{"id":351323,"date":"2019-12-31T09:30:00","date_gmt":"2019-12-31T08:30:00","guid":{"rendered":"https:\/\/www.blog.monsieurhugo.com\/2019\/12\/31\/sous-quelles-conditions-t-on-le-droit\/"},"modified":"2026-01-20T15:42:44","modified_gmt":"2026-01-20T14:42:44","slug":"sous-quelles-conditions-t-on-le-droit","status":"publish","type":"post","link":"https:\/\/www.monsieurhugo.com\/blog\/2019\/12\/31\/sous-quelles-conditions-t-on-le-droit\/","title":{"rendered":"Sous quelles conditions a-t-on le droit de louer un bien achet\u00e9 gr\u00e2ce \u00e0 un pr\u00eat \u00e0 taux z\u00e9ro ?"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.6.1&Prime; custom_margin=\u00a0\u00bb0px||||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px||||false|false\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.6.1&Prime; background_size=\u00a0\u00bbinitial\u00a0\u00bb background_position=\u00a0\u00bbtop_left\u00a0\u00bb background_repeat=\u00a0\u00bbrepeat\u00a0\u00bb custom_margin=\u00a0\u00bb0px||||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px||||false|false\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb3.25&Prime; custom_padding=\u00a0\u00bb|||\u00a0\u00bb custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.6.1&Prime; text_font_size=\u00a0\u00bb20px\u00a0\u00bb background_size=\u00a0\u00bbinitial\u00a0\u00bb background_position=\u00a0\u00bbtop_left\u00a0\u00bb background_repeat=\u00a0\u00bbrepeat\u00a0\u00bb custom_margin=\u00a0\u00bb0px||||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px||||false|false\u00a0\u00bb]<\/p>\n<div>\n<h2 class=\"separator\" style=\"clear: both; text-align: left;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\"><span style=\"color: #006fad;\"><span style=\"font-size: x-large;\">Quels sont les principaux 6 motifs qui vous autorisent \u00e0 louer un bien achet\u00e9 avec un pr\u00eat \u00e0 taux z\u00e9ro ?<\/span><\/span><\/span><\/span><\/h2>\n<\/div>\n<p><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Le pr\u00eat \u00e0 taux z\u00e9ro, dit PTZ, est un <b>pr\u00eat gratuit aid\u00e9 par L\u2019\u00c9tat<\/b>. Vous devrez en fait rembourser son montant sans avoir \u00e0 payer d&rsquo;int\u00e9r\u00eats dessus.<\/span><\/span><\/p>\n<div>\n<p><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">La sp\u00e9cificit\u00e9 du PTZ c&rsquo;est qu&rsquo;il ne permet <b>que l&rsquo;achat de sa future r\u00e9sidence principale<\/b>.<\/span><\/span><\/p>\n<div>\n<p><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">La question de savoir sous quelles conditions on peut louer un bien achet\u00e9 gr\u00e2ce \u00e0 ce pr\u00eat \u00e0 taux z\u00e9ro para\u00eet donc incoh\u00e9rente ?<\/span><\/span><\/p>\n<div>\n<div><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Avant d&rsquo;y r\u00e9pondre, je vais simplement rappeler les principales caract\u00e9ristiques du PTZ.<\/span><\/span><\/div>\n<div>\n<p><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Pour que vous puissiez y avoir droit, il faut donc qu&rsquo;il finance votre logement et que vous n&rsquo;ayez <b>pas \u00e9t\u00e9 propri\u00e9taire de votre r\u00e9sidence principale au cours des 2 derni\u00e8res ann\u00e9es pr\u00e9c\u00e9dant le pr\u00eat<\/b>.<\/span><\/span><\/p>\n<div><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">C&rsquo;est en fait un dispositif qui a \u00e9t\u00e9 cr\u00e9er pour vous permettre si vous avez des revenus modestes ou interm\u00e9diaires d\u2019acc\u00e9der \u00e0 la propri\u00e9t\u00e9.\u00a0<\/span><\/span><\/div>\n<div>\u00a0<\/div>\n<div>\n<div><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">D&rsquo;autres conditions de formes sont \u00e9galement requises :\u00a0<\/span><\/span><\/div>\n<ul>\n<li><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">le PTZ <b>ne peut pas financer la totalit\u00e9<\/b> de l&rsquo;achat de votre r\u00e9sidence, il doit donc \u00eatre compl\u00e9t\u00e9 par un apport personnel et\/ou plusieurs autres pr\u00eats,<\/span><\/span><\/li>\n<li><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">le PTZ <b>ne peut exc\u00e9der le montant du ou des autres pr\u00eats<\/b>, d&rsquo;une dur\u00e9e au moins \u00e9gale \u00e0 2 ans, et qui financent la m\u00eame op\u00e9ration.