{"id":29184,"date":"2026-05-20T10:13:44","date_gmt":"2026-05-20T14:13:44","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/?p=29184"},"modified":"2026-05-20T10:13:46","modified_gmt":"2026-05-20T14:13:46","slug":"how-real-estate-can-be-a-strategic-asset-for-building-generational-wealth","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/insights\/how-real-estate-can-be-a-strategic-asset-for-building-generational-wealth","title":{"rendered":"L\u2019immobilier\u00a0: un actif strat\u00e9gique pour la constitution d\u2019un patrimoine g\u00e9n\u00e9rationnel"},"content":{"rendered":"\n<div class=\"wp-block-rbcwm-well well is-style-b-blue-tint-4\">\n<p><strong>Principaux points \u00e0 retenir&nbsp;:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L&rsquo;immobilier reste un vecteur essentiel de constitution de patrimoine pour les familles canadiennes fortun\u00e9es.<\/li>\n\n\n\n<li>L\u2019int\u00e9gration de l\u2019immobilier dans une strat\u00e9gie globale de gestion de patrimoine permet de s\u2019assurer que les biens immobiliers compl\u00e8tent les objectifs financiers.<\/li>\n\n\n\n<li>Les actifs immobiliers peuvent offrir une diversification, de la stabilit\u00e9 et une protection \u00e9ventuelle contre l\u2019inflation.<\/li>\n\n\n\n<li>Les structures telles que les fiducies peuvent am\u00e9liorer l&rsquo;efficience fiscale, la confidentialit\u00e9 et la planification successorale.<\/li>\n\n\n\n<li>Les banquiers priv\u00e9s aident les Canadiens ais\u00e9s \u00e0 g\u00e9rer le financement immobilier, les risques et les r\u00e8gles transfrontali\u00e8res.<\/li>\n\n\n\n<li>Gr\u00e2ce \u00e0 une planification judicieuse, un bien immobilier devient un actif interg\u00e9n\u00e9rationnel \u00e0 long terme.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>L\u2019immobilier est un actif que les Canadiens privil\u00e9gient. <strong><\/strong><\/p>\n\n\n\n<p>Pour certains, l\u2019immobilier ne se limite pas \u00e0 la r\u00e9sidence principale ou au chalet familial. Les particuliers et les familles ais\u00e9s acqui\u00e8rent souvent plusieurs biens immobiliers \u00e0 des fins d&rsquo;investissement et pour r\u00e9pondre \u00e0 leurs besoins professionnels, conscients que ceux-ci constituent des \u00e9l\u00e9ments essentiels de leurs strat\u00e9gies patrimoniales \u00e0 long terme.<\/p>\n\n\n\n<p>\u00ab&nbsp;L\u2019immobilier a toujours \u00e9t\u00e9 consid\u00e9r\u00e9 comme une solution de rechange ou un compl\u00e9ment aux portefeuilles traditionnels pour constituer un patrimoine \u00e0 long terme. Il offre une plus grande diversification et une meilleure stabilit\u00e9&nbsp;\u00bb, affirme Patrick&nbsp;Sum, vice-pr\u00e9sident, Pr\u00eats et chef d\u00e9l\u00e9gu\u00e9, Cr\u00e9dit, Banque priv\u00e9e.<\/p>\n\n\n\n<p>Il ajoute que les \u00e9valuations des biens immobiliers ont traditionnellement affich\u00e9 de faibles corr\u00e9lations avec les actions. \u00ab&nbsp;Elles peuvent offrir une bonne protection contre l\u2019inflation.&nbsp;\u00bb<\/p>\n\n\n\n<p>Selon M.&nbsp;Sum, les investissements dans des immeubles r\u00e9sidentiels ou commerciaux sont de plus en plus int\u00e9ressants compte tenu de la chute des taux d\u2019int\u00e9r\u00eat. Cependant, l\u2019ajout de biens immobiliers \u00e0 un portefeuille d\u00e9j\u00e0 complexe comporte plusieurs consid\u00e9rations financi\u00e8res, fiscales, juridiques et structurelles, et les faux pas peuvent avoir des cons\u00e9quences importantes.