{"id":12000,"date":"2021-04-15T08:06:18","date_gmt":"2021-04-15T08:06:18","guid":{"rendered":"https:\/\/www.gridky.com\/blog\/?p=12000"},"modified":"2021-04-15T08:06:18","modified_gmt":"2021-04-15T08:06:18","slug":"le-ptz-conditions-dacces","status":"publish","type":"post","link":"https:\/\/www.gridky.com\/blog\/le-ptz-conditions-dacces\/","title":{"rendered":"Le PTZ : conditions d&rsquo;acc\u00e8s"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Pour <\/span><b>financer l\u2019acquisition d\u2019un bien<\/b><span style=\"font-weight: 400;\"><strong> immobilier<\/strong>, on conseille souvent de n\u00e9gocier et de faire jouer la concurrence entre les banques afin d\u2019obtenir les taux d\u2019int\u00e9r\u00eat possibles.\u00a0<\/span><span style=\"font-weight: 400;\">En effet, sur le long terme, l\u2019enveloppe correspondant au remboursement des int\u00e9r\u00eats peut peser lourd&#8230;<\/span><span style=\"font-weight: 400;\">Mais saviez-vous qu\u2019en tant que primo-acc\u00e9dant, vous pouviez avoir acc\u00e8s \u00e0 certaines aides de l\u2019Etat, qui visent \u00e0 favoriser l\u2019acc\u00e8s \u00e0 la propri\u00e9t\u00e9 ?\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Le<strong> Pr\u00eat \u00e0 Taux Z\u00e9ro<\/strong> vous permet de financer une partie significative de votre projet sans rembourser aucun int\u00e9r\u00eat sur la somme emprunt\u00e9e. \u00a0<\/span><span style=\"font-weight: 400;\">Int\u00e9ressons-nous aux conditions d\u2019acc\u00e8s \u00e0 ce dispositif.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Le PTZ : d\u00e9finition et m\u00e9canisme<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Le <strong>Pr\u00eat \u00e0 Taux Z\u00e9ro ou PTZ<\/strong> est un pr\u00eat aid\u00e9 par l&rsquo;\u00c9tat, dans le cadre duquel l<\/span><span style=\"font-weight: 400;\">\u2019emprunteur ne rembourse <strong>aucun int\u00e9r\u00eat<\/strong> sur la somme emprunt\u00e9e. \u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tr\u00e8s avantageux pour les foyers aux revenus modestes qui souhaitent acqu\u00e9rir leur r\u00e9sidence principale, il est aussi <strong>c<\/strong><\/span><strong>umulable avec un ou plusieurs autres pr\u00eats.<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Pour y avoir droit, il faut satisfaire certaines conditions :\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Financer une partie de l&rsquo;achat ou de la construction de sa <strong>r\u00e9sidence principale<\/strong><\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">OU l\u2019achat et l&rsquo;am\u00e9lioration d&rsquo;un logement ancien (travaux = 25 % du co\u00fbt total de l&rsquo;op\u00e9ration)\u00a0<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Il ne faut pas avoir \u00e9t\u00e9 propri\u00e9taire de son domicile durant les 2 derni\u00e8res.<\/span><\/li>\n<li aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Localisation du futur logement<\/strong> : en effet le montant du PTZ d\u00e9pendra de la zone dans laquelle il se situe.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"><strong>Conditions de ressources<\/strong> : il ne faut pas d\u00e9passer un montant maximum.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>O\u00f9 et comment obtenir mon Pr\u00eat \u00e0 Taux Z\u00e9ro ?\u00a0<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Le PTZ peut \u00eatre accord\u00e9 par tous les \u00e9tablissements bancaires ayant sign\u00e9 une <strong>convention avec l&rsquo;\u00c9tat<\/strong>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong>Attention !<\/strong> La banque \u00e9valuera tout de m\u00eame votre capacit\u00e9 \u00e0 rembourser l\u2019emprunt et vos garanties avant de vous accorder un PTZ.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Les zones \u00e9ligibles au PTZ<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Le gouvernement a d\u00e9fini <strong>5 zones<\/strong> du territoire, selon le <strong>niveau de tension<\/strong> sur le march\u00e9 du logement. Ce sont ces zones qui conditionnent l\u2019acc\u00e8s au PTZ pour les particuliers.