Works loan

Do you want to renovate your home? Insulate or expand your home? The work loan will allow you to easily carry out all your work. Learn more

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The loan works in United States

The work loan, or work loan, is a type of consumer credit (article L311-1 4 ° of the Consumer Code), that is to say a provision of money by financial organizations (banks , online banks or organizations specializing in lending) to individuals to finance their purchases of goods or services. When he contracts a work loan, the individual therefore becomes a borrower and the financial institution, a lender. The work loan is a solution to finance the realization of work within a home. It is intended for the realization of constructions (terrace, swimming pool…), renovations, extensions or even insulation.

Conditions for obtaining a work loan

These conditions are common to all work loans.

First of all, the borrower must be the owner of a main residence (article R 318-7 of the Construction Code defines a main residence as the residence inhabited at least 8 months in the year by the borrower ), a second home or a rental property. Then, he has the choice of turning to three organizations allowing him to take out a work loan: a bank, a broker or even an aid organization.

If the borrower decides to turn to a bank, he must, even before applying for a work loan, determine the cost of the work to be carried out. The bank, for its part, will look to see if the borrower has already taken out a loan, and determine the maximum it can lend to carry out the work. She will also observe whether the work will increase the value of the property.

If his choice turns to a loan granted by an aid agency, the borrower must first check that this body is approved by the State through an agreement between the aid agency and the 'State. There are many types of work loans available for people in need.

In all cases, the borrower can either decide to carry out the work himself in his home, or to have it carried out by a service provider.

If the borrower decides to use a service provider, he must first choose him before submitting his application for a work loan. For this, the service provider must be registered with the Trade and Companies Register (RCS) and provide quotes to the borrower to justify the work accomplished.

Finally, the borrower can submit his application for a work loan by justifying documents common to all types of consumer credit:

  • Proof of identity
  • Proof of address
  • Last 3 account statements
  • The last tax notice
  • Proof of the work to be carried out and therefore proof of their relevance
  • A certificate of the value of the property
  • A loan amortization table (regarding repayment)
  • Proof of current income and credits

After submitting his work loan application, the borrower will receive a prior offer of work credit from the financial organization with which he has subscribed. This prior offer will include: the type of work undertaken, the amount desired by the borrower, the interest rates that will be applied to it as well as the repayment terms. This is not a direct work loan offer since the borrower has 2 weeks to accept the offer made to him, and then the legally valid loan agreement will be signed.

If the borrower decides to turn to a broker, the same documents will be requested, because it is necessary to prove his solvency. However, the broker will himself negotiate with the banks to obtain the most attractive offers for the borrower's situation. The latter is generally remunerated by a commission paid by the bank, which implies that the borrower will not have to pay these fees.

Classic work loans

Classic work loans are work loans granted directly by financial organizations to individuals. It is therefore the loan allocated for works and the personal loan for works.

1. The affected work loan

The work loan can also be part of the category of assigned loans, or assigned credits. We will therefore call this loan a loan assigned work. That is to say that the sum made available can only be used for carrying out the work that will have been determined in advance. To be sure of this, the borrower must give the credit organization precise proof and the precise amount of his expenses before being granted the work loan.

On the other hand, the borrower can either decide to carry out the work himself or call on a service provider.

If the borrower decides to carry out the work himself, then the funds for the work loan will be given to him to purchase the necessary materials. In this case, the borrower must carefully keep all receipts and invoices corresponding to his purchases. While if the borrower uses a service provider, the financial organization with which the loan was concluded will send the funds directly to the service provider who will carry out the work, and not to the borrower. The service provider must also provide invoices to justify the performance of the work and the use of funds.

This type of loan is said to be affected because it is only used for carrying out previously determined work since the borrower does not have direct access to the funds and cannot use them as he wishes (unlike the personal loan).

For example, you want to renovate the kitchen part of your home. However, your financial resources do not allow you to acquire the movable property of your choice directly. In order to get enough money for this property, you can take out an assigned work loan. In this case, you will have to provide a precise invoice to the lending organization with which you wish to contract the loan. Once the funds have been released, they can only be used to carry out the work determined for your kitchen, and nothing else. You will not be able to use it to carry out other work or to buy other property.

