{"id":1881,"date":"2019-09-28T16:50:59","date_gmt":"2019-09-28T14:50:59","guid":{"rendered":"https:\/\/myoceane.fr\/?p=1881"},"modified":"2020-05-03T12:12:39","modified_gmt":"2020-05-03T10:12:39","slug":"%e8%b2%b7%e6%88%bf-%e6%b3%95%e5%9c%8b%e9%9b%b6%e6%81%af%e8%b2%b8%e6%ac%be-ptz","status":"publish","type":"post","link":"https:\/\/myoceane.fr\/index.php\/%e8%b2%b7%e6%88%bf-%e6%b3%95%e5%9c%8b%e9%9b%b6%e6%81%af%e8%b2%b8%e6%ac%be-ptz\/","title":{"rendered":"[\u8cb7\u623f] \u6cd5\u570b\u96f6\u606f\u8cb8\u6b3e PTZ+"},"content":{"rendered":"<div id=\"fb-root\"><\/div>\n\n<p style=\"text-align: justify;\">\u5728\u6cd5\u570b\u8cfc\u5c4b\u6216\u662f\u5728\u570b\u5916\u8cfc\u5c4b\u61c9\u8a72\u662f\u5f88\u591a\u4eba\u7684\u5922\u60f3\uff0c\u5728\u9577\u6642\u9593\u6253\u62fc\u7684\u5730\u65b9\u8cb7\u4e00\u500b\u623f\u5b50\uff0c\u61c9\u8a72\u624d\u6703\u6bd4\u8f03\u6709\u6b78\u5c6c\u611f\u4e5f\u6bd4\u8f03\u6709\u5b89\u5b9a\u7684\u611f\u89ba\u5427\uff01\u5728\u6cd5\u570b\u8cfc\u5c4b\u7a76\u7adf\u6709\u4ec0\u9ebc\u6a23\u7684\u653f\u7b56\u5e6b\u52a9\u5462\uff1f\u4eca\u5929\u6ab8\u6aac\u7238\u60f3\u8981\u91dd\u5c0d\u6cd5\u570b\u7684\u96f6\u606f\u8cb8\u6b3e PTZ+ \u505a\u4e00\u500b\u7c21\u55ae\u7684\u4ecb\u7d39\uff0c\u7c21\u55ae\u5730\u8aaa\uff0cPTZ \u5c31\u662f Le pr\u00eat financ\u00e9 par l\u2019Etat pour les primo-acc\u00e9dants \u653f\u5e9c\u7d66\u9996\u6b21\u8cfc\u5c4b\u8005\u7684\u8ca1\u52d9\u652f\u6301\u3002<\/p>\n\n\n\n<p style=\"text-align: justify;\">\u9996\u5148\u6211\u5011\u4f86\u6b63\u540d\u4e00\u4e0b\uff0c\u6240\u8b02\u7684 PTZ+ \u5168\u540d\u662f Pr\u00eat \u00e0 taux z\u00e9ro\uff0c\u9019\u4e00\u500b\u653f\u5e9c\u63a8\u51fa\u7684\u653f\u7b56\uff0c\u60f3\u8981\u8a73\u7d30\u4e86\u89e3\u7684\u670b\u53cb\u53ef\u4ee5\u53c3\u8003\u4ee5\u4e0b\u7684\u6cd5\u6587\u7db2\u5740\uff1a<\/p>\n\n\n\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link\" href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F10871\">PTZ \u5b98\u65b9\u7db2\u5740<\/a><\/div>\n\n\n\n<h5>Pour qui? \u8ab0\u6709\u8cc7\u683c\u8acb\u9818\uff1f<\/h5>\n<p style=\"text-align: justify;\">Pour \u00eatre \u00e9ligible &#8211; sous conditions de ressources &#8211; au PTZ et obtenir une aide de l&#8217;Etat pour acqu\u00e9rir un logement, vous devez \u00eatre primo-acc\u00e9dant ou ne pas avoir \u00e9t\u00e9 propri\u00e9taire de votre r\u00e9sidence principale au cours de deux derni\u00e8re ann\u00e9es.