{"id":2060,"date":"2019-02-28T18:11:36","date_gmt":"2019-02-28T17:11:36","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-ptz-version-2018-chute-et-impacte-le-neuf_-n.html"},"modified":"2020-07-28T15:30:40","modified_gmt":"2020-07-28T13:30:40","slug":"le-ptz-version-2018-chute-et-impacte-le-neuf_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-ptz-version-2018-chute-et-impacte-le-neuf_-n.html","title":{"rendered":"Le PTZ version 2018 chute et impacte le neuf"},"content":{"rendered":"<p>Le <strong>recentrage du pr\u00eat \u00e0 taux z\u00e9ro<\/strong> (PTZ), entra\u00eenant sa suppression dans le neuf en zones B2 et C d&rsquo;ici la fin de l&rsquo;ann\u00e9e, a d\u00e9j\u00e0 fortement impact\u00e9 \u00e0 la <strong>baisse le nombre de b\u00e9n\u00e9ficiaires<\/strong>. Les professionnels de la construction s&rsquo;inqui\u00e8tent aussi.<\/p>\n<h2>Un dispositif modifi\u00e9 en 2018<\/h2>\n<div>Destin\u00e9s \u00e0 <strong>faciliter l&rsquo;acc\u00e8s \u00e0 la propri\u00e9t\u00e9 dans le neuf comme dans l&rsquo;ancien<\/strong>, principalement des primo-acc\u00e9dants modestes, les pr\u00eats \u00e0 taux z\u00e9ro (PTZ), un pr\u00eat aid\u00e9 par l&rsquo;Etat qui permet de ne pas verser d&rsquo;int\u00e9r\u00eat, sont en <strong>perte de vitesse<\/strong>. Durant l&rsquo;ann\u00e9e 2018, le nombre de b\u00e9n\u00e9ficiaires du PTZ a pratiquement baiss\u00e9 d&rsquo;un tiers. La Soci\u00e9t\u00e9 de gestion des financements et de la garantie de l&rsquo;accession sociale \u00e0 la propri\u00e9t\u00e9<\/a> [ndlr : la SGFGAS est prestataire de services pour les banques et l&rsquo;Etat dans la distribution des PTZ] estime \u00e0 quelques <strong>90.000<\/strong>&nbsp;le nombre de&nbsp;pr\u00eats \u00e0 taux z\u00e9ro octroy\u00e9s <strong>en 2018, contre 123.477 en 2017<\/strong>,&nbsp;ce qui constitue&nbsp;une nette <strong>diminution de 27%<\/strong>. D&rsquo;apr\u00e8s les derniers chiffres de la SGFGAS, 28.580 PTZ avaient \u00e9t\u00e9 \u00e9mis au troisi\u00e8me trimestre 2017 contre 23.156 en 2018 \u00e0 la m\u00eame p\u00e9riode.<\/p>\n<p>La chute tient aux<strong> rabotages successifs<\/strong> de cette aide publique. La derni\u00e8re modification a eu lieu en&nbsp;2018 : bien que reconduit pour quatre ans, le dispositif a \u00e9t\u00e9 <strong>recalibr\u00e9 <\/strong>\u00e0 la baisse dans le neuf comme dans l&rsquo;ancien. Pour rappel, le pr\u00eat \u00e0 taux z\u00e9ro avait \u00e9t\u00e9 reconduit pour quatre ans par l&rsquo;\u00c9tat, mais fortement remani\u00e9 depuis le 1er janvier 2018. Pour l&rsquo;accession dans le neuf, les zones tendues (zones A, A bis et B1) b\u00e9n\u00e9ficient d&rsquo;un PTZ finan\u00e7ant jusqu&rsquo;\u00e0 40% des montants de l&rsquo;op\u00e9ration contre 20% dans les zones consid\u00e9r\u00e9es comme \u00ab\u00a0d\u00e9tendues\u00a0\u00bb (B2 et C). Ces derni\u00e8res ne seront plus \u00e9ligibles au PTZ au 1er janvier 2020.&nbsp;<\/div>\n<h2>Le retour d&rsquo;un&nbsp;PTZ \u00ab\u00a0appropri\u00e9\u00a0\u00bb souhait\u00e9 par les constructeurs<\/h2>\n<div>Parmi les acteurs qui risquent de p\u00e2tir de la suppression annonc\u00e9e du PTZ en zone p\u00e9riurbaine et rurale, les <strong>constructeurs de maisons individuelles<\/strong>, dont les r\u00e9actions ne se sont pas fait attendre. La F\u00e9d\u00e9ration fran\u00e7aise des constructeurs de maisons individuelles (FFC) s&rsquo;est ainsi fendue ce lundi d&rsquo;un communiqu\u00e9, appelant au <strong>retour d&rsquo;un \u00ab\u00a0<\/strong><i><strong>PTZ appropri\u00e9<\/strong>, dans le neuf (&#8230;) pour les primo-acc\u00e9dants qui en ont le plus besoin en zones B2 et C<\/i>\u00ab\u00a0.