The amounts of loans granted by lending organizations or banks for work loans are between € 1,500 and € 21,500. The repayment periods are between 12 and 84 months (1 and 4 years). This loan is also called "loan for small works" because if the amount of work exceeds € 21,500, the borrower will be required to take out a mortgage.

2. The personal work loan

Unlike the assigned work loan, the personal work loan allows the borrower to use the funds released as he sees fit. Indeed, in this case the borrower is not obliged to allocate this sum to work precisely. This personal work loan therefore allows him to be able to carry out several works in his home simultaneously, without having to provide a precise invoice to the financial organization with which he has contracted the loan.

For example, you want to both renovate your kitchen and add furniture to your bathroom. In this case, you can take out a personal work loan. Therefore, you did not provide a precise invoice for the work to be done. Once the loan has been granted, the funds will be released for your benefit, and you will be able to choose the equipment you wish to acquire.

However, even if the borrower has the funds at his discretion, he must still use them to save energy, carpentry, plumbing or electricity, or for the renovation of a room, the purchase of materials or interior decoration.

Like any consumer credit, the lending organization can grant a loan ranging from € 200 to € 75,000. Here again, the borrower can decide to carry out the work himself, or to go through a service provider. This personal work loan is intended for owners of a primary and / or secondary residence, but also for tenants to allow them to make arrangements. This loan is at a fixed rate and is reimbursed up to a maximum of 5 years, the monthly payments of which are constant and defined during the subscription of your work loan.

Assisted loans

The assisted loans correspond to loans set up by the State and distributed by financial organizations with which an agreement has been signed. These are Aid from the National Housing Agency (Anah); the loan approved for energy renovation; the home savings loan; the Social Accession Loan (PAS); the tax credit for sustainable development; a loan granted by Caf (Pah) or a loan granted by pension funds.

1. Aid from the National Housing Agency (Anah)

This aid is provided through subsidies granted to the poorest households. They make it possible to finance the eco-renovation projects of individuals. This aid can be granted in three cases: when the owner occupies the accommodation for which the works loan is taken out; when the owner is a lessor; or when it is a syndicate of co-owners for work on the common portions.

This subsidy is not a right for these homes, it is granted according to the priorities according to the work to be done and their amount; as well as the means of the household in question.

at. When the owner is an occupant

The subsidy granted by the Anah for a work loan concerns modest and very modest households. Ceilings have been determined by the Agency, which you can read directly on their site: http://www.anah.fr/proprietaires/proprietaires-occupants/les-conditions-de-ressources/

For this, the Anah will observe the household income in n-2 (that is to say in 2014 for a work loan requested in 2016). However, if household income has been declining over these two years, it is possible to provide an assessment notice to the Agency so that income in n-1 is taken into account (therefore in 2015 for a work loan. requested in 2016).

In order to obtain this subsidy to finance his work loan, the owner-occupant must submit to several commitments:

  • That the work concerns his main residence
  • That the dwelling is at least 15 years old
  • Live for 6 years in the renovated accommodation

This grant concerns several types of work and the amounts vary. The minimum amount of work must be € 1,500 excluding tax, except for very modest households, which do not have a minimum threshold. However, depending on the work to be done with this work loan, the maximum amounts vary:

  • For heavy housing rehabilitation work: up to a maximum of € 50,000
  • For housing accessibility work (for handicaps for example): up to a maximum of € 20,000
  • For sanitation work: up to a maximum of € 20,000
  • For security work: up to € 20,000
  • For energy performance work: up to € 20,000

The subsidy rates for work loans granted by Anah vary according to the work to be carried out:

Resource households

very modest

Income households

modest

Heavy work projects to rehabilitate unworthy or very degraded housing

50%

50%

Work for the safety and health of the habitat

50%

50%

Work for the autonomy of the person (e.g. accommodation for the disabled)

50%

35%

Work to fight energy poverty

50%

35%

http://www.anah.fr/fileadmin/anah/Mediatheque/Publications/Les_aides/anah_guide_des_aides_janvier_2015.pdf

The procedure for obtaining this grant is quite simple. You must first make a request by filling out a form. Once it is completed, the borrower can submit their application to the local Anah delegation in the department where the accommodation is located. Subsequently, the file will be examined and the start of the work can only begin after the granting of the grant by the Anah. Finally, the work must be carried out within three years of the Agency's decision to award the grant.

b. When the owner is a lessor

In this situation, no means test is required for the household. On the other hand, the granting of the works loan, and therefore of the subsidy, is subject to the signing of a controlled rental agreement with the Anah.