<\/p>\n\n\n\n<p>\u00ab&nbsp;Les d\u00e9cisions concernant les placements immobiliers ne devraient pas \u00eatre prises de fa\u00e7on isol\u00e9e&nbsp;\u00bb, d\u00e9clare Gloria&nbsp;DiGiovanni, premi\u00e8re directrice g\u00e9n\u00e9rale, Banque priv\u00e9e.<\/p>\n\n\n\n<p>Selon elle, le fait de coordonner ces investissements dans le contexte du patrimoine total d\u2019une famille permet de s\u2019assurer que l&rsquo;immobilier vient compl\u00e9ter la planification \u00e0 long terme plut\u00f4t que d&rsquo;entrer en conflit avec elle.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-banque-privee-integre-l-immobilier-dans-les-plans-financiers-generaux\"><strong>Banque priv\u00e9e int\u00e8gre l\u2019immobilier dans les plans financiers g\u00e9n\u00e9raux<\/strong><\/h2>\n\n\n\n<p>Les banquiers priv\u00e9s s\u2019efforcent de bien comprendre les besoins et <a href=\"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/solutions\/financial-planning\">les objectifs financiers globaux<\/a> de leurs clients. Ils peuvent ainsi les aider \u00e0 r\u00e9aliser le plein potentiel de l\u2019immobilier dans le cadre de leur strat\u00e9gie globale de gestion de patrimoine. Ces sp\u00e9cialistes peuvent \u00e9galement offrir des conseils aux clients qui acqui\u00e8rent des actifs \u00e0 l\u2019ext\u00e9rieur du Canada, ce qui peut faire intervenir des r\u00e8gles fiscales diff\u00e9rentes et complexes.<\/p>\n\n\n\n<p>Le fait d\u2019int\u00e9grer les investissements immobiliers dans des plans g\u00e9n\u00e9raux sert d\u2019assises \u00e0 l\u2019accroissement du patrimoine. Cela permet notamment aux clients d\u2019emprunter sur la valeur d\u2019une propri\u00e9t\u00e9 existante afin de tirer profit d\u2019autres occasions d\u2019investissement immobilier.<\/p>\n\n\n\n<p>\u00c9tant donn\u00e9 que la plupart des placements immobiliers comportent un emprunt, l\u2019un des principaux \u00e9l\u00e9ments \u00e0 prendre en consid\u00e9ration est l\u2019app\u00e9tit pour le risque du client, explique M.&nbsp;Sum. \u00ab&nbsp;Quelle est votre capacit\u00e9 \u00e0 faire face aux difficult\u00e9s financi\u00e8res, comme les p\u00e9riodes o\u00f9 une propri\u00e9t\u00e9 est vacante et ne g\u00e9n\u00e8re pas de revenus locatifs&nbsp;?&nbsp;\u00bb &nbsp;<\/p>\n\n\n\n<p>De nombreux clients de Banque priv\u00e9e ont les ressources financi\u00e8res pour g\u00e9rer de tels risques. Pourtant, chaque placement est unique, ce qui exige une planification sur mesure pour r\u00e9pondre aux besoins de chaque famille.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-de-quelle-facon-les-familles-fortunees-utilisent-elles-l-immobilier-pour-assurer-une-planification-successorale-fiscalement-avantageuse-nbsp\"><strong>De quelle fa\u00e7on les familles fortun\u00e9es utilisent-elles l\u2019immobilier pour assurer une planification successorale fiscalement avantageuse&nbsp;?<\/strong><\/h2>\n\n\n\n<p>\u00ab&nbsp;Bon nombre de clients fortun\u00e9s envisagent de mettre en place <a href=\"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/insights\/why-credit-belongs-in-the-tax-strategy-conversation\">des structures plus avantageuses sur le plan fiscal<\/a> qui tiennent compte des objectifs de succession et de legs&nbsp;\u00bb, d\u00e9clare M<sup>me<\/sup>&nbsp;DiGiovanni.