{"id":7972,"date":"2023-09-28T15:25:47","date_gmt":"2023-09-28T13:25:47","guid":{"rendered":"https:\/\/www.acecredit.fr\/fr\/actualites\/.html"},"modified":"2023-09-28T15:25:47","modified_gmt":"2023-09-28T13:25:47","slug":"ptz-2023-pourquoi-il-faut-se-depecher-pour-en-profiter","status":"publish","type":"post","link":"https:\/\/www.acecredit.fr\/fr\/actualites\/ptz-2023-pourquoi-il-faut-se-depecher-pour-en-profiter.html","title":{"rendered":"PTZ 2023 : pourquoi il faut se d\u00e9p\u00eacher pour en profiter\u2009!"},"content":{"rendered":"<p>Pourquoi vous devez faire vite\u2009pour obtenir un pr\u00eat \u00e0 taux z\u00e9ro (PTZ)\u2009? Ce pr\u00eat aid\u00e9 qui facilite l\u2019accession \u00e0 la propri\u00e9t\u00e9 va subir quelques changements. Avec des conditions d\u2019acc\u00e8s plus complexes et un recentrage, il est recommand\u00e9 de ne pas attendre pour en profiter\u2009!<\/p>\n<h2>Un pr\u00eat \u00e0 taux z\u00e9ro prolong\u00e9 jusqu\u2019en 2027, mais plus recentr\u00e9<\/h2>\n<p>Le pr\u00eat \u00e0 taux z\u00e9ro pour devenir propri\u00e9taire dispara\u00eet progressivement. Comme annonc\u00e9 \u00e0 l\u2019occasion du Conseil national de la refondation d\u00e9di\u00e9 au logement (CNR logement), le pr\u00eat \u00e0 taux z\u00e9ro est bien prolong\u00e9 jusqu\u2019en 2027, mais va subir quelques changements. Pour rappel, ce pr\u00eat gratuit, sans int\u00e9r\u00eat et sans frais de dossier, constitue une v\u00e9ritable aubaine pour les emprunteurs qui souhaitent acc\u00e9der \u00e0 la propri\u00e9t\u00e9 de leur r\u00e9sidence principale. Adoss\u00e9 \u00e0 un pr\u00eat classique, le PTZ permet d\u2019avoir une partie de son cr\u00e9dit \u00e0 taux nul. Mais attention, d\u00e8s 2024, le PTZ nouvelle version fait peu \u00e0 peu son apparition avec :<\/p>\n<ul>\n<li>un <strong>recentrage sur le logement collectif<\/strong> en zone tendue, les maisons seront donc exclues du dispositif\u2009;<\/li>\n<li>ainsi que <strong>la r\u00e9novation, en zone d\u00e9tendue<\/strong>, sous r\u00e9serve de r\u00e9aliser des travaux.<\/li>\n<\/ul>\n<h2>Une solution face \u00e0 la hausse du co\u00fbt du cr\u00e9dit<\/h2>\n<p><a href=\"https:\/\/www.acecredit.fr\/fr\/ptz-et-simulation-credit-habitation.html\">Le pr\u00eat \u00e0 taux z\u00e9ro<\/a> est une aide non n\u00e9gligeable, surtout en p\u00e9riode de forte remont\u00e9e des taux qui p\u00e8se sur le pouvoir d\u2019achat immobilier des Fran\u00e7ais. Gr\u00e2ce au pr\u00eat \u00e0 taux z\u00e9ro, le co\u00fbt d\u2019un achat immobilier est plus avantageux. Ce pr\u00eat sans int\u00e9r\u00eat peut en effet couvrir <strong>jusqu\u2019\u00e0 40 % du prix d\u2019acquisition<\/strong>. De plus, le PTZ permet de profiter d\u2019un diff\u00e9r\u00e9 de remboursement. \u00c0 ce titre, vous pouvez commencer \u00e0 rembourser vos mensualit\u00e9s 5, 10, ou 15 ann\u00e9es apr\u00e8s la signature du PTZ. Attention, il faut toutefois respecter certaines conditions d\u2019\u00e9ligibilit\u00e9 pour pr\u00e9tendre \u00e0 ce pr\u00eat aid\u00e9, telles que :<\/p>\n<ul>\n<li>acheter une r\u00e9sidence principale\u2009;<\/li>\n<li>\u00eatre primo-acc\u00e9dant et ne pas avoir \u00e9t\u00e9 propri\u00e9taire depuis au moins deux ans.<\/li>\n<\/ul>\n<h2>Derni\u00e8re ligne droite pour profiter du PTZ 2023<\/h2>\n<p>Pour les porteurs de projet dont le dossier est mature, il faut savoir que les banques instruisent les dossiers de 2023 jusqu\u2019\u00e0 mi-octobre, voire d\u00e9but novembre. Si vous souhaitez profiter du PTZ tel qu\u2019il existe actuellement, c\u2019est donc votre derni\u00e8re chance. En effet, le d\u00e9lai habituel entre la demande d\u2019un cr\u00e9dit et le d\u00e9blocage des fonds est de <strong>trois mois<\/strong>. Mieux vaut donc faire vite pour d\u00e9poser votre demande de pr\u00eat.<\/p>\n<p>Et, pour mettre toutes les chances de votre c\u00f4t\u00e9, il est conseill\u00e9 de faire appel \u00e0 un courtier en immobilier. Cet expert du cr\u00e9dit optimise votre dossier de demande. Gr\u00e2ce \u00e0 lui, les d\u00e9marches sont facilit\u00e9es et vous pouvez obtenir une solution adapt\u00e9e au meilleur taux.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pourquoi vous devez faire vite\u2009pour obtenir un pr\u00eat \u00e0 taux z\u00e9ro (PTZ)\u2009? Ce pr\u00eat aid\u00e9 qui facilite l\u2019accession \u00e0 la propri\u00e9t\u00e9 va subir quelques changements. Avec des [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":7983,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7972","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>PTZ 2023 : pourquoi il faut se d\u00e9p\u00eacher pour en profiter\u2009! - Ace Cr\u00e9dit<\/title>\n<meta name=\"description\" content=\"La fin du pr\u00eat \u00e0 taux z\u00e9ro, il faut faire vite pour en profiter\u2009! Dans sa nouvelle version, le PTZ se recentre sur le collectif avec des conditions d\u2019acc\u00e8s qui se durcissent.\" \/>\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\/ptz-2023-pourquoi-il-faut-se-depecher-pour-en-profiter.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PTZ 2023 : pourquoi il faut se d\u00e9p\u00eacher pour en profiter\u2009! - Ace Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"La fin du pr\u00eat \u00e0 taux z\u00e9ro, il faut faire vite pour en profiter\u2009! 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