Les prêts aidés

<!-- {"type":"layout","children":[{"type":"section","props":{"style":"default","width":"default","vertical_align":"middle","title_position":"top-left","title_rotation":"left","title_breakpoint":"xl","image_position":"center-center","text_color":"","width_expand":"","height":"","padding":"","header_transparent":"","animation":""},"children":[{"type":"row","props":{"layout":"1-1","breakpoint":"m","fixed_width":"large","column_gap":"","row_gap":"","width":"","width_expand":"","height":"","margin":""},"children":[{"type":"column","props":{"image_position":"center-center","media_overlay_gradient":"","vertical_align":"","style":"","text_color":"","padding":""},"children":[{"type":"headline","props":{"title_element":"h1","title_style":"h2","title_decoration":"","title_font_family":"","title_color":"emphasis","position":"","position_z_index":"","margin":"","maxwidth":"","maxwidth_breakpoint":"","block_align":"","block_align_breakpoint":"","block_align_fallback":"","text_align":"","text_align_breakpoint":"","text_align_fallback":"","animation":"","visibility":"","content":"<strong>Le financement, la premi\u00e8re cl\u00e9 de votre projet !<\/strong>"}},{"type":"text","props":{"margin":"default","column_breakpoint":"m","text_style":"","text_color":"","text_size":"large","column":"","position":"","position_z_index":"","maxwidth":"","maxwidth_breakpoint":"","block_align":"","block_align_breakpoint":"","block_align_fallback":"","text_align":"","text_align_breakpoint":"","text_align_fallback":"","animation":"","visibility":"","content":"<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>Il est important de bien prendre connaissance de toutes les aides et possibilit\u00e9s \u00e0 votre disposition lorsque vous montez votre dossier de financement.<\/strong><\/span> N\u2019h\u00e9sitez pas \u00e0 en parler avec votre employeur, votre banque ou encore mieux, <span style=\"color: #000000;\"><strong>choisissez de passer par un courtier.<\/strong><\/span><\/p>\n<p style=\"text-align: justify;\">\u00a0<\/p>","css":".el-element a {\n    color: #1aacd3;\n}"}},{"type":"headline","props":{"title_element":"h1","title_style":"h2","title_decoration":"","title_font_family":"","title_color":"emphasis","position":"","position_z_index":"","margin":"","maxwidth":"","maxwidth_breakpoint":"","block_align":"","block_align_breakpoint":"","block_align_fallback":"","text_align":"","text_align_breakpoint":"","text_align_fallback":"","animation":"","visibility":"","content":"<span style=\"font-size: 30pt;\"><strong>Pr\u00eats aid\u00e9s, le coup de pouce pour votre achat immobilier<\/strong><\/span>"}},{"type":"text","props":{"margin":"default","column_breakpoint":"m","text_style":"","text_color":"","text_size":"large","column":"","position":"","position_z_index":"","maxwidth":"","maxwidth_breakpoint":"","block_align":"","block_align_breakpoint":"","block_align_fallback":"","text_align":"","text_align_breakpoint":"","text_align_fallback":"","animation":"","visibility":"","content":"<p style=\"text-align: justify;\">Favoriser l\u2019acc\u00e8s \u00e0 la propri\u00e9t\u00e9 de la r\u00e9sidence principale \u00e0 travers une aide au pr\u00eat immobilier est une volont\u00e9 politique forte en France : l\u2019Etat et les collectivit\u00e9s locales \u0153uvrent en ce sens. Selon votre situation, vous pouvez cumuler les diff\u00e9rents pr\u00eats et subventions <a href=\"https:\/\/www.pretto.fr\/capacite-demprunt\/\">pour\u00a0diminuer le montant emprunt\u00e9<\/a>\u00a0\u00e0 la banque. Il serait dommage de passer \u00e0 c\u00f4t\u00e9 si vous y avez droit ! Voici la liste exhaustive des dispositifs auxquels vous pouvez pr\u00e9tendre.