{"id":1690,"date":"2018-01-25T22:42:07","date_gmt":"2018-01-25T21:42:07","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/qui-peut-pretendre-au-ptz-2018_-n.html"},"modified":"2020-07-28T15:31:21","modified_gmt":"2020-07-28T13:31:21","slug":"qui-peut-pretendre-au-ptz-2018_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/qui-peut-pretendre-au-ptz-2018_-n.html","title":{"rendered":"Qui peut pr\u00e9tendre au PTZ 2018 ?"},"content":{"rendered":"<p>Au 1<sup>er<\/sup>&nbsp;janvier 2018, le pr\u00eat \u00e0 taux z\u00e9ro (PTZ) a \u00e9t\u00e9 r<strong>econduit&nbsp;pour 4 ans<\/strong>, soit jusqu&rsquo;au 31 d\u00e9cembre 2021 mais voit ses conditions d&rsquo;attribution nettement modifi\u00e9es. Recentr\u00e9 sur certaines zones, devenant de fait&nbsp;<strong>plus restrictif<\/strong>, le dispositif pr\u00eat \u00e0 taux z\u00e9ro devrait selon toute probabilit\u00e9 concerner <strong>moins de pr\u00e9tendants \u00e0 la propri\u00e9t\u00e9<\/strong> : 108.000 PTZ sont attendus en 2018 contre 111.000 en 2017 et 115.000 en 2016.<\/p>\n<h2><strong>Un dispositif appr\u00e9ci\u00e9 et utilis\u00e9<\/strong><\/h2>\n<div>Le PZT ayant \u00e9t\u00e9 fortement recalibr\u00e9 dans sa version 2018, un petit rappel du dispositif s&rsquo;impose. Le pr\u00eat \u00e0 taux z\u00e9ro (PTZ) est un <strong>pr\u00eat aid\u00e9 par l&rsquo;\u00c9tat <\/strong>qui permet d&rsquo;acheter ou de construire un logement si l&rsquo;on n&rsquo;a pas \u00e9t\u00e9 propri\u00e9taire de sa r\u00e9sidence principale au cours des 2 derni\u00e8res ann\u00e9es et sous conditions de ressources. Le bien acquis&nbsp;doit absolument se situer en France m\u00e9tropolitaine ou dans les DOM.&nbsp;<\/p>\n<p>Le montant du PTZ d\u00e9pend de <strong>la zone o\u00f9 est situ\u00e9 le logement<\/strong> (A-B1-B2-C). Il peut aller jusqu&rsquo;\u00e0 40% de cout de l&rsquo;op\u00e9ration pour un logement neuf (montant plafonn\u00e9).Le pr\u00eat ne peut financer qu&rsquo;une partie de l&rsquo;achat ou de la construction, il faut obligatoirement compl\u00e9ter le plan de financement par <strong>un ou plusieurs pr\u00eats et \u00e9ventuellement un apport personnel <\/strong>le cas \u00e9ch\u00e9ant.<\/div>\n<h2><strong>Ce qui change finalement<\/strong><\/h2>\n<div>Le pr\u00eat \u00e0 taux z\u00e9ro<\/a> (PTZ) dans sa nouvelle monture d\u00e9taill\u00e9e dans le journal officiel <\/a>destin\u00e9 aux m\u00e9nages devenant propri\u00e9taires d&rsquo;un logement neuf a \u00e9t\u00e9 maintenu pour <strong>seulement deux ans <\/strong>(2018 et 2019) dans les zones rurales et les villes moyennes, les fameuses zones B2 et C dites d\u00e9tendues. Mais attention avec des conditions nettement plus restrictives&nbsp;:&nbsp;la quotit\u00e9 en zone B2 et C a \u00e9t\u00e9 r\u00e9duite de <strong>40% \u00e0 20%<\/strong>. Par cons\u00e9quent, pour les projets d&rsquo;acquisition de biens en zones B2 et C, le montant du PTZ accord\u00e9 sera lui r\u00e9duit de moiti\u00e9.<\/p>\n<p>Les r\u00e8gles d&rsquo;attribution concernant l&rsquo;acquisition d&rsquo;un logement neuf dans les zones les plus tendues en mati\u00e8re de logement (zones A et B1) dont les communes pr\u00e9sentant un \u00abd\u00e9s\u00e9quilibre important entre l&rsquo;offre et la demande\u00bb, ne changent pas. La proportion maximum du co\u00fbt de l&rsquo;op\u00e9ration couverte par le PTZ reste fix\u00e9e \u00e0 40%. Selon une \u00e9tude d&rsquo;impact jointe en annexe au d\u00e9cret, le co\u00fbt pour les&nbsp;finances publiques&nbsp;des PTZ octroy\u00e9s en 2018 \u00abne devrait pas exc\u00e9der 1,42 milliard d&rsquo;euros\u00bb, selon l&rsquo;hypoth\u00e8se de<strong> 108.000 pr\u00eats distribu\u00e9s<\/strong>.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Au 1er\u00a0janvier 2018, le pr\u00eat \u00e0 taux z\u00e9ro (PTZ) a \u00e9t\u00e9 reconduit\u00a0pour 4 ans, soit jusqu\u2019au 31 d\u00e9cembre 2021. Recentr\u00e9 sur certaines zones, le dispositif devrait selon toute probabilit\u00e9 concerner moins de pr\u00e9tendants \u00e0 la propri\u00e9t\u00e9 : 108.000 PTZ sont attendus en 2018 contre 111.000 en 2017 et 115.000 en 2016.<\/p>\n","protected":false},"author":4,"featured_media":1691,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1690","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Qui peut b\u00e9n\u00e9ficier d&#039;un PTZ en 2018 ?