{"id":7084,"date":"2022-11-30T05:45:00","date_gmt":"2022-11-30T04:45:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/actualites\/acces-a-la-propriete-en-outre-mer-des-precisions-sur-lintervention-des-fonds-de-garantie\/"},"modified":"2022-11-30T05:45:00","modified_gmt":"2022-11-30T04:45:00","slug":"acces-a-la-propriete-en-outre-mer-des-precisions-sur-lintervention-des-fonds-de-garantie","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/actualites\/acces-a-la-propriete-en-outre-mer-des-precisions-sur-lintervention-des-fonds-de-garantie\/","title":{"rendered":"Acc\u00e8s \u00e0 la propri\u00e9t\u00e9 en Outre-mer : des pr\u00e9cisions sur l\u2019intervention des fonds de garantie"},"content":{"rendered":"<p >Pour faciliter l\u2019acc\u00e8s \u00e0 la propri\u00e9t\u00e9 en Guadeloupe, en Guyane, en Martinique, \u00e0 La R\u00e9union et \u00e0 Mayotte, il existe un fonds de garantie propre \u00e0 chaque territoire qui permet, sous condition, de garantir les pr\u00eats accord\u00e9s par les \u00e9tablissements de cr\u00e9dit. Quelles sont les conditions \u00e0 remplir pour en b\u00e9n\u00e9ficier ?<\/p>\n<div>\n<h2>Acc\u00e8s \u00e0 la propri\u00e9t\u00e9 en Outre-Mer : quelles sont les conditions d\u2019acc\u00e8s aux fonds de garantie ?<\/h2>\n<p>Pour rappel, dans le cadre de la politique d&#8217;aide au logement, la loi de finances pour 2022 a institu\u00e9 des fonds de garantie \u00e0 l&#8217;habitat social en Guadeloupe, en Guyane, en Martinique, \u00e0 La R\u00e9union et \u00e0 Mayotte.<\/p>\n<p>L&#8217;objet de ces fonds est de garantir les pr\u00eats accord\u00e9s par les \u00e9tablissements de cr\u00e9dit en cas de d\u00e9faillance des emprunteurs. Concr\u00e8tement, cette garantie profite aux \u00e9tablissements de cr\u00e9dit qui ont pass\u00e9 une convention avec l&#8217;\u00c9tat, pour les pr\u00eats consentis destin\u00e9s \u00e0 l&#8217;accession sociale et tr\u00e8s sociale \u00e0 la propri\u00e9t\u00e9.<\/p>\n<p>Les conditions d\u2019\u00e9ligibilit\u00e9 \u00e0 ces fonds de garantie viennent de faire l\u2019objet de pr\u00e9cisions, applicables \u00e0 partir du 1er janvier 2023.<\/p>\n<p>Tout d\u2019abord, il est pr\u00e9vu que cette garantie peut \u00eatre accord\u00e9e pour les pr\u00eats consentis aux particuliers b\u00e9n\u00e9ficiaires :<\/p>\n<ul>\n<li>d&#8217;une des aides de l\u2019\u00c9tat \u00e0 l&#8217;accession sociale et tr\u00e8s sociale \u00e0 la propri\u00e9t\u00e9 ;<\/li>\n<li>d&#8217;une aide \u00e0 l&#8217;accession sociale et tr\u00e8s sociale \u00e0 la propri\u00e9t\u00e9 accord\u00e9e par les collectivit\u00e9s d\u2019Outre-mer, les caisses d&#8217;allocations familiales ou tout autre organisme finan\u00e7ant les fonds de garantie.<\/li>\n<\/ul>\n<p>Ensuite, les pr\u00eats en question doivent servir \u00e0 financer des op\u00e9rations de construction, d&#8217;acquisition ou d&#8217;am\u00e9lioration pour lesquelles le propri\u00e9taire, l\u2019usufruitier, le titulaire d\u2019un droit r\u00e9el occupant personnellement le logement, la personne qui assume la charge des travaux dans un logement occup\u00e9 par un proche ou l\u2019acc\u00e9dant \u00e0 la propri\u00e9t\u00e9 ou \u00e0 l\u2019usufruit a b\u00e9n\u00e9fici\u00e9 d\u2019une aide \u00e0 l\u2019accession sociale et tr\u00e8s sociale \u00e0 la propri\u00e9t\u00e9.