{"id":1807,"date":"2014-07-11T15:34:12","date_gmt":"2014-07-11T14:34:12","guid":{"rendered":"http:\/\/www.immobiliare-neuf.fr\/blog\/?p=1807"},"modified":"2016-09-21T09:00:16","modified_gmt":"2016-09-21T08:00:16","slug":"va-profiter-pret-taux-zero-elargi","status":"publish","type":"post","link":"http:\/\/www.immobiliare-neuf.fr\/blog\/va-profiter-pret-taux-zero-elargi\/","title":{"rendered":"A qui va profiter le pr\u00eat \u00e0 taux z\u00e9ro \u00e9largi ?"},"content":{"rendered":"<p class=\"summary\" style=\"font-weight: bold; text-align: justify;\"><span style=\"color: #333333; font-size: 14pt;\">ACC\u00c8S A LA PROPRI\u00c9T\u00c9 : Jusqu&rsquo;\u00e0 pr\u00e9sent r\u00e9serv\u00e9 au neuf, le PTZ revient en force avec l&rsquo;annonce du gouvernement d&rsquo;\u00e9largir \u00e0 l&rsquo;ancien l&rsquo;octroi des pr\u00eats \u00e0 taux z\u00e9ro. Un objectif ? \u00ab\u00a0Favoriser l&rsquo;accession \u00e0 la propri\u00e9t\u00e9\u00a0\u00bb. Mais \u00e0 qui va profiter cet \u00e9largissement applicable\u00a0d\u00e8s le 1er octobre 2014 ? Analyse.\u00a0<\/span><\/p>\n<p class=\"summary\" style=\"font-weight: bold; text-align: justify;\"><span style=\"color: #ffffff;\">.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #ffffff;\">\u00a0<\/span><\/p>\n<h3><img loading=\"lazy\" decoding=\"async\" id=\"il_fi\" class=\"aligncenter\" style=\"padding-right: 8px; padding-top: 8px; padding-bottom: 8px;\" src=\"http:\/\/www.lefigaro.fr\/medias\/2010\/07\/02\/fafe6630-85ea-11df-be99-3040b653ef6a.jpg\" alt=\"\" width=\"493\" height=\"277\" \/><\/h3>\n<h3><\/h3>\n<p><span style=\"color: #ffffff;\">.<\/span><\/p>\n<h2 style=\"text-align: justify;\"><span style=\"color: #333333;\"><span style=\"color: #808080;\">Quels changements pour l\u2019immobilier neuf ?<\/span><br \/>\n<\/span><\/h2>\n<p><span style=\"color: #ffffff;\">.<\/span><\/p>\n<h3 style=\"text-align: justify;\"><span style=\"color: #993366;\">Aujourd\u2019hui le pr\u00eat \u00e0 taux z\u00e9ro est accord\u00e9 sans int\u00e9r\u00eats en compl\u00e9ment d&rsquo;un cr\u00e9dit immobilier classique. <\/span><\/h3>\n<p><span style=\"color: #ffffff;\">.<\/span><\/p>\n<ul>\n<li style=\"text-align: justify;\"><span style=\"font-size: 12pt;\"><strong>A qui ?<br \/>\n<\/strong>Toute personne n<span style=\"color: #333333;\">&lsquo;\u00e9tant pas propri\u00e9taire d&rsquo;une r\u00e9sidence principale au cours des deux ann\u00e9es pr\u00e9c\u00e9dant la demande de\u00a0<a href=\"http:\/\/www.immobiliare-toulouse.fr\/FR\/immobiliare-pretatauxzero.awp\" target=\"_blank\"><span style=\"color: #333333;\">PTZ<\/span><\/a> et souhaitant effectuer un 1er achat immobilier ou faire construire un <a href=\"http:\/\/www.immobiliare-toulouse.fr\/FR\/index.awp\" target=\"_blank\"><span style=\"color: #333333;\">logement neuf<\/span><\/a> en r\u00e9sidence principale.<\/span><\/span><br \/>\n<span style=\"color: #ffffff; font-size: 12pt;\"> ;<\/span><br \/>\n<span style=\"color: #ffffff; font-size: 12pt;\"> .