{"id":2206,"date":"2019-09-26T10:50:11","date_gmt":"2019-09-26T08:50:11","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-retablissement-de-l-apl-accession-une-vraie-bonne-idee_-n.html"},"modified":"2020-07-28T15:30:36","modified_gmt":"2020-07-28T13:30:36","slug":"le-retablissement-de-l-apl-accession-une-vraie-bonne-idee_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-retablissement-de-l-apl-accession-une-vraie-bonne-idee_-n.html","title":{"rendered":"Le r\u00e9tablissement de l&rsquo;APL accession : une vraie bonne id\u00e9e"},"content":{"rendered":"<div>Pour les professionnels du secteur immobilier, la quasi-suppression de cette aide \u00e0 l&rsquo;achat est une aberration. Ils plaident pour le retour de ce dispositif, aussi efficace que relativement peu co\u00fbteux.<\/p>\n<p>L&rsquo;APL accession est un <strong>dispositif d&rsquo;aide<\/strong> \u00e0 l&rsquo;achat d&rsquo;un logement pour les m\u00e9nages les plus modestes, vers\u00e9 \u00e0 la banque pr\u00eateuse par la Caisse d&rsquo;allocations familiales. Il ne concerne plus, depuis le 1er f\u00e9vrier 2018, que l&rsquo;<strong>achat de logements anciens<\/strong> situ\u00e9s dans certaines <strong>zones d\u00e9tendues<\/strong>. Sa <strong>suppression <\/strong>totale est pr\u00e9vue pour <strong>2020<\/strong>. L&rsquo;objectif est donc de convaincre le gouvernement de r\u00e9tablir ce dispositif pour les plus modestes. Et les arguments sont solides.<\/div>\n<h2>Suppression de l&rsquo;APL accession, un non-sens \u00e9conomique<\/h2>\n<p>De fait, l&rsquo;APL accession ne repr\u00e9sentait en 2017 qu&rsquo;environ 2% du budget consacr\u00e9 au logement par l&rsquo;Etat, soit 900 millions d&rsquo;euros sur un total de 40 milliards. Et sa <strong>suppression partielle<\/strong> a g\u00e9n\u00e9r\u00e9 des <strong>\u00e9conomies <\/strong>plus <strong>faibles<\/strong> qu&rsquo;attendues. Selon les chiffres publi\u00e9s cet \u00e9t\u00e9 par la Caisse nationale d&rsquo;allocations familiales, la suppression des aides au logement concernant l&rsquo;accession, pour les pr\u00eats sign\u00e9s \u00e0 compter du 1er f\u00e9vrier 2018, a g\u00e9n\u00e9r\u00e9 18 millions d&rsquo;euros d&rsquo;\u00e9conomies l&rsquo;an dernier, alors que le gouvernement tablait initialement sur 50 millions d&rsquo;euros d&rsquo;\u00e9conomies, comme indiqu\u00e9 dans le rapport PLF Logement 2019<\/a> du 3 octobre 2018.<\/p>\n<h2>Un coup de pouce appr\u00e9ciable<\/h2>\n<div>En outre, la disparition de l&rsquo;APL accession maintient les locataires dans le dispositif de l&rsquo;APL location. L&rsquo;APL accession permettait ainsi \u00e0 quelque <strong>35.000 foyers d&rsquo;acc\u00e9der \u00e0 la propri\u00e9t\u00e9<\/strong>, bon an mal an. Un nombre identique de m\u00e9nages serait donc demeur\u00e9 locataire en 2018, soit un co\u00fbt trois fois plus \u00e9lev\u00e9 pour l&rsquo;Etat. En r\u00e9alit\u00e9, l&rsquo;APL accession est m\u00eame <strong>peu co\u00fbteuse<\/strong>, au regard de son <strong>efficacit\u00e9 <\/strong>pour les m\u00e9nages modestes : \u201c<em>L&rsquo;effet levier est tr\u00e8s important pour ces acc\u00e9dants puisque, selon les r\u00e8gles d&rsquo;endettement usuelles, 150 euros d&rsquo;APL correspondent \u00e0 450 euros de revenus<\/em>\u201d, rappelle Gr\u00e9gory Monod, Pr\u00e9sident du syndicat des constructeurs LCA-FFB. Pour preuve : les territoires d&rsquo;Outre-mer ont obtenu le r\u00e9tablissement de l&rsquo;APL accession cette ann\u00e9e, mais \u00e0 titre temporaire.<\/p>\n<p>Les professionnels de l&rsquo;immobilier demandent \u00e9galement un <strong>maintien du pr\u00eat \u00e0 taux z\u00e9ro dans le neuf <\/strong>pour les zones d\u00e9tendues B2 et C, alors qu&rsquo;il est appel\u00e9 \u00e0 dispara\u00eetre au 1er janvier 2020.&nbsp;Et ce, bien que son maintien, l&rsquo;an prochain, repr\u00e9senterait un co\u00fbt de 31 millions d&rsquo;euros seulement pour l&rsquo;Etat.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Pour les professionnels du secteur immobilier, la quasi-suppression de cette aide \u00e0 l&rsquo;achat est une aberration. Ils plaident pour le retour de ce dispositif, aussi efficace que relativement peu co\u00fbteux.<\/p>\n","protected":false},"author":4,"featured_media":2207,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2206","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>Pour le r\u00e9tablissement en 2020 du dispositif d&#039;APL accession<\/title>\n<meta name=\"description\" content=\"La suppression de l&#039;APL accession n&#039;apporte aucune \u00e9conomie. Les professionnels souhaitent le retour de ce dispositif, efficace et peu co\u00fbteux.\" \/>\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-retablissement-de-l-apl-accession-une-vraie-bonne-idee_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pour le r\u00e9tablissement en 2020 du dispositif d&#039;APL accession\" \/>\n<meta property=\"og:description\" content=\"La suppression de l&#039;APL accession n&#039;apporte aucune \u00e9conomie. Les professionnels souhaitent le retour de ce dispositif, efficace et peu co\u00fbteux.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/le-retablissement-de-l-apl-accession-une-vraie-bonne-idee_-n.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2019-09-26T08:50:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-28T13:30:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.acecredit.fr\/wp-content\/uploads\/allotment-1268005-640.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"428\" \/>\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\" 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