{"id":279,"date":"2014-05-22T10:52:26","date_gmt":"2014-05-22T08:52:26","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/devenir-proprietaire-des-aides-financieres-peu-connues_-n.html"},"modified":"2020-07-28T15:33:16","modified_gmt":"2020-07-28T13:33:16","slug":"devenir-proprietaire-des-aides-financieres-peu-connues_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/devenir-proprietaire-des-aides-financieres-peu-connues_-n.html","title":{"rendered":"Devenir propri\u00e9taire : des aides financi\u00e8res peu connues&#8230;"},"content":{"rendered":"<p>Pour financer votre acquisition, vous avez bien s\u00fbr pens\u00e9 au pr\u00eat \u00e0 taux z\u00e9ro (PTZ+), ou encore au Plan \u00e9pargne logement (PEL). Si ces aides bien connues ne suffisent pas, persistez dans votre projet car il en existe d&rsquo;autres&nbsp;!<\/p>\n<p>&nbsp;<\/p>\n<p>A commencer par celles, parfois substantielles, fournies par les collectivit\u00e9s territoriales \u0096 commune, d\u00e9partement, r\u00e9gion. Paris, Toulouse, Caen, Rennes\u0085 De nombreuses villes proposent des pr\u00eats \u00e0 taux z\u00e9ro, cumulables avec les pr\u00eats nationaux, pour des montants variables. La ville de Bordeaux accorde m\u00eame une subvention de 3 000 \u00e0 6 000 euros aux primo-acc\u00e9dants, intitul\u00e9e Passeport premier logement.<\/p>\n<p>&nbsp;<\/p>\n<p>Pensez \u00e9galement \u00e0 interroger votre employeur, s&rsquo;il s&rsquo;agit d&rsquo;une entreprise de plus de 10 salari\u00e9s. L&rsquo;ancien 1% logement, d\u00e9sormais remplac\u00e9 par le pr\u00eat action logement, peut financer jusqu&rsquo;\u00e0 30 % du co\u00fbt total de votre acquisition, \u00e0 un taux plancher de 1,25 % (au 1<sup>er<\/sup> janvier 2014). D&rsquo;ailleurs, vous pourrez profiter de votre acquisition pour d\u00e9bloquer votre participation aux r\u00e9sultats de l&rsquo;entreprise. Une somme qui viendra s&rsquo;ajouter utilement \u00e0 votre apport personnel.<\/p>\n<p>&nbsp;<\/p>\n<p>Si tout cela ne suffit pas, il vous reste une carte ma\u00eetresse \u00e0 laquelle on ne pense pas souvent : la famille ! Dans ce cas, il faudra respecter un certain formalisme pour bien pr\u00e9ciser les conditions du pr\u00eat : si un taux est appliqu\u00e9, ce qui n&rsquo;est pas obligatoire, il doit dans tous les cas \u00eatre inf\u00e9rieur au <a href=\"https:\/\/www.tresor.economie.gouv.fr\/7234_seuils-de-l-usure-applicables\">taux d&rsquo;usure<\/a>, les modalit\u00e9s des remboursements peuvent s&rsquo;\u00e9taler dans le temps, en plusieurs fois ou en un seul versement, etc. Quelles que soient les conditions d\u00e9cid\u00e9es entre vous et votre famille, nous vous conseillons de passer devant un notaire afin de pr\u00e9server la s\u00e9r\u00e9nit\u00e9 au sein de votre famille !<\/p>\n<p>&nbsp;<\/p>\n<p>Pour faire le point sur les aides financi\u00e8res auxquelles vous avez droit, n&rsquo;h\u00e9sitez plus, contactez l&rsquo;agence ACE Cr\u00e9dit la plus proche de chez vous !<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Connaissez-vous les aides financi\u00e8res accord\u00e9es par votre ville ou votre d\u00e9partement pour l&rsquo;acquisition de votre futur logement ? Avez-vous pens\u00e9 \u00e0 demander \u00e0 votre employeur ou \u00e0 votre famille un coup de pouce pour boucler votre acquisition ? Il existe de nombreuses aides peu connues mais particuli\u00e8rement efficaces !<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-279","post","type-post","status-publish","format-standard","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>Devenir propri\u00e9taire : des aides financi\u00e8res peu connues... - Ace Cr\u00e9dit<\/title>\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\/devenir-proprietaire-des-aides-financieres-peu-connues_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Devenir propri\u00e9taire : des aides financi\u00e8res peu connues... - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Connaissez-vous les aides financi\u00e8res accord\u00e9es par votre ville ou votre d\u00e9partement pour l&#039;acquisition de votre futur logement ? 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