<\/title>\n<meta name=\"description\" content=\"Le PTZ a \u00e9t\u00e9 reconduit\u00a0pour 4 ans, soit jusqu\u2019au 31 d\u00e9cembre 2021. Recentr\u00e9 sur certaines zones, le dispositif devrait concerner moins d&#039;acheteurs : 108.000 PTZ sont attendus en 2018 (115.000 en 2016).\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.acecredit.fr\/fr\/actualites\/qui-peut-pretendre-au-ptz-2018_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qui peut b\u00e9n\u00e9ficier d&#039;un PTZ en 2018 ?\" \/>\n<meta property=\"og:description\" content=\"Le PTZ a \u00e9t\u00e9 reconduit\u00a0pour 4 ans, soit jusqu\u2019au 31 d\u00e9cembre 2021. Recentr\u00e9 sur certaines zones, le dispositif devrait concerner moins d&#039;acheteurs : 108.000 PTZ sont attendus en 2018 (115.000 en 2016).\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/qui-peut-pretendre-au-ptz-2018_-n.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2018-01-25T21:42:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-28T13:31:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/calculator-3051724-640.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"426\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Emma Martin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" 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\\\/qui-peut-pretendre-au-ptz-2018_-n.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/qui-peut-pretendre-au-ptz-2018_-n.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"Qui peut pr\u00e9tendre au PTZ 2018 ?\",\"datePublished\":\"2018-01-25T21:42:07+00:00\",\"dateModified\":\"2020-07-28T13:31:21+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/qui-peut-pretendre-au-ptz-2018_-n.html\"},\"wordCount\":428,\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/qui-peut-pretendre-au-ptz-2018_-n.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/calculator-3051724-640.jpg\",\"articleSection\":[\"Actualit\u00e9s\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/qui-peut-pretendre-au-ptz-2018_-n.html#primaryimage\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/calculator-3051724-640.jpg\",\"contentUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/calculator-3051724-640.jpg\",\"width\":640,\"height\":426},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/qui-peut-pretendre-au-ptz-2018_-n.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.acecredit.fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Qui peut pr\u00e9tendre au PTZ 2018 ?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#website\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/\",\"name\":\"Ace Cr\u00e9dit\",\"description\":\"Pr\u00eats immobilier\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.acecredit.fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\",\"name\":\"Ace Cr\u00e9dit\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/logo-acecredit.svg\",\"contentUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/logo-acecredit.svg\",\"caption\":\"Ace Cr\u00e9dit\"},\"image\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\",\"name\":\"Emma Martin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g\",\"caption\":\"Emma Martin\"},\"description\":\"R\u00e9dactrice Web depuis plus de 15 ans, Emma a rejoint Ace Cr\u00e9dit en 2011. Elle s'est sp\u00e9cialis\u00e9e en immobilier, pr\u00eat immobilier, assurance emprunteur et rachat de cr\u00e9dits.\",\"sameAs\":[\"https:\\\/\\\/www.acecredit.fr\\\/\",\"R\u00e9dactrice Ace Cr\u00e9dit\"],\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/author\\\/emma\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Qui peut b\u00e9n\u00e9ficier d'un PTZ en 2018 ?","description":"Le PTZ a \u00e9t\u00e9 reconduit\u00a0pour 4 ans, soit jusqu\u2019au 31 d\u00e9cembre 2021. Recentr\u00e9 sur certaines zones, le dispositif devrait concerner moins d'acheteurs : 108.000 PTZ sont attendus en 2018 (115.000 en 2016).","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.acecredit.fr\/fr\/actualites\/qui-peut-pretendre-au-ptz-2018_-n.html","og_locale":"fr_FR","og_type":"article","og_title":"Qui peut b\u00e9n\u00e9ficier d'un PTZ en 2018 ?","og_description":"Le PTZ a \u00e9t\u00e9 