{"id":7243,"date":"2023-03-03T08:13:00","date_gmt":"2023-03-03T07:13:00","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2023-02-28T16:19:01","modified_gmt":"2023-02-28T15:19:01","slug":"credit-immobilier-qui-peut-pretendre-a-un-ptz-en-2023","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/credit-immobilier-qui-peut-pretendre-a-un-ptz-en-2023.html","title":{"rendered":"Cr\u00e9dit immobilier : qui peut pr\u00e9tendre \u00e0 un PTZ en 2023\u2009?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Pour un achat immobilier en 2023, bonne nouvelle, le pr\u00eat \u00e0 taux z\u00e9ro (PTZ) est toujours possible. D\u2019ailleurs, les conditions du pr\u00eat sans int\u00e9r\u00eats n\u2019ont finalement pas chang\u00e9 en 2023\u2009!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Souscrire un PTZ sans int\u00e9r\u00eat<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le PTZ est un pr\u00eat sans int\u00e9r\u00eats qui peut \u00eatre souscrit pour financer partiellement l\u2019achat d\u2019un logement. Ce pr\u00eat aid\u00e9 mis en place par l\u2019\u00c9tat vise \u00e0 faciliter l\u2019accession \u00e0 la propri\u00e9t\u00e9. Comme son nom l\u2019indique, il permet de ne rembourser que le capital emprunt\u00e9, sans int\u00e9r\u00eats, et <strong>peut<\/strong> <strong>couvrir<\/strong> <strong>jusqu\u2019\u00e0 40 % du co\u00fbt total de l\u2019op\u00e9ration \u00e0 financer<\/strong>. Ainsi, sauf si vous disposez d\u2019un apport cons\u00e9quent, le PTZ doit \u00eatre adoss\u00e9 \u00e0 un autre cr\u00e9dit qui peut \u00eatre :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>&nbsp;un cr\u00e9dit immobilier bancaire classique\u2009;<\/li>\n\n\n\n<li>&nbsp;un pr\u00eat \u00c9pargne Logement (PEL)\u2009;<\/li>\n\n\n\n<li>&nbsp;un pr\u00eat d\u2019Action Logement (anciennement 1 % logement)\u2009;<\/li>\n\n\n\n<li>&nbsp;un pr\u00eat d\u2019accession sociale (PAS)\u2009;<\/li>\n\n\n\n<li>&nbsp;un pr\u00eat aid\u00e9 via la collectivit\u00e9 territoriale, une caisse de retraite compl\u00e9mentaire, etc.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pour en b\u00e9n\u00e9ficier, il est indispensable de faire appel \u00e0 un \u00e9tablissement de cr\u00e9dit habilit\u00e9, qui a pass\u00e9 une convention avec l\u2019\u00c9tat. \u00c0 noter que le PTZ doit \u00eatre garanti par une assurance. \u00c0 ce titre, le co\u00fbt des cotisations vient donc s\u2019ajouter aux mensualit\u00e9s \u00e0 rembourser.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Les conditions d\u2019\u00e9ligibilit\u00e9 au pr\u00eat \u00e0 taux z\u00e9ro 2023<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour acc\u00e9der au pr\u00eat \u00e0 taux z\u00e9ro en 2023, il est imp\u00e9ratif de remplir les conditions d\u2019\u00e9ligibilit\u00e9 suivantes :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00eatre <strong>primo-acc\u00e9dant<\/strong> ou ne pas avoir \u00e9t\u00e9 propri\u00e9taire d\u2019une r\u00e9sidence principale depuis au moins deux ans, sauf exception\u2009;<\/li>\n\n\n\n<li>vos revenus doivent respecter certains <strong>plafonds de ressources<\/strong> qui d\u00e9pendent du nombre de personnes qui y r\u00e9sident et de la zone g\u00e9ographique du logement\u2009;<\/li>\n\n\n\n<li>le bien doit devenir votre <strong>r\u00e9sidence principale<\/strong> (\u00eatre occup\u00e9 au moins huit mois par an), sauf exception\u2009;<\/li>\n\n\n\n<li>l\u2019op\u00e9ration sert \u00e0 la <strong>construction ou \u00e0 l\u2019achat d\u2019un logement neuf <\/strong>en vue de sa premi\u00e8re occupation \u00e0 titre principal\u2009;<\/li>\n\n\n\n<li>financer <strong>un logement ancien qui doit \u00eatre situ\u00e9 en zone B2 ou C<\/strong> et faire l\u2019objet de travaux d\u2019am\u00e9lioration ou de r\u00e9novation \u00e9nerg\u00e9tique (repr\u00e9sentant au moins 25 % du co\u00fbt total de l\u2019op\u00e9ration \u00e0 financer).