<\/span><\/span><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\"><br \/><\/span><\/span><\/li>\n<\/ul>\n<div><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Le PTZ peut s&rsquo;\u00e9taler sur une dur\u00e9e de 20, 22 ou 25 ans et en bonus il peut vous offrir une p\u00e9riode de <b>diff\u00e9r\u00e9 de paiement d\u2019une dur\u00e9e de 5 \u00e0 15 ans<\/b>, p\u00e9riode durant laquelle vous ne payez aucune mensualit\u00e9 sur votre PTZ.<\/span><\/span><\/div>\n<div>\u00a0<\/div>\n<div><span style=\"font-size: large; font-family: arial, helvetica, sans-serif;\">Le montant du PTZ accord\u00e9 d\u00e9pendra de la <\/span><b style=\"font-family: arial, helvetica, sans-serif;\">zone<\/b><span style=\"font-size: large; font-family: arial, helvetica, sans-serif;\"> o\u00f9 se situe votre futur logement et du <\/span><b style=\"font-family: arial, helvetica, sans-serif;\">nombre de personnes<\/b><span style=\"font-size: large; font-family: arial, helvetica, sans-serif;\"> qui occuperont ce logement. Les <\/span><b style=\"font-family: arial, helvetica, sans-serif;\">ressources du foyer <\/b><span style=\"font-size: large; font-family: arial, helvetica, sans-serif;\">ne doivent pas non plus d\u00e9passer un plafond, fix\u00e9 en fonction de vos charges de famille. La zone o\u00f9 se situe votre futur logement entrera \u00e9galement en compte dans ce plafond de ressources.<\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div>\n<p><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Par exemple un bien situ\u00e9 \u00e0 Chartres (28) sera en zone B1. Si votre foyer est constitu\u00e9 de 3 personnes, les ressources de l&rsquo;ensemble des personnes habitants le logement ne devront pas d\u00e9passer 51.000 euros par an.<\/span><\/span><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Un appartement situ\u00e9 \u00e0 Nice (06) sera en zone A. Pour un m\u00eame foyer constitu\u00e9 de 3 personnes, les ressources ne devront pas d\u00e9passer 62.900 euros par an pour l&rsquo;ensemble des personnes qui habiteront le logement.<\/span><\/span><\/p>\n<\/div>\n<div><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Le montant du bien \u00e0 Chartres ne devra pas d\u00e9passer 230.000 euros, lorsqu&rsquo;\u00e0 Nice, il pourra atteindre au maximum 255.000 euros.<\/span><\/span><\/div>\n<p><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">La demande de pr\u00eat \u00e0 taux z\u00e9ro peut \u00eatre adress\u00e9e \u00e0 l&rsquo;\u00e9tablissement de cr\u00e9dit de votre choix. L&rsquo;\u00e9tablissement devra simplement avoir pass\u00e9 une <b>convention avec l&rsquo;\u00c9tat<\/b>. Mais comme pour tout autre pr\u00eat, votre banque n&rsquo;a pas l&rsquo;obligation de vous accorder le pr\u00eat. Il est de sa responsabilit\u00e9 d&rsquo;appr\u00e9cier votre solvabilit\u00e9 et vos garanties de remboursement.<\/span><\/span><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">\u00a0<\/span><\/span><\/p>\n<div><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Maintenant que toutes les conditions sont pos\u00e9es, quels sont les motifs qui vous permettraient de louer un bien que vous auriez achet\u00e9 gr\u00e2ce \u00e0 un PTZ ?<\/span><\/span><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">\u00a0<\/span><\/span><\/div>\n<p><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">On en d\u00e9nombre 6 principales :<\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">la mobilit\u00e9 professionnelle, <\/span><\/span><\/li>\n<li><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">le d\u00e9c\u00e8s, <\/span><\/span><\/li>\n<li><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">le divorce,<\/span><\/span><\/li>\n<li><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">a dissolution d\u2019un Pacs, <\/span><\/span><\/li>\n<li><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">une p\u00e9riode de ch\u00f4mage sup\u00e9rieure \u00e0 un an, <\/span><\/span><\/li>\n<li><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">la survenance d\u2019une invalidit\u00e9.<\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Cette liste est non exhaustive et s\u2019appr\u00e9ciera au cas par cas.<\/span><\/span><\/p>\n<p><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Toutefois, la location ne devra pas exc\u00e9der une dur\u00e9e maximale de <b>6 ans<\/b>.