This agreement sets out the commitments that the owner must respect, and this for 9 years:

  • That the rented accommodation is decent
  • The maximum rent will be set by the Agency
  • That the rented accommodation be rented as a main residence to households whose income is below certain resource limits

When the owner is a landlord, the accommodation must also be at least 15 years old, and the work must represent at least € 1,500. The work that can be carried out is the same, but the ceilings for the work loan granted are higher here:

  • For heavy housing rehabilitation work: up to € 80,000
  • For housing accessibility work: up to € 60,000
  • For sanitation work: up to € 60,000
  • For security work: up to € 60,000
  • For energy performance work: up to € 60,000

For this type of work loan, the subsidy rates range from 25% to 35% depending on the work to be carried out. For heavy rehabilitation work, it is 35%; for improvement work, it is 25%. The grant application procedure is the same here as for an owner-occupant.

2. The approved works loan

This type of work loan allows you to acquire a main residence or build your home. But it is also subscribed for the purpose of carrying out work on its main residence. Several works may be affected by this approved works loan, in particular:

  • Expansion or improvement of housing conditions
  • Adaptation of housing (for people with disabilities for example)
  • Improving the energy performance of housing

This loan works is not subject to conditions of resources. The requirements relate more particularly to housing. First of all, the home must be the owner's main residence, that is to say that he must live in the accommodation for at least 8 months a year, and that he be of French nationality or have a residence permit. Finally, the borrower agrees to live in the accommodation during the year following the end of the work.

This work loan is granted when the work is for an amount greater than or equal to € 4,000 including tax. The repayment of this approved works loan can be between 5 and 35 years. Its interest rates are fixed and regulated by the State and depend on the duration of the loan taken out. For a work loan of less than 12 years, the maximum fixed rate is 4.45%. For a work loan lasting more than 20 years, the maximum fixed rate is 4.90%.

The process for subscribing to an approved works loan is not very complex since it suffices to go to a bank approved to grant this type of loan (generally all banks have this authorization), and submit a request for loan with all the documents usually requested (payslips, notify if you have another credit in progress, etc.).

This type of work loan has 2 major advantages. First, it can be combined with other advantages offered by other work loans or state aid. This is particularly the case with APL (Personalized Housing Assistance), with a 0-rate work loan (PTZ), or even with a PEL (Housing Savings Loan). The second advantage of this work loan is that it allows you to have reduced notary fees compared to other possibilities for taking out work loans.

3. The home savings loan (PEL)

The housing savings loan is closely linked to the Housing Savings Plan (PEL) and / or the Housing Savings Account (CEL), which are bank accounts opened by individuals in order to save.

This housing savings loan allows you to acquire or build a main residence, but can also be seen as a work loan because it allows renovation and improvement work to be carried out on the borrower's main residence, and only that - here since March 1, 2016. That is to say that for the PEL open prior to this date, the work loan subscribed can also be used to carry out work in a secondary residence, while after this date, it can only be used for work within a main residence.

To be able to take out a home savings loan like a work loan, certain conditions must be met:

  • The borrower must have saved for at least 4 years
  • Whether the work corresponds to the expansion or improvement of the principal residence of the borrower

This home savings loan cannot exceed an amount of € 92,000 for a work loan period of between 2 and 15 years. If it is a CEL loan, the amount cannot exceed 23,000 €. These two types of loan can be combined, but always within the limit of the ceiling of € 92,000 of the home savings loan. Most often, the home savings loan application must be made to the bank where the ELP was opened. It is nevertheless possible to apply to another lending institution if the borrower wishes, but it will be necessary to meet certain conditions. The granting of this works loan leads to the closure of the PEL.