<\/p>\n<p>Il faut tout d\u2019abord distinguer deux types de pr\u00eats aid\u00e9s : les pr\u00eats compl\u00e9mentaires et les pr\u00eats principaux.<\/p>\n<p>Les pr\u00eats compl\u00e9mentaires comme le pr\u00eat action logement ou encore les aides territoriales ont des montants limit\u00e9s. La part de montant qu\u2019ils peuvent financer est plafonn\u00e9e. Mais bonne nouvelle : vous pouvez cumuler les aides au pr\u00eat immobilier !<\/p>\n<p>Le\u00a0<a href=\"https:\/\/www.pretto.fr\/pret-immobilier\/\">pr\u00eat immobilier principal<\/a>, aid\u00e9 (comme le Pr\u00eat Accession Sociale ou le Pr\u00eat Conventionn\u00e9) ou non, finance la part restante de votre pr\u00eat.<\/p>\n<p>Le pr\u00eat compl\u00e9mentaire vous permet de faire des \u00e9conomies, les taux propos\u00e9s \u00e9tant tr\u00e8s avantageux.<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>","css":".el-element a {\n    color: #1aacd3;\n}"}}]}]},{"type":"row","props":{"layout":"1-1","breakpoint":"m","fixed_width":"large","column_gap":"","row_gap":"","width":"","width_expand":"","height":"","margin":""},"children":[{"type":"column","props":{"image_position":"center-center","media_overlay_gradient":"","vertical_align":"","style":"","text_color":"","padding":""},"children":[{"type":"headline","props":{"title_element":"h1","title_style":"h2","title_decoration":"","title_font_family":"","title_color":"emphasis","position":"","position_z_index":"","margin":"","maxwidth":"","maxwidth_breakpoint":"","block_align":"","block_align_breakpoint":"","block_align_fallback":"","text_align":"","text_align_breakpoint":"","text_align_fallback":"","animation":"","visibility":"","content":"<span style=\"font-size: 30pt;\"><strong>Le pr\u00eat Action Logement : merci Patron !<\/strong><\/span>"}},{"type":"text","props":{"margin":"default","column_breakpoint":"m","text_style":"","text_color":"","text_size":"large","column":"","position":"","position_z_index":"","maxwidth":"","maxwidth_breakpoint":"","block_align":"","block_align_breakpoint":"","block_align_fallback":"","text_align":"","text_align_breakpoint":"","text_align_fallback":"","animation":"","visibility":"","content":"<p>Anciennement connu sous l\u2019appellation \u00ab 1 % logement \u00bb, c\u2019est d\u00e9sormais Action Logement qui g\u00e8re l\u2019effort des entreprises pour le logement des salari\u00e9s. Toutes les entreprises de plus de 10 salari\u00e9s sont l\u00e9galement contraintes de verser une\u00a0<a href=\"https:\/\/www.pretto.fr\/prets-aides\/pret-action-logement-employeur\/\">contribution financi\u00e8re \u00e0 Action Logement<\/a>\u00a0pour aider les salari\u00e9s \u00e0 se loger. Pour en b\u00e9n\u00e9ficier, renseignez-vous aupr\u00e8s de votre DRH.<\/p>\n<p>Action Logement propose de nombreuses aides: pour la location, pour le d\u00e9m\u00e9nagement, pour les travaux, mais aussi pour l\u2019achat. Pour l\u2019achat d\u2019une r\u00e9sidence principale, vous pouvez avoir droit au pr\u00eat Action Logement si vous \u00eates salari\u00e9 ou retrait\u00e9 depuis moins de 5 ans d\u2019une entreprise de plus de 10 salari\u00e9s et si votre revenu est en-dessous d\u2019un certain plafond (variable en fonction du nombre de personnes de votre foyer et de votre zone g\u00e9ographique). Bonne nouvelle : les plafonds sont plus hauts que ceux du PTZ ou du pr\u00eat PAS !<\/p>\n<p>Le montant du pr\u00eat peut varier entre 7 000 \u20ac et 25 000 \u20ac pour 30 % maximum du prix du bien, et son taux, qui varie en fonction de celui du livret A, est actuellement fix\u00e9 \u00e0 1 % hors assurance.