<\/span><\/span><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\"><br \/><\/span><\/span><br \/><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Retrouvez l&rsquo;explication audio des conditions dans l&rsquo;article MySweetImmo qui est <a href=\"https:\/\/www.mysweetimmo.com\/2019\/01\/07\/sous-quelles-conditions-a-t-on-le-droit-de-louer-un-bien-achete-grace-a-un-pret-a-taux-zero\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>ici<\/u><\/span><\/a>.<\/span><\/span><br \/><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\"><br \/><\/span><\/span><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Bon investissement,<\/span><\/span><\/p>\n<div style=\"-webkit-text-stroke-width: 0px; color: black; font-family: 'Times New Roman'; font-size: medium; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-color: initial; text-decoration-style: initial; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;\">\n<div style=\"margin: 0px;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\"><span style=\"color: #006fad;\"><b>Monsieur Hugo<\/b><\/span>,<\/span><\/span><\/div>\n<\/div>\n<div style=\"-webkit-text-stroke-width: 0px; color: black; font-family: 'Times New Roman'; font-size: medium; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-color: initial; text-decoration-style: initial; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;\">\n<div style=\"margin: 0px;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Votre assistant personnel en gestion locative<\/span><\/span><\/div>\n<div style=\"-webkit-text-stroke-width: 0px; color: black; font-family: 'Times New Roman'; font-size: medium; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; margin: 0px; orphans: 2; text-align: start; text-decoration-color: initial; text-decoration-style: initial; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;\">\n<div style=\"margin: 0px;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif; font-size: large;\">\u00a0<\/span><\/div>\n<\/div>\n<div style=\"-webkit-text-stroke-width: 0px; color: black; font-family: 'Times New Roman'; font-size: medium; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; margin: 0px; orphans: 2; text-align: start; text-decoration-color: initial; text-decoration-style: initial; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;\">\n<div style=\"margin: 0px;\">\u00a0<\/div>\n<\/div>\n<div style=\"-webkit-text-stroke-width: 0px; color: black; font-family: 'Times New Roman'; font-size: medium; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; margin: 0px; orphans: 2; text-align: start; text-decoration-color: initial; text-decoration-style: initial; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;\">\n<div style=\"margin: 0px;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><b>Retrouvez-moi sur\u00a0<\/b><a href=\"https:\/\/www.facebook.com\/assistantmonsieurhugo\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Facebook<\/u><\/span><\/a><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/div>\n<\/div>\n<div style=\"-webkit-text-stroke-width: 0px; color: black; font-family: 'Times New Roman'; font-size: medium; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; margin: 0px; orphans: 2; text-align: start; text-decoration-color: initial; text-decoration-style: initial; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;\">\n<div style=\"margin: 0px;\">\u00a0<\/div>\n<\/div>\n<div style=\"-webkit-text-stroke-width: 0px; color: black; font-family: 'Times New Roman'; font-size: medium; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; margin: 0px; orphans: 2; text-align: start; text-decoration-color: initial; text-decoration-style: initial; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;\">\n<div style=\"margin: 0px;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Je vous conseille aussi :<\/span><\/span><br \/><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">&gt; <a href=\"https:\/\/www.monsieurhugo.com\/blog\/2018\/03\/comment-calculer-la-rentabilite-dun.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Comment calculer la rentabilit\u00e9 d&rsquo;un bien lou\u00e9 ?<\/u><\/span><\/a><\/span><\/span><br \/><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">&gt; <a href=\"https:\/\/www.monsieurhugo.com\/blog\/2018\/12\/impot-la-source-les-francais-ont-peur.