reconduit\u00a0pour 4 ans, soit jusqu\u2019au 31 d\u00e9cembre 2021. Recentr\u00e9 sur certaines zones, le dispositif devrait concerner moins d'acheteurs : 108.000 PTZ sont attendus en 2018 (115.000 en 2016).","og_url":"https:\/\/www.acecredit.fr\/fr\/actualites\/qui-peut-pretendre-au-ptz-2018_-n.html","og_site_name":"Ace Cr\u00e9dit","article_published_time":"2018-01-25T21:42:07+00:00","article_modified_time":"2020-07-28T13:31:21+00:00","og_image":[{"width":640,"height":426,"url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/calculator-3051724-640.jpg","type":"image\/jpeg"}],"author":"Emma Martin","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Emma Martin","Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/qui-peut-pretendre-au-ptz-2018_-n.html#article","isPartOf":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/qui-peut-pretendre-au-ptz-2018_-n.html"},"author":{"name":"Emma Martin","@id":"https:\/\/www.acecredit.fr\/#\/schema\/person\/b6b4a22057810ab8a95b053aca9ae632"},"headline":"Qui peut pr\u00e9tendre au PTZ 2018 ?","datePublished":"2018-01-25T21:42:07+00:00","dateModified":"2020-07-28T13:31:21+00:00","mainEntityOfPage":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/qui-peut-pretendre-au-ptz-2018_-n.html"},"wordCount":428,"publisher":{"@id":"https:\/\/www.acecredit.fr\/#organization"},"image":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/qui-peut-pretendre-au-ptz-2018_-n.html#primaryimage"},"thumbnailUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/calculator-3051724-640.jpg","articleSection":["Actualit\u00e9s"],"inLanguage":"fr-FR"},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/qui-peut-pretendre-au-ptz-2018_-n.html#primaryimage","url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/calculator-3051724-640.jpg","contentUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/calculator-3051724-640.jpg","width":640,"height":426},{"@type":"BreadcrumbList","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/qui-peut-pretendre-au-ptz-2018_-n.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.acecredit.fr\/"},{"@type":"ListItem","position":2,"name":"Qui peut pr\u00e9tendre au PTZ 2018 ?"}]},{"@type":"WebSite","@id":"https:\/\/www.acecredit.fr\/#website","url":"https:\/\/www.acecredit.fr\/","name":"Ace Cr\u00e9dit","description":"Pr\u00eats immobilier","publisher":{"@id":"https:\/\/www.acecredit.fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.acecredit.fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.acecredit.fr\/#organization","name":"Ace Cr\u00e9dit","url":"https:\/\/www.acecredit.fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.acecredit.fr\/#\/schema\/logo\/image\/","url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/logo-acecredit.svg","contentUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/logo-acecredit.svg","caption":"Ace Cr\u00e9dit"},"image":{"@id":"https:\/\/www.acecredit.fr\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.acecredit.fr\/#\/schema\/person\/b6b4a22057810ab8a95b053aca9ae632","name":"Emma Martin","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6cecc8ac7c988772ed521a1e263762dc525e822667da916b0134415dd2662eb9?s=96&d=mm&r=g","caption":"Emma Martin"},"description":"R\u00e9dactrice Web depuis plus de 15 ans, Emma a rejoint Ace Cr\u00e9dit en 2011. Elle s'est sp\u00e9cialis\u00e9e en immobilier, pr\u00eat immobilier, assurance emprunteur et rachat de cr\u00e9dits.","sameAs":["https:\/\/www.acecredit.fr\/","R\u00e9dactrice Ace Cr\u00e9dit"],"url":"https:\/\/www.acecredit.fr\/author\/emma"}]}},"_links":{"self":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/1690","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/comments?post=1690"}],"version-history":[{"count":1,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/1690\/revisions"}],"predecessor-version":[{"id":3656,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/1690\/revisions\/3656"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media\/1691"}],"wp:attachment":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media?parent=1690"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/categories?post=1690"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/tags?post=1690"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}