<\/span><\/li>\n<li style=\"text-align: justify;\"><span style=\"font-size: 12pt;\"><strong>Conditions relatives au logement ?<br \/>\n<\/strong><span style=\"color: #333333;\">Outre le fait de devoir constituer un premier achat en r\u00e9sidence principale, ce <a href=\"http:\/\/www.immobiliare-toulouse.fr\/FR\/index.awp\" target=\"_blank\"><span style=\"color: #333333;\">logement neuf <\/span><\/a>doit res<\/span>pecter un certain niveau de performance \u00e9nerg\u00e9tique.<\/span><br \/>\n<span style=\"color: #ffffff; font-size: 12pt;\"> ;<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"text-align: justify;\"><span style=\"font-size: 12pt;\"><strong>Avec quelles ressources ?<br \/>\n<\/strong>Les ressources des acqu\u00e9reurs en doivent pas d\u00e9passer un certain montant. Ce montant varie selon la composition du m\u00e9nage et la situation g\u00e9ographique du bien immobilier achet\u00e9. Il est aujourd&rsquo;hui r\u00e9serv\u00e9 aux m\u00e9nages les plus modestes et concerne des zones les plus ch\u00e8res afin de favoriser l&rsquo;acc\u00e8s aux zones les plus inaccessibles. En outre, seuls les m\u00e9nages les plus modestes (la tranche 1, jusqu\u2019\u00e0 6.011\u00a0euros de revenus annuels) peuvent commencer \u00e0 rembourser leur pr\u00eat \u00e0 taux z\u00e9ro entre 12 \u00e0 25 ans selon les cas.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"color: #ffffff;\">.<\/span><\/p>\n<h3 style=\"text-align: justify;\"><span style=\"color: #993366;\">A partir d\u2019octobre\u00a02014, \u00ab\u00a0Le pr\u00eat \u00e0 taux z\u00e9ro sera prolong\u00e9 et recentr\u00e9 sur les zones o\u00f9 son effet de levier est le plus grand pour les classes moyennes et modestes\u00a0\u00bb.<\/span><\/h3>\n<p><span style=\"color: #ffffff;\">.<\/span><\/p>\n<ul>\n<li><span style=\"font-size: 12pt;\"><strong>Un \u00e9largissement \u00e0 qui ?<br \/>\n<\/strong>&#8211; Les primo acc\u00e9dants de la tranche\u00a0 <span style=\"color: #333333;\">2 (de 6.011\u00a0\u00e0 11.991 euros) pourront attendre de 5 \u00e0 7 ans pour commencer leur remboursement<br \/>\n<\/span>&#8211; Les primo acc\u00e9dants de la tranche 3 (de 11.991 \u00e0 26.631 euros) pourront attendre 5 ans.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><span style=\"font-size: 12pt;\"><strong>Un exemple ?<br \/>\n<\/strong>A Toulouse, un couple gagnant 2 250\u20ac par mois pourra emprunter 49 000\u20ac via le pr\u00eat \u00e0 taux z\u00e9ro et non plus 43 500 euros.Il pourront commencer \u00e0 rembourser ce pr\u00eat au bout de 7 ans et non plus 5 ans.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"color: #ffffff;\">.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #ffffff;\">.<\/span><\/p>\n<h2 style=\"text-align: justify;\"><span style=\"color: #333333;\"><span style=\"color: #808080;\">Quels changements pour l\u2019immobilier ancien ?<\/span><br \/>\n<\/span><\/h2>\n<p><span style=\"color: #ffffff;\">.<\/span><\/p>\n<h3 style=\"text-align: justify;\"><span style=\"color: #993366;\">Aujourd\u2019hui, Aucun pr\u00eat \u00e0 taux z\u00e9ro n&rsquo;est accord\u00e9 dans l&rsquo;ancien.