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Imp\u00f4t \u00e0 la source : les Fran\u00e7ais ont peur du pr\u00e9l\u00e8vement \u00e0 la source<\/u><\/span><\/a><\/span><\/span><br \/><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">&gt; <a href=\"https:\/\/www.monsieurhugo.com\/blog\/2018\/01\/garants-modele-lettre-gratuit.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Les garants &#8211; Mod\u00e8le de lettre gratuit pour se porter caution d&rsquo;un locataire<\/u><\/span><\/a><\/span><\/span><br \/><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">&gt; <a href=\"https:\/\/www.monsieurhugo.com\/blog\/2018\/01\/bail-de-location-loi-alur-modele-gratuit-telecharger.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Tout savoir sur le contrat de location. T\u00e9l\u00e9chargez votre bail gratuit<\/u><\/span><\/a><\/span><\/span><\/div>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_code _builder_version=\u00a0\u00bb4.6.1&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; sticky_enabled=\u00a0\u00bb0&Prime;]<\/p>\n<style>#endformm{display:none;}<\/style>\n<p>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Quels sont les principaux 6 motifs qui vous autorisent \u00e0 louer un bien achet\u00e9 avec un pr\u00eat \u00e0 taux z\u00e9ro ? Le pr\u00eat \u00e0 taux z\u00e9ro, dit PTZ, est un pr\u00eat gratuit aid\u00e9 par L\u2019\u00c9tat. Vous devrez en fait rembourser son montant sans avoir \u00e0 payer d&rsquo;int\u00e9r\u00eats dessus. La sp\u00e9cificit\u00e9 du PTZ c&rsquo;est qu&rsquo;il ne [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":351324,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"<div><div class=\"separator\" style=\"clear: both; text-align: center;\">\u00a0<\/div><\/div><div class=\"separator\" style=\"clear: both; text-align: center;\"><img src=\"https:\/\/www.monsieurhugo.com\/blog\/wp-content\/uploads\/2019\/12\/pret0.jpg\" width=\"320\" height=\"213\" border=\"0\" data-original-height=\"853\" data-original-width=\"1280\" \/><\/div><p><br \/><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\"><br \/><\/span><\/span><\/p><h2><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\"> <span style=\"color: #006fad;\"><span style=\"font-size: x-large;\">Quels sont les principaux 6 motifs qui vous autorisent \u00e0 louer un bien achet\u00e9 avec un pr\u00eat \u00e0 taux z\u00e9ro ?<\/span><\/span><\/span><\/span><\/h2><p><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Le pr\u00eat \u00e0 taux z\u00e9ro, dit PTZ, est un <b>pr\u00eat gratuit aid\u00e9 par L\u2019\u00c9tat<\/b>. Vous devrez en fait rembourser son montant sans avoir \u00e0 payer d'int\u00e9r\u00eats dessus.<\/span><\/span><\/p><div><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">La sp\u00e9cificit\u00e9 du PTZ c'est qu'il ne permet <b>que l'achat de sa future r\u00e9sidence principale<\/b>.<\/span><\/span><div><br \/><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">La question de savoir sous quelles conditions on peut louer un bien achet\u00e9 gr\u00e2ce \u00e0 ce pr\u00eat \u00e0 taux z\u00e9ro para\u00eet donc incoh\u00e9rente ?<\/span><\/span><div><div>\u00a0<\/div><div><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Avant d'y r\u00e9pondre, je vais simplement rappeler les principales caract\u00e9ristiques du PTZ.<\/span><\/span><\/div><div><br \/><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Pour que vous puissiez y avoir droit, il faut donc qu'il finance votre logement et que vous n'ayez <b>pas \u00e9t\u00e9 propri\u00e9taire de votre r\u00e9sidence principale au cours des 2 derni\u00e8res ann\u00e9es pr\u00e9c\u00e9dant le pr\u00eat<\/b>.<\/span><\/span><div><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">C'est en fait un dispositif qui a \u00e9t\u00e9 cr\u00e9er pour vous permettre si vous avez des revenus modestes ou interm\u00e9diaires d\u2019acc\u00e9der \u00e0 la propri\u00e9t\u00e9.\u00a0<\/span><\/span><\/div><div><div><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">\u00a0<\/span><\/span><\/div><div><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">D'autres conditions de formes sont \u00e9galement requises :\u00a0<\/span><\/span><\/div><ul><li><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">le PTZ <b>ne peut pas financer la totalit\u00e9<\/b> de l'achat de votre r\u00e9sidence, il doit donc \u00eatre compl\u00e9t\u00e9 par un apport personnel et\/ou plusieurs autres pr\u00eats,<\/span><\/span><\/li><li><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">le PTZ <b>ne peut exc\u00e9der le montant du ou des autres pr\u00eats<\/b>, d'une dur\u00e9e au moins \u00e9gale \u00e0 2 ans, et qui financent la m\u00eame op\u00e9ration.