{"id":9134,"date":"2023-08-08T14:21:24","date_gmt":"2023-08-08T14:21:24","guid":{"rendered":"https:\/\/www.yardiinvestmentsuite.com\/blog\/lart-de-la-clause-restrictive-bonnes-pratiques-permettant-de-reduire-les-risques-lies-aux-emprunts-immobiliers-commerciaux\/"},"modified":"2024-06-26T09:14:47","modified_gmt":"2024-06-26T09:14:47","slug":"lart-de-la-clause-restrictive-bonnes-pratiques-permettant-de-reduire-les-risques-lies-aux-emprunts-immobiliers-commerciaux","status":"publish","type":"post","link":"https:\/\/www.yardiinvestmentsuite.com\/fr-fr\/blog\/lart-de-la-clause-restrictive-bonnes-pratiques-permettant-de-reduire-les-risques-lies-aux-emprunts-immobiliers-commerciaux\/","title":{"rendered":"L\u2019art de la clause restrictive\u00a0: bonnes pratiques permettant de r\u00e9duire les risques li\u00e9s aux emprunts immobiliers commerciaux"},"content":{"rendered":"\n<p>Les clauses restrictives, \u00e0 savoir les accords entre un d\u00e9biteur (emprunteur) et un cr\u00e9ancier (ou pr\u00eateur), sont un \u00e9l\u00e9ment essentiel des pr\u00eats immobiliers commerciaux. Elles sont con\u00e7ues pour r\u00e9duire les risques des pr\u00eateurs. En outre, les clauses restrictives d\u2019un pr\u00eat engagent l&#8217;emprunteur \u00e0 adopter certains comportements, comme effectuer le paiement du capital et des int\u00e9r\u00eats \u00e0 l&#8217;\u00e9ch\u00e9ance, et \u00e0 en \u00e9viter d\u2019autres, comme vendre les actifs qui sous-tendent le pr\u00eat sans le rembourser int\u00e9gralement au pr\u00e9alable.\u00a0<\/p>\n<div class=\"wp-block-image is-resized\">\n<figure class=\"alignleft\"><img decoding=\"async\" src=\"https:\/\/www.yardi.com\/blog\/wp-content\/uploads\/sites\/15\/2023\/04\/19174_Instagram-square-Debt-Mgmt-Best-Practices.jpg\" alt=\"L&#x2019;art de la clause restrictive&#xA0;: bonnes pratiques permettant de r&#xE9;duire les risques li&#xE9;s aux emprunts immobiliers commerciaux\" class=\"wp-image-35659\" style=\"width:272px;height:auto\"\/><\/figure><\/div>\n<p>Certaines conditions \u00e9conomiques (baisse des valeurs du portefeuille, frais d\u2019exploitation \u00e9lev\u00e9s, hausse des taux d\u2019inoccupation) augmentent le risque de violation d\u2019une clause restrictive d\u2019un pr\u00eat, en \u00e9tant en retard dans les paiements ou le reporting ou en ne respectant pas des crit\u00e8res financiers.\u00a0<\/p>\n\n<p>Un exemple de violation d\u2019une clause restrictive est le fait qu\u2019un CFO ne respecte pas le ratio du service de la dette, qui mesure la tr\u00e9sorerie disponible pour payer la dette courante. De plus, cela pourrait amener le pr\u00eateur \u00e0 \u00ab\u00a0rappeler le pr\u00eat\u00a0\u00bb, obligeant ainsi l&#8217;entreprise \u00e0 obtenir un financement pour le rembourser.\u00a0<\/p>\n\n<p>Pour \u00e9viter un tel sc\u00e9nario, il faut de la transparence dans les exigences des pr\u00eateurs et une compr\u00e9hension approfondie des facteurs qui influencent la dette, comme les pr\u00e9visions et les loyers. \u00ab\u00a0Le suivi des clauses restrictives est une grande tendance actuellement. Du c\u00f4t\u00e9 des emprunteurs, l&#8217;accent est mis sur la transparence et la connaissance des portefeuilles de dette\u00a0\u00bb, observe Chris Barbier, Senior Manager of Investment Management chez Yardi.