The amount of the loan granted depends on the interest obtained during the years of savings, as well as the duration of the loan chosen (between 2 and 15 years). This is called loan rights. They therefore correspond to the totality of the interests acquired, received. The interest rate of the work loan in this situation depends on the period during which the ELP was opened. Here is the summary table of these interest rates:

Open plan

PEL loan interest rate

Between 05/16/1986 and 02/07/1994

6.32%

Between 08/02/1994 and 22/01/1997

5.54%

Between 23/01/1997 and 09/06/1998

4.80%

Between 10/06/1998 and 25/07/1999

4.60%

Between 07/26/1999 and 06/30/2000

4.31%

Between 07/01/2000 and 07/31/2003

4.97%

Between 01/08/2003 and 31/01/2015

4.20%

Between 01/02/2015 and 31/01/2016

3.20%

Between 02/01/2016 and 07/31/2016

2.70%

Since August 1, 2016

2.20%

https://www.service-public.fr/particuliers/vosdroits/F16142

4. The social home loan (PAS)

The social home loan, like any subsidized loan, primarily allows people in financial difficulty to acquire their main residence. It may concern the purchase or construction of new or old housing. It can also be taken out as a work loan when it concerns home improvement or energy saving work.

In addition, by its nature of subsidized loan, this type of work loan can be taken out with financial institutions that have entered into an agreement with the State allowing them to grant such loans.

The minimum amount of this work loan is € 4,000. Its repayment is expected between 5 and 25 years, but the contract with the financial institution may provide for a repayment over 35 years.

Because it is an assisted loan, this type of work loan will be granted to a certain type of household. That is to say that the household's resources will be taken into account and that ceilings have been regulated. These maximum resources taken into account are defined according to the number of occupant (s) of the future home and the location of the main residence:

Number of people intended to occupy the accommodation

Zone A

Zone B1

Zone B2

Zone C

1 person

€ 37,000

€ 30,000

€ 27,000

€ 24,000

2 persons

€ 51,800

€ 42,000

€ 37,800

€ 33,600

3 people

€ 62,900

€ 51,000

€ 45,900

€ 40,800

4 people

€ 74,000

€ 60,000

€ 54,000

€ 48,000

5 people

€ 85,100

€ 69,000

€ 62,100

€ 55,200

6 persons

€ 96,200

€ 78,000

€ 70,200

€ 62,400

7 people

€ 107,300

€ 87,000

€ 78,300

€ 69,600

From 8 people

€ 118,400

€ 96,000

€ 86,400

€ 76,800

https://www.service-public.fr/particuliers/vosdroits/F22158

The maximum repayment rate of the social home loan depends on the duration of the loan determined in the loan contract, and on the type of rate defined by the financial institution (depending on whether it is variable or fixed):

term of the loan

Fixed rate

Floating rate

Less than or equal to 12 years

2.85%

2.85%

Between 12 and 15 years old

3.05%

2.85%

Between 15 and 20 years

3.20%

2.85%

Over 20 years

3.30%

2.85%

https://www.service-public.fr/particuliers/vosdroits/F22158

Even if this type of work loan can sometimes cover the entire amount of the work, it is nevertheless possible to combine it with other types of assisted loans if the amount of the loan does not allow you to pay all of the work.

5. The sustainable development tax credit / Energy transition tax credit (Cite)

This works credit allows the borrower to deduct from his income on taxes, part of his work expenses related to the energy performance of his home. For this, the borrower must be the owner of a main residence, whether it is a house or an apartment.

The deductible amount for this work loan is capped at € 8,000 for a single person, and € 16,000 for a couple over a period of 5 consecutive years. For each expense corresponds a deductible percentage of the borrower's taxes which ranges from 13 to 45%. The borrower, if he takes out this type of work loan, will have to justify the acquisition of thermal insulation materials, heat pumps, energy production equipment using renewable energy, etc.

Indeed, as its name suggests, this work loan can only be granted in order to make its home more energetic. This loan is part of the recent concerns of the United States on renewable energies and the preservation of the environment.

A company will have to provide these services and provide detailed invoices to the borrower who will not have to bring them with his tax notice, to benefit from the deduction.

