{"id":13692,"date":"2026-03-20T00:00:00","date_gmt":"2026-03-19T23:00:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/actualites\/pret-social-location-accession-des-plafonds-mis-a-jour\/"},"modified":"2026-03-20T00:00:00","modified_gmt":"2026-03-19T23:00:00","slug":"pret-social-location-accession-des-plafonds-mis-a-jour","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/actualites\/pret-social-location-accession-des-plafonds-mis-a-jour\/","title":{"rendered":"Pr\u00eat social location-accession : des plafonds mis \u00e0 jour"},"content":{"rendered":"<p>Le pr\u00eat social location-accession (PSLA) est un dispositif mis en place par l\u2019\u00c9tat pour permettre \u00e0 des m\u00e9nages d\u2019acc\u00e9der \u00e0 la propri\u00e9t\u00e9 de leur r\u00e9sidence principale. Parmi les conditions d\u2019application de ce dispositif, des plafonds de revenus pour les b\u00e9n\u00e9ficiaires, de redevances et de prix de vente sont impos\u00e9s. Des plafonds qui ont \u00e9t\u00e9 mis \u00e0 jour\u2026<\/p>\n<h2>PSLA : quelle mise \u00e0 jour pour 2026 ?<\/h2>\n<p>Afin de permettre \u00e0 des m\u00e9nages de devenir propri\u00e9taires, l\u2019\u00c9tat a mis en place d\u00e8s 1984 le m\u00e9canisme de la location-accession. Comme son nom l\u2019indique, ce dispositif permet \u00e0 un particulier d\u2019acheter un bien apr\u00e8s l\u2019avoir lou\u00e9 pendant une p\u00e9riode donn\u00e9e.<\/p>\n<p>Concr\u00e8tement, le contrat de location-accession sign\u00e9 entre l\u2019occupant et le propri\u00e9taire (qui peut \u00eatre, notamment, un organisme d\u2019habitations \u00e0 loyer mod\u00e9r\u00e9) pr\u00e9voit 2 phases.<\/p>\n<p>La 1re phase correspond \u00e0 la p\u00e9riode de jouissance pendant laquelle l\u2019occupant, appel\u00e9 l\u2019acc\u00e9dant, paie tous les mois une \u00ab redevance \u00bb au propri\u00e9taire qui comprend 2 \u00e9l\u00e9ments :<\/p>\n<ul>\n<li>une partie de cette redevance est vers\u00e9e d\u00e9finitivement au propri\u00e9taire en \u00e9change de la jouissance du logement (c\u2019est la fraction locative) ;<\/li>\n<li>une autre partie, appel\u00e9e fraction acquisitive, sera :\n<ul>\n<li>soit d\u00e9duite du prix d\u2019acquisition du logement si l\u2019acc\u00e9dant d\u00e9cide d\u2019acheter le bien ;<\/li>\n<li>soit restitu\u00e9e, d\u00e9duction faite d\u2019une indemnit\u00e9 destin\u00e9e au propri\u00e9taire, \u00e0 l\u2019acc\u00e9dant si ce dernier ne souhaite pas acheter le bien.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>La 2de phase correspond \u00e0 l\u2019option offerte \u00e0 l\u2019acc\u00e9dant d\u2019acheter ou non son logement.<\/p>\n<p>Le contrat de location-accession peut \u00e9galement prendre la forme d\u2019un pr\u00eat social location-accession (PSLA). Ce dispositif, cr\u00e9\u00e9 en 2004, cible particuli\u00e8rement les m\u00e9nages modestes et a pour objet uniquement l\u2019achat d\u2019une habitation neuve constituant la r\u00e9sidence principale.<\/p>\n<p>Il s\u2019agit d\u2019un pr\u00eat conventionn\u00e9 \u00e0 destination des op\u00e9rateurs (organismes HLM, soci\u00e9t\u00e9s d\u2019\u00e9conomie mixte, promoteurs priv\u00e9s, etc.) permettant de financer la construction ou l\u2019acquisition de logements neufs qui feront l\u2019objet d\u2019un contrat de location-accession.<\/p>\n<p>M\u00eame s\u2019il se d\u00e9roule de la m\u00eame mani\u00e8re qu\u2019un contrat location-accession \u00ab classique \u00bb, le contrat combin\u00e9 au PSLA comporte des r\u00e8gles suppl\u00e9mentaires.