<\/span><\/p>\n<h4><b>Les zones tendues : A bis A et B1<\/b><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Zone A bis : \u00a0l\u00e0 o\u00f9 la demande est la plus importante (Paris et sa banlieue proche).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Zone A : le reste de l\u2019\u00cele-de-France et de grandes m\u00e9tropoles avec une demande forte.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Zone B1 : \u00a0les communes de + de 250K habitants et certains territoires o\u00f9 les prix sont \u00e9lev\u00e9s.<\/span><\/li>\n<\/ul>\n<h4><b>Les zones d\u00e9tendues : B2 et C<\/b><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Zone B2 : les communes de 50K \u00e0 250K habitants.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Zone C : tout le reste du territoire.<\/span><\/li>\n<\/ul>\n<blockquote><p><span style=\"font-weight: 400;\"><strong>Les montants accord\u00e9s dans le cadre du PTZ\u00a0 varient selon la zone de localisation du logement et le nombre de personnes \u00e0 loger.<\/strong> <\/span><\/p><\/blockquote>\n<p><span style=\"font-weight: 400;\">Le montant accord\u00e9 peut aller<strong> jusqu&rsquo;\u00e0 40 % du co\u00fbt total de l&rsquo;op\u00e9ration.<\/strong><\/span><\/p>\n<h3><b>Dans le neuf : <\/b><span style=\"font-weight: 400;\">le<\/span><span style=\"font-weight: 400;\"> PTZ y est accessible jusqu\u2019en fin 2021.\u00a0<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pour les <strong>zones tendues<\/strong>, le montant du PTZ accord\u00e9 peut monter jusqu\u2019\u00e0 40 % du prix d\u2019achat de votre logement.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">En <strong>zone d\u00e9tendue<\/strong>, le montant de l\u2019aide est plafonn\u00e9 \u00e0 20 % du prix d\u2019achat.<\/span><\/li>\n<\/ul>\n<h3><b>Dans l\u2019ancien : <\/b><span style=\"font-weight: 400;\">Le PTZ ne s\u2019y applique que pour les zones d\u00e9tendues (logement situ\u00e9 en zone B2 ou C) et<\/span><span style=\"font-weight: 400;\">\u00a0s\u2019\u00e9l\u00e8vera \u00e0 20 % du prix d\u2019achat au maximum.<\/span><\/h3>\n<h2><span style=\"font-weight: 400;\">Les conditions de ressources<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Le PTZ \u00e9tant destin\u00e9 \u00e0 aider les familles modestes, il est <strong>accord\u00e9 sur conditions de ressources<\/strong>: vos revenus ne doivent pas d\u00e9passer un certain plafond. Ce dernier est variable\u00a0<\/span><span style=\"font-weight: 400;\">selon la composition du foyer et la localisation du futur logement.<\/span><\/p>\n<p><em><span style=\"font-weight: 400;\"><strong>A Noter<\/strong> : Ce sont les revenus fiscaux de l\u2019ann\u00e9e N-2 \u00a0qui seront pris en compte.\u00a0<\/span><\/em><\/p>\n<p>Ci-dessous le tableau des plafonds de ressources disponible sur <a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F10871\">le site du service public<\/a> :<\/p>\n<table class=\"table\" style=\"height: 390px;\" width=\"786\">\n<thead>\n<tr>\n<th colspan=\"1\" rowspan=\"1\" scope=\"col\">Nombre d&rsquo;occupants du logement<\/th>\n<th colspan=\"1\" rowspan=\"1\" scope=\"col\">Zone A bis et A<\/th>\n<th colspan=\"1\" rowspan=\"1\" scope=\"col\">Zone B1<\/th>\n<th colspan=\"1\" rowspan=\"1\" scope=\"col\">Zone B2<\/th>\n<th colspan=\"1\" rowspan=\"1\" scope=\"col\">Zone C<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\" scope=\"row\">1<\/th>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">37\u00a0000\u00a0\u20ac<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">30\u00a0000\u00a0\u20ac<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">27\u00a0000\u00a0\u20ac<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">24\u00a0000\u00a0\u20ac<\/span><\/td>\n<\/tr>\n<tr>\n<th colspan=\"1\" rowspan=\"1\" scope=\"row\">2<\/th>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">51\u00a0800\u00a0\u20ac<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">42\u00a0000\u00a0\u20ac<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">37\u00a0800\u00a0\u20ac<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">33\u00a0600\u00a0\u20ac<\/span><\/td>\n<\/tr>\n<tr>\n<th