<\/p>\n<p>Par ailleurs, sachez qu\u2019il existe \u00e9galement des pr\u00eats r\u00e9serv\u00e9s aux fonctionnaires.<\/p>\n<p>Le\u00a0<a href=\"https:\/\/www.actionlogement.fr\/\">site d\u2019Action Logement<\/a>, qui vous accompagne dans cette d\u00e9marche, d\u00e9taille les diff\u00e9rentes r\u00e8gles du pr\u00eat.<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>","css":".el-element a {\n    color: #1aacd3;\n}"}}]}]},{"type":"row","props":{"layout":"1-1","breakpoint":"m","fixed_width":"large","column_gap":"","row_gap":"","width":"","width_expand":"","height":"","margin":""},"children":[{"type":"column","props":{"image_position":"center-center","media_overlay_gradient":"","vertical_align":"","style":"","text_color":"","padding":""},"children":[{"type":"headline","props":{"title_element":"h1","title_style":"h2","title_decoration":"","title_font_family":"","title_color":"emphasis","position":"","position_z_index":"","margin":"","maxwidth":"","maxwidth_breakpoint":"","block_align":"","block_align_breakpoint":"","block_align_fallback":"","text_align":"","text_align_breakpoint":"","text_align_fallback":"","animation":"","visibility":"","content":"<span style=\"font-size: 30pt;\"><strong>Pr\u00eat Accession Sociale et Pr\u00eat Conventionn\u00e9 : Votre passeport pour les APL<\/strong><\/span>"}},{"type":"text","props":{"margin":"default","column_breakpoint":"m","text_style":"","text_color":"","text_size":"large","column":"","position":"","position_z_index":"","maxwidth":"","maxwidth_breakpoint":"","block_align":"","block_align_breakpoint":"","block_align_fallback":"","text_align":"","text_align_breakpoint":"","text_align_fallback":"","animation":"","visibility":"","content":"<p style=\"text-align: justify;\"><a href=\"https:\/\/www.pretto.fr\/prets-aides\/pret-accession-sociale-pret-conventionne-pour-apl\/\">Le pr\u00eat conventionn\u00e9 (PC) et le pr\u00eat accession sociale (PAS)<\/a>\u00a0sont distribu\u00e9s par les banques ayant pass\u00e9 une convention avec l\u2019\u00c9tat aux acqu\u00e9reurs de r\u00e9sidence principale afin de financer l\u2019achat ou la construction du logement (neuf ou ancien) avec d\u2019\u00e9ventuels travaux d\u2019am\u00e9lioration.<\/p>\n<p>Les taux ne sont pas n\u00e9cessairement comp\u00e9titifs mais ces pr\u00eats vous donnent acc\u00e8s aux APL (Aide Personnalis\u00e9e au Logement) alors m\u00eame que vous \u00eates propri\u00e9taire.\u00a0Si vous validez les conditions de ressources des APL, la banque aupr\u00e8s de laquelle vous avez emprunt\u00e9 les re\u00e7oit directement et elles viennent r\u00e9duire vos mensualit\u00e9s.<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>","css":".el-element a {\n    color: #1aacd3;\n}"}}]}]},{"type":"row","props":{"layout":"1-1","breakpoint":"m","fixed_width":"large","column_gap":"","row_gap":"","width":"","width_expand":"","height":"","margin":""},"children":[{"type":"column","props":{"image_position":"center-center","media_overlay_gradient":"","vertical_align":"","style":"","text_color":"","padding":""},"children":[{"type":"headline","props":{"title_element":"h1","title_style":"h2","title_decoration":"","title_font_family":"","title_color":"emphasis","position":"","position_z_index":"","margin":"","maxwidth":"","maxwidth_breakpoint":"","block_align":"","block_align_breakpoint":"","block_align_fallback":"","text_align":"","text_align_breakpoint":"","text_align_fallback":"","animation":"","visibility":"","content":"<span style=\"font-size: 30pt;\"><strong>Le pr\u00eat accession