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                      mask-image: none;}.brz .brz-css-d-image-wmycbuthwhs9-parent .brz-picture{filter:none;}.brz .brz-css-d-image-wmycbuthwhs9-parent, .brz .brz-css-d-image-wmycbuthwhs9-parent .brz-picture:after, .brz .brz-css-d-image-wmycbuthwhs9-parent .brz-picture, .brz .brz-css-d-image-wmycbuthwhs9-parent.brz-image--withHover img.brz-img, .brz .brz-css-d-image-wmycbuthwhs9-parent.brz-image--withHover img.dynamic-image, .brz .brz-css-d-image-wmycbuthwhs9-parent.brz-image--withHover .brz-img__hover{transition-duration:0.50s;transition-property: filter, box-shadow, background, border-radius, border-color;}.brz .brz-css-d-image-jqypvwrnacwawporsvvjbgwjpmghxxzsgwdq-parent:not(.brz-image--hovered){max-width: 80%;}.brz .brz-css-d-image-jqypvwrnacwawporsvvjbgwjpmghxxzsgwdq-parent{height: auto;border-radius: 0px;mix-blend-mode:normal;}.brz .brz-css-d-image-jqypvwrnacwawporsvvjbgwjpmghxxzsgwdq-parent{box-shadow:none;border:0px solid rgba(102, 115, 141, 0);}.brz .brz-css-d-image-jqypvwrnacwawporsvvjbgwjpmghxxzsgwdq-parent .brz-picture:after{border-radius: 0px;}.brz .brz-css-d-image-jqypvwrnacwawporsvvjbgwjpmghxxzsgwdq-parent .brz-picture:after{box-shadow:none;background-color:rgba(255, 255, 255, 0);background-image:none;}.brz .brz-css-d-image-jqypvwrnacwawporsvvjbgwjpmghxxzsgwdq-parent .brz-picture{-webkit-mask-image: none;
                      mask-image: none;}.brz .brz-css-d-image-jqypvwrnacwawporsvvjbgwjpmghxxzsgwdq-parent .brz-picture{filter:none;}.brz .brz-css-d-image-jqypvwrnacwawporsvvjbgwjpmghxxzsgwdq-parent, .brz .brz-css-d-image-jqypvwrnacwawporsvvjbgwjpmghxxzsgwdq-parent .brz-picture:after, .brz .brz-css-d-image-jqypvwrnacwawporsvvjbgwjpmghxxzsgwdq-parent .brz-picture, .brz .brz-css-d-image-jqypvwrnacwawporsvvjbgwjpmghxxzsgwdq-parent.brz-image--withHover img.brz-img, .brz .brz-css-d-image-jqypvwrnacwawporsvvjbgwjpmghxxzsgwdq-parent.brz-image--withHover img.dynamic-image, .brz .brz-css-d-image-jqypvwrnacwawporsvvjbgwjpmghxxzsgwdq-parent.brz-image--withHover .brz-img__hover{transition-duration:0.50s;transition-property: filter, box-shadow, background, border-radius, border-color;}@media(max-width:991px) and (min-width:768px){.brz .brz-css-d-image-jqypvwrnacwawporsvvjbgwjpmghxxzsgwdq-parent:not(.brz-image--hovered){max-width: 90%;}}.brz .brz-css-d-button.brz-btn--hover:not(.brz-btn--hover-in), .brz .brz-css-d-button.brz-btn--hover-in:before{background-color:rgba(var(--brz-global-color3),1);background-image:none;}.brz .brz-css-d-button.brz-btn--hover:not(.brz-btn--hover-in):before, .brz .brz-css-d-button.brz-btn--hover-in{background-color: rgba(var(--brz-global-color3),0.8);background-image:none;}.brz .brz-css-d-button.brz-btn--hover:not(.brz-btn--hover-in), .brz .brz-css-d-button.brz-btn--hover-in:before, .brz .brz-css-d-button.brz-btn--hover:not(.brz-btn--hover-in):before, .brz .brz-css-d-button.brz-btn--hover-in{transition-duration:0.6s;}@media(min-width:991px){.brz .brz-css-d-button.brz-back-pulse:before{animation-duration:0.6s;}}@media(max-width:991px) and (min-width:768px){.brz .brz-css-d-button.brz-back-pulse:before{animation-duration:0.6s;}}@media(max-width:767px){.brz .brz-css-d-button.brz-back-pulse:before{animation-duration:0.6s;}}.brz .brz-css-d-row-container{padding:10px;max-width:100%;}@media(max-width:991px) and (min-width:768px){.brz .brz-css-d-row-container{padding:0;}}@media(max-width:767px){.brz .brz-css-d-row-container{padding:0;}}.brz .brz-css-d-cloneable{z-index: auto;position:relative;margin:10px 0px 10px 0px;justify-content:center;padding:0;gap:20px 10px;}@media(min-width:991px){.brz .brz-css-d-cloneable{position:relative;}.brz .brz-css-d-cloneable{display:flex;}}@media(max-width:991px) and (min-width:768px){.brz .brz-css-d-cloneable{position:relative;}.brz .brz-css-d-cloneable{display:flex;}}@media(max-width:767px){.brz .brz-css-d-cloneable{position:relative;}.brz .brz-css-d-cloneable{display:flex;}}.brz .brz-css-d-cloneable-container{justify-content:center;padding:0;gap:20px 10px;}.brz .brz-css-d-button-bg.brz-btn{font-family:var(--brz-buttonfontfamily, initial);font-weight:var(--brz-buttonfontweight, initial);font-size:var(--brz-buttonfontsize, initial);line-height:var(--brz-buttonlineheight, initial);letter-spacing:var(--brz-buttonletterspacing, initial);font-variation-settings:var(--brz-buttonfontvariation, initial);font-weight:var(--brz-buttonbold, initial);font-style:var(--brz-buttonitalic, initial);text-decoration:var(--brz-buttontextdecoration, initial) !important;text-transform:var(--brz-buttontexttransform, initial) !important;border-radius: 0;flex-flow:row-reverse nowrap;padding:14px 42px 14px 42px;padding: 14px 42px; width: auto;}.brz .brz-css-d-button-bg.brz-btn{color:rgba(var(--brz-global-color8),1);border:2px solid rgba(var(--brz-global-color3),1);box-shadow:none;}.brz .brz-css-d-button-bg.brz-btn:not(.brz-btn--hover){background-color:rgba(var(--brz-global-color3),1);background-image:none;}.brz .brz-css-d-button-bg.brz-btn .brz-icon-svg-custom{background-color:rgba(var(--brz-global-color8),1);}.brz .brz-css-d-button-bg.brz-btn.brz-btn-submit{color:rgba(var(--brz-global-color8),1);background-color:rgba(var(--brz-global-color3),1);background-image:none;}.brz .brz-css-d-button-bg:after{height: unset;}.brz .brz-css-d-button-bg .brz-btn--story-container{border:2px solid rgba(var(--brz-global-color3),1);flex-flow:row-reverse nowrap;border-radius: 0;}.brz .brz-css-d-button-bg .brz-btn--story-container:after{height: unset;}.brz .brz-css-d-button-bg.brz-btn, .brz .brz-css-d-button-bg.brz-btn .brz-icon-svg-custom, .brz .brz-css-d-button-bg.brz-btn.brz-btn-submit{transition-duration:0.50s;transition-property: filter, color, background, border-color, box-shadow;}@media(min-width:991px){.brz .brz-css-d-button-bg.brz-btn:not(.brz-btn--hover):hover{background-color:rgba(var(--brz-global-color3),0.8);}.brz .brz-css-d-button-bg.brz-btn.brz-btn-submit:hover{background-color:rgba(var(--brz-global-color3),0.8);}}@media(max-width:991px) and (min-width:768px){.brz .brz-css-d-button-bg.brz-btn{font-weight:var(--brz-buttontabletfontweight, initial);font-size:var(--brz-buttontabletfontsize, initial);line-height:var(--brz-buttontabletlineheight, initial);letter-spacing:var(--brz-buttontabletletterspacing, initial);font-variation-settings:var(--brz-buttontabletfontvariation, initial);font-weight:var(--brz-buttontabletbold, initial);font-style:var(--brz-buttontabletitalic, initial);text-decoration:var(--brz-buttontablettextdecoration, initial) !important;text-transform:var(--brz-buttontablettexttransform, initial) !important;padding:11px 26px 11px 26px;padding: 11px 26px; width: auto;}}@media(max-width:767px){.brz .brz-css-d-button-bg.brz-btn{font-weight:var(--brz-buttonmobilefontweight, initial);font-size:var(--brz-buttonmobilefontsize, initial);line-height:var(--brz-buttonmobilelineheight, initial);letter-spacing:var(--brz-buttonmobileletterspacing, initial);font-variation-settings:var(--brz-buttonmobilefontvariation, initial);font-weight:var(--brz-buttonmobilebold, initial);font-style:var(--brz-buttonmobileitalic, initial);text-decoration:var(--brz-buttonmobiletextdecoration, initial) !important;text-transform:var(--brz-buttonmobiletexttransform, initial) !important;padding:11px 26px 11px 26px;padding: 11px 26px; width: auto;}}.brz .brz-css-d-wrapper{padding:0;margin:10px 0px 10px 0px;justify-content:center;position:relative;}.brz .brz-css-d-wrapper .brz-wrapper-transform{transform: none;}@media(min-width:991px){.brz .brz-css-d-wrapper{display:flex;z-index: auto;position:relative;}}@media(max-width:991px) and (min-width:768px){.brz .brz-css-d-wrapper{display:flex;z-index: auto;position:relative;}}@media(max-width:767px){.brz .brz-css-d-wrapper{display:flex;z-index: auto;position:relative;}}.brz .brz-css-d-spacer{height:50px;}.brz .brz-css-d-richtext{width:100%;mix-blend-mode:normal;}.brz .brz-css-d-sectionpopup2 > .brz-bg > .brz-bg-image{-webkit-mask-image: none;
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.brz-popup2__close:hover .brz-icon-svg{background-color:rgba(0, 0, 0, 0);box-shadow:none;}.brz .brz-css-d-sectionpopup2-bg .brz-container > .brz-row__container{min-height: auto;align-items:center;}.brz .brz-css-d-tabs > .brz-tabs__nav .brz-tabs__nav--item, .brz .brz-css-d-tabs > .brz-tabs__content > .brz-tabs__items > .brz-tabs__nav--mobile .brz-tabs__nav--button{font-family:'Lato', sans-serif;font-size:16px;font-weight:400;line-height:1.5;letter-spacing:0px;font-style:inherit;text-decoration:inherit !important;text-transform:inherit !important;}.brz .brz-css-d-tabs > .brz-tabs__nav.brz-tabs__nav--horizontal{justify-content:flex-start;}.brz .brz-css-d-tabs > .brz-tabs__nav.brz-tabs__nav--horizontal.brz-tabs__nav--style-2{margin-bottom: 30px;}.brz .brz-css-d-tabs > .brz-tabs__nav.brz-tabs__nav--vertical.brz-tabs__nav--style-2{margin: 0 30px 0 0;}.brz .brz-css-d-tabs > .brz-tabs__content > .brz-tabs__items{background-color:rgba(255, 255, 255, 1);border:2px solid rgba(220, 222, 225, 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.brz-tabs__nav .brz-tabs__nav--button{flex-direction: row;justify-content: flex-start;}.brz .brz-css-d-tabs > .brz-tabs__content .brz-tabs__nav--button .brz-icon-svg{margin: 0 10px 0 0;font-size:16px;min-width:16px;}.brz .brz-css-d-tabs > .brz-tabs__content .brz-tabs__nav--button{flex-direction: row;justify-content: flex-start;}.brz .brz-css-d-tabs > .brz-tabs__nav--style-1 .brz-tabs__nav--active .brz-tabs__nav--button{color:rgba(115, 119, 127, 0.7);background-color:rgba(255, 255, 255, 1);box-shadow:none;border:2px solid rgba(220, 222, 225, 1);}.brz .brz-css-d-tabs > .brz-tabs__nav--style-2 .brz-tabs__nav--active .brz-tabs__nav--button{color:rgba(115, 119, 127, 0.7);background-color:rgba(255, 255, 255, 1);box-shadow:none;border:2px solid rgba(220, 222, 225, 1);}.brz .brz-css-d-tabs > .brz-tabs__nav--style-3 .brz-tabs__nav--active .brz-tabs__nav--button{color:rgba(115, 119, 127, 0.7);}.brz .brz-css-d-tabs > .brz-tabs__content > .brz-tabs__items > .brz-tabs__nav--mobile.brz-tabs__nav--mobile--active .brz-tabs__nav--button{border-width: 0 0 2px 0;color:rgba(115, 119, 127, 0.7);background-color:rgba(255, 255, 255, 1);}.brz .brz-css-d-tabs > .brz-tabs__content > .brz-tabs__items > .brz-tabs__nav--mobile .brz-tabs__nav--button{background-color:rgba(255, 255, 255, 1);color:rgba(115, 119, 127, 0.7);}.brz .brz-css-d-tabs > .brz-tabs__nav .brz-tabs__nav--button .brz-icon-svg{margin: 0 10px 0 0;font-size:16px;min-width:16px;}.brz .brz-css-d-tabs > .brz-tabs__nav--horizontal.brz-tabs__nav--style-1 .brz-tabs__nav--active .brz-tabs__nav--button{border-bottom-color: rgba(255, 255, 255, 1);}.brz .brz-css-d-tabs > .brz-tabs__nav--vertical.brz-tabs__nav--style-1.brz-tabs__nav--left .brz-tabs__nav--active .brz-tabs__nav--button{border-right-color: rgba(255, 255, 255, 1);}.brz .brz-css-d-tabs > .brz-tabs__nav--vertical.brz-tabs__nav--style-1.brz-tabs__nav--right .brz-tabs__nav--active .brz-tabs__nav--button{border-left-color: rgba(255, 255, 255, 1);}.brz .brz-css-d-tabs > .brz-tabs__nav--horizontal .brz-tabs__nav--item{justify-content:flex-start;}.brz .brz-css-d-tabs > .brz-tabs__nav--horizontal .brz-tabs__nav--active::after{background-color: rgba(220, 222, 225, 1); z-index: 1;height: 2px;right: calc(-100vw + 2px);}.brz .brz-css-d-tabs > .brz-tabs__nav--horizontal .brz-tabs__nav--active::before{background-color: rgba(220, 222, 225, 1); z-index: 1;height: 2px;left: calc(-100vw + 2px);}.brz .brz-css-d-tabs > .brz-tabs__nav--vertical .brz-tabs__nav--active::after{background-color: rgba(220, 222, 225, 1); z-index: 1;width:2px;top: calc(100% - 2px);}.brz .brz-css-d-tabs > .brz-tabs__nav--vertical .brz-tabs__nav--active::before{background-color: rgba(220, 222, 225, 1); z-index: 1;width:2px;bottom: calc(100% - 2px);}.brz .brz-css-d-tabs .brz-tabs__item--content{padding:0px 10px 0px 10px;}.brz .brz-css-d-tabs > .brz-tabs__nav--horizontal .brz-tabs__nav--item:not(:last-child){margin: 0 3px 0 0;}.brz .brz-css-d-tabs > .brz-tabs__nav--vertical .brz-tabs__nav--item:not(:last-child){margin: 0 3px 0 0;}.brz .brz-css-d-tabs.brz-tabs.brz-tabs--style-3{background-color:rgba(255, 255, 255, 1);padding:0px 10px 0px 10px;}.brz .brz-css-d-tabs > .brz-tabs__nav.brz-tabs__nav--style-3 .brz-tabs__nav--item::before{content: ""; width: 105vw; height: 2px;  background-color: rgba(220, 222, 225, 1); position:absolute; top: auto; bottom: 0; z-index: 1;}.brz .brz-css-d-tabs > .brz-tabs__nav.brz-tabs__nav--style-3 .brz-tabs__nav--item::after{content: ""; width: 105vw; height: 2px;  background-color: rgba(220, 222, 225, 1); position:absolute; top: auto; bottom: 0; z-index: 1;}.brz .brz-css-d-tabs > .brz-tabs__nav.brz-tabs__nav--style-3 .brz-tabs__nav--active .brz-tabs__nav--button:before{content: ""; width: 100%; height: 2px;  background-color: rgba(220, 222, 225, 1); position:absolute; bottom: 0; inset-inline-start: 0; z-index: 2;}.brz .brz-css-d-tabs > .brz-tabs__nav.brz-tabs__nav--style-3 .brz-tabs__nav--item::after, .brz .brz-css-d-tabs > .brz-tabs__nav.brz-tabs__nav--style-3 .brz-tabs__nav--item::before, .brz .brz-css-d-tabs > .brz-tabs__nav--vertical .brz-tabs__nav--active::before, .brz .brz-css-d-tabs > .brz-tabs__nav--vertical .brz-tabs__nav--active::after, .brz .brz-css-d-tabs > .brz-tabs__nav--horizontal .brz-tabs__nav--active::before, .brz .brz-css-d-tabs > .brz-tabs__nav--horizontal .brz-tabs__nav--active::after, .brz .brz-css-d-tabs > .brz-tabs__nav .brz-tabs__nav--button, .brz .brz-css-d-tabs > .brz-tabs__nav .brz-tabs__nav--item.brz-tabs__nav--active .brz-tabs__nav--button .brz-icon-svg-custom, .brz .brz-css-d-tabs > .brz-tabs__nav .brz-tabs__nav--item:not(.brz-tabs__nav--active) .brz-tabs__nav--button .brz-icon-svg-custom, .brz .brz-css-d-tabs > .brz-tabs__nav .brz-tabs__nav--item:not(.brz-tabs__nav--active) .brz-tabs__nav--button, .brz .brz-css-d-tabs > brz-tabs__nav--item, .brz .brz-css-d-tabs > .brz-tabs__content > .brz-tabs__items, .brz .brz-css-d-tabs > .brz-tabs__nav .brz-tabs__nav--item, .brz .brz-css-d-tabs > .brz-tabs__content > .brz-tabs__items > .brz-tabs__nav--mobile .brz-tabs__nav--button{transition-duration:0.50s;transition-property: filter, color, background, border-color, box-shadow;}@media(max-width:991px) and (min-width:768px){.brz .brz-css-d-tabs > .brz-tabs__nav .brz-tabs__nav--item, .brz .brz-css-d-tabs > .brz-tabs__content > .brz-tabs__items > .brz-tabs__nav--mobile .brz-tabs__nav--button{font-size:14px;}}@media(max-width:767px){.brz .brz-css-d-tabs > .brz-tabs__nav .brz-tabs__nav--item, .brz .brz-css-d-tabs > .brz-tabs__content > .brz-tabs__items > .brz-tabs__nav--mobile .brz-tabs__nav--button{font-size:14px;}}.brz .brz-css-d-column-column{z-index: auto;flex:1 1 50%;max-width:50%;justify-content:flex-start;max-height:none;}.brz .brz-css-d-column-column .brz-columns__scroll-effect{justify-content:flex-start;}.brz .brz-css-d-column-column > .brz-bg{margin:0;mix-blend-mode:normal;border-radius: 0px;}.brz .brz-css-d-column-column > .brz-bg{border:0px solid rgba(102, 115, 141, 0);box-shadow:none;}.brz .brz-css-d-column-column > .brz-bg > .brz-bg-image{background-size:cover;background-repeat: no-repeat;-webkit-mask-image: none;
                      mask-image: none;}.brz .brz-css-d-column-column > .brz-bg > .brz-bg-image{background-image:none;filter:none;display:block;}.brz .brz-css-d-column-column > .brz-bg > .brz-bg-image:after{content: "";background-image:none;}.brz .brz-css-d-column-column > .brz-bg > .brz-bg-color{-webkit-mask-image: none;
                      mask-image: none;}.brz .brz-css-d-column-column > .brz-bg > .brz-bg-color{background-color:rgba(0, 0, 0, 0);background-image:none;}.brz .brz-css-d-column-column > .brz-bg > .brz-bg-map{display:none;}.brz .brz-css-d-column-column > .brz-bg > .brz-bg-map{filter:none;}.brz .brz-css-d-column-column > .brz-bg > .brz-bg-video{display:none;}.brz .brz-css-d-column-column > .brz-bg > .brz-bg-video{filter:none;}.brz .brz-css-d-column-column > .brz-bg, .brz .brz-css-d-column-column > .brz-bg > .brz-bg-image, .brz .brz-css-d-column-column > .brz-bg > .brz-bg-color{transition-duration:0.50s;transition-property: filter, box-shadow, background, border-radius, border-color;}@media(max-width:767px){.brz .brz-css-d-column-column{flex:1 1 100%;max-width:100%;}.brz .brz-css-d-column-column > .brz-bg{margin:10px 0px 10px 0px;}}.brz .brz-css-d-column-bg.brz-column__items{z-index: auto;margin:0;border:0px solid transparent;padding:5px 15px 5px 15px;min-height:100%; max-height:none; justify-content: inherit;transition-duration:0.50s;transition-property: filter, box-shadow, background, border-radius, border-color;}@media(min-width:991px){.brz .brz-css-d-column-bg{display:flex;}}@media(max-width:991px) and (min-width:768px){.brz .brz-css-d-column-bg{display:flex;}}@media(max-width:767px){.brz .brz-css-d-column-bg.brz-column__items{margin:10px 0px 10px 0px;padding:0;}}@media(max-width:767px){.brz .brz-css-d-column-bg{display:flex;}}.brz .brz-css-d-row-row{margin:0;z-index: auto;align-items:flex-start;}.brz .brz-css-d-row-row > .brz-bg{border-radius: 0px;max-width:100%;mix-blend-mode:normal;}.brz .brz-css-d-row-row > .brz-bg{border:0px solid rgba(102, 115, 141, 0);box-shadow:none;}.brz .brz-css-d-row-row > .brz-bg > .brz-bg-image{background-size:cover;background-repeat: no-repeat;-webkit-mask-image: none;
                      mask-image: none;}.brz .brz-css-d-row-row > .brz-bg > .brz-bg-image{background-image:none;filter:none;display:block;}.brz .brz-css-d-row-row > .brz-bg > .brz-bg-image:after{content: "";background-image:none;}.brz .brz-css-d-row-row > .brz-bg > .brz-bg-color{-webkit-mask-image: none;
                      mask-image: none;}.brz .brz-css-d-row-row > .brz-bg > .brz-bg-color{background-color:rgba(0, 0, 0, 0);background-image:none;}.brz .brz-css-d-row-row > .brz-bg > .brz-bg-map{display:none;}.brz .brz-css-d-row-row > .brz-bg > .brz-bg-map{filter:none;}.brz .brz-css-d-row-row > .brz-bg > .brz-bg-video{display:none;}.brz .brz-css-d-row-row > .brz-bg > .brz-bg-video{filter:none;}.brz .brz-css-d-row-row > .brz-row{border:0px solid transparent;}.brz .brz-css-d-row-row > .brz-row, .brz .brz-css-d-row-row > .brz-bg > .brz-bg-video, .brz .brz-css-d-row-row > .brz-bg, .brz .brz-css-d-row-row > .brz-bg > .brz-bg-image, .brz .brz-css-d-row-row > .brz-bg > .brz-bg-color{transition-duration:0.50s;transition-property: filter, box-shadow, background, border-radius, border-color;}@media(min-width:991px){.brz .brz-css-d-row-row{min-height: auto;display:flex;}}@media(max-width:991px) and (min-width:768px){.brz .brz-css-d-row-row > .brz-row{flex-direction:row;flex-wrap:wrap;justify-content:flex-start;}}@media(max-width:991px) and (min-width:768px){.brz .brz-css-d-row-row{min-height: auto;display:flex;}}@media(max-width:767px){.brz .brz-css-d-row-row > .brz-row{flex-direction:row;flex-wrap:wrap;justify-content:flex-start;}}@media(max-width:767px){.brz .brz-css-d-row-row{min-height: auto;display:flex;}}.brz .brz-css-r-wrapper{margin:0;}.brz .brz-css-r-row-container{padding:0;}.brz .brz-css-z6Qtt{margin-top:0px !important;margin-bottom:0px !important;text-align:left!important;font-family:var(--brz-paragraphfontfamily, initial) !important;font-size:var(--brz-paragraphfontsize, initial);line-height:var(--brz-paragraphlineheight, initial);font-weight:var(--brz-paragraphfontweight, initial);letter-spacing:var(--brz-paragraphletterspacing, initial);font-variation-settings:var(--brz-paragraphfontvariation, initial);font-weight:var(--brz-paragraphbold, initial);font-style:var(--brz-paragraphitalic, 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                      mask-image: none;}.brz .brz-css-1b80d9f:hover > .brz-bg > .brz-bg-image{background-image:none;filter:none;display:block;}.brz .brz-css-1b80d9f:hover > .brz-bg > .brz-bg-image:after{content: "";background-image:none;}.brz .brz-css-1b80d9f > .brz-bg > .brz-bg-color{-webkit-mask-image: none;
                      mask-image: none;}.brz .brz-css-1b80d9f:hover > .brz-bg > .brz-bg-color{background-color:rgba(0, 0, 0, 0);background-image:none;}.brz .brz-css-1b80d9f > .brz-bg > .brz-bg-map{display:none;}.brz .brz-css-1b80d9f:hover > .brz-bg > .brz-bg-map{filter:none;}.brz .brz-css-1b80d9f > .brz-bg > .brz-bg-video{display:none;}.brz .brz-css-1b80d9f:hover > .brz-bg > .brz-bg-video{filter:none;}.brz .brz-css-1b80d9f:hover > .brz-row{border:0px solid transparent;}.brz .brz-css-1b80d9f > .brz-row, .brz .brz-css-1b80d9f > .brz-bg > .brz-bg-video, .brz .brz-css-1b80d9f > .brz-bg, .brz .brz-css-1b80d9f > .brz-bg > .brz-bg-image, .brz .brz-css-1b80d9f > .brz-bg > .brz-bg-color{transition-duration:0.50s;transition-property: filter, box-shadow, background, border-radius, border-color;}}@media(min-width:991px){.brz .brz-css-1b80d9f{min-height: auto;display:flex;}}@media(min-width:991px){.brz .brz-css-ayhgk3:hover{border:0px solid transparent;}}@media(min-width:991px){.brz .brz-css-ayhgk3{max-width: calc(1 * var(--brz-section-container-max-width, 1170px));}}.brz .brz-css-jvog22{padding:15px 0px 15px 0px;}@media(min-width:991px){.brz .brz-css-jvog22{padding:15px 0px 15px 0px;}.brz .brz-css-jvog22 > .brz-bg{border-radius: 0px;mix-blend-mode:normal;}.brz .brz-css-jvog22:hover > .brz-bg{border:0px solid rgba(102, 115, 141, 0);}.brz .brz-css-jvog22 > .brz-bg > .brz-bg-image{background-size:cover;background-repeat: no-repeat;-webkit-mask-image: none;
                      mask-image: none;}.brz .brz-css-jvog22:hover > .brz-bg > .brz-bg-image{background-image:none;filter:none;display:block;}.brz .brz-css-jvog22:hover > .brz-bg > .brz-bg-image:after{content: "";background-image:none;}.brz .brz-css-jvog22 > .brz-bg > .brz-bg-color{-webkit-mask-image: none;
                      mask-image: none;}.brz .brz-css-jvog22:hover > .brz-bg > .brz-bg-color{background-color:rgba(0, 0, 0, 0);background-image:none;}.brz .brz-css-jvog22 > .brz-bg > .brz-bg-map{display:none;}.brz .brz-css-jvog22:hover > .brz-bg > .brz-bg-map{filter:none;}.brz .brz-css-jvog22 > .brz-bg > .brz-bg-video{display:none;}.brz .brz-css-jvog22:hover > .brz-bg > .brz-bg-video{filter:none;}.brz .brz-css-jvog22 > .brz-bg > .brz-bg-shape__top{background-size: 100% 100px; height: 100px;transform: scale(1.02) rotateX(0deg) rotateY(0deg);z-index: auto;}.brz .brz-css-jvog22 > .brz-bg > .brz-bg-shape__top::after{background-image: none; -webkit-mask-image: none;background-size: 100% 100px; height: 100px;}.brz .brz-css-jvog22 > .brz-bg > .brz-bg-shape__bottom{background-size: 100% 100px; height: 100px;transform: scale(1.02) rotateX(-180deg) rotateY(-180deg);z-index: auto;}.brz .brz-css-jvog22 > .brz-bg > .brz-bg-shape__bottom::after{background-image: none; -webkit-mask-image: none;background-size: 100% 100px; height: 100px;}.brz .brz-css-jvog22 > .brz-bg > .brz-bg-slideshow  .brz-bg-slideshow-item{display: none;background-position: 50% 50%;}.brz .brz-css-jvog22:hover > .brz-bg > .brz-bg-slideshow  .brz-bg-slideshow-item{filter:none;}.brz .brz-css-jvog22 > .brz-bg, .brz .brz-css-jvog22 > .brz-bg > .brz-bg-image, .brz .brz-css-jvog22 > .brz-bg > .brz-bg-map, .brz .brz-css-jvog22 > .brz-bg > .brz-bg-color, .brz .brz-css-jvog22 > .brz-bg > .brz-bg-video{transition-duration:0.50s;transition-property: filter, box-shadow, background, border-radius, border-color;}}@media(min-width:991px){.brz .brz-css-jvog22:hover > .brz-bg > .brz-bg-image{background-attachment:scroll;}}@media(max-width:991px) and (min-width:768px){.brz .brz-css-jvog22{padding:15px 15px 42px 15px;}}@media(max-width:767px){.brz .brz-css-jvog22{padding:15px;}}@media(min-width:991px){.brz .brz-css-kd4780{z-index: auto;margin:0;}.brz .brz-css-kd4780.brz-section .brz-section__content{min-height: auto;display:flex;}.brz .brz-css-kd4780 .brz-container{justify-content:center;}.brz .brz-css-kd4780 > .slick-slider > .brz-slick-slider__dots:hover{color:rgba(0, 0, 0, 1);}.brz .brz-css-kd4780 > .slick-slider > .brz-slick-slider__arrow:hover{color:rgba(0, 0, 0, 0.7);}.brz .brz-css-kd4780 > .slick-slider > .brz-slick-slider__dots > .brz-slick-slider__pause:hover{color:rgba(0, 0, 0, 1);}}@media(min-width:991px){.brz .brz-css-kd4780:hover{display:block;}}@media(min-width:991px){.brz .brz-css-hswgfi{width:100%;mix-blend-mode:normal;}}.brz .brz-css-10yfpz9 > .brz-bg > .brz-bg-color, .brz.brz-css-10yfpz9:hover > .brz-bg > .brz-bg-color{background-color:rgba(var(--brz-global-color2),0.8);}@media(min-width:991px){.brz .brz-css-10yfpz9 > .brz-bg > .brz-bg-image{-webkit-mask-image: none;
