Choisir mon bateau: bateau neuf ou bateau d’occasion ?

bateau neufToujours à la quête de notre bateau de rêve, nous avons acheté une pile de magazines, sommes allés sur un salon et avons surfé sur internet et les forums ! Constat : le choix est immensément large, nous sommes un peu perdus. Au fait, est-il préférable de s’orienter vers un bateau neuf ou d’occasion ?

Qu’importe, ne pas se tromper de modèle est l’essentiel !

Alors bateau neuf ou bateau d’occasion : qu’importe. Le plus important est que le bateau corresponde vraiment à vos besoins. On voit trop de plaisanciers se précipiter et revendre leurs bateaux parce qu’il ne leur correspondait pas (Lire : Quel bateau pour quelle(s) utilisation(s) ?).

Surtout pas de précipitation. Dans les deux cas il est primordial de prendre son temps. En se documentant, en observant, questionnant les professionnels, en essayant certains modèles et surtout en comparant les offres du marché. Pouvoir se dire qu’on a fait une bonne affaire et le bon choix en fonction d’un certain nombre de critères.

Pour commencer à se renseigner les magazines et internet sont de bons alliés, ils permettent de “débroussailler” les informations. Entre les annonces, l’argus, les blogs, les forums, les retours d’expériences des utilisateurs, la toile ne manque pas d’information sur les bateaux. En même temps nous trouvons qu’il est difficile de s’y retrouver. Assez rapidement, nous conseillons donc de faire appel à des professionnels pour vous accompagner dans votre démarche globale car ses derniers proposent pour la plupart du neuf et de l’occasion.

Autre point, si dès le début, vous penchez plutôt vers un bateau d’occasion, nous vous conseillons quand même d’aller voir des bateaux neufs. Les professionnels vous aideront à définir vos besoins, et vous pourrez clairement établir vos critères de sélection pour les modèles d’occasion. Ce sera un avantage certain pour faire le bon choix car les offres d’occasion sont très importantes et ce serait dommage de se tromper.

Parce que votre budget restera aussi un critère déterminant, n’oubliez pas de rajouter dès le départ, et ce quelque soit le type d’achat, des frais annexes mais souvent non négligeables : le permis bateau (si besoin), l’assurance (pouvant aller jusqu’à 12% annuel du prix du bateau), le passeport maritime, une taxe spéciale si votre bateau fait plus de 100 CV, les frais de place de port, de mouillage ou d’anneau et surtout l’entretien du bateau.

Pour faire peser la balance entre bateau neuf ou bateau d’occasion, reprenons les avantages et les inconvénients pour chacune de ces options.

Le bateau neuf : pas de grosses surprises !

Comme pour le marché de l’automobile la décote est importante la première année (perte d’environ de 15 à 17% de la valeur du bateau), les années suivantes il faut compter de 8 à 12%, et au delà de 6 ans de 4 à 6 %. La comparaison entre les bateaux neufs est plus facile, notamment au niveau des options et des tarifs car il suffit de demander plusieurs devis détaillés pour y voir plus clair. De même, pour le financement, les comparaisons sont possibles et l’acquisition d’un bateau neuf permet souvent d’accéder à des taux d’intérêt plus bas et une durée plus longue. Financièrement parlant, il est donc recommandé de prendre son temps et ne pas envisager une revente proche sauf si vos moyens vous le permettent.

Les bateaux neufs sont visibles sur les salons et chez certains professionnels. Vous pouvez acheter un modèle d’exposition, le commander, le faire construire ou le construire vous même. La personnalisation est donc un des avantages majeurs des modèles neufs. Par contre il est très difficile de pouvoir l’essayer avant de signer. Un bateau neuf mis à la mer une fois n’est plus un bateau neuf, et maintenant que vous connaissez la décote, vous comprenez pourquoi !

Dès sa réception vous pouvez profiter de votre bateau et il est sous garantie pendant le temps défini dans votre contrat d’achat. Les mauvaises surprises sont rares et au moindre problème vous pouvez contacter votre vendeur.

Le bateau d’occasion : faites appel à un expert !

Pour un bateau qui n’est pas neuf, il est clair que son ancienneté et son état général devront être pris en compte dans votre choix. Même si vous connaissez le vendeur, si à vos yeux le bateau vous parait impeccable, qu’il a toujours été entretenu et même si vous êtes pressés, l’occasion requiert un peu plus de vigilances.

Les bateaux de moins de 10 ans, à la condition d’avoir été bien entretenus, ne présentent généralement pas de soucis particuliers.

Les bateaux de 15 à 20 d’âge doivent être soigneusement examinés : la carène (osmose), la quille et le gréement. Il est préférable que la cale du moteur soit propre, ce qui est d’une manière générale un bon indicateur.

Si certains bateaux des années 70-80 sont encore en bon état général, d’autres ont mal vieilli. Problèmes d’étanchéités (des hublots par exemple), de corrosion, de visseries, de joints sur les ponts,…etc la liste est longue. Les voiles ont parfois pris l’humidité avec le temps, l’intérieur du bateau peut présenter des petites moisissures. Il faut donc garder les yeux bien ouverts lors de la visite.

Dans tous les cas, nous vous recommandons de nommer un expert pour réaliser ce que l’on appelle “une expertise pré-achat” ou “pré-transactionnelle”. C’est un peu comme un contrôle technique complet qui peu paraître un peu coûteux mais qui au final vous aidera à confirmer ou non votre achat mais surtout vous permettra d’éviter les mauvaises surprises (qui vous coûteraient beaucoup plus cher). Cette expertise sert à définir l’état général du bateau : le contrôle visuel et dynamique, l’intégrité structurel, la conformité aux réglementations, la mise en route des équipements, la vérification de la motorisation, le gréement, le taux d’humidité…etc.

A l’issue de l’expertise un document complet vous sera remis comprenant potentiellement des vices cachés, les points qui nécessitent une remise en état ainsi que les travaux éventuels à réaliser pour que le bateau puisse naviguer. Le professionnel pourra aussi contrôler l’aspect administratif, et vous informer sur l’intérêt financier d’un achat en fonction des côtes de bateaux et de l’offre et la demande du marché. Si certains bateaux décotent d’une façon classique d’autres perdent très peu de leur valeur initiale, notamment lorsqu’ils sont recherchés. L’avis d’un professionnel devient alors précieux.

Un dernier conseil, comparez bien les offres des experts et demandez des devis à l’avance. Les tarifs s’échelonnent de 32 à 55 € HT environ le mètre linéaire (hors frais de déplacement). Il faut prévoir une mise à l’eau du bateau s’il est à terre et en terme de temps, il faut compter environ 2 à 3 heures.

Vive l’aventure !

A vous de soupeser le pour et le contre entre l’acquisition d’un bateau neuf ou d’un bateau d’occasion en fonction de votre projet personnel. Efforcez-vous de trouver une solution pour essayer ou louer le bateau avant de l’acheter et ainsi vous faire votre propre avis. Il y a forcément un modèle de bateau qui vous correspond, qui est en phase avec votre budget. Et puis c’est prouvé, les amoureux de la mer ont plusieurs bateaux tout au long de leur vie. Alors vive l’aventure et n’oubliez jamais de sabrer le champagne à chaque acquisition !

Réagissez : selon vous, quelle est la meilleure solution pour acheter son bateau : du neuf ou de l’occasion? pourquoi ? Faites nous part de votre expérience.

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