{"id":1634,"date":"2017-11-23T21:57:51","date_gmt":"2017-11-23T20:57:51","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/nouvelle-annee-record-pour-le-ptz-avant-l-edition-2018-legerement-recentree_-n.html"},"modified":"2020-07-28T15:31:24","modified_gmt":"2020-07-28T13:31:24","slug":"nouvelle-annee-record-pour-le-ptz-avant-l-edition-2018-legerement-recentree_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/nouvelle-annee-record-pour-le-ptz-avant-l-edition-2018-legerement-recentree_-n.html","title":{"rendered":"Nouvelle ann\u00e9e record pour le PTZ avant l\u2019\u00e9dition 2018, l\u00e9g\u00e8rement recentr\u00e9e"},"content":{"rendered":"

L’ann\u00e9e 2016 avait d\u00e9j\u00e0 \u00e9t\u00e9 une ann\u00e9e faste pour le dispositif PZT<\/a> avec pr\u00e8s de 115.000 op\u00e9rations financ\u00e9es, soit le double des r\u00e9alisations 2015. L’ann\u00e9e 2017 n’est pas encore tout \u00e0 fait termin\u00e9e mais il est d’ores et d\u00e9j\u00e0 certain qu’un nouveau record sera atteint. Le PTZ, heureusement reconduit en 2018, tient vraiment sa promesse d’aide \u00e0 l’acquisition immobili\u00e8re. Il est devenu indispensable au montage financier des jeunes primo acc\u00e9dants.<\/p>\n

Recentrer le dispositif sur les zones tendues<\/strong><\/h2>\n

Selon une \u00e9tude du Cr\u00e9dit Foncier, 114.943 achats immobiliers (neufs et anciens) ont int\u00e9gr\u00e9 dans leur plan de financement le PTZ, qui permet de financer jusqu’\u00e0 40% de l’achat d’un bien immobilier. Le montant moyen en 2016 s’\u00e9l\u00e8ve \u00e0 64 395 euros, soit une forte progression (+71%) par rapport \u00e0 2015.<\/p>\n

Jouant alors pleinement son r\u00f4le d’aide au logement<\/strong>, ce dispositif est tout naturellement pl\u00e9biscit\u00e9 par les jeunes acheteurs<\/strong> et les m\u00e9nages modestes <\/strong>\u00e0 qui il permet d’emprunter sans int\u00e9r\u00eat jusqu’\u00e0 138 000 euros. Le profil type de l’emprunteur b\u00e9n\u00e9ficiaire du PTZ parle de lui-m\u00eame : un jeune couple d’en moyenne 34 ans avec moins de 30.000 euros de revenus par an.<\/p>\n

Devant le succ\u00e8s rencontr\u00e9, il paraissait donc logique de le prolonger en 2018. Mais c’est sans compter la volont\u00e9 du gouvernement de prolonger le PTZ, mais de mani\u00e8re plus cibl\u00e9e, uniquement dans les zones tendues : les grandes m\u00e9tropoles essentiellement, en excluant de fait les zones p\u00e9riurbaines et rurales o\u00f9 pourtant 60% de PTZ dans l’immobilier neuf \u00e9taient distribu\u00e9s.<\/p>\n

Le retour du PTZ jusqu’en 2020 dans les zones B2 et C<\/strong><\/h2>\n

Face aux protestations des professionnels de l’immobilier et des maires ruraux, les d\u00e9put\u00e9s ont ainsi vot\u00e9 le 9 novembre dernier en commission le maintien du  pr\u00eat \u00e0 taux z\u00e9ro  dans le neuf pendant deux ans suppl\u00e9mentaires<\/strong> (2018 et 2019) pour les communes en zone p\u00e9riurbaine<\/strong> (‘B2’) et rurale <\/strong>(‘C’). Dans ces deux zones, il sera par contre limit\u00e9 \u00e0 20 % du montant de l’achat, contre 40 % actuellement (jusqu’au 31 d\u00e9cembre 2017). Le PTZ est reconduit pour 4 ans<\/strong> \u00e0 l’identique dans les zones dites tendues<\/strong> (\u2018A’ et \u2018B1′), c’est-\u00e0-dire l\u00e0 o\u00f9 l’offre de logements est inf\u00e9rieure \u00e0 la demande, pour des acquisitions dans le neuf et l’ancien. Donc, futurs acheteurs, attention ! A partir de 2020, le pr\u00eat \u00e0 taux z\u00e9ro destin\u00e9 \u00e0 l’achat d’un logement neuf ne sera possible que dans les zones A et B1 uniquement.
\nRien ne change en revanche sur les modalit\u00e9s d’obtention de ce pr\u00eat : le PTZ<\/a> ne pourra \u00eatre accord\u00e9 que s’il vient en compl\u00e9ment d’un pr\u00eat bancaire et sous conditions de ressources annuelles qui varient selon la zone et la composition du foyer.
\n <\/p>\n","protected":false},"excerpt":{"rendered":"

L\u2019ann\u00e9e 2017 n\u2019est pas encore tout \u00e0 fait termin\u00e9e mais il est d\u2019ores et d\u00e9j\u00e0 certain qu\u2019un nouveau record sera atteint pour le PTZ. Ce dispositif, heureusement reconduit en 2018, tient vraiment sa promesse d\u2019aide \u00e0 l\u2019acquisition immobili\u00e8re. Il est devenu indispensable au montage financier des jeunes primo acc\u00e9dants.<\/p>\n","protected":false},"author":4,"featured_media":1635,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1634","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nNouveau record pour le PTZ 2017, en attendant la version 2018 recentr\u00e9e<\/title>\n<meta name=\"description\" content=\"L\u2019ann\u00e9e 2017 sera record pour le PTZ, reconduit en 2018. 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content=\"Emma Martin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/nouvelle-annee-record-pour-le-ptz-avant-l-edition-2018-legerement-recentree_-n.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/nouvelle-annee-record-pour-le-ptz-avant-l-edition-2018-legerement-recentree_-n.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"Nouvelle ann\u00e9e record pour le PTZ avant l\u2019\u00e9dition 2018, l\u00e9g\u00e8rement 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