{"id":2635,"date":"2015-11-08T23:36:44","date_gmt":"2015-11-08T22:36:44","guid":{"rendered":"http:\/\/www.immobiliare-neuf.fr\/blog\/?p=2635"},"modified":"2016-09-20T19:45:32","modified_gmt":"2016-09-20T18:45:32","slug":"acheter-votre-logement-dans-le-neuf-sans-apport-cest-possible","status":"publish","type":"post","link":"http:\/\/www.immobiliare-neuf.fr\/blog\/acheter-votre-logement-dans-le-neuf-sans-apport-cest-possible\/","title":{"rendered":"Acheter votre logement dans le neuf sans apport, c&rsquo;est possible !"},"content":{"rendered":"<p style=\"text-align: justify;\"><span style=\"font-size: 14pt;\">Non il n\u2019est pas indispensable de disposer d\u2019un apport personnel pour pouvoir b\u00e9n\u00e9ficier d\u2019un cr\u00e9dit immobilier. Le pr\u00eat \u00e0 taux z\u00e9ro (PTZ) permet de d\u00e9crocher un pr\u00eat immobilier sans apport.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #ffffff;\">.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 12pt;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2637\" src=\"http:\/\/www.immobiliare-neuf.fr\/blog\/wp-content\/uploads\/2015\/11\/possible.jpg\" alt=\"acheter sans apport c'est possible\" width=\"700\" height=\"492\" srcset=\"http:\/\/www.immobiliare-neuf.fr\/blog\/wp-content\/uploads\/2015\/11\/possible.jpg 700w, http:\/\/www.immobiliare-neuf.fr\/blog\/wp-content\/uploads\/2015\/11\/possible-300x211.jpg 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/><\/span><\/p>\n<p><span style=\"color: #ffffff;\">.<\/span><\/p>\n<h2>Il s\u2019agit de votre 1er achat\u00a0et vous n&rsquo;avez pas d&rsquo;apport\u00a0?\u00a0Le PTZ est votre meilleur alli\u00e9<\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-size: 12pt;\">Votre statut de primo-acc\u00e9dant ne vous permet bien entendu pas de compter sur la revente de votre bien immobilier pour financer votre apport personnel. Sans \u00e9pargne suffisante pour constituer votre apport (le plus souvent entre 10% et 15\u00a0% de la somme emprunt\u00e9e) vous pouvez toutefois profitez du <a href=\"http:\/\/www.immobiliare-neuf.fr\/mode-emploi\/pret-taux-zero-ptz\" target=\"_blank\">pr\u00eat \u00e0 taux z\u00e9ro (PTZ)<\/a> dans le cadre d\u2019un <a href=\"http:\/\/www.immobiliare-neuf.fr\/toulouse\" target=\"_blank\">achat dans le neuf \u00e0 Toulouse<\/a> par exemple. Le PTZ a en effet valeur d\u2019apport personnel aux yeux des banques. Et sous r\u00e9serve d&rsquo;y \u00eatre \u00e9ligible, l\u2019acqu\u00e9reur d\u2019un logement neuf en\u00a0r\u00e9sidence principale a tout int\u00e9r\u00eat de b\u00e9n\u00e9ficier de ce pr\u00eat au\u00a0taux imbattable, sans int\u00e9r\u00eats ni frais de dossiers.\u00a0<\/span><\/p>\n<p><span style=\"color: #ffffff;\">.<\/span><\/p>\n<h2>Le PTZ permet de financer 26\u00a0% du montant du bien immobilier<\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-size: 12pt;\">R\u00e9serv\u00e9 aux\u00a0primo-acc\u00e9dants, le PTZ permet de financer jusqu\u2019\u00e0 26\u00a0% du montant d\u2019un pr\u00eat immobilier. \u00c0 g\u00e9om\u00e9trie variable, son montant varie notamment selon\u00a0:<\/span><\/p>\n<ul>\n<li><span style=\"font-size: 12pt;\">Les ressources de l\u2019acqu\u00e9reur (ses revenus imposables ne doivent pas d\u00e9passer un certain plafond),<\/span><\/li>\n<li><span style=\"font-size: 12pt;\">Le prix d\u2019acquisition du logement,<\/span><\/li>\n<li><span style=\"font-size: 12pt;\">La composition du m\u00e9nage (c\u2019est \u00e0 dire le\u00a0nombre de personnes qui occuperont le logement),<\/span><\/li>\n<li><span style=\"font-size: 12pt;\">Et enfin la zone g\u00e9ographique o\u00f9 l\u2019achat sera effectu\u00e9.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-size: 12pt;\">Le diff\u00e9r\u00e9 de remboursement, soit\u00a0la p\u00e9riode pendant\u00a0laquelle l\u2019emprunteur ne rembourse pas son pr\u00eat, qui est\u00a0accord\u00e9\u00a0foyers aux revenus les plus modestes, pourra quant \u00e0 elle aller jusqu\u2019\u00e0 14 ans.<\/span><\/p>\n<p><span style=\"color: #ffffff;\"><strong>.<\/strong><\/span><\/p>\n<h2>Bon \u00e0 savoir<\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-size: 12pt;\">Acheter votre logement dans le neuf sans apport, c&rsquo;est possible gr\u00e2ce au PTZ, mais outre le pr\u00eat \u00e0 taux z\u00e9ro, vous pouvez \u00e9galement\u00a0vous passer d\u2019apport personnel en ayant recours, sous conditions, au\u00a0pr\u00eat conventionn\u00e9 (PC) et au pr\u00eat d\u2019accession sociale (PAS).<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Non il n\u2019est pas indispensable de disposer d\u2019un apport personnel pour pouvoir b\u00e9n\u00e9ficier d\u2019un cr\u00e9dit immobilier. Le pr\u00eat \u00e0 taux z\u00e9ro (PTZ) permet de d\u00e9crocher un pr\u00eat immobilier sans apport. . . Il s\u2019agit de votre 1er achat\u00a0et vous n&rsquo;avez pas d&rsquo;apport\u00a0?\u00a0Le PTZ est votre meilleur alli\u00e9 Votre statut de primo-acc\u00e9dant ne vous permet bien [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2637,"comment_status":"open","ping_status":"closed","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":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Acheter votre logement dans le neuf sans apport, c&#039;est possible !<\/title>\n<meta name=\"description\" content=\"Non il n\u2019est pas indispensable de disposer d\u2019un apport personnel pour pouvoir b\u00e9n\u00e9ficier 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