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 noter que le PTZ peut \u00e9galement servir \u00e0 financer l\u2019achat simultan\u00e9 de d\u00e9pendances (place de parking, garage, etc.). Par ailleurs, si votre projet concerne des travaux de r\u00e9novation \u00e9nerg\u00e9tique, vous pouvez solliciter <strong>l\u2019\u00c9co-PTZ \u00e9galement prorog\u00e9 en 2023<\/strong>. Ce pr\u00eat accessible \u00e0 tous les propri\u00e9taires y compris bailleurs n\u2019est, quant \u00e0 lui, pas soumis \u00e0 des conditions de ressources.<\/p>\n\n\n<div class=\"container-link\"><a href=\"\/fr\/ptz-et-simulation-credit-habitation.html\" class=\"bouton gold inverse\">Calculez votre pr\u00eat \u00e0 taux z\u00e9ro<\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Les revenus \u00e0 ne pas d\u00e9passer pour b\u00e9n\u00e9ficier du PTZ 2023<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Attention, le fait de remplir les conditions d\u2019\u00e9ligibilit\u00e9 au pr\u00eat \u00e0 taux z\u00e9ro ne garantit pas son obtention. En effet, il faut \u00e9galement respecter des conditions de revenus. Ainsi votre solvabilit\u00e9 et vos garanties restent les crit\u00e8res principaux scrut\u00e9s par votre banque avant de vous accorder un emprunt immobilier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour 2023, l\u2019octroi d\u2019un PTZ est <strong>conditionn\u00e9 au revenu fiscal de r\u00e9f\u00e9rence (RFR) de 2021<\/strong> indiqu\u00e9 sur l\u2019avis d\u2019imposition re\u00e7u \u00e0 la mi-2022. Cette ann\u00e9e encore, il n\u2019y a pas de logique de contemporan\u00e9it\u00e9 et ce sont toujours les revenus de l\u2019ann\u00e9e N-2 qui sont pris en compte. Par ailleurs, la dur\u00e9e maximale totale du PTZ va d\u00e9pendre des revenus et s\u2019\u00e9tendre jusqu\u2019\u00e0 25 ans, ann\u00e9es de diff\u00e9r\u00e9 de remboursement comprises.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sans surprise, plus vos revenus sont \u00e9lev\u00e9s, plus la dur\u00e9e du PTZ est courte. Sachez toutefois qu\u2019un seul pr\u00eat \u00e0 taux z\u00e9ro peut \u00eatre accord\u00e9 par op\u00e9ration immobili\u00e8re. Enfin, pour mettre toutes les chances de votre c\u00f4t\u00e9, il est vivement conseill\u00e9 de faire appel \u00e0 un courtier en cr\u00e9dit. Cet expert saura v\u00e9rifier votre \u00e9ligibilit\u00e9 et obtenir une solution de financement la plus adapt\u00e9e \u00e0 votre profil et \u00e0 votre projet.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pour un achat immobilier en 2023, bonne nouvelle, le pr\u00eat \u00e0 taux z\u00e9ro (PTZ) est toujours possible. D\u2019ailleurs, les conditions du pr\u00eat sans int\u00e9r\u00eats n\u2019ont finalement pas [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":7263,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7243","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>Cr\u00e9dit immobilier : qui peut pr\u00e9tendre \u00e0 un PTZ en 2023\u2009?<\/title>\n<meta name=\"description\" content=\"Acc\u00e9der \u00e0 un pr\u00eat \u00e0 taux z\u00e9ro est toujours possible en 2023. Quels revenus plafonds\u2009? Quelles conditions\u2009? 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