\u00a0<\/p>\n\n<p>Comment les emprunteurs peuvent-ils r\u00e9duire les risques et optimiser l\u2019efficacit\u00e9 dans le cadre de la gestion des clauses restrictives de leur pr\u00eat\u00a0? L\u2019un des moyens les plus fiables d\u2019y parvenir consiste \u00e0 utiliser\u00a0<a href=\"https:\/\/www.yardiinvestmentsuite.com\/fr-fr\/debt-manager\/\" target=\"_blank\" rel=\"noreferrer noopener\">une seule plateforme technologique<\/a>\u00a0au lieu de plusieurs syst\u00e8mes pour la gestion des pr\u00eats et des actifs et les activit\u00e9s d\u2019investissement.\u00a0<\/p>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>\u00ab\u00a0Si vous poss\u00e9dez une propri\u00e9t\u00e9 en exploitation (qui constitue g\u00e9n\u00e9ralement la garantie du pr\u00eat dans un syst\u00e8me) et que des pr\u00eats sont suivis ailleurs, les deux processus ne sont pas en phase. Une solution \u00e9troitement connect\u00e9e permet d\u2019am\u00e9liorer la transparence et la gestion des risques.\u00a0\u00bb\u00a0<\/em><\/p>\n<cite><strong>Chris Barbier, Senior Manager of Investment Management chez Yardi<\/strong><\/cite><\/blockquote>\n\n<h2 class=\"wp-block-heading\">R\u00e9duisez les risques li\u00e9s \u00e0 l\u2019emprunteur \u00e0 l\u2019aide d\u2019une plateforme immobili\u00e8re unique<\/h2>\n\n<p>Un syst\u00e8me technologique unique qui centralise toutes les informations sur les pr\u00eats et automatise les processus aide les emprunteurs en\u00a0:\u00a0<\/p>\n\n<ul class=\"wp-block-list\">\n<li>s&#8217;assurant que les livrables sont envoy\u00e9s aux pr\u00eateurs\u00a0;<\/li>\n\n\n\n<li>surveillant le statut de conformit\u00e9 aux principales clauses restrictives\u00a0;<\/li>\n\n\n\n<li>suivant et comptabilisant diff\u00e9rents types de pr\u00eats\u00a0;\u00a0<\/li>\n\n\n\n<li>suivant l&#8217;\u00e9volution des conditions de pr\u00eat au fil du temps et leur impact sur le tableau d&#8217;amortissement\u00a0;<\/li>\n\n\n\n<li>fournissant une visibilit\u00e9 compl\u00e8te sur la performance op\u00e9rationnelle des actifs telles que le manque \u00e0 gagner et la d\u00e9t\u00e9rioration de la valeur d\u2019actifs, facilitant ainsi l&#8217;anticipation et la gestion des probl\u00e8mes potentiels\u00a0;<\/li>\n\n\n\n<li>r\u00e9duisant le nombre d\u2019erreurs manuelles en supprimant les feuilles de calcul\u00a0;<\/li>\n\n\n\n<li>fournissant une visibilit\u00e9 compl\u00e8te et une piste d&#8217;audit sur l&#8217;historique des paiements.<\/li>\n<\/ul>\n\n<p>Plus important encore, un tel syst\u00e8me fournit une source unique de v\u00e9rit\u00e9. \u00ab\u00a0Cela signifie une transparence de l&#8217;investissement \u00e0 la performance du pr\u00eat et des garanties sous-jacentes\u00a0\u00bb, explique Chris Barbier.\u00a0<\/p>\n\n<p>D\u00e9couvrez comment\u00a0<a href=\"https:\/\/www.yardiinvestmentsuite.com\/fr-fr\/debt-manager\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Yardi Debt Manager<\/strong><\/a>\u00a0permet le suivi et la comptabilisation d&#8217;un portefeuille de pr\u00eats et offre une visibilit\u00e9 sur les dettes avec les actifs d&#8217;exploitation sous-jacents.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yardi Debt Manager permet le suivi et la comptabilit\u00e9 du portefeuille de pr\u00eats, offrant ainsi une visibilit\u00e9 sur les dettes adoss\u00e9es \u00e0 des actifs d&#8217;exploitation.<\/p>\n","protected":false},"author":1118,"featured_media":8042,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[326],"tags":[],"class_list":["post-9134","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lart-de-la-clause-restrictive"],"yoast_head":"<!-- This site is optimized with the Yoast SEO 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