6. Loan from Caf for home improvement (Pah)

This work loan benefits people with a family benefit from the Family Allowance Fund (Caf). These people must, as with any work loan, be the owner or tenant of the accommodation in question and that it be their main residence. The borrower must want to carry out repair, improvement, thermal insulation or sanitation work. This work loan excludes maintenance work (decoration, painting, etc.).

The amount of the home improvement work loan can cover up to 80% of the work expenses. This loan is also subject to a ceiling of € 1,067.14. The advantage of this work loan is that it is at 1%, repayable over a maximum period of 3 years.

On presentation of the estimate, and upon signing the work loan contract, half of the sum is paid to the borrower and the other part at the end of the work, on presentation of the invoice.

7. Loan from pension funds for carrying out housing works

This type of work loan concerns all retirees, regardless of their retirement plan, who are owners or tenants. This work loan is granted to borrowers who wish to carry out improvement work in their main residence. It is mainly granted when it is necessary to improve housing to prevent the loss of autonomy of the elderly: enlargement of doors or installation of grab bars, insulation, connection to sewers, plumbing and sanitation, etc.

The conditions vary from one pension fund to another, the rates of this type of work loan can range from 3 to 7%. The amount that can be borrowed ranges from $ 2,500 to $ 15,000 and the loan term ranges from 2 to 10 years.

Regarding interest rates

In United States, when you take out a loan, and therefore a work loan, it is subject to interest rates sometimes determined by the financial organizations themselves, but more generally they are regulated by French law.

There are also several interest rates, and it is not always easy to navigate. And when you want to take out a work loan, it is strongly recommended to do loan simulations on the internet, in order to know approximately the cost of this loan, and therefore allow the borrower to become aware of his commitment to the loan. financial organization with which it has contracted. There are four types of interest rate: the nominal rate, the real rate, the overall effective rate (TEG) and the usury rate.

The nominal interest rate is used as a reference to calculate the remuneration of the money loaned by the lender or the bank. That is to say that it is from this rate that the interest on the monthly payments that the borrower will have to pay will be calculated. This rate can be fixed or variable.

For example, if you take out a one-year work loan for an amount of € 10,000 and at a nominal rate of 5%, the borrower will have to pay € 500 in interest to the financial institution.

However, the nominal interest rate is not the rate for determining the full and actual cost of a loan. Indeed, for this, it is necessary to refer to the overall effective rate (TEG).

The TEG is the only interest rate recognized as reliable by law to determine fully and therefore globally the amount of a loan. It is with this TEG that borrowers must compare the different credit offers that are offered to them before taking out any loan. This TEG makes it possible to visualize the totality of the credit taken out since it takes into account, under article L313-1 of the Consumer Code:

  • Interest payable (based on the nominal rate)
  • Additional and compulsory costs (such as administrative fees)

For example, if you take out a work loan for € 10,000 over 1 year, and the nominal rate is 5%, the TEG will also be 5%. But if you find yourself paying on top of the $ 100 application fee, then the TEG will drop to a rate of 6%.

Finally, the TEG also has a cap that should not be exceeded, called the wear rate. This usury rate is the maximum ceiling of the TEG to which any loan, and therefore a works loan, can be granted.

Is insurance compulsory to take out a work loan?

A “borrower insurance” is generally offered by financial organizations. In theory, it is optional but nevertheless strongly recommended to alleviate the incidents of the life. This generally covers the death of the borrower, absolute and permanent disability and temporary incapacity for work (ITT). The loss of employment can be offered as an option. This allows financial institutions to obtain repayment of the work loan even in the event of the insolvency of the borrower (that is to say of an inability to pay the contracted loan). This insurance will take over for the repayment of the loan, until its end, or until the borrower can again honor his commitment.

This insurance is optional, but, even if the banks cannot oblige borrowers to take out insurance, they can refuse to grant the loan for works if ever the borrower does not take one. This amounts to considering this “borrower insurance” as compulsory.

To purchase this insurance, the borrower must complete an initial risk declaration questionnaire. Indeed, this is mainly a health questionnaire which allows the insurer to price as best as possible, with regard to the possible history of the borrower, his risk and therefore the insurance premium that he will have to pay. pay. This document is important because it allows the insurance company to cancel the contract, in particular in the event of a false declaration made by the borrower (article L113-8 of the Insurance Code).