<\/p>\n<p style=\"text-align: justify;\">\u64c1\u6709\u96f6\u606f\u8cb8\u6b3e\u7684\u8cc7\u683c\u4e5f\u662f\u5f9e\u653f\u5e9c\u65b9\u9762\u7372\u53d6\u5354\u52a9\u8cfc\u5165\u5c45\u4f4f\u5c4b\u7684\u9019\u500b\u8cc7\u683c\uff0c\u4f60\u5fc5\u9808\u662f\u9996\u6b21\u8cfc\u5c4b\u8005\u6216\u662f\u4e0d\u80fd\u662f\u5728\u904e\u53bb\u5169\u5e74\u5167\u64d4\u4efb\u623f\u6771\u51fa\u79df\u81ea\u5df1\u7684\u4e3b\u8981\u5c45\u4f4f\u5730\u3002<\/p>\n<p><strong>Bon \u00e0 savoir \u503c\u5f97\u4e86\u89e3\u7684\u8cc7\u8a0a<\/strong><\/p>\n<p>Un PTZ peut vous aider \u00e0 acheter un logement neuf mais aussi ancien avec des travaux.<\/p>\n<p>\u653f\u5e9c\u7684\u96f6\u606f\u8cb8\u6b3e\u53ef\u4ee5\u5354\u52a9\u4f60\u8cb7\u4e00\u500b\u5168\u65b0\u7684\u623f\u5b50\u4e5f\u53ef\u4ee5\u662f\u4e00\u500b\u4e8c\u624b\u5c4b\u4f46\u662f\u5fc5\u9808\u4f34\u96a8\u7ffb\u4fee\u5de5\u7a0b\u3002<\/p>\n\n\n\n<h5>Quel taux? \u5229\u7387\u662f\u591a\u5c11\uff1f<\/h5>\n<p style=\"text-align: justify;\">Comme son nom l&#8217;indique, le PTZ affiche un taux de 0% ! Ce pr\u00eat \u00e0 taux pr\u00e9f\u00e9rentiel ne peut toutefois financer qu&#8217;un partie du logement dont vous faites l&#8217;acquisition. Il faut donc le compl\u00e9ter (pr\u00eats compl\u00e9mentaires, apport personnel, etc).<\/p>\n<p>\u5982\u540c\u96f6\u606f\u8cb8\u6b3e\u7684\u540d\u5b57\u6240\u793a\uff0c\u9019\u500b\u8cb8\u6b3e\u5c31\u662f\u96f6\u5229\u7387\uff0c\u4f46\u662f\u503c\u5f97\u6ce8\u610f\u7684\u662f PTZ \u53ea\u80fd\u5920\u5728\u8ca1\u52d9\u4e0a\u652f\u6301\u4f60\u8cfc\u5c4b\u8a08\u756b\u7684\u4e00\u90e8\u5206\u57fa\u91d1\uff0c\u5176\u9918\u7684\u90e8\u5206\u5fc5\u9808\u7531\u81ea\u4ed8\u6b3e\u6216\u662f\u5176\u4ed6\u7684\u65b9\u5f0f\u8655\u7406\u3002<\/p>\n\n\n\n<h5>Quelle dur\u00e9e? \u8cb8\u6b3e\u6642\u9593\uff1f<\/h5>\n<p>Ce sont vos revenus, la composition de votre m\u00e9nage et la localisation de votre logement qui conditionnent la dur\u00e9e de remboursement du PTZ (de 20 \u00e0 25 ans). Plus vos revenus sont bas, plus cette dur\u00e9e s&#8217;allonge.<\/p>\n<p>\u8cb8\u6b3e\u6642\u9593\u4e3b\u8981\u53d6\u6c7a\u65bc\u4f60\u7684\u6536\u5165\uff0c\u60a8\u7684\u5bb6\u5ead\u7d44\u6210\u8207\u623f\u5c4b\u7684\u5730\u9ede\uff0c\u96f6\u606f\u8cb8\u6b3e\u7684\u6642\u9593\u5f9e 20 &#8211; 25 \u4e4b\u9593\uff0c\u4f60\u7684\u6536\u5165\u8d8a\u4f4e\uff0c\u8cb8\u6b3e\u7684\u6642\u9593\u5c31\u6703\u8d8a\u9577\u3002<\/p>\n<p><strong>Bon \u00e0 savoir \u503c\u5f97\u6ce8\u610f<\/strong><\/p>\n<p>La p\u00e9riode de remboursement de pr\u00eat (entre 10 et 15 ans) fait suite \u00e0 la p\u00e9riode de diff\u00e9r\u00e9 (5, 10 ou 15 ans selon vos revenus) pendant laquelle vous ne rembourserez rien.<\/p>\n<p>\u53d6\u6c7a\u65bc\u4f60\u7684\u6536\u5165\uff0c\u4e00\u958b\u59cb 5, 10, 15 \u5e74\u60a8\u4e0d\u9700\u8981\u9084\u4efb\u4f55\u7684\u9322\uff0c\u4e4b\u5f8c\u6709 (10-15 \u5e74) \u7684\u9084\u6b3e\u671f\u3002&nbsp;<\/p>\n\n\n\n<h5>Quel montant? \u501f\u6b3e\u984d\u5ea6<\/h5>\n<p>Limit\u00e9 \u00e0 40% du co\u00fbt total de l&#8217;acquisition (taxes comprises), le montant maximum du PTZ varie selon la localisation du logement (zones A, B1, B2 ou C) et le nombre d&#8217;occupants. C&#8217;est \u00e9galement en fonction de ces deux crit\u00e8res que sera calcul\u00e9 le co\u00fbt maximal de l&#8217;op\u00e9ration pouvant \u00eatre financ\u00e9s.