{"id":9069,"date":"2023-11-07T00:00:00","date_gmt":"2023-11-06T23:00:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/actualites\/pret-a-taux-zero-ptz-ca-bouge-en-2024\/"},"modified":"2023-11-07T00:00:00","modified_gmt":"2023-11-06T23:00:00","slug":"pret-a-taux-zero-ptz-ca-bouge-en-2024","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/actualites\/pret-a-taux-zero-ptz-ca-bouge-en-2024\/","title":{"rendered":"Pr\u00eat \u00e0 taux z\u00e9ro (PTZ) : \u00e7a bouge en 2024 !"},"content":{"rendered":"<p>Le pr\u00eat \u00e0 taux z\u00e9ro (PTZ) est un dispositif cr\u00e9\u00e9 en 1995 destin\u00e9 \u00e0 soutenir les primo-acc\u00e9dants, sous conditions de ressources. Mais parce que le fonctionnement actuel de ce dispositif pose quelques difficult\u00e9s, le Gouvernement a d\u00e9cid\u00e9 de l\u2019am\u00e9nager. De quelle fa\u00e7on ?<\/p>\n<h2>Pr\u00eat \u00e0 taux z\u00e9ro (PTZ) : plus de foyers \u00e9ligibles !<\/h2>\n<p>Le pr\u00eat \u00e0 taux z\u00e9ro (PTZ), propos\u00e9 par les \u00e9tablissements bancaires, est octroy\u00e9 aux particuliers qui souhaitent acheter une r\u00e9sidence principale (en primo-accession) et dont les ressources ne d\u00e9passent pas certains plafonds, qui varient selon le lieu de situation et la nature du logement et selon le nombre de personnes qui doivent l\u2019occuper.<\/p>\n<p>Le montant du pr\u00eat accord\u00e9 dans ce cadre ne couvre qu\u2019une partie du co\u00fbt total de l\u2019achat fix\u00e9e \u00e0 40 % du co\u00fbt de l\u2019op\u00e9ration (10 % pour les locataires de logement social souhaitant acheter leur logement).<\/p>\n<p>Partant du constat que le fonctionnement actuel du PTZ pose probl\u00e8me, notamment parce que le bar\u00e8me de ressources applicable n\u2019a pas \u00e9t\u00e9 revu depuis 2016, le Gouvernement souhaite refondre ce dispositif.<\/p>\n<p>Dans ce cadre, il vient d\u2019annoncer :<\/p>\n<ul>\n<li>la prolongation du PTZ jusqu\u2019en 2027 ;<\/li>\n<li>le recentrage du dispositif sur les achats de logement neuf collectif en zone tendue ou de logement ancien avec travaux en zone d\u00e9tendue, ce qui implique, notamment, de transf\u00e9rer 209 communes en zones tendues ;<\/li>\n<li>le rehaussement des plafonds de revenus des deux premi\u00e8res tranches ;<\/li>\n<li>l\u2019augmentation de la quotit\u00e9 du projet finan\u00e7able par le PTZ \u00e0 50 % au lieu de 40 %, et \u00e0 20 % au lieu de 10 % pour les locataires de logement social souhaitant acheter leur logement ;<\/li>\n<li>la cr\u00e9ation d\u2019une 4e tranche de revenus, pour ouvrir le PTZ aux m\u00e9nages qui n\u2019y sont pas actuellement \u00e9ligible.<\/li>\n<\/ul>\n<p>Reste \u00e0 savoir si ces annonces seront suivies d\u2019effets. Affaire \u00e0 suivre\u2026<\/p>\n<div>Sources :  <\/p>\n<ul>\n<li><a href=\"https:\/\/presse.economie.gouv.fr\/1810203-pour-mieux-accompagner-les-primo-accedants-le-gouvernement-refonde-le-pret-a-taux-zero-pour-6-millions-de-foyers-eligibles-supplementaires\/\" rel=\"noopener\" target=\"_blank\">Communiqu\u00e9 de presse du minist\u00e8re de l\u2019\u00e9conomie, des finances et de la souverainet\u00e9 industrielle et num\u00e9rique du 18 octobre 2023, no 1240 : \u00ab Pour mieux accompagner les primo-acc\u00e9dants, le Gouvernement refonde le pr\u00eat \u00e0 taux z\u00e9ro pour 6 millions de foyers \u00e9ligibles suppl\u00e9mentaires \u00bb<\/a><\/li>\n<\/ul>\n<\/div>\n<p><a href=\"https:\/\/www.weblex.fr\/weblex-actualite\/pret-a-taux-zero-ptz-ca-bouge-en-2024\" target=\"_blank\" rel=\"noopener\">Pr\u00eat \u00e0 taux z\u00e9ro (PTZ) : \u00e7a bouge en 2024 !<\/a> &#8211; \u00a9 Copyright WebLex<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.weblex.fr\/sites\/default\/files\/actualites\/images\/ptz2024.jpg\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le pr\u00eat \u00e0 taux z\u00e9ro (PTZ) est un dispositif cr\u00e9\u00e9 en 1995 destin\u00e9 \u00e0 soutenir les primo-acc\u00e9dants, sous conditions de ressources. Mais parce que le fonctionnement actuel de ce dispositif pose quelques difficult\u00e9s, le Gouvernement a d\u00e9cid\u00e9 de l\u2019am\u00e9nager. De quelle fa\u00e7on ?<\/p>\n","protected":false},"author":0,"featured_media":9070,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7,10],"tags":[],"class_list":["post-9069","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-le-coin-du-dirigeant"],"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 \u00e0 taux z\u00e9ro (PTZ) : \u00e7a bouge en 2024 ! - 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-a-taux-zero-ptz-ca-bouge-en-2024\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pr\u00eat \u00e0 taux z\u00e9ro (PTZ) : \u00e7a bouge en 2024 ! - Cabinet Magar\" \/>\n<meta property=\"og:description\" content=\"Le pr\u00eat \u00e0 taux z\u00e9ro (PTZ) est un dispositif cr\u00e9\u00e9 en 1995 destin\u00e9 \u00e0 soutenir les primo-acc\u00e9dants, sous conditions de ressources. 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