{"id":11984,"date":"2021-04-13T08:57:50","date_gmt":"2021-04-13T08:57:50","guid":{"rendered":"https:\/\/www.gridky.com\/blog\/?p=11984"},"modified":"2023-10-02T14:21:28","modified_gmt":"2023-10-02T12:21:28","slug":"utiliser-largent-de-son-pel","status":"publish","type":"post","link":"https:\/\/www.gridky.com\/blog\/utiliser-largent-de-son-pel\/","title":{"rendered":"Utiliser l&rsquo;argent de son PEL"},"content":{"rendered":"<p>Le <strong>Plan Epargne-Logement<\/strong> ou <strong>PEL<\/strong>, cr\u00e9\u00e9 il y&rsquo;a plus de cinquante ans, est le placement pr\u00e9f\u00e9r\u00e9 des fran\u00e7ais qui ont le projet d&rsquo;acqu\u00e9rir un logement. Associ\u00e9 \u00e0 d&rsquo;autres cr\u00e9dits il permet de b\u00e9n\u00e9ficier d&rsquo;un financement solide pour son projet d&rsquo;<strong>achat de r\u00e9sidence principale ou d&rsquo;<a href=\"https:\/\/www.gridky.com\/investissement-locatif\">investissement locatif<\/a><\/strong>. Il repose sur <strong>l&rsquo;effort d&rsquo;\u00e9pargne<\/strong> fourni pendant une p\u00e9riode d\u00e9termin\u00e9e : <strong>les int\u00e9r\u00eats produits viennent ensuite donner droit \u00e0 un pr\u00eat immobilier. <\/strong><\/p>\n<p>Mais dans les faits, il existe des restrictions \u00e0 l&rsquo;utilisation du capital constitu\u00e9. Alors, comment pouvez-vous utiliser l&rsquo;argent d\u00e9tenu sur votre PEL ?<\/p>\n<h2>Caract\u00e9ristiques du PEL<\/h2>\n<p>Le <strong>Plan Epargne Logement<\/strong> est associ\u00e9 \u00e0 plusieurs caract\u00e9ristiques qui lui sont propres :<\/p>\n<ul>\n<li>Une \u00e9pargne bloqu\u00e9e pendant <strong>4 ans<\/strong> avant de pouvoir obtenir un pr\u00eat \u00e0 taux pr\u00e9f\u00e9rentiel,<\/li>\n<li>Un versement minimal de <strong>225 \u20ac<\/strong> \u00e0 l&rsquo;ouverture,<\/li>\n<li>L&rsquo;obligation de mettre en place des <strong>versements r\u00e9guliers de\u00a0540 euros par an minimum<\/strong>, soit 45 \u20ac par mois.<\/li>\n<li>Un <strong>taux d&rsquo;int\u00e9r\u00eat\u00a0de 1%<\/strong> ,<\/li>\n<li>Un pr\u00eat maximal de <strong>92.000 \u20ac\u00a0<\/strong>avec un <strong>taux\u00a0d&rsquo;environ 2,20%<\/strong>,<\/li>\n<li>Une dur\u00e9e maximale de d\u00e9tention\u00a0de <strong>10 ans<\/strong>,<\/li>\n<li>Un montant des d\u00e9p\u00f4ts <strong style=\"font-weight: 800;\">plafonn\u00e9 \u00e0 61.200 \u20ac<\/strong>.<\/li>\n<\/ul>\n<h2 style=\"font-weight: 800;\"><strong style=\"font-weight: 800;\">Retirer de l&rsquo;argent du PEL <\/strong><\/h2>\n<p>En th\u00e9orie, il est toujours possible de faire des <strong style=\"font-weight: 800;\">retraits sur son PEL, mais p<\/strong><strong>as\u00a0sans<\/strong> <strong style=\"font-weight: 800;\">cons\u00e9quences<\/strong>.<\/p>\n<p>L&rsquo;\u00e9l\u00e9ment le plus important \u00e0 prendre en compte avant de vous d\u00e9cider est la date d&rsquo;ouverture de votre PEL;<\/p>\n<blockquote><p>Le<strong style=\"font-weight: 800;\">\u00a0retrait d&rsquo;argent n\u2019aura pas les m\u00eames cons\u00e9quences suivant le moment o\u00f9 vous l&rsquo;effectuez.\u00a0<\/strong><\/p><\/blockquote>\n<p>En effet, le PEL sera <strong>automatiquement cl\u00f4tur\u00e9<\/strong> apr\u00e8s le retrait, mais vos\u00a0droits \u00e0 pr\u00eat varieront suivant la dur\u00e9e de d\u00e9tention du PEL ! Il est donc pr\u00e9f\u00e9rable de le garder ouvert durant <strong>au moins 4 ans<\/strong> sans y toucher.