                      mask-image: none;}.brz .brz-css-10yfpz9:hover > .brz-bg > .brz-bg-image{background-image:none;filter:none;}.brz .brz-css-10yfpz9:hover > .brz-bg > .brz-bg-image:after{content: "";background-image:none;}.brz .brz-css-10yfpz9 > .brz-bg > .brz-bg-color, .brz.brz-css-10yfpz9:hover > .brz-bg > .brz-bg-color{-webkit-mask-image: none;
                      mask-image: none;}.brz .brz-css-10yfpz9:hover > .brz-bg > .brz-bg-color, .brz.brz-css-10yfpz9:hover > .brz-bg > .brz-bg-color{background-color:rgba(var(--brz-global-color2),0.8);background-image:none;}}@media(min-width:991px){.brz .brz-css-q7lfma{padding:0;margin:10px 0px 10px 0px;justify-content:center;position:relative;}.brz .brz-css-q7lfma .brz-wrapper-transform{transform: none;}}@media(min-width:991px){.brz .brz-css-q7lfma{display:flex;z-index: auto;position:relative;}}.brz .brz-css-nMbt2{margin-top:0px !important;margin-bottom:5px !important;text-align:left!important;font-family:'Palanquin', sans-serif !important;font-size:15px;line-height:1.6;font-weight:400;letter-spacing:0px;font-variation-settings:"wght" 400, "wdth" 100, "SOFT" 0;}@media(min-width:991px){.brz .brz-css-nMbt2{margin-top:0px !important;margin-bottom:5px !important;text-align:left!important;font-family:'Palanquin', sans-serif 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80);">Certains liens présents sur cette page sont des liens d'affiliation, il ne vous ajoute aucun frais mais permettent à l'éditeur du site de maintenir le support.</span></p></div></div></div></div></div></div></div></div></div></div></div></div><div id="" class="brz-css-d-wrapper brz-css-1nme64b brz-wrapper"><div data-brz-action="click" class="brz-tabs brz-tabs--horizontal brz-tabs--style-2 brz-tabs--left brz-css-d-tabs brz-css-1izvpz5" data-brz-custom-id="xYWdw9zvJhYq"><ul class="brz-tabs__nav brz-tabs__nav--horizontal brz-tabs__nav--style-2 brz-tabs__nav--left"><li class="brz-tabs__nav--item brz-tabs__nav--desktop brz-tabs__nav--active"><div class="brz-tabs__nav--button"><span data-brz-translate-text="1" class="brz-span brz-text__editor"></span></div></li><li class="brz-tabs__nav--item brz-tabs__nav--desktop"><div class="brz-tabs__nav--button"><span data-brz-translate-text="1" class="brz-span brz-text__editor"></span></div></li></ul><div class="brz-tabs__content brz-tabs__content--horizontal brz-tabs__content--style-2 brz-tabs__content--left"><div class="brz-tabs__items brz-tabs__items--active"><div class="brz-tabs__nav--mobile brz-tabs__nav--mobile--active"><div class="brz-tabs__nav--button"><span></span></div></div><div class="brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column"><div id="" class="brz-css-d-wrapper brz-css-tf55e5 brz-wrapper"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-1uif3qm" data-brz-custom-id="rGnbLUu7Abwi"><div data-brz-translate-text="1"><p class="brz-tp-lg-paragraph brz-css-zmgIb" data-uniq-id="tzAkc" data-generated-css="brz-css-mPtYP"><br></p></div></div></div></div></div><div class="brz-tabs__items"><div class="brz-tabs__nav--mobile"><div class="brz-tabs__nav--button"><span></span></div></div><div class="brz-tabs__item--content brz-d-xs-flex brz-flex-xs-column"><div id="" class="brz-css-d-wrapper brz-css-q7lfma brz-wrapper"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-1mn1614" data-brz-custom-id="tCSKRe7hnJga"><div data-brz-translate-text="1"><p data-uniq-id="ugBSR" data-generated-css="brz-css-hQpQ_" class="brz-css-sOXMV"><strong class="brz-cp-color7">Investir sans apport</strong><span class="brz-cp-color7"> devient possible grâce à la digitalisation et des stratégies de financement innovantes (prêt 110 %, </span><strong class="brz-cp-color7">crowdfunding immobilier</strong><span class="brz-cp-color7">, SCPI, tokenisation).</span></p><ul><li data-uniq-id="jMG2M" data-generated-css="brz-css-wzEj2" class="brz-bcp-color7 brz-css-xoDA6"><span class="brz-cp-color7">Le marché 2025 s’annonce plus stable : taux d’intérêt maîtrisés, correction partielle des prix, nouveaux outils numériques.</span></li><li data-uniq-id="jmEjg" data-generated-css="brz-css-bBXia" class="brz-css-uG4ph"><span class="brz-cp-color7">La réussite du projet dépend d’un dossier bancaire solide, d’une gestion rigoureuse des </span><strong class="brz-cp-color7">revenus</strong><span class="brz-cp-color7"> et charges, et d’une évaluation précise de la </span><strong class="brz-cp-color7">rentabilité</strong><span class="brz-cp-color7"> du bien.</span></li><li data-uniq-id="z3thf" data-generated-css="brz-css-fNHw5" class="brz-css-rGFl2"><span class="brz-cp-color7">Les dispositifs fiscaux (Pinel+, LMNP, PTZ) restent essentiels pour optimiser le </span><strong class="brz-cp-color7">cash-flow</strong><span class="brz-cp-color7"> et sécuriser les </span><strong class="brz-cp-color7">loyers</strong><span class="brz-cp-color7">.</span></li><li data-uniq-id="kc7nK" data-generated-css="brz-css-dOgi2" class="brz-css-bbhVX"><span class="brz-cp-color7">L’application </span><strong class="brz-cp-color7">Bricks</strong><span class="brz-cp-color7"> ouvre la porte à une approche collaborative et accessible, adaptée aux investisseurs novices ou expérimentés.</span></li></ul><p data-uniq-id="tgD62" data-generated-css="brz-css-cGcjy" class="brz-css-aAw9V"><span class="brz-cp-color7">Oser l’immobilier sans apport, c’est entrer dans un univers où l’innovation bouscule la tradition. Le marché, dopé par la digitalisation, évolue en 2025 vers des conditions propices aux investisseurs réactifs. L’équilibre entre taux d’intérêt, nouveaux outils technologiques et dispositifs publics se resserre. L’accès aux prêts à 110&nbsp;% s’élargit pour ceux qui savent présenter un dossier irréprochable. Le </span><strong class="brz-cp-color7">crowdfunding immobilier</strong><span class="brz-cp-color7"> via des plateformes comme </span><strong class="brz-cp-color7">Bricks.co</strong><span class="brz-cp-color7"> ou la tokenisation valorisent l’effet de levier bancaire et limitent l’exposition directe. La froideur des chiffres cède désormais la place à la personnalisation&nbsp;: chaque profil impose sa stratégie, chaque outil façonne une rentabilité calibrée et chaque choix fiscal optimise la </span><strong class="brz-cp-color7">liquidité</strong><span class="brz-cp-color7">. Pour les investisseurs, débutants ou avertis, 2025 n’est pas qu’une année de transition. C’est un point de bascule où la rigueur, l’audace et la veille permanente remplacent l’attentisme. Comprendre les ressorts du financement intégral, dompter les méthodes alternatives, anticiper les critères bancaires clés&nbsp;: tel est le prix de la réussite. Le spectre de l’investissement se déplace&nbsp;: la distance entre l’absence d’apport et la concrétisation d’un projet se réduit, à condition de naviguer entre les dispositifs, les solutions de gestion locative et la défiscalisation optimisée.</span></p><h2 class="brz-tp-lg-heading2 brz-css-xODaI" data-uniq-id="me0U2" data-generated-css="brz-css-yKWuc"><span class="brz-cp-color7">Investir dans l’immobilier sans apport en 2025 : contexte et enjeux du marché</span></h2><h3 class="brz-tp-lg-heading3 brz-css-nN3X6" data-uniq-id="lH8Pn" data-generated-css="brz-css-rDpQe"><span class="brz-cp-color7">Évolution du marché immobilier en 2025&nbsp;: stabilisation des taux et correction des prix</span></h3><p data-uniq-id="h71ph" data-generated-css="brz-css-sjpQV" class="brz-css-nxn5G"><span class="brz-cp-color7">Après deux ans de turbulences marquées par la hausse brutale des taux, 2025 trace une voie de stabilisation bienvenue sur le marché immobilier français. Sur le terrain, les banques assouplissent discrètement leurs politiques. Les taux longs restent contenus autour de 4&nbsp;%, attirant de nouveaux projets. Du côté des prix, une légère correction s’opère dans les centres urbains, parfois jusqu’à -8&nbsp;% sur certains segments. Les investisseurs s’adaptent à cette nouvelle donne&nbsp;: la pression concurrentielle baisse, l’accès au crédit devient techniquement plus accessible, malgré la vigilance persistante des organismes bancaires.</span></p><p data-uniq-id="eKeST" data-generated-css="brz-css-lJXhB" class="brz-css-bcBC4"><span class="brz-cp-color7">Cette fenêtre d’opportunité favorise l’investissement sans apport pour ceux qui comprennent les nouvelles règles du jeu. L’absence de liquidités immédiatement mobilisées ne signifie jamais le défaut de ressources&nbsp;: véhiculer cette compréhension auprès des acteurs du secteur devient essentiel pour bâtir une crédibilité financière auprès des partenaires bancaires. L’immobilier locatif, notamment, profite du ralentissement de la hausse des loyers et de la demande toujours soutenue pour l’habitat abordable et les biens énergétiquement optimisés.</span></p><h3 class="brz-tp-lg-heading3 brz-css-nAv5l" data-uniq-id="br8Vk" data-generated-css="brz-css-tYtKz"><span class="brz-cp-color7">Impact de la digitalisation et des nouveaux dispositifs publics sur l’investissement sans apport</span></h3><p data-uniq-id="sQDAu" data-generated-css="brz-css-pEjm1" class="brz-css-tffFt"><span class="brz-cp-color7">L’essor de la digitalisation agit comme un accélérateur. Applications de gestion, plateformes de financement participatif, échanges tokenisés&nbsp;: l’immobilier bénéficie d’un renouvellement profond de ses modes d’accès. Les processus de sélection sont fluidifiés, la transmission d’informations entre banques, investisseurs et courtiers gagne en efficacité. Les outils comme </span><strong class="brz-cp-color7">Bricks.co</strong><span class="brz-cp-color7"> symbolisent cette révolution&nbsp;: ils ouvrent les portes de l’immobilier locatif à des épargnants dont le ticket d’entrée débute à quelques centaines d’euros, avec une </span><strong class="brz-cp-color7">liquidité</strong><span class="brz-cp-color7"> partielle selon la plateforme.</span></p><p data-uniq-id="akD7r" data-generated-css="brz-css-jap_9" class="brz-css-koQps"><span class="brz-cp-color7">Les politiques publiques ne sont pas en reste. Le relèvement des plafonds du PTZ en 2025 et le maintien des dispositifs comme Pinel+ dynamisent les zones dites prioritaires. Parallèlement, le zonage évolue, incitant à élargir le champ d’investigation hors des métropoles. Les garanties de l’État et le renforcement des chartes de bonne conduite bancaire rassurent les primo-investisseurs parfois découragés par la complexité des dossiers de financement. La nature collaborative des nouvelles solutions numériques conforte l’attractivité d’un marché en pleine recomposition.</span></p><h2 class="brz-tp-lg-heading2 brz-css-yiXhM" data-uniq-id="hfnTi" data-generated-css="brz-css-ypKAN"><span class="brz-cp-color7">Méthodes efficaces pour investir dans l’immobilier sans apport en 2025</span></h2><h3 class="brz-tp-lg-heading3 brz-css-xSGXX" data-uniq-id="zaoLr" data-generated-css="brz-css-x2xJ2"><span class="brz-cp-color7">Financement participatif immobilier&nbsp;: fonctionnement et conditions d’accès</span></h3><p data-uniq-id="dSyJA" data-generated-css="brz-css-ojnVc" class="brz-css-zyQgD"><span class="brz-cp-color7">Le </span><strong class="brz-cp-color7">crowdfunding immobilier</strong><span class="brz-cp-color7"> s’impose comme l’une des options les plus accessibles pour investir sans apport personnel. Concrètement, il s’agit de financer, via des plateformes spécialisées telles que </span><strong class="brz-cp-color7">Bricks</strong><span class="brz-cp-color7">, des opérations immobilières menées par des promoteurs. L’utilisateur sélectionne différents projets (construction, rénovation) et place une somme – généralement à partir de 100 à 1000&nbsp;€ – pour une période de 12 à 36 mois. La plateforme mutualise ensuite les fonds, gère la répartition des rendements (souvent supérieurs à 7&nbsp;% brut annuel) et assure un suivi en temps réel.