Maître Raymond AUTEVILLE

Avocat au barreau de La Martinique

Avocat titulaire d'un certificat de spécialisation en Droit immobilier

Compétences : Droit immobilier, Droit des assurances, Droit de la famille, des personnes et de leur patrimoine, Droit du dommage corporel, Droit de la santé, Droit commercial, des affaires et de la concurrence, Droit du crédit et de la consommation, Mesures conservatoires, Droit du travail et social, Urbanisme, Procédure civile, Procédure d'appel, Droit pénal

Barreau : Martinique

Adresse : 51 rue Lazare CARNOT 97200 FORT DE FRANCE

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Mise en place du nouveau prêt à taux zero

Article juridique

Par Me Raymond AUTEVILLE

La réforme des aides à l'accession à la propriété a réalisé la fusion de trois aides (prêt à 0 % actuel, crédit d'impôt sur les intérêts d'emprunt immobilier et Pass-foncier) en une seule aide : le PTZ+(prêt ne portant pas intérêt, dénommé également « prêt à taux zéro + » ou « PTZ+ »).

Le décret n° 2010-1704 du 30 décembre 2010 - complété par un arrêté du 30 décembre 2010 (tous deux publiés au Journal Officiel 31 Décembre 2010 ) - prévoit les conditions d'octroi du PTZ+.

Ce prêt est destiné à financer la construction ou l'acquisition d'une première résidence principale et n'est pas soumis à des conditions de ressources.

Le logement ainsi financé sera soumis à l'obligation de rester la résidence principale des bénéficiaires pendant la durée du prêt, sauf exceptions.

Le montant du prêt, sa durée et un éventuel différé de remboursement sont fonction des caractéristiques du logement et des caractéristiques des bénéficiaires .

Le décret prévoit la remise par le demandeur du prêt d'un certain nombre de pièces justificatives lors de la demande de prêt, afin de prouver qu'il respecte les conditions.

Enfin, les suites en cas de mauvaise déclaration par l'emprunteur sont également prévues.

(D. n° 2010-1704, 30 déc. 2010 : Journal Officiel 31 Décembre 2010

A. 30 déc. 2010 : Journal Officiel 31 Décembre 2010)