sociale<\/strong><\/span>"}},{"type":"text","props":{"margin":"default","column_breakpoint":"m","text_style":"","text_color":"","text_size":"large","column":"","position":"","position_z_index":"","maxwidth":"","maxwidth_breakpoint":"","block_align":"","block_align_breakpoint":"","block_align_fallback":"","text_align":"","text_align_breakpoint":"","text_align_fallback":"","animation":"","visibility":"","content":"<p style=\"text-align: justify;\">Le PAS est soumis aux plafonds de ressources appliqu\u00e9s aux PTZ. Par ailleurs, pour en b\u00e9n\u00e9ficier, vous devez avoir un apport couvrant au minimum les frais de garantie et les frais de notaire, soit environ 10 % du prix du bien.<\/p>\n<p>Vous pouvez b\u00e9n\u00e9ficier d\u2019un PAS alors que votre plafond de ressources est trop \u00e9lev\u00e9 pour les APL. Mais si vos revenus venaient \u00e0 diminuer, avoir pr\u00e9alablement emprunt\u00e9 avec un PAS vous permet de b\u00e9n\u00e9ficier des APL.<\/p>\n<p>Outre l\u2019acc\u00e8s aux APL, le pr\u00eat PAS pr\u00e9sente d\u2019autres avantages :<\/p>\n<p>Des frais de garantie r\u00e9duits,<\/p>\n<p>La possibilit\u00e9 de report d\u2019\u00e9ch\u00e9ance en cas de difficult\u00e9s (sous condition<\/p>\n<p>L\u2019acc\u00e8s \u00e0 des taux pr\u00e9f\u00e9rentiels dans certaines banques (notamment au Cr\u00e9dit Foncier)<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>"}}]}]},{"type":"row","props":{"layout":"1-1","breakpoint":"m","fixed_width":"large","column_gap":"","row_gap":"","width":"","width_expand":"","height":"","margin":""},"children":[{"type":"column","props":{"image_position":"center-center","media_overlay_gradient":"","vertical_align":"","style":"","text_color":"","padding":""},"children":[{"type":"headline","props":{"title_element":"h1","title_style":"h2","title_decoration":"","title_font_family":"","title_color":"emphasis","position":"","position_z_index":"","margin":"","maxwidth":"","maxwidth_breakpoint":"","block_align":"","block_align_breakpoint":"","block_align_fallback":"","text_align":"","text_align_breakpoint":"","text_align_fallback":"","animation":"","visibility":"","content":"<span style=\"font-size: 30pt;\"><strong>Le pr\u00eat conventionn\u00e9 (PC), l'aide au pr\u00eat immobilier pour les investissements locatifs<\/strong><\/span>"}},{"type":"text","props":{"margin":"default","column_breakpoint":"m","text_style":"","text_color":"","text_size":"large","column":"","position":"","position_z_index":"","maxwidth":"","maxwidth_breakpoint":"","block_align":"","block_align_breakpoint":"","block_align_fallback":"","text_align":"","text_align_breakpoint":"","text_align_fallback":"","animation":"","visibility":"","content":"<p style=\"text-align: justify;\">Avec un taux g\u00e9n\u00e9ralement plus \u00e9lev\u00e9, le PC pr\u00e9sente quelques avantages th\u00e9oriques (aucun plafonnement de ressources, \u00a0acc\u00e8s aux APL), mais les cas o\u00f9 il s\u2019applique sont tr\u00e8s rares. En effet, de nombreux emprunteurs int\u00e9ress\u00e9s par les APL auront acc\u00e8s au PAS, plus avantageux.<\/p>\n<p>En revanche, vous pouvez emprunter pour des investissements locatifs avec le PC, \u00e0 l\u2019inverse du PAS.