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   <news:title>Transmettre</news:title>
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  <lastmod>2026-10-23T19:59:18Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
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   <news:title>Arbitrer son patrimoine</news:title>
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  <news:news>
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    <news:name>Notre indépendance financière</news:name>
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   <news:title>FIRE et immobilier</news:title>
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  <lastmod>2026-10-23T19:56:01Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
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   <news:title>Les risques qu’on ne montre pas</news:title>
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  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
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   <news:title>Le calcul honnête</news:title>
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  <lastmod>2026-10-23T20:03:54Z</lastmod>
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   <news:publication>
    <news:name>Notre indépendance financière</news:name>
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   <news:title>Revendre et payer la plus-value</news:title>
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  <lastmod>2026-10-23T19:51:37Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>Diviser un bien ou changer son usage</news:title>
   <news:publication_date>2026-10-23T19:51:37Z</news:publication_date>
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  <lastmod>2026-10-23T19:50:15Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>Acheter un immeuble de rapport</news:title>
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  <lastmod>2026-10-23T19:49:04Z</lastmod>
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    <news:name>Notre indépendance financière</news:name>
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   <news:title>Location courte durée : les règles actuelles</news:title>
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  <lastmod>2026-10-23T19:47:32Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>La colocation : rendement et vrais risques</news:title>
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  <loc>https://notre-independance.com/formation/copropriete-et-travaux/</loc>
  <lastmod>2026-10-23T18:42:18Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>Copropriété et travaux</news:title>
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  <loc>https://notre-independance.com/formation/encadrement-des-loyers/</loc>
  <lastmod>2026-10-23T18:40:32Z</lastmod>
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    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>Encadrement des loyers</news:title>
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  <loc>https://notre-independance.com/formation/garanties-et-impayes/</loc>
  <lastmod>2026-10-23T18:39:06Z</lastmod>
  <news:news>
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    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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  <loc>https://notre-independance.com/formation/choisir-son-locataire/</loc>
  <lastmod>2026-10-23T18:37:37Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>Choisir son locataire</news:title>
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  <loc>https://notre-independance.com/formation/rediger-un-bail-solide/</loc>
  <lastmod>2026-10-23T18:36:10Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>Rédiger un bail solide</news:title>
   <news:publication_date>2026-10-23T18:36:10Z</news:publication_date>
   <news:genres>Blog</news:genres>
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 <url>
  <loc>https://notre-independance.com/formation/sci-ir-ou-is/</loc>
  <lastmod>2026-10-23T18:54:17Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>SCI à l’IR ou à l’IS</news:title>
   <news:publication_date>2026-10-23T17:42:22Z</news:publication_date>
   <news:genres>Blog</news:genres>
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 <url>
  <loc>https://notre-independance.com/formation/dispositif-jeanbrun/</loc>
  <lastmod>2026-10-23T18:52:48Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>Le dispositif Jeanbrun</news:title>
   <news:publication_date>2026-10-23T17:41:04Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <loc>https://notre-independance.com/formation/lmnp-2026/</loc>
  <lastmod>2026-10-23T18:51:19Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>Le LMNP en 2026</news:title>
   <news:publication_date>2026-10-23T17:39:55Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <loc>https://notre-independance.com/formation/micro-ou-reel-regime-fiscal/</loc>
  <lastmod>2026-10-23T18:49:54Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>Micro ou réel : choisir son régime</news:title>
   <news:publication_date>2026-10-23T17:38:43Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <loc>https://notre-independance.com/formation/location-nue-ou-meublee/</loc>
  <lastmod>2026-10-23T18:48:20Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>Location nue ou meublée</news:title>
   <news:publication_date>2026-10-23T17:34:06Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <loc>https://notre-independance.com/formation/suivre-chantier-reception-travaux/</loc>
