{"id":7013,"date":"2022-12-28T10:38:20","date_gmt":"2022-12-28T09:38:20","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2022-12-30T11:03:56","modified_gmt":"2022-12-30T10:03:56","slug":"pel-2023-a-2-pourcent","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/pel-2023-a-2-pourcent.html","title":{"rendered":"Immobilier : ce qui change avec le PEL 2023 \u00e0 2 %\u2009"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">C\u2019est officiel, les taux des plans d\u2019\u00e9pargne logement vont doubler\u2009! \u00c0 compter du 1<sup>er<\/sup> janvier, un PEL ouvert rapportera 2 % par an, contre 1 % aujourd\u2019hui. Une r\u00e9mun\u00e9ration doubl\u00e9e qui va booster l\u2019attractivit\u00e9 du PEL.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Un rel\u00e8vement historique<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La hausse des taux va \u00e9galement affecter les plans d\u2019\u00e9pargne logement. Une premi\u00e8re alors que le taux du PEL n\u2019avait pas augment\u00e9 depuis 22 ans. Une revalorisation qui cr\u00e9e l&rsquo;\u00e9v\u00e9nement puisque la derni\u00e8re <em>\u00ab\u2009remonte \u00e0 l\u2019an 2000\u2009\u00bb<\/em>, rappelle Bercy. C\u2019est dans un communiqu\u00e9 que Bruno Le Maire, ministre de l\u2019\u00c9conomie, a confirm\u00e9 <strong>le doublement du taux du PEL qui passera de 1 % \u00e0 2 % d\u00e8s le 1<sup>er<\/sup> janvier 2023 prochain<\/strong>. Le ministre explique d\u2019ailleurs avoir suivi la recommandation de l\u2019actuel gouverneur de la Banque de France, Fran\u00e7ois Villeroy de Galhau. Avec ce doublement de taux, ces nouveaux PEL redeviennent attractifs aussi bien comme produits d\u2019\u00e9pargne que pour un projet d\u2019investissement immobilier. Attention, les plans ouverts avant le 1<sup>er <\/sup>janvier 2023 conservent le taux de rendement qui \u00e9tait en vigueur au moment de leur ouverture.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Un PEL aussi attractif que le Livret A<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Avec une r\u00e9mun\u00e9ration brute doubl\u00e9e qui passe \u00e0 2 %, ces nouveaux plans gagnent en attractivit\u00e9. On peut d\u00e9sormais les comparer aux autres produits de placement que sont le Livret A ou l\u2019assurance-vie. Il faut savoir qu\u2019\u00e0 1 %, un PEL \u00e9tait trop peu r\u00e9mun\u00e9rateur. \u00c0 2 %, l\u2019\u00e9pargnant ou l\u2019investisseur peut se pencher sur la question d\u2019un arbitrage. Face au livret A, le PEL peut \u00eatre int\u00e9ressant du point de vue des montants puisque <strong>les versements sont plafonn\u00e9s \u00e0 61\u2009200 euros, contre 22\u2009950 euros pour le Livret A<\/strong>. Toutefois, pour ce qui est de la r\u00e9mun\u00e9ration, il faut savoir que les int\u00e9r\u00eats du PEL sont fiscalis\u00e9s. Une fois la flat tax de 30 % d\u00e9duite, ces nouveaux PEL ne rapportent finalement plus que 1,4 %, loin derri\u00e8re les 2 % net du Livret A. En revanche, le PEL pourrait s\u2019av\u00e9rer plus int\u00e9ressant que les fonds en euros de l\u2019assurance-vie dont le rendement s\u2019\u00e9l\u00e8ve en moyenne \u00e0 1,28 % en 2021 et ne devrait pas d\u00e9passer 2 % bruts en 2022.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Le PEL renoue avec sa vocation de produit d\u2019\u00e9pargne<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ce rel\u00e8vement de taux \u00e0 2 % permet au PEL de renouer avec une attractivit\u00e9 perdue. Il faut rappeler que ce produit d\u2019\u00e9pargne \u00e0 moyen terme permet aux candidats \u00e0 la propri\u00e9t\u00e9 de concr\u00e9tiser l\u2019achat d\u2019une r\u00e9sidence principale. \u00c0 noter que le PEL impose des versements r\u00e9guliers qui doivent respecter <strong>un seuil minimum de 540 euros par an<\/strong>. L\u2019argent plac\u00e9 est alors bloqu\u00e9 pendant quatre ans au minimum. Les d\u00e9tenteurs peuvent ainsi b\u00e9n\u00e9ficier d\u2019un apport pour leur projet immobilier et emprunter \u00e0 un taux de cr\u00e9dit \u00e0 3,20 %. Un taux qui pourrait \u00eatre int\u00e9ressant compte tenu de la remont\u00e9e actuelle des <a href=\"https:\/\/www.acecredit.fr\/fr\/barometres-taux.html\">taux d\u2019emprunt<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>C\u2019est officiel, les taux des plans d\u2019\u00e9pargne logement vont doubler\u2009! \u00c0 compter du 1er janvier, un PEL ouvert rapportera 2 % par an, contre 1 % aujourd\u2019hui. [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":7056,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7013","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>Immobilier : ce qui change avec le PEL 2023 \u00e0 2 %\u2009 - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"D\u00e8s 2023, le taux du PEL double et passe \u00e0 2 %. 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