As with most contracts, and in particular loan contracts such as the work loan, the borrower has 14 days of withdrawal following the signing of the contract (article L311-12 of the consumer code). In addition, in French law, the consumer code protects the consumer, so here the borrower, by imposing on the insurance company a pre-contractual obligation to provide information (article L311-6 of the consumer code). That is to say that the insurer has the obligation to provide all the information concerning insurance offers so that the borrower becomes aware of the extent of his commitment, and makes an informed choice in view of its needs one of the work loans.

Is it possible to take out a 0-rate work loan?

It is indeed possible to contract a 0-rate work loan (PTZ) , but this can only be done under certain specific conditions. Even if no means test is required from the borrower, the works themselves must meet energy performance criteria. That is to say that the energy consumption and the impact in terms of greenhouse gas emissions of housing will be evaluated. In this case, we also speak of an "Eco-loan at 0 rate".

In order to take out this type of work loan, the borrower must be owner occupant for 2 years before the loan application, or be owner lessor; les travaux doivent être effectués dans sa résidence principale, qui doit elle-même avoir été construite avant le 1er janvier 1990. L'emprunteur doit également habiter sa résidence pendant un an suivant la déclaration d'achèvement des travaux. Ce prêt travaux à taux 0 doit concerner l'isolation et les installations énergétiques du bien immobilier de l'emprunteur. Par ailleurs, une exigence concerne l'entreprise réalisant les travaux: elle doit être Reconnu garant de l'environnement (RGE).

Ce type de prêt travaux ne peut être contracté que jusqu'à un maximum de 30 000€. Son remboursement se fait sans intérêt, car ceux-ci sont pris en charge par l'État, et peut être étalé sur maximum 15 ans et un minimum de 3 ans. L'emprunteur, doit alors effectuer un choix entre 3 options du prêt travaux à taux 0:

  • Une option bouquet de travaux : un prêt allant jusqu'à 20 000 $ peut être conclu pour deux types de travaux, et jusqu'à 30 000 $ pour la réalisation de trois types de travaux
  • Une option performance énergétique globale : jusqu'à 30 000 $
  • Une option réhabilitation de l'assainissement non collectif : jusqu'à 10 000 $

Les documents à réunir au moment du dépôt de la demande de prêt travaux à taux 0 sont:

  • Une définition précise des travaux à réaliser, avec les devis de l'entreprise engagée pour les réaliser, notamment le formulaire type «devis»
  • Un justificatif de la date de construction du logement
  • Une preuve justifiant que le logement est la résidence principale de l'emprunteur
  • Le dernier avis d'imposition
  • Une date d'achèvement de travaux
  • La preuve que le prestataire est Reconnu garant de l'environnement (RGE)

Depuis le 1er janvier 2016, l'emprunteur a 3 ans pour réaliser l'intégralité des travaux. Une fois ceux-ci terminés, l'emprunteur doit retourner à sa banque les formulaires type «facture» qui attestent de la réalisation des travaux et de leur montant.

Avant le 1er juillet 2016, le prêt travaux à taux 0 ne pouvait être effectué par l'emprunteur que pour un de ses logements, sa résidence principale. Mais depuis le 1er juillet 2016, il est possible d'avoir recours au prêt travaux à taux 0 sur deux logements. La seule condition est que le montant total des travaux, pour les deux logements, n'excède pas 30 000€.

Par ailleurs, une fois que ce type de prêt travaux a été contracté et que l'emprunt n'est pas entièrement remboursé, le logement ne peut être transformé en bâtiment commercial ou professionnel, ni utilisé en résidence secondaire.

Actuellement, vingt banques ont signé une convention avec l'État et distribuent l'éco-PTZ : BNP Paribas, Crédit agricole, Société générale, Caisse d'épargne, Banque populaire, Crédit mutuel, La Banque postale, Crédit foncier, CIC, LCL, Crédit immobilier de United States, Crédit du Nord, Natixis, Solféa, Domofinance, Banque BCP, Banque Chalus, Kutxa Banque, Ma Banque, Société Marseillaise de Crédit.