<\/p>\n<p>Attention, la garantie ne pourra pas \u00eatre accord\u00e9e pour les pr\u00eats consentis :<\/p>\n<ul>\n<li>\u00e0 des particuliers qui atteindront l\u2019\u00e2ge de 85 ans au terme de l\u2019amortissement th\u00e9orique du pr\u00eat ;<\/li>\n<li>\u00e0 des personnes fich\u00e9es \u00ab Banque de France \u00bb.<\/li>\n<\/ul>\n<p>Enfin, il est pr\u00e9cis\u00e9 que le b\u00e9n\u00e9fice de la garantie peut \u00eatre conditionn\u00e9e au versement pr\u00e9alable d&#8217;une contribution additionnelle au fonds de garantie par le b\u00e9n\u00e9ficiaire. Les conditions de ce versement seront fix\u00e9es par un arr\u00eat\u00e9 du repr\u00e9sentant de l\u2019\u00c9tat dans la collectivit\u00e9.<\/p>\n<p><span style=\"text-decoration: underline;\">Source<\/span> : D\u00e9cret n\u00b0 2022-1450 du 22 novembre 2022 relatif aux fonds de garantie \u00e0 l&#8217;habitat social en Guadeloupe, en Guyane, en Martinique, \u00e0 La R\u00e9union et \u00e0 Mayotte<\/p>\n<p><a title=\"Acc\u00e8s \u00e0 la propri\u00e9t\u00e9 en Outre-mer : des pr\u00e9cisions sur l\u2019intervention des fonds de garantie\" href=\"https:\/\/www.weblex.fr\/weblex-actualite\/acces-a-la-propriete-en-outre-mer-des-precisions-sur-lintervention-des-fonds-de-garantie\" rel=\"nofollow noopener\" target=\"_blank\">Acc\u00e8s \u00e0 la propri\u00e9t\u00e9 en Outre-mer : des pr\u00e9cisions sur l\u2019intervention des fonds de garantie<\/a> \u00a9 Copyright WebLex &#8211; 2022<\/p>\n<\/div>\n<p><img src='https:\/\/www.weblex.fr\/images\/flux_actus\/guadeloupe1.jpg'><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pour faciliter l\u2019acc\u00e8s \u00e0 la propri\u00e9t\u00e9 en Guadeloupe, en Guyane, en Martinique, \u00e0 La R\u00e9union et \u00e0 Mayotte, il existe un fonds de garantie propre \u00e0 chaque territoire qui permet, sous condition, de garantir les pr\u00eats accord\u00e9s par les \u00e9tablissements de cr\u00e9dit. Quelles sont les conditions \u00e0 remplir pour en b\u00e9n\u00e9ficier ?<\/p>\n","protected":false},"author":0,"featured_media":7085,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9,7],"tags":[],"class_list":["post-7084","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>Acc\u00e8s \u00e0 la propri\u00e9t\u00e9 en Outre-mer : des pr\u00e9cisions sur l\u2019intervention des fonds de garantie - 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\/acces-a-la-propriete-en-outre-mer-des-precisions-sur-lintervention-des-fonds-de-garantie\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Acc\u00e8s \u00e0 la propri\u00e9t\u00e9 en Outre-mer : des pr\u00e9cisions sur l\u2019intervention des fonds de garantie - Cabinet Magar\" \/>\n<meta property=\"og:description\" content=\"Pour faciliter l\u2019acc\u00e8s \u00e0 la propri\u00e9t\u00e9 en Guadeloupe, en Guyane, en Martinique, \u00e0 La R\u00e9union et \u00e0 Mayotte, il existe un fonds de garantie propre \u00e0 chaque territoire qui permet, sous condition, de garantir les pr\u00eats accord\u00e9s par les \u00e9tablissements de cr\u00e9dit. 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