</span></p><p data-uniq-id="u_0lq" data-generated-css="brz-css-lgO6a" class="brz-css-iOp4E"><span class="brz-cp-color7">Cette méthode brille par sa flexibilité et l’effet de levier offert par la mise en commun des capitaux. Pourtant, les rendements attractifs impliquent aussi des risques à pondérer&nbsp;: défaut ou retard du promoteur, absence de garantie sur le capital. Les investisseurs chevronnés diversifient leur portefeuille pour limiter l’exposition unique à un projet. L’intérêt&nbsp;? Augmenter la </span><strong class="brz-cp-color7">rentabilité</strong><span class="brz-cp-color7"> sans s’engager sur la gestion locative directe ni exposer son patrimoine personnel. Les critères essentiels à examiner&nbsp;: la qualité du promoteur, sa solidité financière, la réputation de la plateforme, la localisation du projet, la transparence fiscale sur l’imposition des intérêts.</span></p><h3 class="brz-tp-lg-heading3 brz-css-qbVPD" data-uniq-id="uAed3" data-generated-css="brz-css-hOU_u"><span class="brz-cp-color7">SCPI et immobilier tokenisé via blockchain&nbsp;: avantages et limites</span></h3><p data-uniq-id="vl11_" data-generated-css="brz-css-p5suc" class="brz-css-y3EzR"><span class="brz-cp-color7">Autre solution incontournable&nbsp;: les </span><strong class="brz-cp-color7">SCPI nouvelle génération</strong><span class="brz-cp-color7">. Ces sociétés achètent et gèrent pour le compte des investisseurs un parc d’immeubles locatifs. Contrairement à l’achat classique, le ticket d’entrée se veut démocratisé (souvent à partir de 1000&nbsp;€), l’épargnant percevant une quote-part de </span><strong class="brz-cp-color7">loyers</strong><span class="brz-cp-color7"> selon son investissement. Les modalités de détention évoluent&nbsp;: le nantissement permet de financer l’acquisition des parts à crédit, renforçant ainsi l’</span><strong class="brz-cp-color7">effet de levier</strong><span class="brz-cp-color7">. La méthode du prêt in fine, où seul l’intérêt est remboursé pendant la période, majore la capacité à investir tout en suspendant l’érosion du capital investi.</span></p><p data-uniq-id="eduP7" data-generated-css="brz-css-rj8jn" class="brz-css-mUbfG"><span class="brz-cp-color7">La tokenisation, via blockchain, accélère cette démocratisation&nbsp;: chaque bien immobilier est découpé en tokens, accessibles dès 100 ou 500&nbsp;€. Les tokens sont fractionnés, négociables sur des plateformes dédiées, améliorant la </span><strong class="brz-cp-color7">liquidité</strong><span class="brz-cp-color7">. Sur le plan fiscal, les bénéfices diffèrent&nbsp;: chaque revenu généré se déclare en catégorie foncière ou BIC, selon la structure du fonds ou du token. Les limites&nbsp;? Les risques de fluctuation de valeur, les frais technologiques, et une réglementation encore jeune à surveiller de près. Néanmoins, la promesse d’une gestion passive couplée à une </span><strong class="brz-cp-color7">rentabilité</strong><span class="brz-cp-color7"> dynamique séduit les investisseurs à la recherche de diversification.</span></p><p data-uniq-id="vCOL8" data-generated-css="brz-css-qTBXp" class="brz-css-rqwbo"><span class="brz-cp-color7">Méthode</span></p><p data-uniq-id="f4_rn" data-generated-css="brz-css-s01Ez" class="brz-css-oviHa"><span class="brz-cp-color7">Ticket d’entrée</span></p><p data-uniq-id="uuDlE" data-generated-css="brz-css-jxFJD" class="brz-css-dLJOR"><span class="brz-cp-color7">Rendement moyen</span></p><p data-uniq-id="oKG0f" data-generated-css="brz-css-kBPS3" class="brz-css-nZdDL"><span class="brz-cp-color7">Durée/liquidité</span></p><p data-uniq-id="kPu1m" data-generated-css="brz-css-rep2E" class="brz-css-pKk9L"><span class="brz-cp-color7">Risques spécifiques</span></p><p data-uniq-id="m_llS" data-generated-css="brz-css-ncVaQ" class="brz-css-vISxq"><span class="brz-cp-color7">Crowdfunding via Bricks</span></p><p data-uniq-id="gRWK9" data-generated-css="brz-css-meB3V" class="brz-css-wl5hG"><span class="brz-cp-color7">100–1 000€</span></p><p data-uniq-id="uOHlZ" data-generated-css="brz-css-e6DYB" class="brz-css-x1SlL"><span class="brz-cp-color7">5–10 % brut</span></p><p data-uniq-id="fG1zb" data-generated-css="brz-css-wmXz3" class="brz-css-zPaFZ"><span class="brz-cp-color7">12-36 mois / Faible</span></p><p data-uniq-id="fPLAU" data-generated-css="brz-css-gu5cB" class="brz-css-tXNH_"><span class="brz-cp-color7">Défaut du promoteur, retards</span></p><p data-uniq-id="j7T25" data-generated-css="brz-css-m_cAf" class="brz-css-ubpiD"><span class="brz-cp-color7">SCPI (crédit ou cash)</span></p><p data-uniq-id="z9PMm" data-generated-css="brz-css-oCX9U" class="brz-css-yYK2B"><span class="brz-cp-color7">1 000–5 000€</span></p><p data-uniq-id="vy6dy" data-generated-css="brz-css-dOXH2" class="brz-css-cLMBU"><span class="brz-cp-color7">4–6 % brut</span></p><p data-uniq-id="htXOl" data-generated-css="brz-css-scwxj" class="brz-css-h5PIx"><span class="brz-cp-color7">Indéterminée / Moyenne</span></p><p data-uniq-id="b5edh" data-generated-css="brz-css-mjpIl" class="brz-css-ikfJI"><span class="brz-cp-color7">Risque de vacance, fiscalité complexe</span></p><p data-uniq-id="feMUY" data-generated-css="brz-css-ydXmH" class="brz-css-xaC_B"><span class="brz-cp-color7">Immobilier tokenisé</span></p><p data-uniq-id="xkyIS" data-generated-css="brz-css-vOfdD" class="brz-css-o_luQ"><span class="brz-cp-color7">100–500€</span></p><p data-uniq-id="hF4qt" data-generated-css="brz-css-inYi_" class="brz-css-uXG9j"><span class="brz-cp-color7">Variable (4–8 %)</span></p><p data-uniq-id="dEQ14" data-generated-css="brz-css-qq7J4" class="brz-css-aXj1Z"><span class="brz-cp-color7">Variable / Bonne</span></p><p data-uniq-id="eeUMX" data-generated-css="brz-css-m4Jtu" class="brz-css-e3sxv"><span class="brz-cp-color7">Technologie, régulation</span></p><p data-uniq-id="rM4lb" data-generated-css="brz-css-ftfIk" class="brz-css-bEvYM"><span class="brz-cp-color7">Physique (prêt 110%)</span></p><p data-uniq-id="nK_Tk" data-generated-css="brz-css-beIUr" class="brz-css-w5zCY"><span class="brz-cp-color7">Aucun, dossier solide</span></p><p data-uniq-id="joVQm" data-generated-css="brz-css-seLUU" class="brz-css-zfTWH"><span class="brz-cp-color7">5–8 % net</span></p><p data-uniq-id="fD7Wp" data-generated-css="brz-css-mquwE" class="brz-css-kE35V"><span class="brz-cp-color7">10-25 ans / Faible</span></p><p data-uniq-id="lfoow" data-generated-css="brz-css-qKo9P" class="brz-css-hEsCU"><span class="brz-cp-color7">Remboursement, gestion locative</span></p><h3 class="brz-tp-lg-heading3 brz-css-q2m7O" data-uniq-id="sYwHg" data-generated-css="brz-css-rgZ0M"><span class="brz-cp-color7">Le prêt immobilier à 110&nbsp;%&nbsp;: étapes, rendements et critères d’éligibilité</span></h3><p data-uniq-id="yhxzM" data-generated-css="brz-css-qeOSa" class="brz-css-bqC0t"><span class="brz-cp-color7">Le prêt à 110&nbsp;% se fait rare, mais il persiste pour les candidats triés sur le volet. Il couvre non seulement l’acquisition, mais aussi l’ensemble des frais annexes&nbsp;: notaire, garantie, travaux, ameublement éventuel. La banque parie sur la confiance stricte&nbsp;: dossier exemplaire, </span><strong class="brz-cp-color7">revenus</strong><span class="brz-cp-color7"> stables, gestion des charges, projet locatif solide. Son avantage&nbsp;? Il maximise l’</span><strong class="brz-cp-color7">effet de levier</strong><span class="brz-cp-color7">, car l’investisseur n’immobilise pas son épargne, mais mobilise la capacité d’emprunt offerte par l’établissement.</span></p><p data-uniq-id="pNHTI" data-generated-css="brz-css-gmMSJ" class="brz-css-hAWmH"><span class="brz-cp-color7">Ce montage s’adresse à des profils calmes et audacieux&nbsp;: ceux capables de justifier une réserve de liquidités, même si elle n’est pas mobilisée, ceux qui pilotent leur taux d’endettement sous les 35&nbsp;%. Les banques surveillent également la qualité de la gestion des </span><strong class="brz-cp-color7">loyers</strong><span class="brz-cp-color7">&nbsp;: un bien attractif, une vacance limitée, une projection de </span><strong class="brz-cp-color7">rentabilité</strong><span class="brz-cp-color7"> nette et immédiate. La négociation du taux se fait à la marge, en contrepartie d’une fidélisation bancaire ou de produits croisés (assurances, épargne salariale…).</span></p><h2 class="brz-tp-lg-heading2 brz-css-lK8yn" data-uniq-id="tbPkf" data-generated-css="brz-css-pVrUB"><span class="brz-cp-color7">Comment obtenir un prêt immobilier couvrant 110&nbsp;% sans apport&nbsp;: conditions et stratégies</span></h2><h3 class="brz-tp-lg-heading3 brz-css-tz69b" data-uniq-id="jTCKA" data-generated-css="brz-css-zlNv8"><span class="brz-cp-color7">Qualité du dossier bancaire et profil emprunteur recherché</span></h3><p data-uniq-id="s4d8t" data-generated-css="brz-css-cIRxz" class="brz-css-r0jtR"><span class="brz-cp-color7">Le secret d’un financement intégral&nbsp;: soigner chaque détail du dossier bancaire. Le prêteur recherche des CDI solides, des </span><strong class="brz-cp-color7">revenus</strong><span class="brz-cp-color7"> réguliers, un saut de charges désormais permis grâce à des ressources complémentaires. Au-delà du salaire brut s’ajoutent les justificatifs d’épargne, les bonus ou primes récurrents, les allocations pérennes éventuelles.</span></p><p data-uniq-id="oXj7r" data-generated-css="brz-css-zcqwa" class="brz-css-chw4U"><span class="brz-cp-color7">Le profil idéal&nbsp;: aucun découvert bancaire sur 6 à 12 mois, pas d’incident de paiement, une capacité à épargner chaque mois, même modeste. Cet historique positif rassure l’établissement sur la capacité de remboursement et la maîtrise du risque.</span></p><h3 class="brz-tp-lg-heading3 brz-css-s2caW" data-uniq-id="ooJUI" data-generated-css="brz-css-yDvKb"><span class="brz-cp-color7">Critères bancaires clés&nbsp;: taux d’endettement, revenus et antécédents</span></h3><p data-uniq-id="wP6OH" data-generated-css="brz-css-zMRrk" class="brz-css-qSJmg"><span class="brz-cp-color7">Les banques exigent un taux d’endettement généralement inférieur à 35&nbsp;%, certains établissements acceptant une légère flexibilité si l’on prouve un reste à vivre important ou des </span><strong class="brz-cp-color7">revenus</strong><span class="brz-cp-color7"> alternatifs (second emploi, revenus locatifs déjà perçus, activité indépendante hybride). Un examen soigné des antécédents financiers, crédits en cours compris, détermine la confiance accordée.</span></p><p data-uniq-id="b3Q7S" data-generated-css="brz-css-oUq8Y" class="brz-css-ei3Dx"><span class="brz-cp-color7">Petit secret&nbsp;: un capital d’épargne accessible joue en faveur de l’emprunteur, même s’il n’est pas mobilisé sur l’opération. La volonté de souscrire des assurances supplémentaires (loyers impayés, assurance perte d’emploi) renforce la crédibilité de l’investissement.</span></p><h3 class="brz-tp-lg-heading3 brz-css-hTmaa" data-uniq-id="pFATC" data-generated-css="brz-css-w3lyC"><span class="brz-cp-color7">Préparer un dossier solide&nbsp;: rôle du courtier et importance des assurances</span></h3><p data-uniq-id="pQNEv" data-generated-css="brz-css-sqpNF" class="brz-css-h1KNc"><span class="brz-cp-color7">Un courtier expert fait gagner en efficacité. Il prépare un dossier béton&nbsp;: justificatifs propres, business plan détaillant </span><strong class="brz-cp-color7">loyers</strong><span class="brz-cp-color7">, charges, rendement net, impact fiscal, scénarios de vacance. Les banques veulent du concret&nbsp;: taux de remplissage estimé, zones à forte demande, état général du bien. L’assurance emprunteur, négociable via la loi Lemoine, réduit aussi la facture globale tout en offrant au prêteur des garanties sur la sécurité de remboursement.