<\/p>\n<p>Concr\u00e8tement, les redevances et les prix de vente du bien sont plafonn\u00e9s par le Gouvernement en fonction de la situation g\u00e9ographique du bien. De m\u00eame, seuls les m\u00e9nages respectant des conditions de ressources peuvent b\u00e9n\u00e9ficier de ce dispositif.<\/p>\n<p>Ces \u00e9l\u00e9ments ont ainsi \u00e9t\u00e9 revaloris\u00e9s :<\/p>\n<ul>\n<li><a href=\"https:\/\/www.legifrance.gouv.fr\/loda\/article_lc\/LEGIARTI000053638672\" target=\"_blank\">ici<\/a> pour les redevances par situation g\u00e9ographique ;<\/li>\n<li><a href=\"https:\/\/www.legifrance.gouv.fr\/loda\/article_lc\/LEGIARTI000053638677\/2026-03-19\" target=\"_blank\">ici<\/a> pour les prix de vente fixes ;<\/li>\n<li>et <a href=\"https:\/\/www.legifrance.gouv.fr\/loda\/article_lc\/LEGIARTI000053638682\/2026-03-19\" target=\"_blank\">ici<\/a> pour les revenus plafonds des m\u00e9nages \u00e9ligibles.<\/li>\n<\/ul>\n<p>Pour conna\u00eetre \u00e0 quelle zone appartient un territoire, rendez-vous <a href=\"https:\/\/www.service-public.gouv.fr\/simulateur\/calcul\/zonage-abc\" target=\"_blank\">ici<\/a>.<\/p>\n<p>Notez que ces valeurs sont applicables jusqu\u2019au 31 d\u00e9cembre 2026.<\/p>\n<div>Sources :  <\/p>\n<ul>\n<li><a href=\"https:\/\/www.legifrance.gouv.fr\/jorf\/id\/JORFTEXT000053634975\" target=\"_blank\">Arr\u00eat\u00e9 du 24 f\u00e9vrier 2026 modifiant l&#8217;arr\u00eat\u00e9 du 26 mars 2004 relatif aux conditions d&#8217;application des dispositions de la sous-section 2 bis relative aux pr\u00eats conventionn\u00e9s pour des op\u00e9rations de location-accession \u00e0 la propri\u00e9t\u00e9 immobili\u00e8re<\/a><\/li>\n<\/ul>\n<\/div>\n<p><a href=\"https:\/\/www.weblex.fr\/weblex-actualite\/pret-social-location-accession-des-plafonds-mis-a-jour\" target=\"_blank\">Pr\u00eat social location-accession : des plafonds mis \u00e0 jour <\/a> &#8211; \u00a9 Copyright WebLex<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.weblex.fr\/sites\/default\/files\/actualites\/images\/Shutterstock_pretsociallocation.jpg\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le pr\u00eat social location-accession (PSLA) est un dispositif mis en place par l\u2019\u00c9tat pour permettre \u00e0 des m\u00e9nages d\u2019acc\u00e9der \u00e0 la propri\u00e9t\u00e9 de leur r\u00e9sidence principale. Parmi les conditions d\u2019application de ce dispositif, des plafonds de revenus pour les b\u00e9n\u00e9ficiaires, de redevances et de prix de vente sont impos\u00e9s. Des plafonds qui ont \u00e9t\u00e9 mis \u00e0 jour\u2026<\/p>\n","protected":false},"author":0,"featured_media":13693,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9,7],"tags":[],"class_list":["post-13692","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actu-juridique","category-actualites"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pr\u00eat social location-accession : des plafonds mis \u00e0 jour - Cabinet Magar<\/title>\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.cabinet-magar.fr\/actualites\/pret-social-location-accession-des-plafonds-mis-a-jour\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pr\u00eat social location-accession : des plafonds mis \u00e0 jour - Cabinet Magar\" \/>\n<meta property=\"og:description\" content=\"Le pr\u00eat social location-accession (PSLA) est un dispositif mis en place par l\u2019\u00c9tat pour permettre \u00e0 des m\u00e9nages d\u2019acc\u00e9der \u00e0 la propri\u00e9t\u00e9 de leur r\u00e9sidence principale. 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