<\/p>\n<p>Sur l&rsquo;aspect financier, le pr\u00e9sident de la f\u00e9d\u00e9ration G\u00e9rard Lebesgue estime que \u00ab\u00a0<i>l&rsquo;\u00c9tat et ses finances publiques s&rsquo;y retrouvent largement par la TVA engendr\u00e9e, l&#8217;emploi cr\u00e9\u00e9 ou pr\u00e9serv\u00e9, la revitalisation des territoires et la satisfaction d&rsquo;une large partie de nos concitoyens<\/i>\u00ab\u00a0. La F\u00e9d\u00e9ration Fran\u00e7aise du B\u00e2timent (LCA-FFB) se montre pareillement pessimiste quant aux perspectives du secteur de la maison individuelle du fait du recentrage du PTZ. Avec une <strong>baisse de 11,3% des ventes constat\u00e9e en 2018<\/strong>, les Constructeurs et Am\u00e9nageurs craignent un repli encore plus important en 2020, avec une probable baisse de \u00ab\u00a0<i>20%<\/i>\u00a0\u00bb des ventes.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Le recentrage du pr\u00eat \u00e0 taux z\u00e9ro (PTZ), entra\u00eenant sa suppression dans le neuf en zones B2 et C d&rsquo;ici la fin de l&rsquo;ann\u00e9e, a d\u00e9j\u00e0 fortement impact\u00e9 \u00e0 la baisse le nombre de b\u00e9n\u00e9ficiaires. Les professionnels de la construction s\u2019inqui\u00e8tent aussi.<\/p>\n","protected":false},"author":4,"featured_media":2061,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2060","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>Forte baisse des PTZ<\/title>\n<meta name=\"description\" content=\"Le recentrage du pr\u00eat \u00e0 taux z\u00e9ro a impact\u00e9 \u00e0 la baisse le nombre de b\u00e9n\u00e9ficiaires. Les professionnels de la construction s\u2019inqui\u00e8tent.\" \/>\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\/le-ptz-version-2018-chute-et-impacte-le-neuf_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Forte baisse des PTZ\" \/>\n<meta property=\"og:description\" content=\"Le recentrage du pr\u00eat \u00e0 taux z\u00e9ro a impact\u00e9 \u00e0 la baisse le nombre de b\u00e9n\u00e9ficiaires. Les professionnels de la construction s\u2019inqui\u00e8tent.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/le-ptz-version-2018-chute-et-impacte-le-neuf_-n.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2019-02-28T17:11:36+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-28T13:30:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/build-558449-640.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=\"3 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\\\/le-ptz-version-2018-chute-et-impacte-le-neuf_-n.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/le-ptz-version-2018-chute-et-impacte-le-neuf_-n.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"Le PTZ version 2018 chute et impacte le neuf\",\"datePublished\":\"2019-02-28T17:11:36+00:00\",\"dateModified\":\"2020-07-28T13:30:40+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/le-ptz-version-2018-chute-et-impacte-le-neuf_-n.html\"},\"wordCount\":514,\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/le-ptz-version-2018-chute-et-impacte-le-neuf_-n.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/build-558449-640.jpg\",\"articleSection\":[\"Actualit\u00e9s\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/le-ptz-version-2018-chute-et-impacte-le-neuf_-n.html#primaryimage\",\"url\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/build-558449-640.jpg\",\"contentUrl\":\"https:\\\/\\\/www.acecredit.fr\\\/wp-content\\\/uploads\\\/build-558449-640.jpg\",\"width\":640,\"height\":426},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/le-ptz-version-2018-chute-et-impacte-le-neuf_-n.