</span></p><h4 class="brz-tp-lg-heading4 brz-css-mnOcx" data-uniq-id="rhFcq" data-generated-css="brz-css-cLFk_"><span class="brz-cp-color7">Astuce pour devenir un «&nbsp;bon client&nbsp;» auprès des banques</span></h4><p data-uniq-id="qVS8S" data-generated-css="brz-css-lZeXn" class="brz-css-bqaor"><span class="brz-cp-color7">Un «&nbsp;bon client&nbsp;» anticipe les besoins de son banquier. Il multiplie les produits d’épargne, assure sa domiciliation des salaires, ouvre des contrats d’assurance-vie, et souscrit à la carte bancaire premium. Chaque mouvement va en faveur de l’acceptation du prêt. Plus la banque pressent que la relation sera durable et profitable, plus elle se montre conciliante sur l’octroi d’un financement à 110&nbsp;%.</span></p><h2 class="brz-tp-lg-heading2 brz-css-l2hp9" data-uniq-id="bpnpw" data-generated-css="brz-css-xDPhL"><span class="brz-cp-color7">Optimiser la rentabilité avec les dispositifs fiscaux adaptés à l’investissement sans apport</span></h2><h3 class="brz-tp-lg-heading3 brz-css-w15tl" data-uniq-id="hahNU" data-generated-css="brz-css-gRmsy"><span class="brz-cp-color7">Avantages et limites des dispositifs Pinel+, LMNP et PTZ 2025</span></h3><p data-uniq-id="mfj4I" data-generated-css="brz-css-n8eHW" class="brz-css-uzPGi"><span class="brz-cp-color7">Dans la course à la </span><strong class="brz-cp-color7">rentabilité</strong><span class="brz-cp-color7"> locative, les dispositifs fiscaux jouent le rôle de catalyseur. </span><strong class="brz-cp-color7">Pinel+</strong><span class="brz-cp-color7"> cible les investisseurs désireux de profiter d’une réduction d’impôt sur plusieurs années, à condition de respecter un loyer plafonné et une localisation prioritaire. En parallèle, le </span><strong class="brz-cp-color7">LMNP</strong><span class="brz-cp-color7"> séduit par son régime d’amortissement permettant de déduire une grande partie des charges et donc d’optimiser le rendement d’un studio ou d’un T2 meublé.</span></p><p data-uniq-id="z43dl" data-generated-css="brz-css-hGi41" class="brz-css-hxW8e"><span class="brz-cp-color7">Le </span><strong class="brz-cp-color7">PTZ 2025</strong><span class="brz-cp-color7"> complète la panoplie pour les primo-accédants, allégeant le coût global de l’opération. Limite principale&nbsp;: la sélection géographique reste stricte et la défiscalisation ne compense l’absence d’apport que si le bien affiche une tension locative forte. Multiplier les calculs, adapter le choix du bien, projeter les scénarios de hausses et baisses de </span><strong class="brz-cp-color7">loyers</strong><span class="brz-cp-color7">&nbsp;: une discipline indispensable pour sécuriser le projet.</span></p><h3 class="brz-tp-lg-heading3 brz-css-llFWb" data-uniq-id="yPfKj" data-generated-css="brz-css-y9teG"><span class="brz-cp-color7">Fin de la loi Censi-Bouvard&nbsp;: quelles alternatives pour 2025&nbsp;?</span></h3><p data-uniq-id="g5jsZ" data-generated-css="brz-css-nwO3m" class="brz-css-fhCQF"><span class="brz-cp-color7">2025 acte la disparition du dispositif Censi-Bouvard. Pour les investisseurs, il fallait réagir. Le régime du </span><strong class="brz-cp-color7">LMNP</strong><span class="brz-cp-color7"> au réel, déjà cité, se révèle comme le plus attractif pour acquérir des résidences de services (étudiants, seniors). Les amortissements pratiqués réduisent la base imposable, optimisant les </span><strong class="brz-cp-color7">revenus</strong><span class="brz-cp-color7"> locatifs. Parallèlement, d’autres mécanismes gagnent en notoriété&nbsp;: déficit foncier (pour relancer la rénovation de l’ancien), dispositifs Malraux ou Denormandie pour cibler les secteurs historiques ou dégradés.</span></p><h3 class="brz-tp-lg-heading3 brz-css-b3RdP" data-uniq-id="sP0OK" data-generated-css="brz-css-paX4o"><span class="brz-cp-color7">Influence des avantages fiscaux sur la sécurisation et la rentabilité du projet</span></h3><p data-uniq-id="oBTR1" data-generated-css="brz-css-otPE_" class="brz-css-dZnMO"><span class="brz-cp-color7">Les avantages fiscaux renforcent l’</span><strong class="brz-cp-color7">effet de levier</strong><span class="brz-cp-color7">. En baissant la pression fiscale, ils augmentent la part des </span><strong class="brz-cp-color7">loyers</strong><span class="brz-cp-color7"> directement perçus et, par ricochet, le </span><strong class="brz-cp-color7">cash-flow</strong><span class="brz-cp-color7"> dégagé. Toutefois, la réussite dépend du respect scrupuleux des conditions d’éligibilité, des seuils de plafonnement, et d’une veille active sur la réglementation.</span></p><p data-uniq-id="lqTbO" data-generated-css="brz-css-zsmMu" class="brz-css-yNan9"><span class="brz-cp-color7">Dispositif</span></p><p data-uniq-id="rUmTh" data-generated-css="brz-css-uHppa" class="brz-css-rP5WM"><span class="brz-cp-color7">Bénéficiaires</span></p><p data-uniq-id="hNScB" data-generated-css="brz-css-f1Uu6" class="brz-css-jn8F5"><span class="brz-cp-color7">Durée</span></p><p data-uniq-id="gopwR" data-generated-css="brz-css-dmf8W" class="brz-css-qCaV_"><span class="brz-cp-color7">Avantages/Fiscalité</span></p><p data-uniq-id="bf73l" data-generated-css="brz-css-vyVsI" class="brz-css-vcg3n"><span class="brz-cp-color7">Spécificités</span></p><p data-uniq-id="fcJ7G" data-generated-css="brz-css-ouIii" class="brz-css-iuIMA"><span class="brz-cp-color7">Pinel+</span></p><p data-uniq-id="eMTF7" data-generated-css="brz-css-ea6U9" class="brz-css-fOfhm"><span class="brz-cp-color7">Investisseurs locatifs</span></p><p data-uniq-id="fo_gN" data-generated-css="brz-css-yvsrr" class="brz-css-kakkG"><span class="brz-cp-color7">6 à 12 ans</span></p><p data-uniq-id="auJxe" data-generated-css="brz-css-h5RFO" class="brz-css-jdBQD"><span class="brz-cp-color7">Réduction d’impôt jusqu’à 21&nbsp;%</span></p><p data-uniq-id="vFl7o" data-generated-css="brz-css-buYCr" class="brz-css-kle3m"><span class="brz-cp-color7">Plafonds loyers, zones A/B1</span></p><p data-uniq-id="kPmN5" data-generated-css="brz-css-hvAmg" class="brz-css-pcwug"><span class="brz-cp-color7">LMNP réel</span></p><p data-uniq-id="niW8Y" data-generated-css="brz-css-sWEpc" class="brz-css-qXpsz"><span class="brz-cp-color7">Toutes typologies</span></p><p data-uniq-id="wsRqe" data-generated-css="brz-css-ru6Sj" class="brz-css-yiToZ"><span class="brz-cp-color7">Illimitée</span></p><p data-uniq-id="g6gDC" data-generated-css="brz-css-i2lsZ" class="brz-css-lCVzK"><span class="brz-cp-color7">Amortissement charges + bien</span></p><p data-uniq-id="k36EZ" data-generated-css="brz-css-iHpkU" class="brz-css-mf9JJ"><span class="brz-cp-color7">Meublé, revenus BIC</span></p><p data-uniq-id="aAcdI" data-generated-css="brz-css-gzxci" class="brz-css-lOlro"><span class="brz-cp-color7">PTZ 2025</span></p><p data-uniq-id="q5h6j" data-generated-css="brz-css-dfDUN" class="brz-css-epVrV"><span class="brz-cp-color7">Primo-accédants</span></p><p data-uniq-id="ntuCz" data-generated-css="brz-css-scmpd" class="brz-css-o6EUC"><span class="brz-cp-color7">20 à 25 ans</span></p><p data-uniq-id="nswBW" data-generated-css="brz-css-s4Wxg" class="brz-css-v1nmQ"><span class="brz-cp-color7">Prêt sans intérêts, différé partiel</span></p><p data-uniq-id="c0BBI" data-generated-css="brz-css-rToX0" class="brz-css-aRF3N"><span class="brz-cp-color7">Zones ciblées, plafonds ressources</span></p><p data-uniq-id="q6qb0" data-generated-css="brz-css-qx12A" class="brz-css-uR8Bb"><span class="brz-cp-color7">Déficit foncier</span></p><p data-uniq-id="ahfh3" data-generated-css="brz-css-pwX3k" class="brz-css-xunPa"><span class="brz-cp-color7">Investisseurs dans l’ancien</span></p><p data-uniq-id="w7B5A" data-generated-css="brz-css-u8k0L" class="brz-css-frk45"><span class="brz-cp-color7">3 ans min.</span></p><p data-uniq-id="b3hl9" data-generated-css="brz-css-pBtcZ" class="brz-css-bG9iF"><span class="brz-cp-color7">Déduction travaux sur revenus fonciers</span></p><p data-uniq-id="lRwPU" data-generated-css="brz-css-vbVDL" class="brz-css-cS4lz"><span class="brz-cp-color7">Travaux &gt; charges courantes</span></p><h2 class="brz-tp-lg-heading2 brz-css-kX4Gk" data-uniq-id="bwO_a" data-generated-css="brz-css-m6b4o"><span class="brz-cp-color7">Stratégies avancées pour maximiser la capacité d’emprunt et sécuriser l’investissement sans apport</span></h2><h3 class="brz-tp-lg-heading3 brz-css-zyZpV" data-uniq-id="m_QL2" data-generated-css="brz-css-t5Z3t"><span class="brz-cp-color7">Leviers financiers&nbsp;: négocier durée, assurances et valoriser son profil bancaire</span></h3><p data-uniq-id="lCPGz" data-generated-css="brz-css-i6Vww" class="brz-css-iTIr5"><span class="brz-cp-color7">Pour convaincre la banque de financer à 110&nbsp;%, l’investisseur doit actionner plusieurs leviers. Allonger la durée du prêt réduit les mensualités, donc le taux d’endettement apparent. Négocier son assurance emprunteur permet parfois d’alléger le coût total. L’utilisation intelligente de son épargne (prouver que l’on peut la mobiliser si besoin) rassure également. Domicilier ses ressources principales, souscrire d’autres produits maison&nbsp;: chaque engagement supplémentaire favorise l’acceptation d’un risque maximal par l’établissement financier.</span></p><h3 class="brz-tp-lg-heading3 brz-css-kCpHD" data-uniq-id="kvRJl" data-generated-css="brz-css-igyFS"><span class="brz-cp-color7">Solutions complémentaires&nbsp;: prêts aidés, SCI, assurance loyers impayés et gestion locative</span></h3><p data-uniq-id="n6iyS" data-generated-css="brz-css-y32dc" class="brz-css-gwcgT"><span class="brz-cp-color7">Optimiser son projet&nbsp;: c’est aussi explorer les dispositifs d’accompagnement. Le montage en SCI (Société Civile Immobilière) ouvre la porte au regroupement des apports de plusieurs associés, sécurise la transmission ou la mise en gestion. Les prêts aidés (Action Logement, PTZ, éco-prêts) abaissent la charge globale. Indispensable&nbsp;: contractualiser une assurance </span><strong class="brz-cp-color7">loyers</strong><span class="brz-cp-color7"> impayés, surtout dans les secteurs où la vacance pourrait peser sur le rendement. La gestion locative déléguée garantit une tranquillité accrue, tout en optimisant le taux de remplissage.</span></p><p data-uniq-id="jkKG8" data-generated-css="brz-css-tRes1" class="brz-css-yPFmq"><span class="brz-cp-color7">Voici une liste des solutions à intégrer dans votre plan d’action&nbsp;:</span></p><ul><li data-uniq-id="j3V9f" data-generated-css="brz-css-foYf6" class="brz-css-uopRc"><strong class="brz-cp-color7">Diversification</strong><span class="brz-cp-color7"> des supports d’investissement pour diluer le risque&nbsp;: SCPI, crowdfunding, colocation, location meublée, immobilier tokenisé.</span></li><li data-uniq-id="pzTbB" data-generated-css="brz-css-qBI97" class="brz-css-andgF"><strong class="brz-cp-color7">Gestion hybride</strong><span class="brz-cp-color7">&nbsp;: alterner gestion directe et mandat pour le gain de temps.</span></li><li data-uniq-id="oZwjX" data-generated-css="brz-css-nfgCY" class="brz-css-zQZsW"><strong class="brz-cp-color7">Défiscalisation</strong><span class="brz-cp-color7"> ciblée&nbsp;: choisir le dispositif fiscal aligné à chaque bien.</span></li><li data-uniq-id="a5lNT" data-generated-css="brz-css-txoNy" class="brz-css-b08w5"><strong class="brz-cp-color7">Optimisation</strong><span class="brz-cp-color7"> fiscale et bancaire via courtier spécialisé.