<\/span><\/span><\/li><\/ul><div><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">\u00a0<\/span><\/span><\/div><div><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Le PTZ peut s'\u00e9taler sur une dur\u00e9e de 20, 22 ou 25 ans et en bonus il peut vous offrir une p\u00e9riode de <b>diff\u00e9r\u00e9 de paiement d\u2019une dur\u00e9e de 5 \u00e0 15 ans<\/b>, p\u00e9riode durant laquelle vous ne payez aucune mensualit\u00e9 sur votre PTZ.<\/span><\/span><br \/><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\"><br \/><\/span><\/span><br \/><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Le montant du PTZ accord\u00e9 d\u00e9pendra de la <b>zone<\/b> o\u00f9 se situe votre futur logement et du <b>nombre de personnes<\/b> qui occuperont ce logement. Les <b>ressources du foyer <\/b>ne doivent pas non plus d\u00e9passer un plafond, fix\u00e9 en fonction de vos charges de famille. La zone o\u00f9 se situe votre futur logement entrera \u00e9galement en compte dans ce plafond de ressources.<\/span><\/span><\/div><\/div><\/div><\/div><\/div><\/div><div><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">\u00a0<\/span><\/span><\/div><div><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Par exemple un bien situ\u00e9 \u00e0 Chartres (28) sera en zone B1. Si votre foyer est constitu\u00e9 de 3 personnes, les ressources de l'ensemble des personnes habitants le logement ne devront pas d\u00e9passer 51.000 euros par an.<\/span><\/span><p><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Un appartement situ\u00e9 \u00e0 Nice (06) sera en zone A. Pour un m\u00eame foyer constitu\u00e9 de 3 personnes, les ressources ne devront pas d\u00e9passer 62.900 euros par an pour l'ensemble des personnes qui habiteront le logement.<\/span><\/span><\/p><\/div><table class=\"tr-caption-container\" style=\"margin-left: auto; margin-right: auto; text-align: center;\" cellspacing=\"0\" cellpadding=\"0\" align=\"center\"><tbody><tr><td style=\"text-align: center;\"><img title=\"Source service-public.fr\" src=\"https:\/\/2.bp.blogspot.com\/-REgxbXqhOJg\/XDdZmsRH9eI\/AAAAAAAAAVk\/5e36vNWiGSEfoxxLzdGGYzP4u73c3boigCLcBGAs\/s1600\/ZONE.PNG\" alt=\"Source service-public.fr\" border=\"0\" data-original-height=\"528\" data-original-width=\"790\" \/><\/td><\/tr><tr><td class=\"tr-caption\" style=\"text-align: center;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif; font-size: x-small;\">Source service-public.fr<\/span><\/td><\/tr><\/tbody><\/table><div>\u00a0<\/div><div><br \/><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Le montant du bien \u00e0 Chartres ne devra pas d\u00e9passer 230.000 euros, lorsqu'\u00e0 Nice, il pourra atteindre au maximum 255.000 euros.<\/span><\/span><\/div><table class=\"tr-caption-container\" style=\"margin-left: auto; margin-right: auto; text-align: center;\" cellspacing=\"0\" cellpadding=\"0\" align=\"center\"><tbody><tr><td style=\"text-align: center;\"><img title=\"Source service-public.fr\" src=\"https:\/\/4.bp.blogspot.com\/-fYTsS_YMuPk\/XDdaMFR9_6I\/AAAAAAAAAVs\/WUSWnAlimFoKoCDl6_Y-jbwIdIoe0cteQCLcBGAs\/s1600\/cout.PNG\" alt=\"Source service-public.fr\" border=\"0\" data-original-height=\"365\" data-original-width=\"780\" \/><\/td><\/tr><tr><td class=\"tr-caption\" style=\"text-align: center;\"><span style=\"font-size: xx-small;\">Source service-public.fr<\/span><\/td><\/tr><\/tbody><\/table><div>\u00a0<\/div><p><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">La demande de pr\u00eat \u00e0 taux z\u00e9ro peut \u00eatre adress\u00e9e \u00e0 l'\u00e9tablissement de cr\u00e9dit de votre choix. L'\u00e9tablissement devra simplement avoir pass\u00e9 une <b>convention avec l'\u00c9tat<\/b>. Mais comme pour tout autre pr\u00eat, votre banque n'a pas l'obligation de vous accorder le pr\u00eat. Il est de sa responsabilit\u00e9 d'appr\u00e9cier votre solvabilit\u00e9 et vos garanties de remboursement.