  <lastmod>2026-10-23T16:51:04Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>Suivre son chantier et réceptionner les travaux</news:title>
   <news:publication_date>2026-10-23T16:51:04Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <loc>https://notre-independance.com/formation/renovation-energetique-passoire/</loc>
  <lastmod>2026-10-23T17:03:45Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>Rénovation énergétique : sortir d’une passoire et aides associées</news:title>
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   <news:genres>Blog</news:genres>
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  <loc>https://notre-independance.com/formation/comparer-devis-choisir-artisans/</loc>
  <lastmod>2026-10-23T17:03:32Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>Comparer des devis et choisir ses artisans</news:title>
   <news:publication_date>2026-10-23T16:12:56Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <loc>https://notre-independance.com/formation/budget-travaux-au-m2/</loc>
  <lastmod>2026-10-23T17:00:36Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>Estimer un budget travaux au m²</news:title>
   <news:publication_date>2026-10-23T13:32:40Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <loc>https://notre-independance.com/formation/lire-un-dpe-2026/</loc>
  <lastmod>2026-10-23T12:47:08Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>Lire un DPE en 2026</news:title>
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 <url>
  <loc>https://notre-independance.com/formation/credit-immobilier-assurance-emprunteur/</loc>
  <lastmod>2026-10-23T17:02:45Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>Le crédit et l’assurance emprunteur</news:title>
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   <news:genres>Blog</news:genres>
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  <loc>https://notre-independance.com/formation/offre-achat-et-compromis/</loc>
  <lastmod>2026-10-23T17:00:58Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>Offre d’achat et compromis</news:title>
   <news:publication_date>2026-10-23T10:50:23Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <loc>https://notre-independance.com/formation/negocier-le-prix/</loc>
  <lastmod>2026-10-23T11:26:43Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>Négocier le prix</news:title>
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   <news:genres>Blog</news:genres>
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 <url>
  <loc>https://notre-independance.com/formation/rentabilite-brute-nette-net-net/</loc>
  <lastmod>2026-10-23T11:26:30Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>Rentabilité brute, nette, net-net</news:title>
   <news:publication_date>2026-10-22T20:57:56Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <loc>https://notre-independance.com/formation/immobilier-patrimonial-ou-rendement/</loc>
  <lastmod>2026-10-23T11:26:16Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>Immobilier patrimonial ou de rendement ?</news:title>
   <news:publication_date>2026-10-22T20:56:48Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <loc>https://notre-independance.com/formation/immobilier-ou-autres-placements/</loc>
  <lastmod>2026-10-23T11:30:07Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>Immobilier ou autres placements ?</news:title>
   <news:publication_date>2026-10-22T08:01:54Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <loc>https://notre-independance.com/formation/acheter-ou-louer-residence-principale/</loc>
  <lastmod>2026-10-23T11:25:52Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>Résidence principale ou locatif d’abord ?</news:title>
   <news:publication_date>2026-10-22T08:01:49Z</news:publication_date>
   <news:genres>Blog</news:genres>
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 <url>
  <loc>https://notre-independance.com/formation/capacite-emprunt-regle-35/</loc>
  <lastmod>2026-10-23T11:25:41Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>Capacité d’emprunt : la règle des 35 %</news:title>
   <news:publication_date>2026-10-22T08:01:44Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <loc>https://notre-independance.com/formation/epargne-de-depart-et-apport/</loc>
  <lastmod>2026-10-23T11:29:56Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>Épargne de départ et apport</news:title>
   <news:publication_date>2026-10-22T08:01:39Z</news:publication_date>
   <news:genres>Blog</news:genres>
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 </url>
 <url>
  <loc>https://notre-independance.com/formation/combien-de-biens-pour-vivre-de-ses-loyers/</loc>
  <lastmod>2026-10-23T11:25:12Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
   </news:publication>
   <news:title>Combien de biens pour vivre de ses loyers ?</news:title>
   <news:publication_date>2026-10-22T08:01:34Z</news:publication_date>
   <news:genres>Blog</news:genres>
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 <url>
  <loc>https://notre-independance.com/formation/</loc>
  <lastmod>2026-10-23T17:03:07Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Notre indépendance financière</news:name>
    <news:language>fr</news:language>
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   <news:title>La formation immo gratuite</news:title>
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