<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>"}}]}]},{"type":"row","props":{"layout":"1-1","breakpoint":"m","fixed_width":"large","column_gap":"","row_gap":"","width":"","width_expand":"","height":"","margin":""},"children":[{"type":"column","props":{"image_position":"center-center","media_overlay_gradient":"","vertical_align":"","style":"","text_color":"","padding":""},"children":[{"type":"headline","props":{"title_element":"h1","title_style":"h2","title_decoration":"","title_font_family":"","title_color":"emphasis","position":"","position_z_index":"","margin":"","maxwidth":"","maxwidth_breakpoint":"","block_align":"","block_align_breakpoint":"","block_align_fallback":"","text_align":"","text_align_breakpoint":"","text_align_fallback":"","animation":"","visibility":"","content":"<span style=\"font-size: 30pt;\"><strong>Le PEL et le CEL : votre assurance contre la remont\u00e9e des taux<\/strong><\/span>"}},{"type":"text","props":{"margin":"default","column_breakpoint":"m","text_style":"","text_color":"","text_size":"large","column":"","position":"","position_z_index":"","maxwidth":"","maxwidth_breakpoint":"","block_align":"","block_align_breakpoint":"","block_align_fallback":"","text_align":"","text_align_breakpoint":"","text_align_fallback":"","animation":"","visibility":"","content":"<p style=\"text-align: justify;\">Le Plan Epargne Logement (PEL) et le Compte Epargne Logement (CEL) sont des dispositifs d\u2019\u00e9pargne encadr\u00e9s par l\u2019\u00e9tat, et accessibles \u00e0 tous. Ils pr\u00e9sentent\u00a0<a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F33923\">quelques diff\u00e9rences<\/a>\u00a0en termes de taux et de conditions de versements.<\/p>\n<p>Le principe : \u00e9pargner pendant plusieurs ann\u00e9es sur un compte bloqu\u00e9 pour pr\u00e9parer le financement d\u2019un bien immobilier.\u00a0Bien s\u00fbr, vous pouvez mobiliser l\u2019\u00e9pargne pour l\u2019apport, mais l\u2019attractivit\u00e9 du\u00a0<a href=\"https:\/\/www.pretto.fr\/prets-aides\/pel-et-cel\/\">PEL et du CEL<\/a>\u00a0r\u00e9side principalement dans l\u2019acc\u00e8s \u00e0 certains droits en cas d\u2019achat immobilier :<\/p>\n<p>Une prime d\u2019Etat<\/p>\n<p>Des taux d\u2019emprunt encadr\u00e9s : ils sont li\u00e9s \u00e0 l\u2019environnement de taux au moment de l\u2019ouverture du PEL ou du CEL et ne seront donc avantageux que si les taux d\u2019int\u00e9r\u00eat ont augment\u00e9 depuis l\u2019ouverture.<\/p>\n<p>Les taux ayant baiss\u00e9 significativement ces derni\u00e8res ann\u00e9es, il n\u2019est pour le moment pas int\u00e9ressant d\u2019utiliser ses droits au pr\u00eat.<\/p>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>","css":".el-element a {\n    color: #1aacd3;\n}"}}]}]},{"type":"row","props":{"layout":"1-1","breakpoint":"m","fixed_width":"large","column_gap":"","row_gap":"","width":"","width_expand":"","height":"","margin":""},"children":[{"type":"column","props":{"image_position":"center-center","media_overlay_gradient":"","vertical_align":"","style":"","text_color":"","padding":""},"children":[{"type":"headline","props":{"title_element":"h1","title_style":"h2","title_decoration":"","title_font_family":"","title_color":"emphasis","position":"","position_z_index":"","margin":"","maxwidth":"","maxwidth_breakpoint":"","block_align":"","block_align_breakpoint":"","block_align_fallback":"","text_align":"","text_align_breakpoint":"","text_align_fallback":"","animation":"","visibility":"","content":"<span style=\"font-size: 30pt;\"><strong>Pr\u00eat familial : faites plaisir \u00e0 Mamie !