<\/span><\/span><\/p><div><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">\u00a0<\/span><\/span><\/div><div><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Maintenant que toutes les conditions sont pos\u00e9es, quels sont les motifs qui vous permettraient de louer un bien que vous auriez achet\u00e9 gr\u00e2ce \u00e0 un PTZ ?<\/span><\/span><\/div><div><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">\u00a0<\/span><\/span><\/div><p><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">On en d\u00e9nombre 6 principales :<\/span><\/span><\/p><ul><li><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">la mobilit\u00e9 professionnelle, <\/span><\/span><\/li><li><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">le d\u00e9c\u00e8s, <\/span><\/span><\/li><li><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">le divorce,<\/span><\/span><\/li><li><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">a dissolution d\u2019un Pacs, <\/span><\/span><\/li><li><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">une p\u00e9riode de ch\u00f4mage sup\u00e9rieure \u00e0 un an, <\/span><\/span><\/li><li><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">la survenance d\u2019une invalidit\u00e9.<\/span><\/span><\/li><\/ul><p><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Cette liste est non exhaustive et s\u2019appr\u00e9ciera au cas par cas.<\/span><\/span><br \/><br \/><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Toutefois, la location ne devra pas exc\u00e9der une dur\u00e9e maximale de <b>6 ans<\/b>.<\/span><\/span><br \/><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\"><br \/><\/span><\/span><br \/><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Retrouvez l'explication audio des conditions dans l'article MySweetImmo qui est <a href=\"https:\/\/www.mysweetimmo.com\/2019\/01\/07\/sous-quelles-conditions-a-t-on-le-droit-de-louer-un-bien-achete-grace-a-un-pret-a-taux-zero\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>ici<\/u><\/span><\/a>.<\/span><\/span><br \/><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\"><br \/><\/span><\/span><br \/><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Bon investissement,<\/span><\/span><\/p><div style=\"-webkit-text-stroke-width: 0px; color: black; font-family: 'Times New Roman'; font-size: medium; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-color: initial; text-decoration-style: initial; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;\"><div style=\"margin: 0px;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\"><span style=\"color: #006fad;\"><b>Monsieur Hugo<\/b><\/span>,<\/span><\/span><\/div><\/div><div style=\"-webkit-text-stroke-width: 0px; color: black; font-family: 'Times New Roman'; font-size: medium; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-decoration-color: initial; text-decoration-style: initial; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;\"><div style=\"margin: 0px;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Votre assistant personnel en gestion locative<\/span><\/span><\/div><div style=\"-webkit-text-stroke-width: 0px; color: black; font-family: 'Times New Roman'; font-size: medium; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; margin: 0px; orphans: 2; text-align: start; text-decoration-color: initial; text-decoration-style: initial; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;\"><div style=\"margin: 0px;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif; font-size: large;\"><br \/><\/span><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Inscrivez-vous d\u00e8s maintenant \u00e0 ma\u00a0<\/span><\/span><a href=\"https:\/\/www.monsieurhugo.com\/blog\/p\/blog-page.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u><b><span style=\"font-size: large;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\">NEWSLETTER<\/span><\/span><\/b><\/u><\/span><\/a><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">, pour b\u00e9n\u00e9ficier de conseils sur la\u00a0<b>gestion locative en ligne<\/b>\u00a0et\u00a0<span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\">\u00eatre averti<span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\">s des \u00e9volutions importantes pour louer en toute s\u00e9curit\u00e9.