<\/p>\n\n\n\n<p>Les fiducies sont couramment utilis\u00e9es par les clients de Banque priv\u00e9e \u00e0 RBC pour d\u00e9tenir des actifs immobiliers. \u00ab&nbsp;Si un client dispose d\u2019un plan interg\u00e9n\u00e9rationnel \u00e0 long terme, la fiducie peut offrir des avantages importants&nbsp;\u00bb, explique-t-elle. Cela comprend le transfert de patrimoine tout en pr\u00e9servant la confidentialit\u00e9, contrairement \u00e0 la propri\u00e9t\u00e9 individuelle, davantage expos\u00e9e au regard du public.<\/p>\n\n\n\n<p>D\u2019autres clients souhaitent d\u00e9tenir des immeubles de placement dans leur entreprise familiale, b\u00e9n\u00e9ficiant ainsi d\u2019avantages sur le plan de la fiscalit\u00e9 et de la constitution de patrimoine. Selon M<sup>me<\/sup>&nbsp;DiGiovanni, \u00ab&nbsp;la bonne structure d\u00e9pend vraiment des besoins de chaque client.&nbsp;\u00bb<\/p>\n\n\n\n<p>Banque priv\u00e9e offre des perspectives sur le march\u00e9, ainsi qu\u2019une analyse et une planification globales, afin de d\u00e9terminer la strat\u00e9gie de financement la plus avantageuse. \u00ab&nbsp;Le client a acc\u00e8s \u00e0 <a href=\"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/solutions\/credit-and-lending\">des solutions de cr\u00e9dit avanc\u00e9es<\/a> qui ne sont pas offertes par les r\u00e9seaux bancaires traditionnels&nbsp;\u00bb, ajoute M<sup>me<\/sup>&nbsp;DiGiovanni.<\/p>\n\n\n\n<p>Lorsqu\u2019un bien immobilier est plus qu\u2019un lieu de r\u00e9sidence ou de vill\u00e9giature, mais une cat\u00e9gorie d\u2019actif strat\u00e9gique, il peut cro\u00eetre \u00e0 long terme, g\u00e9n\u00e9rer des revenus et faire cro\u00eetre le patrimoine pour les g\u00e9n\u00e9rations futures. Une expertise et de bons conseils peuvent renforcer ces objectifs et aider les clients \u00e0 mettre \u00e0 l\u2019\u00e9preuve divers sc\u00e9narios.<\/p>\n\n\n\n<p>Selon M<sup>me<\/sup>&nbsp;DiGiovanni, \u00ab&nbsp;les conditions du march\u00e9 sont importantes, mais les objectifs de patrimoine \u00e0 long terme devraient dicter les d\u00e9cisions plus que l\u2019anticipation du march\u00e9. C\u2019est pourquoi les membres d\u2019une \u00e9quipe relationnelle de Banque priv\u00e9e sont pr\u00e9cieux pour les familles avec lesquelles nous travaillons. Nous sommes l\u00e0 pour eux avant et apr\u00e8s toute op\u00e9ration, pour veiller \u00e0 ce qu\u2019ils atteignent leurs objectifs aujourd\u2019hui et \u00e0 long terme.&nbsp;\u00bb<\/p>\n\n\n\n<div class=\"wp-block-rbcwm-well well is-style-b-blue-tint-4\">\n<p><em><em>Bien plus qu\u2019un investissement, l\u2019immobilier peut \u00eatre consid\u00e9r\u00e9 comme un outil strat\u00e9gique pour constituer un patrimoine et le pr\u00e9server d\u2019une g\u00e9n\u00e9ration \u00e0 l\u2019autre. Visitez <\/em><a href=\"https:\/\/www.rbcwealthmanagement.com\/fr-ca\/private-banking\"><em>RBC Banque priv\u00e9e<\/em><\/a><em> pour savoir comment les banquiers priv\u00e9s aident les familles fortun\u00e9es \u00e0 int\u00e9grer l\u2019immobilier dans leur strat\u00e9gie de gestion de patrimoine.