{"id":6005,"date":"2021-10-26T08:31:00","date_gmt":"2021-10-26T06:31:00","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2021-10-25T09:58:15","modified_gmt":"2021-10-25T07:58:15","slug":"le-pret-a-taux-zero-prolonge-au-dela-de-2022","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/le-pret-a-taux-zero-prolonge-au-dela-de-2022.html","title":{"rendered":"Le pr\u00eat \u00e0 taux z\u00e9ro prolong\u00e9 au-del\u00e0 de 2022"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">La ministre du Logement a confirm\u00e9 la prolongation du pr\u00eat \u00e0 taux z\u00e9ro tel qu\u2019on le conna\u00eet jusqu\u2019\u00e0 la fin 2023. Une bonne nouvelle pour certains professionnels du secteur, mais aussi pour les primo-acc\u00e9dants.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Des conditions d\u2019octroi inchang\u00e9es<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/www.acecredit.fr\/fr\/qui-peut-beneficier-du-ptz.html\">Les conditions d\u2019\u00e9ligibilit\u00e9 au pr\u00eat \u00e0 taux z\u00e9ro<\/a> (PTZ) ne seront finalement pas modifi\u00e9es comme cela avait \u00e9t\u00e9 annonc\u00e9.<\/strong> Dans un contexte o\u00f9 les recommandations du Haut Conseil de stabilit\u00e9 financi\u00e8re deviennent contraignantes d\u00e9but 2022, le PTZ repr\u00e9sente un levier indispensable pour certaines cat\u00e9gories d\u2019emprunteurs. Sans oublier que le march\u00e9 immobilier ne cesse de se tendre avec des prix qui connaissent de fortes hausses notamment dans les villes moyennes. Le pr\u00eat \u00e0 taux z\u00e9ro constitue ainsi un dispositif d\u2019aide qui permet aux primo-acc\u00e9dants \u00e0 financer une partie de leur r\u00e9sidence principale sans int\u00e9r\u00eat \u00e0 rembourser et avec diff\u00e9r\u00e9 d\u2019amortissement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Hausse des prix de l\u2019immobilier dans les villes moyennes<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le maintien du PTZ est essentiel pour les foyers primo-acc\u00e9dants localis\u00e9s dans les villes o\u00f9 les prix de l\u2019immobilier s\u2019envolent. Une ville comme Angers a connu une augmentation des prix dans l\u2019ancien de plus de 50 % en quelques ann\u00e9es. Le pr\u00eat \u00e0 taux z\u00e9ro pr\u00e9voit un financement pouvant atteindre jusqu\u2019\u00e0 40 % du projet \u00e0 financer. \u00c0 titre d\u2019exemple, une famille de quatre avec 50\u2009000 \u20ac de revenus souhaitant acheter \u00e0 Orl\u00e9ans un bien neuf de 250\u2009000 \u20ac peut b\u00e9n\u00e9ficier d\u2019un PTZ de 100\u2009000 \u20ac sur 20 ans avec 60 mois de diff\u00e9r\u00e9 de remboursement, soit 5 ans (possible jusqu\u2019\u00e0 15 ans, sous conditions). <strong>Le diff\u00e9r\u00e9 d\u2019amortissement constitue un atout particuli\u00e8rement int\u00e9ressant du PTZ<\/strong>, et ce m\u00eame dans une p\u00e9riode o\u00f9 il est possible d\u2019emprunter \u00e0 des taux inf\u00e9rieurs \u00e0 1 %. En effet, diff\u00e9rer le remboursement permet d\u2019all\u00e9ger les mensualit\u00e9s et de limiter l\u2019endettement. Un avantage r\u00e9el au moment o\u00f9 la recommandation du Haut Conseil en stabilit\u00e9 financi\u00e8re (HCSF) de ne pas d\u00e9passer le seuil de 35 % d\u2019endettement devient obligatoire.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Vers la fin des limitations du zonage pour le PTZ<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sur le segment des biens immobiliers neufs, seules les acquisitions r\u00e9alis\u00e9es dans les zones les plus tendues (A bis, A et B1) peuvent b\u00e9n\u00e9ficier de la quotit\u00e9 maximale finan\u00e7able \u00e0 40 % par le PTZ. Les zones B2 et C b\u00e9n\u00e9ficient, quant \u00e0 elles, d\u2019une quotit\u00e9 du PTZ de 20 % du montant plafonn\u00e9 pour les biens neufs. Celui-ci pouvant passer \u00e0 40 % si l\u2019achat concerne de l\u2019ancien avec travaux. Ces zonages limitent le financement d\u2019une grande majorit\u00e9 de m\u00e9nages modestes, c\u2019est pourquoi <strong>certains parlementaires souhaitent les supprimer<\/strong>. Un projet de loi a donc \u00e9t\u00e9 soumis \u00e0 l\u2019ex\u00e9cutif au moment o\u00f9 les prix immobiliers flambent dans beaucoup de zones rurales.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La ministre du Logement a confirm\u00e9 la prolongation du pr\u00eat \u00e0 taux z\u00e9ro tel qu\u2019on le conna\u00eet jusqu\u2019\u00e0 la fin 2023. Une bonne nouvelle pour certains professionnels [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":5088,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6005","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>Le pr\u00eat \u00e0 taux z\u00e9ro prolong\u00e9 au-del\u00e0 de 2022 - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"Bonne nouvelle pour les primo-acc\u00e9dants, le PTZ est prolong\u00e9. Une aide pour financer 40 % d&#039;une op\u00e9ration immobili\u00e8re sans int\u00e9r\u00eat, avec diff\u00e9r\u00e9 d&#039;amortissement.\" \/>\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-pret-a-taux-zero-prolonge-au-dela-de-2022.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le pr\u00eat \u00e0 taux z\u00e9ro prolong\u00e9 au-del\u00e0 de 2022 - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Bonne nouvelle pour les primo-acc\u00e9dants, le PTZ est prolong\u00e9. 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