<\/span><\/span><\/span><\/span><\/div><\/div><div style=\"-webkit-text-stroke-width: 0px; color: black; font-family: 'Times New Roman'; font-size: medium; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; margin: 0px; orphans: 2; text-align: start; text-decoration-color: initial; text-decoration-style: initial; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;\"><div style=\"margin: 0px;\">\u00a0<\/div><\/div><div style=\"-webkit-text-stroke-width: 0px; color: black; font-family: 'Times New Roman'; font-size: medium; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; margin: 0px; orphans: 2; text-align: start; text-decoration-color: initial; text-decoration-style: initial; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;\"><div style=\"margin: 0px;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><b>Retrouvez-moi sur\u00a0<\/b><a href=\"https:\/\/www.facebook.com\/assistantmonsieurhugo\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Facebook<\/u><\/span><\/a><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/div><\/div><div style=\"-webkit-text-stroke-width: 0px; color: black; font-family: 'Times New Roman'; font-size: medium; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; margin: 0px; orphans: 2; text-align: start; text-decoration-color: initial; text-decoration-style: initial; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;\"><div style=\"margin: 0px;\">\u00a0<\/div><\/div><div style=\"-webkit-text-stroke-width: 0px; color: black; font-family: 'Times New Roman'; font-size: medium; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; letter-spacing: normal; margin: 0px; orphans: 2; text-align: start; text-decoration-color: initial; text-decoration-style: initial; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;\"><div style=\"margin: 0px;\"><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">Je vous conseille aussi :<\/span><\/span><br \/><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">> <a href=\"https:\/\/www.monsieurhugo.com\/blog\/2018\/03\/comment-calculer-la-rentabilite-dun.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Comment calculer la rentabilit\u00e9 d'un bien lou\u00e9 ?<\/u><\/span><\/a><\/span><\/span><br \/><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">> <a href=\"https:\/\/www.monsieurhugo.com\/blog\/2018\/12\/impot-la-source-les-francais-ont-peur.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Imp\u00f4t \u00e0 la source : les Fran\u00e7ais ont peur du pr\u00e9l\u00e8vement \u00e0 la source<\/u><\/span><\/a><\/span><\/span><br \/><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">> <a href=\"https:\/\/www.monsieurhugo.com\/blog\/2018\/01\/garants-modele-lettre-gratuit.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Les garants - Mod\u00e8le de lettre gratuit pour se porter caution d'un locataire<\/u><\/span><\/a><\/span><\/span><br \/><span style=\"font-family: 'arial' , 'helvetica' , sans-serif;\"><span style=\"font-size: large;\">> <a href=\"https:\/\/www.monsieurhugo.com\/blog\/2018\/01\/bail-de-location-loi-alur-modele-gratuit-telecharger.html\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: blue;\"><u>Tout savoir sur le contrat de location. T\u00e9l\u00e9chargez votre bail gratuit<\/u><\/span><\/a><\/span><\/span><\/div><\/div><\/div>","_et_gb_content_width":"","footnotes":""},"categories":[46],"tags":[],"class_list":["post-351323","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-immobilier"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Sous quelles conditions a-t-on le droit de louer un bien achet\u00e9 gr\u00e2ce \u00e0 un pr\u00eat \u00e0 taux z\u00e9ro ? - Monsieur Hugo<\/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.monsieurhugo.com\/blog\/2019\/12\/31\/sous-quelles-conditions-t-on-le-droit\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Sous quelles conditions a-t-on le droit de louer un bien achet\u00e9 gr\u00e2ce \u00e0 un pr\u00eat \u00e0 taux z\u00e9ro ? - Monsieur Hugo\" \/>\n<meta property=\"og:description\" content=\"Quels sont les principaux 6 motifs qui vous autorisent \u00e0 louer un bien achet\u00e9 avec un pr\u00eat \u00e0 taux z\u00e9ro ? Le pr\u00eat \u00e0 taux z\u00e9ro, dit PTZ, est un pr\u00eat gratuit aid\u00e9 par L\u2019\u00c9tat. Vous devrez en fait rembourser son montant sans avoir \u00e0 payer d&#039;int\u00e9r\u00eats dessus. 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