Maître Jeremy MAINGUY

Avocat au barreau de l'Aveyron

Avocat titulaire d'un certificat de spécialisation en Droit immobilier

Compétences : Droit immobilier, Droit de la famille, des personnes et de leur patrimoine, Droit du dommage corporel, Droit commercial, des affaires et de la concurrence, Droit des assurances, Droit des sociétés commerciales et professionnelles, Mesures conservatoires

Barreau : Aveyron

Adresse : 2 RUE PASTEUR 12000 RODEZ

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Publié le 07/01/2024

La durée du prêt immobilier s’allonge (sous conditions) à 27 ans

Article juridique - Droit immobilier

Par Me Jeremy MAINGUY

La durée du prêt immobilier s’allonge (sous conditions) à 27 ans

Dans une décision récente du 18 décembre 2023, le ministère de l’Économie et la Banque de France, au sein du Haut Conseil de stabilité financière (HCSF), ont annoncé un ajustement des règles régissant le crédit immobilier en France. Cette mesure vise à stimuler le marché immobilier, notamment en allongeant la durée maximale des prêts immobiliers.

Désormais, il est possible d'obtenir un prêt immobilier sur une durée étendue de 27 ans, contre 25 ans auparavant. Cette extension est conditionnée à l'affectation d'au moins 10 % du montant total de l'emprunt à des travaux de rénovation du bien immobilier. Ces travaux peuvent inclure la modernisation, l'assainissement, l'aménagement ou encore la rénovation énergétique du bien.

Avant cette réforme, les prêts d'une durée de 27 ans étaient déjà possibles, mais ils exigeaient que les travaux représentent au moins 25 % du montant total de l'emprunt. Cette nouvelle réglementation assouplit donc les conditions, rendant l'accès au crédit plus flexible pour les acquéreurs souhaitant investir dans la rénovation de leur bien.

Cette décision est une aubaine pour les futurs propriétaires et investisseurs immobiliers, notamment dans des régions comme Rodez, Albi, Mende et l'Hérault, où le marché immobilier peut bénéficier de cette impulsion. Elle encourage également les initiatives de rénovation, particulièrement pertinentes dans le contexte actuel de transition énergétique et de développement durable.

Notre cabinet, situé à Rodez et intervenant dans le Tarn, à Mende, ainsi que dans l'Hérault, est prêt à vous accompagner dans vos projets immobiliers, en vous fournissant des conseils juridiques adaptés à ces nouvelles dispositions. Nous sommes à votre disposition pour vous aider à naviguer dans ce paysage réglementaire en évolution et à optimiser vos investissements immobiliers.

Pour plus d'informations ou pour prendre rendez-vous, n'hésitez pas à visiter notre site web.

Cet article n'engage que son auteur et ne substitue pas à une étude juridique de chaque projet et de chaque dossier afin de déterminer la solution la plus adaptée.

SELAS RUDELLE-VIMINI-MAINGUY

membre du réseau AGN AVOCATS

Société d'avocats inscrite au Barreau de l'AVEYRON à RODEZ (12)

2, rue Pasteur 12000 RODEZ

Tél : 05 65 68 60 65 E-mail : contact-rodez@agn-avocats.fr