<\/p>\n<ul>\n<li><strong>Retrait avant 4 ans<\/strong> :\u00a0Si le retrait est effectu\u00e9 durant les deux premi\u00e8res ann\u00e9es, <strong style=\"font-weight: 800;\">les int\u00e9r\u00eats vers\u00e9s <\/strong>suivront ceux du CEL (contrat \u00e9pargne logement)et seront donc\u00a0<strong style=\"font-weight: 800;\">moins \u00e9lev\u00e9s. <\/strong>Pour un retrait entre\u00a0<span style=\"font-weight: 800;\">2 et 3 ans, <\/span><span style=\"font-weight: 800;\">le taux d\u2019int\u00e9r\u00eat reste celui du PEL<\/span><span style=\"font-weight: 800;\">, mais vous ne b\u00e9n\u00e9ficierez pas du pr\u00eat \u00e0\u00a0<\/span><span style=\"font-weight: 800;\">taux pr\u00e9f\u00e9rentiel qui y est associ\u00e9. \u00a0Enfin\u00a0<\/span>pour un retrait intervenant entre 3 et 4 ans apr\u00e8s l&rsquo;ouverture,<span style=\"font-weight: 800;\">\u00a0vous b\u00e9n\u00e9ficierez des droits \u00e0 pr\u00eat <\/span>mais la prime de l&rsquo;\u00c9tat sera diminu\u00e9e de moiti\u00e9.<\/li>\n<li><span style=\"font-weight: 800;\">Retrait apr\u00e8s 4 ans :\u00a0<\/span>Si le retrait est effectu\u00e9 apr\u00e8s 4 ans, <span style=\"font-weight: 800;\">aucune p\u00e9nalit\u00e9 ne sera\u00a0appliqu\u00e9e et v<\/span>ous pourrez b\u00e9n\u00e9ficier de <strong>tous les droits \u00e0 pr\u00eat<\/strong> acquis.<\/li>\n<\/ul>\n<h2 style=\"font-weight: 800;\"><strong style=\"font-weight: 800;\">Puis-je effectuer un retrait sans le cl\u00f4turer ?<\/strong><\/h2>\n<p><strong>Un retrait d\u2019argent de votre PEL entra\u00eenera automatiquement sa cl\u00f4ture.<\/strong><\/p>\n<p><strong style=\"font-weight: 800;\">Si vous souhaitez absolument pouvoir r\u00e9aliser des retraits partiels, optez p<\/strong><strong>our un\u00a0CEL,\u00a0<\/strong>plus souple et flexible que le PEL. <strong>Le CEL ne requiert aucune dur\u00e9e minimale ou maximale de d\u00e9tention, et les sommes d\u00e9pos\u00e9es<\/strong> sont couvertes par le <strong>Fonds de Garantie des d\u00e9p\u00f4ts et de r\u00e9solution (FGDR)<\/strong> dans la limite de <strong>100.000 \u20ac<\/strong>.<\/p>\n<p><strong>Quel que soit votre profil, vous pouvez utiliser le <a href=\"https:\/\/www.gridky.com\/comparateur?project=pinel\">comparateur<\/a>\u00a0Gridky<\/strong> afin de <strong>trouver le meilleur bien \u00e9ligible au dispositif chois<\/strong>i, et\u00a0<strong>adapt\u00e9 \u00e0 votre projet<\/strong> !<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le Plan Epargne-Logement ou PEL, cr\u00e9\u00e9 il y&rsquo;a plus de cinquante ans, est le placement pr\u00e9f\u00e9r\u00e9 des fran\u00e7ais qui ont le projet d&rsquo;acqu\u00e9rir un logement. Associ\u00e9 \u00e0 d&rsquo;autres cr\u00e9dits il permet de b\u00e9n\u00e9ficier d&rsquo;un financement solide pour son projet d&rsquo;achat de r\u00e9sidence principale ou d&rsquo;investissement locatif. Il repose sur l&rsquo;effort d&rsquo;\u00e9pargne fourni pendant une p\u00e9riode&hellip;<\/p>\n","protected":false},"author":8,"featured_media":11986,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[60],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.13 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Utiliser l&#039;argent de son PEL - Gridky<\/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.gridky.com\/blog\/utiliser-largent-de-son-pel\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Utiliser