</span></li></ul><h3 class="brz-tp-lg-heading3 brz-css-zPI98" data-uniq-id="tE4Vt" data-generated-css="brz-css-czv14"><span class="brz-cp-color7">Conseils pratiques pour profils à budget limité et difficultés bancaires</span></h3><p data-uniq-id="zyqY4" data-generated-css="brz-css-lGWDp" class="brz-css-q5FBA"><span class="brz-cp-color7">Même sans apport, il existe des issues pour investisseurs à budget limité. D’abord, cibler les biens à forte tension locative, où les </span><strong class="brz-cp-color7">loyers</strong><span class="brz-cp-color7"> garantissent un taux de remplissage optimal. S’appuyer sur un co-investissement en famille via une SCI facilite aussi l’accès au crédit. Enfin, privilégier le fractionnement du ticket d’entrée&nbsp;: un investissement dès 500&nbsp;€ via une plateforme type Bricks permet de tester la mécanique sans mobiliser de grandes sommes.</span></p><p data-uniq-id="r83hz" data-generated-css="brz-css-bLrN8" class="brz-css-v2SsD"><span class="brz-cp-color7">Un investisseur partant de zéro doit prouver sa capacité à générer et à sécuriser les </span><strong class="brz-cp-color7">revenus</strong><span class="brz-cp-color7">. Il veille à son historique bancaire, bâtit sa réputation de «&nbsp;client fiable&nbsp;», et justifie une épargne de précaution. L’accès au prêt intégral se conquiert avec rigueur et stratégie, jamais au hasard.</span></p><iframe class="ql-video" frameborder="0" allowfullscreen="true" src="https://www.youtube.com/embed/bRAyKSxW8wE?rel=1" height="480" width="640"></iframe><p class="brz-tp-lg-paragraph brz-css-xkxbs" data-uniq-id="aTeHO" data-generated-css="brz-css-xe3JM"><br></p></div></div></div></div></div></div></div></div><div id="" class="brz-css-d-wrapper brz-css-r-wrapper brz-css-10j8v54 brz-wrapper"><div class="brz-spacer brz-css-d-spacer brz-css-4q4upy"></div></div><div class="brz-wrapper-clone brz-flex-xs-wrap brz-css-d-cloneable brz-css-vjza4o" data-brz-custom-id="srvwhwpwjaofzsacmyhqlqwjeracjledvybv"><a class="brz-a brz-btn brz-css-d-button brz-css-1hm0xdz ads brz-css-d-button-bg brz-css-1q98li7" target="_blank" rel="noopener nofollow noreferrer" href="https://my.w3dd.link/bricks" data-brz-link-type="external" data-brz-custom-id="zuevdhcinvqtxbnsxlsjifudemajysfxfsbr"><span data-brz-translate-text="1" class="brz-span brz-text__editor">ça m'intéresse</span></a></div></div></div></section>
    <section id="xdflbxlclpqmnaxkyfoaisnzkrhzeqpljeqd_xdflbxlclpqmnaxkyfoaisnzkrhzeqpljeqd" class="brz-section brz-css-d-section brz-css-pjt1bq"><div class="brz-section__content brz-section--boxed brz-css-d-sectionitem-bg brz-css-yd6el2" data-brz-custom-id="wlonwrtxryyhfjnwtivgssjdbqjsggnalfgv"><div class="brz-bg"><div class="brz-bg-image"></div></div><div class="brz-container brz-css-d-sectionitem-container brz-css-ws5vp3"><div class="brz-row__container brz-css-d-row-row brz-css-74hbgz" data-brz-custom-id="uqrkeinipjabxwxudglqnwpbloyewfaruhlr"><div class="brz-row brz-css-d-row-container brz-css-r-row-container brz-css-pdkbj8"><div class="brz-columns brz-css-d-column-column brz-css-19tl02s" data-brz-custom-id="hdhdbrhpafettgiktpfdidvgjirygmkummcq"><div class="brz-column__items brz-css-d-column-bg brz-css-e656r7"><div id="" class="brz-css-d-wrapper brz-css-159mez brz-wrapper"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-ct0y7w" data-brz-custom-id="eoecnavaxxccynpnhgpwgwgwzvkvpcnafqze"><div data-brz-translate-text="1"><p class="brz-tp-lg-heading3 brz-text-sm-center brz-css-gDCMa" data-generated-css="brz-css-pE0BA" data-uniq-id="eXt2G"><strong class="brz-cp-color2" style="color: rgb(10, 35, 55);">L’investissement immobilier accessible à tous</strong></p></div></div></div><div id="" class="brz-css-d-wrapper brz-css-3mjxg3 brz-wrapper"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-1jljn5s" data-brz-custom-id="icvmfwokzmywxecwadkmoxasipvcbjoeigap"><div data-brz-translate-text="1"><p class="brz-tp-lg-paragraph brz-text-sm-center brz-mt-xs-10 brz-mb-xs-10 ql-align-center brz-css-pZva3" data-generated-css="brz-css-e23ec" data-uniq-id="dBMQ4"><span class="brz-cp-color7">Investissez dans des projets immobilier dès 10€ en obligations et recevez des revenus tous les mois</span></p></div></div></div><div class="brz-wrapper-clone brz-flex-xs-wrap brz-css-d-cloneable brz-css-2gn0xa" data-brz-custom-id="ruynmfuhiwwdvxhmytyphgxyinscuhmksczp"><a class="brz-a brz-btn brz-css-d-button brz-css-vrqyji ads brz-css-d-button-bg brz-css-vwt9ub" target="_blank" rel="noopener nofollow noreferrer" href="https://my.w3dd.link/bricks" data-brz-link-type="external" data-brz-custom-id="tjmfzubehopnovfrxhuzitttdbniviicgqql"><svg class="brz-icon-svg align-[initial] brz-css-d-button-icon brz-css-ep84hz"><use href="https://invest2026.brizy.site/icon/23425512/outline/tail-right.svg#nc_icon"></use></svg><span data-brz-translate-text="1" class="brz-span brz-text__editor">commencer</span></a></div><div id="" class="brz-css-d-wrapper brz-css-rtpynd brz-wrapper"><div class="brz-image brz-css-d-image-edizxhfasqcfbvibnxnikzvagbgrbjdwakoj-parent brz-css-1djv2rq" data-brz-custom-id="edizxhfasqcfbvibnxnikzvagbgrbjdwakoj"><picture class="brz-picture brz-d-block brz-p-relative brz-css-d-image-edizxhfasqcfbvibnxnikzvagbgrbjdwakoj-picture brz-css-jhxp23"><source srcset="https://cloud-1de12d.becdn.net/media/iW=345&amp;iH=354&amp;oX=0&amp;oY=0&amp;cW=345&amp;cH=354/c0f9ed8f5dd38f1c06f3cdbae8808bcb/image.png 1x, https://cloud-1de12d.becdn.net/media/iW=690&amp;iH=708&amp;oX=0&amp;oY=0&amp;cW=690&amp;cH=708/c0f9ed8f5dd38f1c06f3cdbae8808bcb/image.png 2x" media="(min-width: 992px)"><source srcset="https://cloud-1de12d.becdn.net/media/iW=249&amp;iH=256&amp;oX=0&amp;oY=0&amp;cW=249&amp;cH=256/c0f9ed8f5dd38f1c06f3cdbae8808bcb/image.png 1x, https://cloud-1de12d.becdn.net/media/iW=498&amp;iH=512&amp;oX=0&amp;oY=0&amp;cW=498&amp;cH=512/c0f9ed8f5dd38f1c06f3cdbae8808bcb/image.png 2x" media="(min-width: 768px)"><img class="brz-img" srcset="https://cloud-1de12d.becdn.net/media/iW=226&amp;iH=233&amp;oX=0&amp;oY=0&amp;cW=226&amp;cH=233/c0f9ed8f5dd38f1c06f3cdbae8808bcb/image.png 1x, https://cloud-1de12d.becdn.net/media/iW=452&amp;iH=466&amp;oX=0&amp;oY=0&amp;cW=452&amp;cH=466/c0f9ed8f5dd38f1c06f3cdbae8808bcb/image.png 2x" src="https://cloud-1de12d.becdn.net/media/iW=345&amp;iH=354&amp;oX=0&amp;oY=0&amp;cW=345&amp;cH=354/c0f9ed8f5dd38f1c06f3cdbae8808bcb/image.png" loading="lazy" alt="" title="" draggable="false"></picture></div></div><div id="" class="brz-css-d-wrapper brz-css-38nxyz brz-wrapper"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-1nc5gfl" data-brz-custom-id="fddieytnpboxhgabtwcyhfviqmivphbvwqto"><div data-brz-translate-text="1"><p class="brz-text-xs-right brz-text-sm-center brz-mt-lg-0 brz-tp-lg-heading6 brz-css-v9EEm" data-uniq-id="vISGh" data-generated-css="brz-css-wg4zb"><span class="brz-cp-color7">Compatible :&nbsp;</span></p><p class="brz-text-xs-right brz-text-sm-center brz-mt-lg-0 brz-tp-lg-heading6 brz-css-l9nQo" data-uniq-id="wzHEW" data-generated-css="brz-css-act8M"><span class="brz-cp-color7">iOS &amp; Android</span></p></div></div></div></div></div><div class="brz-columns brz-css-d-column-column brz-css-ip2vdg" data-brz-custom-id="iikvwlmdvdkltyhruwaamxnoxlvrhinjiqqf"><div class="brz-column__items brz-css-d-column-bg brz-css-195arn"><div id="" class="brz-css-d-wrapper brz-css-r-wrapper brz-css-p94tqi brz-wrapper"><div class="brz-spacer brz-css-d-spacer brz-css-n8ml27"></div></div><div id="" class="brz-css-d-wrapper brz-css-h230a2 brz-wrapper"><div class="brz-image brz-css-d-image-rnzbzbbjomeebwrkjzotkkxqjkbghubpzjfg-parent brz-css-lerkhr" data-brz-custom-id="rnzbzbbjomeebwrkjzotkkxqjkbghubpzjfg"><picture class="brz-picture brz-d-block brz-p-relative brz-css-d-image-rnzbzbbjomeebwrkjzotkkxqjkbghubpzjfg-picture brz-css-lnsn2"><source srcset="https://cloud-1de12d.becdn.net/media/iW=312&amp;iH=210&amp;oX=0&amp;oY=1&amp;cW=312&amp;cH=208/7244dadfd1f17f6ec0de8d8c63ca398d/bricks-des-10e.webp 1x, https://cloud-1de12d.becdn.net/media/iW=624&amp;iH=420&amp;oX=0&amp;oY=2&amp;cW=624&amp;cH=416/7244dadfd1f17f6ec0de8d8c63ca398d/bricks-des-10e.webp 2x" media="(min-width: 992px)"><source srcset="https://cloud-1de12d.becdn.net/media/iW=318&amp;iH=214&amp;oX=0&amp;oY=1&amp;cW=318&amp;cH=212/7244dadfd1f17f6ec0de8d8c63ca398d/bricks-des-10e.webp 1x, https://cloud-1de12d.becdn.net/media/iW=636&amp;iH=428&amp;oX=0&amp;oY=2&amp;cW=636&amp;cH=424/7244dadfd1f17f6ec0de8d8c63ca398d/bricks-des-10e.webp 2x" media="(min-width: 768px)"><img class="brz-img" srcset="https://cloud-1de12d.becdn.net/media/iW=344&amp;iH=232&amp;oX=0&amp;oY=1&amp;cW=344&amp;cH=229/7244dadfd1f17f6ec0de8d8c63ca398d/bricks-des-10e.webp 1x, https://cloud-1de12d.becdn.net/media/iW=688&amp;iH=464&amp;oX=0&amp;oY=2&amp;cW=688&amp;cH=458/7244dadfd1f17f6ec0de8d8c63ca398d/bricks-des-10e.webp 2x" src="https://cloud-1de12d.becdn.net/media/iW=312&amp;iH=210&amp;oX=0&amp;oY=1&amp;cW=312&amp;cH=208/7244dadfd1f17f6ec0de8d8c63ca398d/bricks-des-10e.webp" loading="lazy" alt="" title="bricks-des-10e.webp" draggable="false"></picture></div></div></div></div><div class="brz-columns brz-css-d-column-column brz-css-17t7yx3" data-brz-custom-id="qhybgpdgatofoudzduzijinuhtqrsctjwzkv"><div class="brz-column__items brz-css-d-column-bg brz-css-16bgzsv"><div id="" class="brz-css-d-wrapper brz-css-ehdy2 brz-wrapper"><div class="brz-image brz-css-d-image-mbxoriqzrfenkiqaizjkyzucmtcuvoqgdjto-parent brz-css-x34ft0" data-brz-custom-id="mbxoriqzrfenkiqaizjkyzucmtcuvoqgdjto"><picture class="brz-picture brz-d-block brz-p-relative brz-css-d-image-mbxoriqzrfenkiqaizjkyzucmtcuvoqgdjto-picture brz-css-yts03o"><source srcset="https://cloud-1de12d.becdn.net/media/original/d4d492fccc9cf138b29566eda161fe80/brick-porto.webp 1x, https://cloud-1de12d.becdn.net/media/original/d4d492fccc9cf138b29566eda161fe80/brick-porto.webp 2x" media="(min-width: 992px)"><source srcset="https://cloud-1de12d.becdn.net/media/original/d4d492fccc9cf138b29566eda161fe80/brick-porto.webp 1x, https://cloud-1de12d.becdn.net/media/original/d4d492fccc9cf138b29566eda161fe80/brick-porto.webp 2x" media="(min-width: 768px)"><img class="brz-img" srcset="https://cloud-1de12d.becdn.net/media/original/d4d492fccc9cf138b29566eda161fe80/brick-porto.webp 1x, https://cloud-1de12d.becdn.net/media/original/d4d492fccc9cf138b29566eda161fe80/brick-porto.webp 2x" src="https://cloud-1de12d.becdn.net/media/original/d4d492fccc9cf138b29566eda161fe80/brick-porto.webp" loading="lazy" alt="" title="brick-porto.webp" draggable="false"></picture></div></div></div></div></div></div></div></div></section>
