{"id":380407,"date":"2026-04-11T08:56:41","date_gmt":"2026-04-11T08:56:41","guid":{"rendered":"https:\/\/afrikmag.com\/var\/www\/vhosts\/afrikmag.compublic_html\/?p=380407"},"modified":"2026-04-11T08:56:41","modified_gmt":"2026-04-11T08:56:41","slug":"5-villes-africaines-ou-posseder-un-logement-est-plus-avantageux-que-detre-locataire-en-2026","status":"publish","type":"post","link":"https:\/\/afrikmag.com\/var\/www\/vhosts\/afrikmag.compublic_html\/5-villes-africaines-ou-posseder-un-logement-est-plus-avantageux-que-detre-locataire-en-2026\/","title":{"rendered":"5 villes africaines o\u00f9 poss\u00e9der un logement est plus avantageux que d’\u00eatre locataire en 2026"},"content":{"rendered":"
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L’un des indicateurs les plus \u00e9vidents qu’il pourrait \u00eatre judicieux d’acheter une maison plut\u00f4t que de continuer \u00e0 louer est un rapport prix\/loyer plus faible.<\/span><\/strong><\/p>\n<\/div>\n

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\n
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Cette statistique, qui compare le co\u00fbt d’acquisition d’une maison au\u00a0<\/span>co\u00fbt de<\/span><\/strong>\u00a0sa location, est simple, mais elle fournit des informations utiles sur les avantages financiers \u00e0 long terme et l’accessibilit\u00e9 au logement.<\/span><\/p>\n<\/div>\n

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En r\u00e9sum\u00e9, le ratio prix\/loyer permet de r\u00e9pondre concr\u00e8tement \u00e0 la question suivante\u00a0: est-il plus abordable de louer ce bien sur une p\u00e9riode donn\u00e9e ou d\u2019en devenir propri\u00e9taire\u00a0?<\/span><\/p>\n<\/div>\n

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Comparativement aux revenus locatifs, un ratio faible indique que les prix des biens immobiliers sont raisonnables.<\/span><\/p>\n<\/div>\n

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En d’autres termes, le prix d’achat d’une maison n’est pas beaucoup plus \u00e9lev\u00e9 que ce que vous paieriez finalement en loyer.<\/span><\/p>\n<\/div>\n

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Les difficult\u00e9s financi\u00e8res sont plus probables sur les march\u00e9s o\u00f9 le ratio est \u00e9lev\u00e9, car les acheteurs d\u00e9passent fr\u00e9quemment leur budget pour acqu\u00e9rir des biens immobiliers co\u00fbteux.<\/span><\/p>\n<\/div>\n

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En revanche, un pourcentage plus faible indique un march\u00e9 plus \u00e9quilibr\u00e9 o\u00f9 la v\u00e9ritable valeur \u00e9conomique sous-tend les prix de l’immobilier.<\/span><\/p>\n<\/div>\n

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Cela renforce la p\u00e9rennit\u00e9 de l’accession \u00e0 la propri\u00e9t\u00e9, notamment pour les primo-acc\u00e9dants.<\/span><\/p>\n<\/div>\n

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Ce ratio tient \u00e9galement compte des conditions g\u00e9n\u00e9rales du march\u00e9.<\/span><\/p>\n<\/div>\n

\n

Un pourcentage plus faible indique souvent que l’offre et la demande de logements sont raisonnablement \u00e9quilibr\u00e9es, emp\u00eachant ainsi une forte hausse des prix.<\/span><\/p>\n<\/div>\n

\n
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Cela donne aux acheteurs une plus grande marge de man\u0153uvre pour n\u00e9gocier de meilleurs prix et les exerce moins de pression pour prendre des d\u00e9cisions h\u00e2tives.<\/span><\/p>\n<\/div>\n

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De plus, cela peut indiquer un march\u00e9 immobilier plus stable o\u00f9 ce sont les fondamentaux plut\u00f4t que les sp\u00e9culateurs qui d\u00e9terminent les prix.<\/span><\/p>\n<\/div>\n

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Numbeo montre que la standardisation des comparaisons entre les march\u00e9s est facilit\u00e9e par l’utilisation d’hypoth\u00e8ses r\u00e9alistes, comme la d\u00e9termination du loyer par m\u00e8tre carr\u00e9 en fonction de la taille r\u00e9elle des appartements (50 m\u00e8tres carr\u00e9s pour un appartement d’une chambre et 110 m\u00e8tres carr\u00e9s pour un appartement de trois chambres).<\/span><\/p>\n<\/div>\n

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Ce ratio offre n\u00e9anmoins une base solide pour \u00e9valuer l’accessibilit\u00e9 financi\u00e8re et faire des choix judicieux, m\u00eame sans tenir compte des taxes et des frais d’entretien.<\/span><\/p>\n<\/div>\n

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Au final, un faible ratio prix\/loyer avantage les acheteurs en <\/span>alignant le co\u00fbt de possession sur les valeurs locatives r\u00e9elles.<\/span><\/p>\n<\/div>\n

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Cela \u00e9tant dit, voici les principales villes africaines o\u00f9 le rapport prix\/loyer est le plus bas, ce qui indique que poss\u00e9der un logement est plus avantageux financi\u00e8rement que de payer un loyer, selon les donn\u00e9es de\u00a0<\/span>Numebo<\/span> .<\/span><\/p>\n<\/div>\n\n\n\n\n\n\n\n\n\n
\u00a0<\/caption>\n
<\/th>\nvilles<\/span><\/th>\npays<\/span><\/th>\nRapport prix\/loyer (centre-ville)<\/th>\nRapport prix\/loyer (hors centre-ville)<\/th>\n<\/tr>\n<\/thead>\n
1<\/td>\nPretoria<\/th>\n\u00a0Afrique du sud<\/td>\n7.8<\/td>\n7.3<\/td>\n<\/tr>\n
2<\/td>\nJohannesburg<\/th>\n\u00a0Afrique du Sud<\/td>\n8.4<\/td>\n8.0<\/td>\n<\/tr>\n
3<\/td>\nHarare<\/th>\n\u00a0Zimbabwe<\/td>\n8.7<\/td>\n5.0<\/td>\n<\/tr>\n
4<\/td>\nDurban<\/th>\n\u00a0Afrique du Sud<\/td>\n9.5<\/td>\n8.3<\/td>\n<\/tr>\n
5<\/td>\nCape Town<\/th>\n\u00a0Afrique du Sud<\/td>\n10.2<\/td>\n9.9<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

L’un des indicateurs les plus \u00e9vidents qu’il pourrait \u00eatre judicieux d’acheter une maison plut\u00f4t que de continuer \u00e0 louer est un rapport prix\/loyer plus faible. Cette statistique, qui compare le co\u00fbt d’acquisition d’une maison au\u00a0co\u00fbt de\u00a0sa location, est simple, mais elle fournit des informations utiles sur les avantages financiers \u00e0 long terme et l’accessibilit\u00e9 au …<\/p>\n","protected":false},"author":45,"featured_media":366134,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[189118,47,7020],"tags":[101,6770,11185,7022],"class_list":["post-380407","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une","category-afrique","category-societe","tag-afrique-du-sud","tag-locataire","tag-logement","tag-villes-africaines"],"yoast_head":"\n5 villes africaines o\u00f9 poss\u00e9der un logement est plus avantageux que d'\u00eatre locataire en 2026<\/title>\n<meta name=\"description\" content=\"5 villes africaines o\u00f9 poss\u00e9der un logement est plus avantageux que d'\u00eatre 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