Malgré tout ce que l’on entend, il n’est pas encore requis par la loi d’obtenir une étude de fonds de prévoyance, mais ce n’est qu’une question de temps ! Comme il est mieux de prévenir plutôt que guérir, tant les syndicats de copropriété divise, que les acheteurs potentiels et leurs courtiers immobiliers, ont tout intérêt à ce qu’une étude de fonds de prévoyance soit réalisée avant la date limite. Découvrez les avantages de faire affaires avec un inspecteur en bâtiment Inspec-Thor.
D’abord, qu’est-ce que le projet de loi 16 ?
Adoptée en 2019, le projet de loi 16 est une réforme importante du droit de la copropriété divise qui vise notamment à forcer les syndicats de copropriété existants à faire réaliser par un professionnel, et selon un cycle qui sera ultérieurement déterminé, une étude de fonds de prévoyance.
Le but : évaluer l’état des différentes parties communes d’un immeuble afin de prévoir une réserve d’argent suffisante pour payer les éventuelles réparations majeures et les coûts de remplacement.
Lorsque ce règlement, et les normes de réalisation seront adoptés par le gouvernement, les syndicats de copropriété auront 3 ans pour obtenir une première étude du fonds de prévoyance.
Agir maintenant pour bénéficier de plusieurs avantages !
Voici 4 bonnes raisons d’agir dès maintenant en faisant appel à un inspecteur certifié Inspec-Thor de votre région :
- Éviter les cotisations spéciales : tous les mois, les copropriétaires paient ce qu’on appelle des frais de condo pour entretenir et alimenter un fonds de réserve pour entretenir leur immeuble. La loi oblige les administrateurs à prélever un minimum de 5 % du budget annuel d’exploitation de la copropriété. Bien que le pourcentage réclamé puisse être plus élevé, allant parfois jusqu’à 20 %, il arrive que les copropriétaires aient à débourser davantage pour pallier le manque d’argent requis pour effectuer certains travaux. Ces cotisations dites « spéciales » peuvent s’avérer être un véritable casse-tête financier pour certains copropriétaires, en plus d’être complexe au niveau administratif ! Une étude de fonds de prévoyance évite ce cas de figure.
- Éviter les surprises : une étude de fonds de prévoyance a pour avantage bien évaluer les travaux d’entretien qui seront requis dans le futur et les sommes à prévoir. Un plan d’action transparent permet aux administrateurs d’anticiper les travaux à venir et mettre de côté les sommes nécessaires pour conserver l’immeuble en bon état, et préserver l’investissement des copropriétaires, sans surprise !
- Faire bonne figure auprès des assureurs : il est rassurant pour un assureur de savoir que le syndicat a les outils et les moyens pour bien entretenir son immeuble. Étant donné le nombre élevé de sinistres, plusieurs assureurs ont déserté le marché de la copropriété, et ceux qui restent ont significativement augmenté le prix des polices et des franchises. Une étude de fonds de prévoyance est donc un bon moyen de négocier et d’être mieux assuré !
- Augmenter la valeur de revente de l’immeuble : pour intéresser des acheteurs potentiels, il faut être en mesure de démontrer la santé financière et physique d’un bien, en l’occurrence une copropriété divise. Une étude de fonds de prévoyance permet aux syndicats de copropriété de gérer leur immeuble de manière plus efficace en appliquant les recommandations d’un professionnel, tel qu’un inspecteur en bâtiment Inspec-Thor.
En conclusion, bien que le projet de loi 16 ne rende pas obligatoire l’étude du fonds de prévoyance avant 2027 ou plus tard, il y a plusieurs avantages à l’obtenir avant la date limite.
Pour toute question, ou pour procéder à la réalisation d’une étude de fonds de prévoyance, contactez notre équipe dès aujourd’hui.
Toute reproduction interdite sans l’autorisation de l’auteur. — Tous droits réservés.
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