<\/em><\/em><\/p>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><em>Cet article a \u00e9t\u00e9 publi\u00e9 \u00e0 l\u2019origine dans <\/em><a href=\"https:\/\/www.theglobeandmail.com\/business\/adv\/article-how-real-estate-can-be-a-strategic-asset-for-building-generational\/\" target=\"_blank\" rel=\"noreferrer noopener\"><em>le Globe and Mail <\/em><\/a><em>.<\/em> <strong>[S\u2019il vous pla\u00eet noter\u00a0: Ce lien va \u00e0 un article en anglais.]<\/strong><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bien plus qu\u2019un investissement, l\u2019immobilier peut \u00eatre consid\u00e9r\u00e9 comme un outil strat\u00e9gique pour constituer un patrimoine et le pr\u00e9server d\u2019une g\u00e9n\u00e9ration \u00e0 l\u2019autre. <\/p>\n","protected":false},"author":22,"featured_media":29197,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[527,512],"tags":[1143],"rbcwm_content_owner":[1134],"rbcwm_need":[546,548,547,552],"rbcwm_segment":[538],"rbcwm_solution":[550],"rbcwm_topic":[549,551],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-29184","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-heritage","category-immobilier","tag-limmobilier","rbcwm_content_owner-private-banking","rbcwm_need-croissance","rbcwm_need-dons-de-charite","rbcwm_need-preservation","rbcwm_need-vivre","rbcwm_segment-particuliers-et-familles","rbcwm_solution-planification-de-patrimoine","rbcwm_topic-immobilier","rbcwm_topic-votre-patrimoine"],"acf":{"rbcwm_subtitle":"Bien plus qu\u2019un investissement, l\u2019immobilier peut \u00eatre consid\u00e9r\u00e9 comme un outil strat\u00e9gique pour constituer un patrimoine et le pr\u00e9server d\u2019une g\u00e9n\u00e9ration \u00e0 l\u2019autre. ","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":"","disclaimer_footnote":"Le pr\u00e9sent article vise \u00e0 offrir uniquement des renseignements g\u00e9n\u00e9raux et il n\u2019a pas pour objet de fournir des conseils juridiques ou financiers ni d\u2019autres conseils professionnels. Veuillez consulter un conseiller professionnel en ce qui concerne votre situation particuli\u00e8re. Les renseignements pr\u00e9sent\u00e9s sont r\u00e9put\u00e9s \u00eatre factuels et \u00e0 jour, mais nous ne garantissons pas leur exactitude et ils ne devraient pas \u00eatre consid\u00e9r\u00e9s comme constituant une analyse exhaustive des sujets abord\u00e9s. Les opinions exprim\u00e9es refl\u00e8tent le jugement de leur auteur \u00e0 la date de publication et peuvent changer. La Banque Royale du Canada et ses soci\u00e9t\u00e9s affili\u00e9es ne font pas la promotion, explicitement ou implicitement, des conseils, des avis, des renseignements, des produits ou des services de tiers."},"rbcwm_insight_cta_id":[10888],"rbcwm_pagination":{"next_link":"","next_link_text":"Next article","previous_link":"","previous_link_text":"Previous article"},"rbcwm_video_duration":"","article_time":"","rbcwm_enable_toc":false,"rbcwm_toc_selector":"h2"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>L\u2019immobilier\u00a0: un actif strat\u00e9gique pour la constitution d\u2019un patrimoine g\u00e9n\u00e9rationnel<\/title>\n<meta name=\"description\" content=\"Bien plus qu\u2019un investissement, l\u2019immobilier peut \u00eatre consid\u00e9r\u00e9 comme un outil strat\u00e9gique pour constituer un patrimoine et le pr\u00e9server d\u2019une 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