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.acecredit.fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Le PTZ version 2018 chute et impacte le neuf\"}]},{\"@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":"Forte baisse des PTZ","description":"Le recentrage du pr\u00eat \u00e0 taux z\u00e9ro a impact\u00e9 \u00e0 la baisse le nombre de b\u00e9n\u00e9ficiaires. Les professionnels de la construction s\u2019inqui\u00e8tent.","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\/le-ptz-version-2018-chute-et-impacte-le-neuf_-n.html","og_locale":"fr_FR","og_type":"article","og_title":"Forte baisse des PTZ","og_description":"Le recentrage du pr\u00eat \u00e0 taux z\u00e9ro a impact\u00e9 \u00e0 la baisse le nombre de b\u00e9n\u00e9ficiaires. Les professionnels de la construction s\u2019inqui\u00e8tent.","og_url":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-ptz-version-2018-chute-et-impacte-le-neuf_-n.html","og_site_name":"Ace Cr\u00e9dit","article_published_time":"2019-02-28T17:11:36+00:00","article_modified_time":"2020-07-28T13:30:40+00:00","og_image":[{"width":640,"height":426,"url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/build-558449-640.jpg","type":"image\/jpeg"}],"author":"Emma Martin","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Emma Martin","Dur\u00e9e de lecture estim\u00e9e":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-ptz-version-2018-chute-et-impacte-le-neuf_-n.html#article","isPartOf":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-ptz-version-2018-chute-et-impacte-le-neuf_-n.html"},"author":{"name":"Emma Martin","@id":"https:\/\/www.acecredit.fr\/#\/schema\/person\/b6b4a22057810ab8a95b053aca9ae632"},"headline":"Le PTZ version 2018 chute et impacte le neuf","datePublished":"2019-02-28T17:11:36+00:00","dateModified":"2020-07-28T13:30:40+00:00","mainEntityOfPage":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-ptz-version-2018-chute-et-impacte-le-neuf_-n.html"},"wordCount":514,"publisher":{"@id":"https:\/\/www.acecredit.fr\/#organization"},"image":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-ptz-version-2018-chute-et-impacte-le-neuf_-n.html#primaryimage"},"thumbnailUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/build-558449-640.jpg","articleSection":["Actualit\u00e9s"],"inLanguage":"fr-FR"},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-ptz-version-2018-chute-et-impacte-le-neuf_-n.html#primaryimage","url":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/build-558449-640.jpg","contentUrl":"https:\/\/www.acecredit.fr\/wp-content\/uploads\/build-558449-640.jpg","width":640,"height":426},{"@type":"BreadcrumbList","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-ptz-version-2018-chute-et-impacte-le-neuf_-n.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.acecredit.fr\/"},{"@type":"ListItem","position":2,"name":"Le PTZ version 2018 chute et impacte le neuf"}]},{"@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\/2060","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=2060"}],"version-history":[{"count":1,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/2060\/revisions"}],"predecessor-version":[{"id":3471,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/2060\/revisions\/3471"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media\/2061"}],"wp:attachment":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media?parent=2060"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/categories?post=2060"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/tags?post=2060"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}