    <section id="xocihrbylvgdwloplnbxqkunmzdyfzzkvuph_xocihrbylvgdwloplnbxqkunmzdyfzzkvuph" class="brz-section brz-css-d-section brz-css-1jes27c"><div class="brz-section__content brz-section--boxed brz-css-d-sectionitem-bg brz-css-1gfgv4h" data-brz-custom-id="fkotqbospxwbarojytdkqlenvznumqgsckzr"><div class="brz-container brz-css-d-sectionitem-container brz-css-j25zti"><div class="brz-row__container brz-css-d-row-row brz-css-vnns3p" data-brz-custom-id="mzybhbgthfcshxsitcarhjobyamsetrleztc"><div class="brz-row brz-css-d-row-container brz-css-r-row-container brz-css-vqnpxh"><div class="brz-columns brz-css-d-column-column brz-css-a39taw" data-brz-custom-id="ojygkrppbifckuihepytmzztiirghkuaxqgw"><div class="brz-bg"><div class="brz-bg-image"></div></div><div class="brz-column__items brz-css-d-column-bg brz-css-1svxquk"><div id="" class="brz-css-d-wrapper brz-css-1mxqn0z brz-wrapper"><div class="brz-image brz-css-d-image-jqypvwrnacwawporsvvjbgwjpmghxxzsgwdq-parent brz-css-lvu0ww" data-brz-custom-id="jqypvwrnacwawporsvvjbgwjpmghxxzsgwdq"><picture class="brz-picture brz-d-block brz-p-relative brz-css-d-image-jqypvwrnacwawporsvvjbgwjpmghxxzsgwdq-picture brz-css-1lzuu5i"><source srcset="https://cloud-1de12d.becdn.net/media/iW=635&amp;iH=249&amp;oX=0&amp;oY=0&amp;cW=635&amp;cH=249/9d0b724d476d2c39a306cb8a99ccf15d/truspilot-bricks.webp 1x, https://cloud-1de12d.becdn.net/media/iW=1270&amp;iH=498&amp;oX=0&amp;oY=0&amp;cW=1270&amp;cH=498/9d0b724d476d2c39a306cb8a99ccf15d/truspilot-bricks.webp 2x" media="(min-width: 992px)"><source srcset="https://cloud-1de12d.becdn.net/media/iW=617&amp;iH=242&amp;oX=0&amp;oY=0&amp;cW=617&amp;cH=242/9d0b724d476d2c39a306cb8a99ccf15d/truspilot-bricks.webp 1x, https://cloud-1de12d.becdn.net/media/iW=1234&amp;iH=484&amp;oX=0&amp;oY=0&amp;cW=1234&amp;cH=484/9d0b724d476d2c39a306cb8a99ccf15d/truspilot-bricks.webp 2x" media="(min-width: 768px)"><img class="brz-img" srcset="https://cloud-1de12d.becdn.net/media/iW=340&amp;iH=133&amp;oX=0&amp;oY=0&amp;cW=340&amp;cH=133/9d0b724d476d2c39a306cb8a99ccf15d/truspilot-bricks.webp 1x, https://cloud-1de12d.becdn.net/media/iW=680&amp;iH=266&amp;oX=0&amp;oY=0&amp;cW=680&amp;cH=266/9d0b724d476d2c39a306cb8a99ccf15d/truspilot-bricks.webp 2x" src="https://cloud-1de12d.becdn.net/media/iW=635&amp;iH=249&amp;oX=0&amp;oY=0&amp;cW=635&amp;cH=249/9d0b724d476d2c39a306cb8a99ccf15d/truspilot-bricks.webp" loading="lazy" alt="" title="truspilot-bricks.webp" draggable="false"></picture></div></div></div></div><div class="brz-columns brz-css-d-column-column brz-css-1ylq7rn" data-brz-custom-id="gpznhliodbkplxziqqvsziqvsbytlvduhxfq"><div class="brz-column__items brz-css-d-column-bg brz-css-f2c5im"><div id="" class="brz-css-d-wrapper brz-css-mowvpk brz-wrapper"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-skl7fw" data-brz-custom-id="qtfzgonvjsetztnxnguthkobrkuygukgamxz"><div data-brz-translate-text="1"><p class="brz-text-sm-center brz-tp-lg-heading3 brz-css-r_PgJ" data-uniq-id="jDynd" data-generated-css="brz-css-fEMgV"><span class="brz-cp-color2">Les avis clients</span></p></div></div></div><div id="" class="brz-css-d-wrapper brz-css-1upv9fo brz-wrapper"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-n0cvly" data-brz-custom-id="yihilxsfcdrebqnzkaijfhayqtbchfhmkrlk"><div data-brz-translate-text="1"><p class="brz-mb-lg-10 brz-tp-lg-paragraph brz-text-sm-center brz-css-ytHZA" data-uniq-id="gktiP" data-generated-css="brz-css-zfELv"><span class="brz-cp-color7">Plus de 4000 avis sur Truspilot avec une note supérieure à 4/5.</span></p></div></div></div><div id="" class="brz-css-d-wrapper brz-css-98ntia brz-wrapper"><div class="brz-icon-text brz-css-d-icontext brz-css-1bobi8q" data-brz-custom-id="klxkvtvyutzrpybdxhxhprizhczvyjshvbms"><div class="brz-icon__container" data-brz-custom-id="nzmacezrzgdczguzchfhmqtnzlaqlvtlvnpv"><span class="brz-icon brz-span brz-css-d-icon-icon brz-css-13javia"><svg class="brz-icon-svg align-[initial]"><use href="https://invest2026.brizy.site/icon/23425512/glyph/check-bold.svg#nc_icon"></use></svg></span></div><div class="brz-text-btn"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-bdogj2" data-brz-custom-id="jhrjdnuffejnkwtctdtamkgatkqmuoasguyn"><div data-brz-translate-text="1"><p class="brz-text-sm-center brz-tp-lg-paragraph brz-css-z6Qtt" data-uniq-id="ss378" data-generated-css="brz-css-lM12Z"><span class="brz-cp-color7">+ de 660 000 membres</span></p></div></div></div></div></div><div id="" class="brz-css-d-wrapper brz-css-1lg54wk brz-wrapper"><div class="brz-icon-text brz-css-d-icontext brz-css-b6936r" data-brz-custom-id="hkllpfybwwtsbycxlbepocumoeufroqvztuj"><div class="brz-icon__container" data-brz-custom-id="xzycnzjctnzvdhendamgnmzpioznbkzdqnij"><span class="brz-icon brz-span brz-css-d-icon-icon brz-css-ozuent"><svg class="brz-icon-svg align-[initial]"><use href="https://invest2026.brizy.site/icon/23425512/glyph/check-bold.svg#nc_icon"></use></svg></span></div><div class="brz-text-btn"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-1n029la" data-brz-custom-id="yxsquwjucbsixsiqdilgcnceewrzexcctctt"><div data-brz-translate-text="1"><p class="brz-text-sm-center brz-tp-lg-paragraph brz-css-tcMZp" data-uniq-id="pox6t" data-generated-css="brz-css-y_6qc"><span class="brz-cp-color7">+ de 200 projets financés</span></p></div></div></div></div></div><div id="" class="brz-css-d-wrapper brz-css-29nl8g brz-wrapper"><div class="brz-icon-text brz-css-d-icontext brz-css-jy2o43" data-brz-custom-id="luowfdtcnhezbwjhxlaboiyxpsuexnybswsv"><div class="brz-icon__container" data-brz-custom-id="cxcfwsyolaqcgfdczmtxqmlnytvbrcqiquen"><span class="brz-icon brz-span brz-css-d-icon-icon brz-css-1331htb"><svg class="brz-icon-svg align-[initial]"><use href="https://invest2026.brizy.site/icon/23425512/glyph/check-bold.svg#nc_icon"></use></svg></span></div><div class="brz-text-btn"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-17kntp" data-brz-custom-id="mambzxgrvygwwuekplkyuuucpcisxdzfmgyk"><div data-brz-translate-text="1"><p class="brz-text-sm-center brz-tp-lg-paragraph brz-css-c82Jk" data-uniq-id="efTBl" data-generated-css="brz-css-cnE2u"><span class="brz-cp-color7">Des projets jusqu'à 5 millions €</span></p></div></div></div></div></div><div id="" class="brz-css-d-wrapper brz-css-r-wrapper brz-css-qqi9sk brz-wrapper"><div class="brz-spacer brz-css-d-spacer brz-css-zue03n"></div></div><div class="brz-wrapper-clone brz-flex-xs-wrap brz-css-d-cloneable brz-css-1xhe0z7" data-brz-custom-id="ejfbgkoowzefjgalqdsdbabuztfuvneyriuo"><a class="brz-a brz-btn brz-css-d-button brz-css-mxlk3m ads brz-css-d-button-bg brz-css-xtfkj4" target="_blank" rel="noopener nofollow noreferrer" href="https://my.w3dd.link/bricks" data-brz-link-type="external" data-brz-custom-id="odmtgfyypvidlsmlcizufokgqggnarsethfb"><span data-brz-translate-text="1" class="brz-span brz-text__editor">participer</span></a></div></div></div></div></div></div></div></section>
    <section id="emncruheksmumyvgqxmtnezmvrkokzezmtiu_emncruheksmumyvgqxmtnezmvrkokzezmtiu" class="brz-section brz-css-d-section brz-css-1cbdqnh"><div class="brz-section__content brz-section--boxed brz-css-d-sectionitem-bg brz-css-1a7mkgq" data-brz-custom-id="vlujsdmwqnpxgshxandkqeiyvmlsmzvlbwut"><div class="brz-bg"><div class="brz-bg-image"></div></div><div class="brz-container brz-css-d-sectionitem-container brz-css-c9g7c8"><div class="brz-row__container brz-css-d-row-row brz-css-ei0q67" data-brz-custom-id="hwmcitdvxsdjgwpqwgqkqyvwvlcepiqmhbso"><div class="brz-row brz-css-d-row-container brz-css-r-row-container brz-css-a2tgwx"><div class="brz-columns brz-css-d-column-column brz-css-45kwh3" data-brz-custom-id="wblskslosfyknxsykeeklddalrdumubmqrtm"><div class="brz-column__items brz-css-d-column-bg brz-css-9z02x9"><div id="" class="brz-css-d-wrapper brz-css-r-wrapper brz-css-oo4za8 brz-wrapper"><div class="brz-spacer brz-css-d-spacer brz-css-1yiy16f"></div></div><div id="" class="brz-css-d-wrapper brz-css-1xfhy68 brz-wrapper"><div class="brz-icon-text brz-css-d-icontext brz-css-1pngzmt" data-brz-custom-id="zfnfljhgyleribftkcwacemgwjmfoajtyzcu"><div class="brz-icon__container" data-brz-custom-id="huhycvlgxtgevrnwugzzyhighvroqweuspwv"><span class="brz-icon brz-span brz-css-d-icon-icon brz-css-swoq6r"><svg class="brz-icon-svg align-[initial]"><use href="https://invest2026.brizy.site/icon/23425512/outline/security.svg#nc_icon"></use></svg></span></div><div class="brz-text-btn"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-tzif4u" data-brz-custom-id="opryaajunqznfioaxekcodvqimtncnttgocj"><div data-brz-translate-text="1"><p class="brz-mb-xs-5 brz-mb-lg-15 brz-tp-lg-heading4 brz-css-kamBi" data-uniq-id="pntoR" data-generated-css="brz-css-kQNC2"><span class="brz-cp-color2">Sécurité et règlementations</span></p><p class="brz-tp-lg-paragraph brz-css-tkZk8" data-uniq-id="cVypD" data-generated-css="brz-css-iZ7dw">Bricks exerce ses activités dans un environnement réglementé, qui garantit un niveau de sécurité élevé.</p></div></div></div></div></div><div id="" class="brz-css-d-wrapper brz-css-r-wrapper brz-css-12klacx brz-wrapper"><div class="brz-spacer brz-css-d-spacer brz-css-ofkwax"></div></div><div id="" class="brz-css-d-wrapper brz-css-fz0fw1 brz-wrapper"><div class="brz-icon-text brz-css-d-icontext brz-css-2h94c6" data-brz-custom-id="pboiiexptqrvlltfyrxgdwylxeshpobbmbiq"><div class="brz-icon__container" data-brz-custom-id="zmgyvwwwkosoemiysvlyxtcishwzijuyyyun"><span class="brz-icon brz-span brz-css-d-icon-icon brz-css-qx4fzn"><svg class="brz-icon-svg align-[initial]"><use href="https://invest2026.brizy.site/icon/23425512/outline/books.svg#nc_icon"></use></svg></span></div><div class="brz-text-btn"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-1ghepuk" data-brz-custom-id="qtvnrcaadmvunwlqrvuierygwslrpmygfomp"><div data-brz-translate-text="1"><p class="brz-tp-lg-heading4 brz-mb-lg-15 brz-mb-xs-5 brz-css-qDgLh" data-generated-css="brz-css-rNYRl" data-uniq-id="xGh6u"><span class="brz-cp-color2">Ressources pédagogiques</span></p><p class="brz-tp-lg-paragraph brz-css-pSmhG" data-generated-css="brz-css-gojP6" data-uniq-id="cjBFf"><span class="brz-cp-color7" style="color: rgb(79, 93, 121);">Des cours gratuits pour maîtriser tous les aspects de la solution. Découvrez dès maintenant les formations en ligne !</span></p></div></div></div></div></div><div id="" class="brz-css-d-wrapper brz-css-r-wrapper brz-css-1a6o6lz brz-wrapper"><div class="brz-spacer brz-css-d-spacer brz-css-v7q2ss"></div></div><div id="" class="brz-css-d-wrapper brz-css-17g56tx brz-wrapper"><div class="brz-icon-text brz-css-d-icontext brz-css-1bvgniu" data-brz-custom-id="bUwxibZCFOU3"><div class="brz-icon__container" data-brz-custom-id="oUoYiYFZUSYh"><span class="brz-icon brz-span brz-css-d-icon-icon brz-css-14gdtjl"><svg class="brz-icon-svg align-[initial]"><use href="https://invest2026.brizy.site/icon/23425512/outline/refresh-69.svg#nc_icon"></use></svg></span></div><div class="brz-text-btn"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-11i8e04" data-brz-custom-id="qPlHCF5VuhAI"><div data-brz-translate-text="1"><p class="brz-tp-lg-heading4 brz-mb-lg-15 brz-mb-xs-5 brz-css-gIUt9" data-generated-css="brz-css-r88WY" data-uniq-id="gV70k"><span class="brz-cp-color2">Investissements automatiques</span></p><p class="brz-tp-lg-paragraph brz-css-qM9_m" data-generated-css="brz-css-g7Fks" data-uniq-id="sewTZ"><span class="brz-cp-color7" style="color: rgb(118, 129, 139);">Configurez vos critères en quelques clics pour ne manquer aucun deal et laissez l'investissement automatique diversifier votre portefeuille.</span></p></div></div></div></div></div><div class="brz-wrapper-clone brz-flex-xs-wrap brz-css-d-cloneable brz-css-2pog4b" data-brz-custom-id="yspqbvkoqpnlckyrweleuwejxjhgzkwbmfbd"><a class="brz-a brz-btn brz-css-d-button brz-css-1cpnvf0 ads brz-css-d-button-bg brz-css-x9gc2i" target="_blank" rel="noopener nofollow noreferrer" href="https://my.w3dd.link/bricks" data-brz-link-type="external" data-brz-custom-id="gyxrdjwagjwowxyusnzoezbguuhxwabgszrx"><span data-brz-translate-text="1" class="brz-span brz-text__editor">je me lance</span></a></div></div></div><div class="brz-columns brz-css-d-column-column brz-css-16ynbac" data-brz-custom-id="rgscyjauzwcaidamzpzadxnypbtaziffcnpi"><div class="brz-column__items brz-css-d-column-bg brz-css-tx4cbm"><div id="" class="brz-css-d-wrapper brz-css-ma7ue9 brz-wrapper"><div class="brz-icon-text brz-css-d-icontext brz-css-mnvm9b" data-brz-custom-id="bdvmqpwwjrlftcwumvspwtwsxkcdrtvchuhp"><div class="brz-icon__container" data-brz-custom-id="hpyyagwsecuzrymlvzvhofhagwdbwicqrqna"><span class="brz-icon brz-span brz-css-d-icon-icon brz-css-1oijpeh"><svg class="brz-icon-svg align-[initial]"><use href="https://invest2026.brizy.site/icon/23425512/outline/eye-17.svg#nc_icon"></use></svg></span></div><div class="brz-text-btn"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-19xgfhl" data-brz-custom-id="msnminmihgydybcxdrjklgrbptzxvnvdifkf"><div data-brz-translate-text="1"><p class="brz-tp-lg-heading4 brz-mb-lg-15 brz-mb-xs-5 brz-css-dxdvf" data-generated-css="brz-css-sS1wq" data-uniq-id="rAWAN"><span class="brz-cp-color2">Sélection et analyse</span></p><p class="brz-tp-lg-paragraph brz-css-gIh3b" data-generated-css="brz-css-la59M" data-uniq-id="uZonJ"><span class="brz-cp-color7">Des opportunités d'investissements analysées avant publication selon des critères précis.