{"id":290,"date":"2014-09-09T12:44:04","date_gmt":"2014-09-09T10:44:04","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/la-reforme-du-pret-immobilier-a-taux-zero-sera-effective-des-le-1er-octobre_-n.html"},"modified":"2020-07-28T15:33:15","modified_gmt":"2020-07-28T13:33:15","slug":"la-reforme-du-pret-immobilier-a-taux-zero-sera-effective-des-le-1er-octobre_-n","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/la-reforme-du-pret-immobilier-a-taux-zero-sera-effective-des-le-1er-octobre_-n.html","title":{"rendered":"La r\u00e9forme du pr\u00eat immobilier \u00e0 taux z\u00e9ro sera effective d\u00e8s le 1er octobre"},"content":{"rendered":"<p>En juin dernier, Manuel Valls et Sylvia Pinel ont annonc\u00e9 dans le cadre d&rsquo;un futur plan de relance de la construction une r\u00e9forme du <span><span><span>pr\u00eat \u00e0 taux z\u00e9ro<\/a><\/span><\/span><\/span><\/span>. Ses d\u00e9tails ont \u00e9t\u00e9 publi\u00e9s le 6 ao\u00fbt 2014 au Journal Officiel.<\/p>\n<p>Les conditions et modalit\u00e9s d&rsquo;attribution des pr\u00eats \u00e0 taux z\u00e9ro (PTZ+) viennent donc d&rsquo;\u00eatre r\u00e9vis\u00e9es, notamment par un \u00e9largissement de la distribution de cette aide au primo-acc\u00e9dant d&rsquo;un logement neuf. L&rsquo;application de ces nouvelles dispositions sera effective \u00e0 partir  du 1er octobre 2014.<\/p>\n<p>Le pr\u00eat \u00e0 taux z\u00e9ro, pr\u00eat immobilier, peut \u00eatre contract\u00e9 afin de participer au financement de l&rsquo;achat ou de la construction d&rsquo;un premier bien immobilier. Ce bien devant devenir la r\u00e9sidence principale de l&#8217;emprunteur. <br \/>\nCe pr\u00eat doit \u00eatre associ\u00e9 \u00e0 un apport personnel de l&#8217;emprunteur et\/ou \u00e0 un pr\u00eat immobilier principal. Les organismes contracteurs sont des banques signataires d&rsquo;une convention avec l&rsquo;\u00c9tat et la soci\u00e9t\u00e9 de gestion du dispositif.<\/p>\n<p>Pour b\u00e9n\u00e9ficier de <span><span>l&rsquo;acc\u00e8s au PTZ+<\/a><\/span><\/span>, l&#8217;emprunteur ne doit pas avoir de revenus d\u00e9passant un certain plafond. Celui-ci varie selon la zone g\u00e9ographique o\u00f9 se situe l&rsquo;achat immobilier \u00e0 financer et la composition du foyer de l&#8217;emprunteur. <\/p>\n<p>Par exemple, le plafond de revenus pour une personne seule \u00e0 Paris (en zone A) est de 36.000 euros. Ce plafond serait pour cette m\u00eame personne, mais en zone rurale (zone C), de  48 000 euros. Pour un foyer de 4 personnes, ces plafonds sont \u00e0 multiplier par deux.<\/p>\n<p>En conclusion, plus le march\u00e9 de l&rsquo;immobilier de la zone o\u00f9 est situ\u00e9 le logement est faible, plus les plafonds de revenus pour b\u00e9n\u00e9ficier du PTZ sont hauts et plus le montant du PTZ (en pourcentage de la valeur du bien) est \u00e9lev\u00e9.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>En juin dernier, Manuel Valls et Sylvia Pinel ont annonc\u00e9 dans le cadre d&rsquo;un futur plan de relance de la construction une r\u00e9forme du pr\u00eat \u00e0 taux [&hellip;]<\/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-290","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>La r\u00e9forme du pr\u00eat immobilier \u00e0 taux z\u00e9ro sera effective d\u00e8s le 1er octobre - 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\/la-reforme-du-pret-immobilier-a-taux-zero-sera-effective-des-le-1er-octobre_-n.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La r\u00e9forme du pr\u00eat immobilier \u00e0 taux z\u00e9ro sera effective d\u00e8s le 1er octobre - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"En juin dernier, Manuel Valls et Sylvia Pinel ont annonc\u00e9 dans le cadre d&rsquo;un futur plan de relance de la construction une r\u00e9forme du pr\u00eat \u00e0 taux [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.acecredit.fr\/fr\/actualites\/la-reforme-du-pret-immobilier-a-taux-zero-sera-effective-des-le-1er-octobre_-n.html\" \/>\n<meta property=\"og:site_name\" content=\"Ace Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2014-09-09T10:44:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-28T13:33:15+00:00\" \/>\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=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/la-reforme-du-pret-immobilier-a-taux-zero-sera-effective-des-le-1er-octobre_-n.