<\/p>\n<p>\u501f\u6b3e\u984d\u5ea6\u53ef\u4ee5\u5230\u6240\u6709\u82b1\u8cbb(\u542b\u7a05)\u768440%\uff0c\u6700\u9ad8\u501f\u6b3e\u984d\u5ea6\u6839\u64da\u623f\u5c4b\u5730\u9ede\u8207\u5bb6\u5ead\u6210\u54e1\u7d44\u6210\u800c\u5b9a\u3002<\/p>\n<p><strong>Quelles conditions de ressources? \u53d6\u5f97\u8cb8\u6b3e\u8cc7\u6e90\u7684\u689d\u4ef6<\/strong><\/p>\n<p>Vos revenus ne doivent pas d\u00e9passer un certain seuil. Celui-ci est toutefois pond\u00e9r\u00e9 en fonction de la localisation du logement et du nombre d&#8217;occupants.<\/p>\n<p>\u60a8\u7684\u6536\u5165\u4e0d\u80fd\u5920\u8d85\u904e\u4e00\u500b\u9580\u6abb\uff0c\u9019\u500b\u9580\u6abb\u4e5f\u8ddf\u8cfc\u5c4b\u5730\u9ede\u8207\u5bb6\u5ead\u6210\u54e1\u4eba\u6578\u6709\u95dc\u3002<\/p>\n\n\n\n<h5>Simulation \u8a66\u7b97<\/h5>\n<p>\u6839\u64da\u653f\u5e9c\u7684\u653f\u7b56\uff0c\u5e02\u9762\u4e0a\u6709\u5f88\u591a\u8a66\u7b97\u5668\uff0c\u4ee5\u4e0b\u7684\u8a66\u7b97\u6211\u5011\u4ee5\u4ee5\u4e0b\u7db2\u7ad9\u70ba\u4f8b\uff1a<\/p>\n\n\n\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link\" href=\"https:\/\/www.pretatauxzeroplus.com\/calcul-simulation\/\">PTZ+ \u8a66\u7b97\u7bc4\u4f8b\u7db2\u7ad9<\/a><\/div>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"330\" src=\"https:\/\/myoceane.fr\/wp-content\/uploads\/2019\/09\/\u87a2\u5e55\u5feb\u7167-2019-09-28-\u4e0b\u53484.43.07-1024x330.png\" alt=\"\" class=\"wp-image-1896\" srcset=\"https:\/\/myoceane.fr\/wp-content\/uploads\/2019\/09\/\u87a2\u5e55\u5feb\u7167-2019-09-28-\u4e0b\u53484.43.07-1024x330.png 1024w, https:\/\/myoceane.fr\/wp-content\/uploads\/2019\/09\/\u87a2\u5e55\u5feb\u7167-2019-09-28-\u4e0b\u53484.43.07-300x97.png 300w, https:\/\/myoceane.fr\/wp-content\/uploads\/2019\/09\/\u87a2\u5e55\u5feb\u7167-2019-09-28-\u4e0b\u53484.43.07-768x248.png 768w, https:\/\/myoceane.fr\/wp-content\/uploads\/2019\/09\/\u87a2\u5e55\u5feb\u7167-2019-09-28-\u4e0b\u53484.43.07.png 1644w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"749\" src=\"https:\/\/myoceane.fr\/wp-content\/uploads\/2019\/09\/\u87a2\u5e55\u5feb\u7167-2019-09-28-\u4e0b\u53484.43.17-1024x749.png\" alt=\"\" class=\"wp-image-1897\" srcset=\"https:\/\/myoceane.fr\/wp-content\/uploads\/2019\/09\/\u87a2\u5e55\u5feb\u7167-2019-09-28-\u4e0b\u53484.43.17-1024x749.png 1024w, https:\/\/myoceane.fr\/wp-content\/uploads\/2019\/09\/\u87a2\u5e55\u5feb\u7167-2019-09-28-\u4e0b\u53484.43.17-300x220.png 