{"id":4994,"date":"2020-12-04T08:11:00","date_gmt":"2020-12-04T07:11:00","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2020-12-02T10:27:00","modified_gmt":"2020-12-02T09:27:00","slug":"loi-pinel-reduction-des-avantages-fiscaux-des-2023","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/loi-pinel-reduction-des-avantages-fiscaux-des-2023.html","title":{"rendered":"Loi Pinel : r\u00e9duction des avantages fiscaux d\u00e8s 2023"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Bonne nouvelle pour les investisseurs, le dispositif de d\u00e9fiscalisation Pinel qui devait s\u2019achever au 31 d\u00e9cembre 2021 est prolong\u00e9 jusqu\u2019au 31 d\u00e9cembre 2024. Toutefois, l\u2019Assembl\u00e9e nationale pr\u00e9voit de r\u00e9duire progressivement l\u2019avantage fiscal en 2023 et 2024 \u00e0 travers l\u2019amendement adopt\u00e9 le 13 novembre dernier.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Une baisse progressive<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A partir du 1er janvier 2023, <\/strong>selon le texte qui sera remis au Parlement avant le 30 mars 2021, pour tout logement neuf ou construit en 2023, la r\u00e9duction d\u2019imp\u00f4t passera&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>de <strong>12 \u00e0 10,5%<\/strong> pour un engagement sur 6 ans&nbsp;;<\/li><li>de <strong>18 \u00e0 15%<\/strong> sur 9 ans&nbsp;;<\/li><li>de <strong>21 \u00e0 17,5%<\/strong> sur 12 ans.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Et en 2024, une nouvelle r\u00e9duction sera appliqu\u00e9e&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>de <strong>10,5 \u00e0 9%<\/strong> sur 6 ans&nbsp;;<\/li><li>de <strong>15 \u00e0 12%<\/strong> sur 9 ans&nbsp;;<\/li><li>de <strong>17,5 \u00e0 14%<\/strong> sur 12 ans.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Il demeure n\u00e9anmoins quelques exceptions qui ne seront pas concern\u00e9es par ces baisses, \u00e0 savoir les logements &nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>ayant fait l\u2019objet de travaux de r\u00e9habilitation \u00e0 hauteur de 25% du montant total du bien&nbsp;;<\/li><li>respectant un niveau de performance \u00e9nerg\u00e9tique sup\u00e9rieur \u00e0 la r\u00e9glementation&nbsp;;<\/li><li>situ\u00e9s dans les quartiers prioritaires de la politique de la ville.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Des r\u00e9ductions d\u2019imp\u00f4ts pour les grandes agglom\u00e9rations<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Au 1<sup>er<\/sup> janvier 2018, la r\u00e9duction d\u2019imp\u00f4t avait \u00e9t\u00e9 recentr\u00e9e sur les grandes agglom\u00e9rations, celles o\u00f9 le march\u00e9 est en tension, \u00e0 savoir&nbsp;: <strong>les zones A bis, A et B1&nbsp;ouvrent le droit \u00e0 la r\u00e9duction Pinel<\/strong>. Les zones B2 et C, qui regroupent les villes moyennes et les petites agglom\u00e9rations, sont exclues.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le montant total de la r\u00e9duction d\u2019imp\u00f4t est plafonn\u00e9 \u00e0 <strong>300&nbsp;000\u20ac par an et \u00e0 5 500\u20ac\/m\u00b2<\/strong> <strong>de surface habitable<\/strong>, et son b\u00e9n\u00e9fice est soumis \u00e0 un plafonnement de loyers et de revenus des locataires.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Le moment de profiter de la version actuelle du Pinel<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les nouveaux bar\u00e8mes de r\u00e9duction d\u2019imp\u00f4ts n\u2019entreront en vigueur qu\u2019en 2023, ce qui laisse le temps aux investisseurs qui souhaiteraient r\u00e9duire le montant de leur imp\u00f4t sur le revenu de profiter d\u00e8s maintenant des taux bas du cr\u00e9dit immobilier pour concr\u00e9tiser leur projet. Le taux de cr\u00e9dit immobilier sur 20 ans s\u2019\u00e9tablit \u00e0 <strong>1,21% en moyenne<\/strong>. Pour en profiter, il faut veiller \u00e0 remplir les conditions r\u00e9affirm\u00e9es septembre dernier par le Haut conseil de stabilit\u00e9 financi\u00e8re (HCSF), c\u2019est-\u00e0-dire\u00a0un <a href=\"https:\/\/www.acecredit.fr\/fr\/taux-endettement-maximum-autorise.html\">taux d\u2019endettement de 33% maximum<\/a>\u00a0et une dur\u00e9e d\u2019emprunt plafonn\u00e9e \u00e0 25 ans. Faire appel \u00e0 un courtier en cr\u00e9dit immobilier est l\u2019assurance d\u2019un projet r\u00e9ussi. \u00a0Il analyse le dossier d\u2019emprunteur, l\u2019optimise et le transmet \u00e0 ses partenaires bancaires. Il n\u00e9gocie ensuite le taux ainsi que les conditions d\u2019emprunt.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bonne nouvelle pour les investisseurs, le dispositif de d\u00e9fiscalisation Pinel qui devait s\u2019achever au 31 d\u00e9cembre 2021 est prolong\u00e9 jusqu\u2019au 31 d\u00e9cembre 2024. Toutefois, l\u2019Assembl\u00e9e nationale pr\u00e9voit [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":3301,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4994","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>Loi Pinel : r\u00e9duction des avantages fiscaux d\u00e8s 2023 - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Prolongation du dispositif Pinel jusqu&#039;au 1 d\u00e9cembre 2024. 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