l&#039;argent de son PEL - Gridky\" \/>\n<meta property=\"og:description\" content=\"Le Plan Epargne-Logement ou PEL, cr\u00e9\u00e9 il y&rsquo;a plus de cinquante ans, est le placement pr\u00e9f\u00e9r\u00e9 des fran\u00e7ais qui ont le projet d&rsquo;acqu\u00e9rir un logement. Associ\u00e9 \u00e0 d&rsquo;autres cr\u00e9dits il permet de b\u00e9n\u00e9ficier d&rsquo;un financement solide pour son projet d&rsquo;achat de r\u00e9sidence principale ou d&rsquo;investissement locatif. Il repose sur l&rsquo;effort d&rsquo;\u00e9pargne fourni pendant une p\u00e9riode&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.gridky.com\/blog\/utiliser-largent-de-son-pel\/\" \/>\n<meta property=\"og:site_name\" content=\"Gridky blog\" \/>\n<meta property=\"article:published_time\" content=\"2021-04-13T08:57:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-10-02T12:21:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.gridky.com\/blog\/wp-content\/uploads\/2021\/04\/Visuels-10.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1100\" \/>\n\t<meta property=\"og:image:height\" content=\"620\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Coralie\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Coralie\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.gridky.com\/blog\/utiliser-largent-de-son-pel\/\",\"url\":\"https:\/\/www.gridky.com\/blog\/utiliser-largent-de-son-pel\/\",\"name\":\"Utiliser l'argent de son PEL - Gridky\",\"isPartOf\":{\"@id\":\"https:\/\/www.gridky.com\/blog\/#website\"},\"datePublished\":\"2021-04-13T08:57:50+00:00\",\"dateModified\":\"2023-10-02T12:21:28+00:00\",\"author\":{\"@id\":\"https:\/\/www.gridky.com\/blog\/#\/schema\/person\/d7c5a67a810433ce07cba000c3857a36\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.gridky.com\/blog\/utiliser-largent-de-son-pel\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.gridky.com\/blog\/utiliser-largent-de-son-pel\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.gridky.com\/blog\/utiliser-largent-de-son-pel\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.gridky.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Utiliser l&rsquo;argent de son PEL\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.gridky.com\/blog\/#website\",\"url\":\"https:\/\/www.gridky.com\/blog\/\",\"name\":\"Gridky blog\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.gridky.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.gridky.com\/blog\/#\/schema\/person\/d7c5a67a810433ce07cba000c3857a36\",\"name\":\"Coralie\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.gridky.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/e8b800670471ba6f23ba45bd8806c96d?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/e8b800670471ba6f23ba45bd8806c96d?s=96&d=mm&r=g\",\"caption\":\"Coralie\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Utiliser l'argent de son PEL - Gridky","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.gridky.com\/blog\/utiliser-largent-de-son-pel\/","og_locale":"fr_FR","og_type":"article","og_title":"Utiliser l'argent de son PEL - Gridky","og_description":"Le Plan Epargne-Logement ou PEL, cr\u00e9\u00e9 il y&rsquo;a plus de cinquante ans, est le placement pr\u00e9f\u00e9r\u00e9 des fran\u00e7ais qui ont le projet d&rsquo;acqu\u00e9rir un logement. 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