les pièges à éviter

Acheter sur plan implique aussi quelques précautions :

  • Attention au sérieux du promoteur : chez OKARE, nous sélectionnons uniquement des promoteurs reconnus

  • Bien lire les notices descriptives techniques

  • Ne pas sous-estimer les délais de construction

  • Vérifier les garanties attachées au bien : garantie d’achèvement, assurance dommage-ouvrage, etc.

  • Prévoir des marges dans votre budget pour les frais annexes ou travaux supplémentaires non inclus

L’accompagnement OKARE

Avec OKARE, vous bénéficiez d’un accompagnement global et personnalisé :

  • Sélection de programmes neufs de qualité à La Réunion

  • Aide à la simulation financière et PTZ

  • Courtier immobilier partenaire pour optimiser votre crédit

  • Suivi du dossier de A à Z jusqu’à la livraison

  • Gestion locative possible si vous mettez le bien en location

  • Kit fiscal offert en cas d’investissement locatif

Pourquoi acheter en VEFA avec OKARE ?

Avantages Ce que vous obtenez
Confort Un logement neuf, moderne, clé en main
Sécurité Garanties légales solides
Économie Aides publiques et frais réduits
Patrimoine Un bien valorisable et transmissible
Sérénité Un accompagnement expert tout au long du processus

Vous envisagez un achat en VEFA à La Réunion en 2025 ?
Contactez un conseiller OKARE dès maintenant pour étudier les projets en cours et bâtir un plan de financement réaliste.

Partager

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