300w, https:\/\/myoceane.fr\/wp-content\/uploads\/2019\/09\/\u87a2\u5e55\u5feb\u7167-2019-09-28-\u4e0b\u53484.43.17-768x562.png 768w, https:\/\/myoceane.fr\/wp-content\/uploads\/2019\/09\/\u87a2\u5e55\u5feb\u7167-2019-09-28-\u4e0b\u53484.43.17.png 1640w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"766\" src=\"https:\/\/myoceane.fr\/wp-content\/uploads\/2019\/09\/\u87a2\u5e55\u5feb\u7167-2019-09-28-\u4e0b\u53484.43.29-1024x766.png\" alt=\"\" class=\"wp-image-1898\" srcset=\"https:\/\/myoceane.fr\/wp-content\/uploads\/2019\/09\/\u87a2\u5e55\u5feb\u7167-2019-09-28-\u4e0b\u53484.43.29-1024x766.png 1024w, https:\/\/myoceane.fr\/wp-content\/uploads\/2019\/09\/\u87a2\u5e55\u5feb\u7167-2019-09-28-\u4e0b\u53484.43.29-300x224.png 300w, https:\/\/myoceane.fr\/wp-content\/uploads\/2019\/09\/\u87a2\u5e55\u5feb\u7167-2019-09-28-\u4e0b\u53484.43.29-768x574.png 768w, https:\/\/myoceane.fr\/wp-content\/uploads\/2019\/09\/\u87a2\u5e55\u5feb\u7167-2019-09-28-\u4e0b\u53484.43.29-600x450.png 600w, https:\/\/myoceane.fr\/wp-content\/uploads\/2019\/09\/\u87a2\u5e55\u5feb\u7167-2019-09-28-\u4e0b\u53484.43.29.png 1650w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u7e3d\u7d50\u5728\u586b\u5165\u4ee5\u4e0b\u8cc7\u8a0a\u4e4b\u5f8c\uff1a<\/p>\n<ol>\n<li>\u5bb6\u5ead\u6210\u54e1\uff1a3 \u4eba<\/li>\n<li>\u5bb6\u5ead\u5e74\u6536\u5165\uff1a40000 \u6b50\u5143<\/li>\n<li>\u65b0\u623f\u5c4b<\/li>\n<li>\u8cfc\u5c4b\u5730\u9ede\uff1aFontenay-Sous-Bois (94120)<\/li>\n<li>\u8cfc\u5c4b\u7e3d\u91d1\u984d\uff1a350000 \u6b50\u5143<\/li>\n<li>\u81ea\u5099\u6b3e\uff1a40000 \u6b50\u5143<\/li>\n<\/ol>\n<p>\u53ef\u4ee5\u53d6\u5f97\u8a66\u7b97\u7d50\u679c\u5982\u4e0b\uff1a<\/p>\n<ol>\n<li>\u6700\u9ad8\u96f6\u606f\u8cb8\u6b3e\u984d\u5ea6 102000 \u6b50\u5143<\/li>\n<li>\u524d 10 \u5e74\u4e0d\u9700\u9084\u6b3e<\/li>\n<li>\u5f8c 12 \u5e74\u6708\u7e73 708 \u6b50\u5143<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>\u5728\u6cd5\u570b\u8cfc\u5c4b\u6216\u662f\u5728\u570b\u5916\u8cfc\u5c4b\u61c9\u8a72\u662f\u5f88\u591a\u4eba\u7684\u5922\u60f3\uff0c\u5728\u9577\u6642\u9593\u6253\u62fc\u7684\u5730\u65b9\u8cb7\u4e00\u500b\u623f\u5b50\uff0c\u61c9\u8a72\u624d\u6703\u6bd4\u8f03\u6709\u6b78\u5c6c\u611f\u4e5f\u6bd4\u8f03\u6709\u5b89\u5b9a\u7684\u611f\u89ba\u5427\uff01\u5728\u6cd5\u570b\u8cfc\u5c4b\u7a76\u7adf\u6709\u4ec0\u9ebc\u6a23\u7684\u653f\u7b56\u5e6b\u52a9\u5462\uff1f\u4eca\u5929\u6ab8\u6aac\u7238\u60f3\u8981\u91dd\u5c0d\u6cd5\u570b\u7684\u96f6\u606f\u8cb8\u6b3e PTZ+ \u505a\u4e00\u500b\u7c21\u55ae\u7684\u4ecb\u7d39\uff0c\u7c21\u55ae\u5730\u8aaa\uff0cPTZ \u5c31\u662f Le pr\u00eat financ\u00e9 par l\u2019Etat pour les primo-acc\u00e9dants 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