<\/strong><\/span>"}},{"type":"text","props":{"margin":"default","column_breakpoint":"m","text_style":"","text_color":"","text_size":"large","column":"","position":"","position_z_index":"","maxwidth":"","maxwidth_breakpoint":"","block_align":"","block_align_breakpoint":"","block_align_fallback":"","text_align":"","text_align_breakpoint":"","text_align_fallback":"","animation":"","visibility":"","content":"<p style=\"text-align: justify;\">Il n\u2019est pas rare que des parents ou d\u2019autres membres de la famille veuillent aider leurs proches \u00e0 acheter un bien immobilier. Il est tout \u00e0 fait possible de conclure un pr\u00eat avec eux dans ces conditions. Cependant, il faut absolument \u00e9tablir une reconnaissance de dette ou un contrat de pr\u00eat entre le pr\u00eateur et l\u2019emprunteur. Celle-ci doit mentionner :<\/p>\n<ul>\n<li>La date<\/li>\n<li>Le montant emprunt\u00e9<\/li>\n<li>Les modalit\u00e9s de remboursement<\/li>\n<li style=\"text-align: justify;\">Le taux d'int\u00e9r\u00eat qui peut \u00eatre nul\u00a0<\/li>\n<\/ul>\n<p>Ce pr\u00eat doit aussi \u00eatre\u00a0<a href=\"https:\/\/www.impots.gouv.fr\/portail\/formulaire\/2062\/declaration-de-contrat-de-pret\">d\u00e9clar\u00e9<\/a>\u00a0aux imp\u00f4ts.<\/p>\n<p>Il est possible de conclure ce pr\u00eat devant notaire, ou par un acte sous seing priv\u00e9, avec tout de m\u00eame certaines r\u00e8gles de formalisme.<\/p>","css":".el-element a {\n    color: #1aacd3;\n}"}}]}]},{"type":"row","props":{"layout":"1-1","breakpoint":"m","fixed_width":"large","column_gap":"","row_gap":"","width":"","width_expand":"","height":"","margin":""},"children":[{"type":"column","props":{"image_position":"center-center","media_overlay_gradient":"","vertical_align":"","style":"","text_color":"","padding":""},"children":[]}]}]},{"type":"section","props":{"style":"default","width":"default","vertical_align":"middle","title_position":"top-left","title_rotation":"left","title_breakpoint":"xl","image_position":"center-center","text_color":"","width_expand":"","height":"","padding":"","header_transparent":"","animation":"","image":"images\/plus-info.jpg","title":"","image_size":"cover","image_effect":"","image_parallax_breakpoint":"","image_visibility":"","video_width":"","video_height":"","media_blend_mode":""},"children":[{"type":"row","props":{"layout":"1-1","breakpoint":"m","fixed_width":"large","column_gap":"","row_gap":"","width":"","width_expand":"","height":"","margin":"","margin_remove_top":false,"margin_remove_bottom":false,"match":false,"order_last":false,"divider":false,"class":""},"children":[{"type":"column","props":{"image_position":"center-center","media_overlay_gradient":"","vertical_align":"","style":"","text_color":"","padding":"","css":".el-column\n{\n    display:flex;\n    justify-content:center;\n    align-items:center;\n    flex-wrap:wrap;\n\n}"},"children":[{"type":"headline","props":{"title_element":"h3","title_style":"h3","title_decoration":"","title_font_family":"primary","title_color":"primary","position":"","position_z_index":"","margin":"","maxwidth":"","maxwidth_breakpoint":"","block_align":"","block_align_breakpoint":"","block_align_fallback":"","text_align":"center","text_align_breakpoint":"","text_align_fallback":"","animation":"","visibility":"","content":"Plus <strong>d\u2019informations<\/strong>","css":"","class":"uk-width-auto uk-margin-remove uk-inline"}},{"type":"button","props":{"grid_column_gap":"small","grid_row_gap":"small","margin":"default","button_size":"","position":"","position_z_index":"","maxwidth":"","maxwidth_breakpoint":"","block_align":"center","block_align_breakpoint":"","block_align_fallback":"","text_align":"","text_align_breakpoint":"","text_align_fallback":"","animation":"","visibility":"","class":"uk-width-auto  uk-inline uk-margin-small-top uk-margin-left uk-margin-right uk-margin-small-bottom"},"children":[{"type":"button_item","props":{"button_style":"primary","icon_align":"left","link_target":"","content":"contactez-nous","link":"index.php?Itemid=118"}}]}]}]}],"name":"plus d'informations 2"}],"version":"1.22.2","props":[]} -->