<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"color: #ffffff;\">\u00a0.<\/span><\/p>\n<ul>\n<li><span style=\"font-size: 12pt;\"><strong>Une exception ?<br \/>\n<\/strong><span style=\"color: #333333;\">La seule exception faite concerne l&rsquo;acquisition d&rsquo;un logement social vendu par un bailleur social, pour lequel le PTZ pouvait financer une partie de l&rsquo;achat.<\/span><\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"color: #ffffff;\">.<\/span><\/p>\n<h3 style=\"text-align: justify;\"><span style=\"color: #333333;\"><span style=\"color: #993366;\">A partir de d\u00e9but 2015, une nouveau pr\u00eat \u00e0 taux z\u00e9ro sera accessible aux acc\u00e9dants dans l&rsquo;ancien.<strong><br \/>\n<\/strong><\/span><\/span><\/h3>\n<p><span style=\"color: #ffffff;\">;<\/span><\/p>\n<ul>\n<li><span style=\"font-size: 12pt;\"><strong>Sous quelles conditions ?<\/strong><span style=\"color: #333333;\"><br \/>\n&#8211; Po<\/span>ur <span style=\"color: #333333;\">un <a href=\"http:\/\/www.immobiliare-toulouse.fr\/FR\/index.awp\" target=\"_blank\"><span style=\"color: #333333;\">achat immobilier<\/span><\/a> dans c<\/span>ertains centre-bourgs en zone rurale,<\/span><br \/>\n<span style=\"font-size: 12pt;\"> &#8211; N\u00e9cessitant des\u00a0 travaux de r\u00e9nov<span style=\"color: #333333;\">ation.<br \/>\n<span style=\"color: #ffffff;\">.<\/span><\/span><\/span><\/li>\n<li><span style=\"font-size: 12pt;\"><strong>La liste des communes \u00e9ligibles au pr\u00eat \u00e0 taux z\u00e9ro dans l&rsquo;ancien ?<br \/>\n<\/strong>Cette liste sera publi\u00e9e tr\u00e8s prochainement pour une mise en application \u00e0 compter du 1er\u00a0janvier 2015.<\/span><br \/>\n<span style=\"color: #ffffff; font-size: 12pt;\"> .<\/span><\/li>\n<\/ul>\n<ul>\n<li><span style=\"font-size: 12pt;\"><strong>L&rsquo;objectif ?<br \/>\n&#8211; <\/strong>Permettre aux primo-acc\u00e9dants d&rsquo;acheter de l&rsquo;ancien \u00e0 bas prix.<\/span><br \/>\n<span style=\"font-size: 12pt;\"> &#8211; Et r\u00e9nover le parc immobilier fran\u00e7ais, constitu\u00e9 de logements inoccup\u00e9s et aux caract\u00e9ristiques\u00a0 \u00e9nerg\u00e9tiques m\u00e9diocres.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>ACC\u00c8S A LA PROPRI\u00c9T\u00c9 : Jusqu&rsquo;\u00e0 pr\u00e9sent r\u00e9serv\u00e9 au neuf, le PTZ revient en force avec l&rsquo;annonce du gouvernement d&rsquo;\u00e9largir \u00e0 l&rsquo;ancien l&rsquo;octroi des pr\u00eats \u00e0 taux z\u00e9ro. Un objectif ? \u00ab\u00a0Favoriser l&rsquo;accession \u00e0 la propri\u00e9t\u00e9\u00a0\u00bb. Mais \u00e0 qui va profiter cet \u00e9largissement applicable\u00a0d\u00e8s le 1er octobre 2014 ? Analyse.\u00a0 . \u00a0 . Quels changements [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"footnotes":""},"categories":[35],"tags":[58,59],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>A qui va profiter le pr\u00eat \u00e0 taux z\u00e9ro \u00e9largi ? 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