{"id":1670,"date":"2018-01-02T12:49:17","date_gmt":"2018-01-02T11:49:17","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/financement-immobilier-quels-changements-en-2018_-n.html"},"modified":"2020-07-28T15:31:23","modified_gmt":"2020-07-28T13:31:23","slug":"financement-immobilier-quels-changements-en-2018_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/financement-immobilier-quels-changements-en-2018_-n.html","title":{"rendered":"Financement immobilier : quels changements en 2018 ?"},"content":{"rendered":"

Les d\u00e9put\u00e9s ont adopt\u00e9 d\u00e9finitivement la semaine derni\u00e8re le projet de loi de finances pour 2018. Petit tour d’horizon sur les principales mesures qui concernent l’immobilier et notamment le PTZ indispensable au montage financier des cr\u00e9dits immobiliers des primo-acc\u00e9dants.<\/p>\n

Taxe d’habitation<\/strong><\/h2>\n

La r\u00e9forme de la taxe d’habitation d\u00e9butera par une premi\u00e8re baisse de 30% en 2018<\/strong>, soit 3 milliards d’euros. Pr\u00e8s de 80% des foyers actuellement assujettis \u00e0 cet imp\u00f4t, soit plus de 17 millions de m\u00e9nages, seront concern\u00e9s.<\/p>\n

Deux \u00e9tapes similaires suivront en 2019 et 2020, avec des r\u00e9ductions de 6,6 milliards d’euros et de 10,1 milliards, aboutissant \u00e0 la suppression de cette taxe pour les m\u00e9nages concern\u00e9s. Le gouvernement a promis de compenser \u00ab\u00a0\u00e0 l’euro pr\u00e8s\u00a0\u00bb le manque \u00e0 gagner pour les communes.<\/p>\n

Fiscalit\u00e9 \u00e9nerg\u00e9tique<\/strong><\/h2>\n

Le cr\u00e9dit d’imp\u00f4t transition \u00e9nerg\u00e9tique (CITE) est r\u00e9duit et m\u00eame supprim\u00e9 l\u00e0 o\u00f9 le b\u00e9n\u00e9fice environnemental est faible. N\u00e9anmoins, les travaux de changement des portes d’entr\u00e9e, fen\u00eatres et volets b\u00e9n\u00e9ficient encore d’un cr\u00e9dit d’imp\u00f4t de 15% jusqu’au 28 mars 2018.<\/p>\n

Le Pinel et le PTZ prolong\u00e9s mais r\u00e9tr\u00e9cis<\/strong><\/h2>\n

L’objectif du gouvernement est clairement de recentrer ces aides de l’Etat sur les zones g\u00e9ographiques les plus tendues. En cons\u00e9quence, l’avantage fiscal \u00ab\u00a0Pinel\u00a0\u00bb pour les particuliers achetant un logement pour le louer est prorog\u00e9 pour quatre ans mais r\u00e9duit aux zones tendues. Dans les autres zones (B2 et C), le logement devra \u00eatre acquis avant fin 2018.<\/p>\n

De m\u00eame le pr\u00eat \u00e0 taux z\u00e9ro<\/a> (PTZ) a \u00e9t\u00e9 reconduit pour 4 ans, soit jusqu’au 31 d\u00e9cembre 2021 mais voit ses conditions d’attribution nettement modifi\u00e9es<\/strong>. Le PTZ dans le neuf <\/strong>est maintenu sur toutes les zones en 2018<\/strong>, mais attention : la quotit\u00e9 en zones B2 et C est r\u00e9duite de 40% \u00e0 20%<\/strong>. Par cons\u00e9quent, sur les zones B2 et C, le montant du PTZ sera r\u00e9duit de moiti\u00e9.<\/p>\n

Le PTZ dans l’ancien est tout simplement supprim\u00e9 pour les zones A, A Bis et B1, mais reste accessible pour les zones B2 et C.<\/p>\n

Pas de modification en revanche sur les biens finan\u00e7ables : le logement \u00e0 financer doit \u00eatre la r\u00e9sidence principale de l’emprunteur et doit se situer en France m\u00e9tropolitaine ou dans les DOM.
\n <\/p>\n","protected":false},"excerpt":{"rendered":"

Les d\u00e9put\u00e9s ont adopt\u00e9 d\u00e9finitivement la semaine derni\u00e8re le projet de loi de finances pour 2018. 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