</span></p></div></div></div></div></div><div id="" class="brz-css-d-wrapper brz-css-r-wrapper brz-css-1kyeqbk brz-wrapper"><div class="brz-spacer brz-css-d-spacer brz-css-imjulz"></div></div><div id="" class="brz-css-d-wrapper brz-css-oztktq brz-wrapper"><div class="brz-icon-text brz-css-d-icontext brz-css-1tsw279" data-brz-custom-id="fmbamcsjrmtmvowwvgrguwsnncicwfygmiwv"><div class="brz-icon__container" data-brz-custom-id="kdayskwvnrxcksohlqeaostvqxyrtepynbhl"><span class="brz-icon brz-span brz-css-d-icon-icon brz-css-1s8u730"><svg class="brz-icon-svg align-[initial]"><use href="https://invest2026.brizy.site/icon/23425512/outline/round-euro.svg#nc_icon"></use></svg></span></div><div class="brz-text-btn"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-1kb6d9l" data-brz-custom-id="gtzbjevnyptewxcgcxignxefxfdmgrwdogmt"><div data-brz-translate-text="1"><h4 data-generated-css="brz-css-wiiPr" data-uniq-id="b2edM" class="brz-tp-lg-heading4 brz-mb-lg-15 brz-mb-xs-5 ql-align-center brz-css-uQaqH"><span class="brz-cp-color2">Frais optimisés</span></h4><p class="brz-tp-lg-paragraph brz-css-un0xa" data-generated-css="brz-css-rOJTN" data-uniq-id="dJYSL"><span class="brz-cp-color7">0% de frais d'entrée</span></p><p data-generated-css="brz-css-rOJTN" data-uniq-id="dJYSL" class="brz-tp-lg-paragraph brz-css-wgbOw"><span class="brz-cp-color7">0% de frais de gestion</span></p><p data-generated-css="brz-css-rOJTN" data-uniq-id="dJYSL" class="brz-tp-lg-paragraph brz-css-ikURz"><span class="brz-cp-color7">1,20€ TTC de frais de retrait </span></p></div></div></div></div></div><div id="" class="brz-css-d-wrapper brz-css-r-wrapper brz-css-1d8og27 brz-wrapper"><div class="brz-spacer brz-css-d-spacer brz-css-9ddr8b"></div></div><div id="" class="brz-css-d-wrapper brz-css-e3nq0g brz-wrapper"><div class="brz-icon-text brz-css-d-icontext brz-css-cz057x" data-brz-custom-id="merjlfurwbpfarhttcqgqxxezdfupptthibx"><div class="brz-icon__container" data-brz-custom-id="ocpfuxzqsrwmozsxeltjfsdrziywgslcavhw"><span class="brz-icon brz-span brz-css-d-icon-icon brz-css-mh7p1j"><svg class="brz-icon-svg align-[initial]"><use href="https://invest2026.brizy.site/icon/23425512/outline/voice-record.svg#nc_icon"></use></svg></span></div><div class="brz-text-btn"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-1g1sj3c" data-brz-custom-id="gewnjeixoobqdubqlmhjckllfsosqroccbjv"><div data-brz-translate-text="1"><p class="brz-tp-lg-heading4 brz-mb-lg-15 brz-mb-xs-5 brz-css-fzFlx" data-generated-css="brz-css-xnje9" data-uniq-id="vYfsu"><span class="brz-cp-color2">Assistance</span></p><p class="brz-tp-lg-paragraph brz-css-s0dJm" data-generated-css="brz-css-dxuvb" data-uniq-id="pZdAV"><span class="brz-cp-color7" style="color: rgb(79, 93, 121);">Une équipe est à votre disposition pour vous aider de 8h à 19h du lundi au vendredi.</span></p></div></div></div></div></div><div id="" class="brz-css-d-wrapper brz-css-r-wrapper brz-css-qckon6 brz-wrapper"><div class="brz-spacer brz-css-d-spacer brz-css-1iax3io"></div></div></div></div></div></div></div></div></section>
    <section id="zqpjjadzsehesodnoqvhcpeutwjiaxahuvkq_zqpjjadzsehesodnoqvhcpeutwjiaxahuvkq" class="brz-section brz-css-d-section brz-css-28uggu"><div class="brz-section__content brz-section--boxed brz-css-d-sectionitem-bg brz-css-1ygztvs" data-brz-custom-id="wembndpjpziseorzlktsxowwehnhptycjdpy"><div class="brz-container brz-css-d-sectionitem-container brz-css-1u56rrh"><div class="brz-row__container brz-css-d-row-row brz-css-150nf9g" data-brz-custom-id="zwmrsteaxczxtldmyodvdjajhvdudwypgwis"><div class="brz-row brz-css-d-row-container brz-css-r-row-container brz-css-yddu9t"><div class="brz-columns brz-css-d-column-column brz-css-ls48q8" data-brz-custom-id="spktknarcsljgvzisnondaveehxwesqbfoxs"><div class="brz-bg"><div class="brz-bg-color"></div></div><div class="brz-column__items brz-css-d-column-bg brz-css-1sx2xrd"><div class="brz-row__container brz-css-d-row-row brz-css-7orzab" data-brz-custom-id="zockomroiozghxcqvcfpnqanpushuanvptdf"><div class="brz-row brz-row--inner brz-css-d-row-container brz-css-r-row-container brz-css-axvbv"><div class="brz-columns brz-css-d-column-column brz-css-1qgq1fq" data-brz-custom-id="kwoqdztqfjmhgeuhaktwlgmmagbwwjspodlu"><div class="brz-bg"><div class="brz-bg-image"></div></div><div class="brz-column__items brz-css-d-column-bg brz-css-cmwo51"><div id="" class="brz-css-d-wrapper brz-css-50x9gz brz-wrapper"><div class="brz-image brz-css-d-image-wmycbuthwhs9-parent brz-css-bjsb6x" data-brz-custom-id="wmycBUTHWhS9"><picture class="brz-picture brz-d-block brz-p-relative brz-css-d-image-wmycbuthwhs9-picture brz-css-1l1zbaa"><source srcset="https://cloud-1de12d.becdn.net/media/original/f82865c050fe14db9f982d199db211a5/Photo-Cedric.webp 1x, https://cloud-1de12d.becdn.net/media/original/f82865c050fe14db9f982d199db211a5/Photo-Cedric.webp 2x" media="(min-width: 992px)"><source srcset="https://cloud-1de12d.becdn.net/media/original/f82865c050fe14db9f982d199db211a5/Photo-Cedric.webp 1x, https://cloud-1de12d.becdn.net/media/original/f82865c050fe14db9f982d199db211a5/Photo-Cedric.webp 2x" media="(min-width: 768px)"><img class="brz-img" srcset="https://cloud-1de12d.becdn.net/media/original/f82865c050fe14db9f982d199db211a5/Photo-Cedric.webp 1x, https://cloud-1de12d.becdn.net/media/original/f82865c050fe14db9f982d199db211a5/Photo-Cedric.webp 2x" src="https://cloud-1de12d.becdn.net/media/original/f82865c050fe14db9f982d199db211a5/Photo-Cedric.webp" loading="lazy" alt="" title="Photo-Cedric.webp" draggable="false"></picture></div></div><div id="" class="brz-css-d-wrapper brz-css-1qetkua brz-wrapper"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-3ba83k" data-brz-custom-id="zoahchqoiynjgsomlahequziiwgtbvufyyev"><div data-brz-translate-text="1"><h3 class="brz-mb-lg-10 brz-tp-lg-heading4 brz-text-lg-center brz-css-fErFQ" data-uniq-id="dFkY5" data-generated-css="brz-css-yL4Z4"><span class="brz-cp-color6">"Vous aussi profitez d'opportunités exceptionnelles"</span></h3></div></div></div><div class="brz-wrapper-clone brz-flex-xs-wrap brz-css-d-cloneable brz-css-4wnwxx" data-brz-custom-id="vHVMwYHzHtjE"><a class="brz-a brz-btn brz-css-d-button brz-css-m9rf0c ads brz-css-d-button-bg brz-css-nxl93a" target="_blank" rel="noopener nofollow noreferrer" href="https://my.w3dd.link/bricks" data-brz-link-type="external" data-brz-custom-id="jZgQQSkNL6ID"><span data-brz-translate-text="1" class="brz-span brz-text__editor">COMMENCER à investir&nbsp;</span></a></div><div class="brz-wrapper-clone brz-flex-xs-wrap brz-css-d-cloneable brz-css-qxm4fq" data-brz-custom-id="gJ5j27U_DUdH"><a class="brz-a brz-btn brz-css-d-button brz-css-1gqofn5 ads brz-css-d-button-bg brz-css-o9s2uc" target="_blank" rel="noopener nofollow noreferrer" href="https://my.w3dd.link/bricks" data-brz-link-type="external" data-brz-custom-id="ejqRho2yZBH2"><span data-brz-translate-text="1" class="brz-span brz-text__editor">COMMENCER A INVESTIR&nbsp;</span></a></div><div class="brz-wrapper-clone brz-flex-xs-wrap brz-css-d-cloneable brz-css-uvb6kq" data-brz-custom-id="nebxbvkdjbrbfvbjbuljkjilawldkmudgdcm"><a class="brz-a brz-btn brz-css-d-button brz-css-5mwmej brz-css-d-button-bg brz-css-ore6xh" target="_self" rel="noopener" data-brz-link-type="external" data-brz-custom-id="zjvflzboknbowcjibgoskcnvhxhcmuzrcaoz"><span data-brz-translate-text="1" class="brz-span brz-text__editor">LET'S SET UP A CALL</span></a></div></div></div></div></div></div></div></div></div></div></div></section>
    </div><div class="brz brz-conditions-popup brz-conditions-internal-popup"  data-brz-trigger_once=""><div class="brz brz-popup2 brz-popup2__preview brz-popup2__auto brz-popup2--fixed brz-css-d-sectionpopup2 brz-css-1g5sn8b" id="mgcdihbcvpmzuvbkkvlbhbedjlxabejrjqzr" data-brz-popup="mgcdihbcvpmzuvbkkvlbhbedjlxabejrjqzr" data-brz-click_outside_to_close="true" data-brz-once-id="mgcdihbcvpmzuvbkkvlbhbedjlxabejrjqzr" data-brz-custom-id="pTdu6sBwajZu"><div class="brz-bg"><div class="brz-bg-color"></div></div><div class="brz-popup2__inner brz-d-xs-flex brz-flex-xs-wrap brz-css-d-sectionpopup2-bg brz-css-xa5iwn"><div class="brz-container__wrap"><div class="brz-popup2__close" data-brz-custom-id="pTdu6sBwajZu--close"><svg class="brz-icon-svg align-[initial]"><use href="https://invest2026.brizy.site/icon/23425512/editor/close-popup.svg#brz_icon"></use></svg></div><div class="brz-container"><div class="brz-row__container brz-css-d-row-row brz-css-q2i3du" data-brz-custom-id="qfE8Xb3mJF1k"><div class="brz-bg"><div class="brz-bg-color"></div></div><div class="brz-row brz-css-d-row-container brz-css-qhu70k"><div class="brz-columns brz-css-d-column-column brz-css-1if2n94" data-brz-custom-id="kojHsaqXq_0d"><div class="brz-column__items brz-css-d-column-bg brz-css-e2bufr"><div id="" class="brz-css-d-wrapper brz-css-15akz3q brz-wrapper"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-1foh89s" data-brz-custom-id="pqwZdjZEkrsr"><div data-brz-translate-text="1"><h3 class="brz-text-xs-center brz-tp-lg-heading3 brz-css-g2Oto" data-uniq-id="mFzX5" data-generated-css="brz-css-iuvO1"><span class="brz-cp-color2">Disclaimer</span></h3></div></div></div><div id="" class="brz-css-d-wrapper brz-css-h5qia1 brz-wrapper"><div class="brz-rich-text brz-rich-text__custom brz-css-d-richtext brz-css-1h914h6" data-brz-custom-id="fG0oS2Ajv9_S"><div data-brz-translate-text="1"><p class="brz-fss-lg-px brz-fw-lg-400 brz-ls-lg-0 brz-lh-lg-1_6 brz-vfw-lg-400 brz-fwdth-lg-100 brz-fsft-lg-0 brz-ff-palanquin brz-ft-google brz-fs-lg-15 brz-tp-lg-empty brz-mb-lg-5 brz-text-xs-center brz-css-y9ShR" data-generated-css="brz-css-gpp45" data-uniq-id="wo6na"><span class="brz-cp-color2" style="color: rgb(17, 64, 80);">Les informations contenues sur ce site&nbsp;sont diffusées à titre d’information seulement. Elles ne constituent pas un conseil en investissement. Il appartient à l'utilisateur majeur et responsable de choisir de tester les services présentés. </span></p><p class="brz-fss-lg-px brz-fw-lg-400 brz-ls-lg-0 brz-lh-lg-1_6 brz-vfw-lg-400 brz-fwdth-lg-100 brz-fsft-lg-0 brz-ff-palanquin brz-ft-google brz-fs-lg-15 brz-tp-lg-empty brz-mb-lg-5 brz-text-xs-center brz-css-kCEaf" data-generated-css="brz-css-gpp45" data-uniq-id="wo6na"><span class="brz-cp-color2" style="color: rgb(17, 64, 80);"> </span></p><p class="brz-fss-lg-px brz-fw-lg-400 brz-ls-lg-0 brz-lh-lg-1_6 brz-vfw-lg-400 brz-fwdth-lg-100 brz-fsft-lg-0 brz-ff-palanquin brz-ft-google brz-fs-lg-15 brz-tp-lg-empty brz-mb-lg-5 brz-text-xs-center brz-css-vIqsK" data-generated-css="brz-css-esRiE" data-uniq-id="qVaAF"><span class="brz-cp-color2" style="color: rgb(17, 64, 80);">Les investissements comportent des risques, notamment le risque de perte partielle ou totale de capital. Aucun conseil et aucune information, qu’ils soient oraux ou écrits, obtenus sur ce site, ne sont susceptibles de créer des garanties. </span><span class="brz-cp-color2" style="color: rgb(10, 35, 55);">N'investissez que l'argent dont vous n'avez pas besoin immédiatement, et diversifiez vos investissements.</span></p><p class="brz-fss-lg-px brz-fw-lg-400 brz-ls-lg-0 brz-lh-lg-1_6 brz-vfw-lg-400 brz-fwdth-lg-100 brz-fsft-lg-0 brz-ff-palanquin brz-ft-google brz-fs-lg-15 brz-tp-lg-empty brz-mb-lg-5 brz-text-xs-center brz-css-sEnb5" data-generated-css="brz-css-esRiE" data-uniq-id="qVaAF"><span class="brz-cp-color2" style="color: rgb(10, 35, 55);"> </span></p><p class="brz-mb-lg-5 brz-text-xs-center brz-tp-lg-empty brz-fss-lg-px brz-fw-lg-400 brz-ls-lg-0 brz-lh-lg-1_6 brz-vfw-lg-400 brz-fwdth-lg-100 brz-fsft-lg-0 brz-ff-palanquin brz-ft-google brz-fs-lg-15 brz-css-wthOB" data-generated-css="brz-css-m0lFv" data-uniq-id="fXPfc"><span class="brz-cp-color2" style="color: rgb(17, 64, 80);">Certains liens présents sur cette page sont des liens d'affiliation, il ne vous ajoute aucun frais mais permettent à l'éditeur du site de maintenir le support.</span></p></div></div></div></div></div></div></div></div></div></div></div>
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