Depuis 1995, a aussi été introduit le Prêt travaux à taux 0 plus (PTZ+) . Ce prêt, exempt de taux d'intérêt, correspond dès lors à une somme d'argent prêtée gratuitement par l'organisme financier. Ainsi, le remboursement ne correspondra qu'au montant qui a été prêté par l'établissement financier, sans supplément. Cependant, ce PTZ+ ne va pas payer l'intégralité de l'emprunt souscrit par les propriétaires. Ceux-ci doivent dans le même temps souscrire à un autre dispositif d'aide pour pouvoir obtenir un emprunt complet s'ils ne peuvent compléter pour la totalité (par exemple un crédit immobilier, un crédit d'accession sociale (PAS), ou encore un prêt épargne logement (PEL)).

Ce prêt travaux vise avant tout à permettre à des ménages assez modestes de participer financièrement à leur emprunt afin de les aider à accéder pour la première fois à la propriété. Il est la plupart du temps accordé lorsqu'il s'agit de l'achat d'un bien neuf et conforme aux règles énergétiques, mais il permet également d'acquérir un bien ancien et de le remettre à neuf.

Le prêt travaux à taux 0 plus peut également servir à financer des travaux de rénovation car il peut être souscrit par un emprunteur qui désire acheter un bien immobilier et le transformer en résidence habitable (par exemple d'anciens locaux commerciaux en habitation).

Ce prêt travaux à taux 0 plus est essentiellement octroyé aux primo-accédants, c'est-à-dire aux personnes qui accèdent pour la première fois à la propriété. Mais dans les faits, il peut être accordé à toute personne n'ayant pu être propriétaire de sa résidence principale durant les deux années qui se sont écoulées avant la demande du prêt travaux. Pour cela, des conditions de ressources très précises sont prises en compte (puisqu'il s'agit d'un emprunt à taux 0). Celles-ci sont appréciées en fonction de la taille du futur foyer ainsi que de la zone géographique. Comme pour la subvention accordée par l'Anah, la prise en compte des ressources de l'emprunteur, mais aussi celles de tous les membres destinés à habiter le foyer, se fera en année n-2.

L'octroi de ce prêt travaux à taux 0 plus est soumis à un plafond. En effet, lorsque les emprunteurs ont justifié leurs ressources, les banques apprécient le plafond du prêt travaux en fonction de la composition du foyer et de sa zone géographique. Par ailleurs, des montants maximums ont également été fixés afin de permettre l'octroi de ce prêt travaux à de nombreux foyers en difficulté.

Voici le tableau des conditions de ressources pour souscrire à un prêt travaux à taux 0 +:

Nombre de personnes destinéesà composer le logement

Zone A

Zone B1

Zone B2

Zone C

1 person

36000€

26000€

24000€

22000€

2 persons

50400€

36400€

33600€

30800€

3 people

61200€

44200€

40800€

37400€

4 people

72000€

52000€

48000€

44000€

5 people

82800€

59800€

55200€

50300€

6 persons

93600€

67600€

62400€

57200€

7 people

104400€

75400€

69600€

63800€

8 people and more

115200€

83200€

76800€

70400€

Le montant accordé par le PTZ+ est évalué en fonction d'un pourcentage appliqué au coût total de l'achat du bien immobilier, et déterminé selon la zone de résidence de l'emprunteur:

  • Pour la zone A: 26%
  • Pour la zone B1: 26%
  • Pour la zone B2:21%
  • Pour la zone C: 18%

Pour obtenir ce prêt travaux, l'emprunteur est aussi soumis à des engagements. Il doit en effet s'engager à faire du logement acheté et rénové sa résidence principale dans l'année qui suit la fin de la réalisation des travaux. Aucune mise en location ne pourra être réalisée avant la fin du remboursement de la totalité du prêt souscrit. Le remboursement du prêt travaux à taux 0 se fait sur 12 ans pour ceux qui disposent des meilleures possibilités de paiement, et peut aller jusqu'à 25 ans pour les foyers les moins fortunés.

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