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/la-reforme-du-pret-immobilier-a-taux-zero-sera-effective-des-le-1er-octobre_-n.html\"},\"author\":{\"name\":\"Emma Martin\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#\\\/schema\\\/person\\\/b6b4a22057810ab8a95b053aca9ae632\"},\"headline\":\"La r\u00e9forme du pr\u00eat immobilier \u00e0 taux z\u00e9ro sera effective d\u00e8s le 1er octobre\",\"datePublished\":\"2014-09-09T10:44:04+00:00\",\"dateModified\":\"2020-07-28T13:33:15+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/la-reforme-du-pret-immobilier-a-taux-zero-sera-effective-des-le-1er-octobre_-n.html\"},\"wordCount\":312,\"publisher\":{\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/#organization\"},\"articleSection\":[\"Actualit\u00e9s\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.acecredit.fr\\\/fr\\\/actualites\\\/la-reforme-du-pret-immobilier-a-taux-zero-sera-effective-des-le-1er-octobre_-n.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.acecredit.fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"La r\u00e9forme du pr\u00eat immobilier \u00e0 taux z\u00e9ro sera effective d\u00e8s le 1er octobre\"}]},{\"@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":"La r\u00e9forme du pr\u00eat immobilier \u00e0 taux z\u00e9ro sera effective d\u00e8s le 1er octobre - Ace Cr\u00e9dit","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\/la-reforme-du-pret-immobilier-a-taux-zero-sera-effective-des-le-1er-octobre_-n.html","og_locale":"fr_FR","og_type":"article","og_title":"La r\u00e9forme du pr\u00eat immobilier \u00e0 taux z\u00e9ro sera effective d\u00e8s le 1er octobre - Ace Cr\u00e9dit","og_description":"En juin dernier, Manuel Valls et Sylvia Pinel ont annonc\u00e9 dans le cadre d&rsquo;un futur plan de relance de la construction une r\u00e9forme du pr\u00eat \u00e0 taux [&hellip;]","og_url":"https:\/\/www.acecredit.fr\/fr\/actualites\/la-reforme-du-pret-immobilier-a-taux-zero-sera-effective-des-le-1er-octobre_-n.html","og_site_name":"Ace Cr\u00e9dit","article_published_time":"2014-09-09T10:44:04+00:00","article_modified_time":"2020-07-28T13:33:15+00:00","author":"Emma Martin","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Emma Martin","Dur\u00e9e de lecture estim\u00e9e":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/la-reforme-du-pret-immobilier-a-taux-zero-sera-effective-des-le-1er-octobre_-n.html#article","isPartOf":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/la-reforme-du-pret-immobilier-a-taux-zero-sera-effective-des-le-1er-octobre_-n.html"},"author":{"name":"Emma Martin","@id":"https:\/\/www.acecredit.fr\/#\/schema\/person\/b6b4a22057810ab8a95b053aca9ae632"},"headline":"La r\u00e9forme du pr\u00eat immobilier \u00e0 taux z\u00e9ro sera effective d\u00e8s le 1er octobre","datePublished":"2014-09-09T10:44:04+00:00","dateModified":"2020-07-28T13:33:15+00:00","mainEntityOfPage":{"@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/la-reforme-du-pret-immobilier-a-taux-zero-sera-effective-des-le-1er-octobre_-n.html"},"wordCount":312,"publisher":{"@id":"https:\/\/www.acecredit.fr\/#organization"},"articleSection":["Actualit\u00e9s"],"inLanguage":"fr-FR"},{"@type":"BreadcrumbList","@id":"https:\/\/www.acecredit.fr\/fr\/actualites\/la-reforme-du-pret-immobilier-a-taux-zero-sera-effective-des-le-1er-octobre_-n.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.acecredit.fr\/"},{"@type":"ListItem","position":2,"name":"La r\u00e9forme du pr\u00eat immobilier \u00e0 taux z\u00e9ro sera effective d\u00e8s le 1er octobre"}]},{"@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\/290","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=290"}],"version-history":[{"count":1,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/290\/revisions"}],"predecessor-version":[{"id":4124,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/posts\/290\/revisions\/4124"}],"wp:attachment":[{"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/media?parent=290"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/categories?post=290"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.acecredit.fr\/wp-json\/wp\/v2\/tags?post=290"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}