colspan=\"1\" rowspan=\"1\" scope=\"row\">3<\/th>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">62\u00a0900\u00a0\u20ac<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">51\u00a0000\u00a0\u20ac<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">45\u00a0900\u00a0\u20ac<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">40\u00a0800\u00a0\u20ac<\/span><\/td>\n<\/tr>\n<tr>\n<th colspan=\"1\" rowspan=\"1\" scope=\"row\">4<\/th>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">74\u00a0000\u00a0\u20ac<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">60\u00a0000\u00a0\u20ac<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">54\u00a0000\u00a0\u20ac<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">48\u00a0000\u00a0\u20ac<\/span><\/td>\n<\/tr>\n<tr>\n<th colspan=\"1\" rowspan=\"1\" scope=\"row\">5<\/th>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">85\u00a0100\u00a0\u20ac<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">69\u00a0000\u00a0\u20ac<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">62\u00a0100\u00a0\u20ac<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">55\u00a0200\u00a0\u20ac<\/span><\/td>\n<\/tr>\n<tr>\n<th colspan=\"1\" rowspan=\"1\" scope=\"row\">6<\/th>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">96\u00a0200\u00a0\u20ac<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">78\u00a0000\u00a0\u20ac<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">70\u00a0200\u00a0\u20ac<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">62\u00a0400\u00a0\u20ac<\/span><\/td>\n<\/tr>\n<tr>\n<th colspan=\"1\" rowspan=\"1\" scope=\"row\">7<\/th>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">107\u00a0300\u00a0\u20ac<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">87\u00a0000\u00a0\u20ac<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">78\u00a0300\u00a0\u20ac<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">69\u00a0600\u00a0\u20ac<\/span><\/td>\n<\/tr>\n<tr>\n<th colspan=\"1\" rowspan=\"1\" scope=\"row\">\u00c0 partir de 8<\/th>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">118\u00a0400\u00a0\u20ac<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">96\u00a0000\u00a0\u20ac<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">86\u00a0400\u00a0\u20ac<\/span><\/td>\n<td colspan=\"1\" rowspan=\"1\"><span class=\"prix\">76\u00a0800\u00a0\u20ac<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Par ex pour un couple sans enfant qui souhaite acheter \u00e0 Rennes, il ne faudra pas d\u00e9passer 3500\u20ac de revenus mensuels !<\/span><\/p>\n<p><span style=\"font-weight: 400;\">De plus, la <strong>dur\u00e9e de remboursement<\/strong> du PTZ d\u00e9pend des revenus, du co\u00fbt total de l&rsquo;op\u00e9ration, de la composition familiale et de la zone dans laquelle vous achetez. Ainsi, d<\/span><span style=\"font-weight: 400;\">e fa\u00e7on g\u00e9n\u00e9rale, <strong>plus vos revenus sont \u00e9lev\u00e9s, plus la dur\u00e9e de remboursement du pr\u00eat sera courte.<\/strong><\/span><\/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, qu&rsquo;il s&rsquo;agisse de l&rsquo;achat de votre r\u00e9sidence principale ou d&rsquo;un <a href=\"https:\/\/www.gridky.com\/investissement-locatif\">investissement locatif\u00a0<\/a><\/strong>!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pour financer l\u2019acquisition d\u2019un bien immobilier, on conseille souvent de n\u00e9gocier et de faire jouer la concurrence entre les banques afin d\u2019obtenir les taux d\u2019int\u00e9r\u00eat possibles.\u00a0En effet, sur le long terme, l\u2019enveloppe correspondant au remboursement des int\u00e9r\u00eats peut peser lourd&#8230;Mais saviez-vous qu\u2019en tant que primo-acc\u00e9dant, vous pouviez avoir acc\u00e8s \u00e0 certaines aides de l\u2019Etat, qui&hellip;<\/p>\n","protected":false},"author":8,"featured_media":12002,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[66],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.13 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Le PTZ : conditions d&#039;acc\u00e8s<\/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\/le-ptz-conditions-dacces\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le PTZ : 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