{"id":1229,"date":"2016-04-06T15:39:50","date_gmt":"2016-04-06T13:39:50","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/toujours-plus-de-credit-conso-pour-financer-des-travaux"},"modified":"2021-07-28T15:38:13","modified_gmt":"2021-07-28T13:38:13","slug":"toujours-plus-de-credit-conso-pour-financer-des-travaux","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/toujours-plus-de-credit-conso-pour-financer-des-travaux","title":{"rendered":"Toujours plus de cr\u00e9dit conso pour financer des travaux"},"content":{"rendered":"<section class=\"l-section wpb_row height_small\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>Un cr\u00e9dit conso de 100.000 euros pour vos travaux, \u00e7a vous dit ? Ce sera bient\u00f4t possible. En vertu d&rsquo;une nouvelle directive europ\u00e9enne*, la limite de 75.000 euros impos\u00e9e aux pr\u00eats \u00e0 la consommation d\u00e9di\u00e9s au financement de travaux va dispara\u00eetre. Et ce d\u00e8s le 1er juillet 2016, comme le rappelle l&rsquo;ordonnance de transposition parue au Journal officiel du 26 mars.<\/p>\n<p style=\"background-color: #e5e5e5;\"><strong>Un seuil de 75.000 euros ?<\/strong> Depuis le 1er mai 2011, et jusqu&rsquo;au 30 juin 2016, les pr\u00eats travaux d&rsquo;un montant inf\u00e9rieur \u00e0 75.000 euros sont consid\u00e9r\u00e9s comme des cr\u00e9dits \u00e0 la consommation. Au-del\u00e0 de ce seuil, ils sont soumis \u00e0 la r\u00e9glementation des cr\u00e9dits immobiliers.<\/p>\n<p>Plus pr\u00e9cis\u00e9ment, tous les pr\u00eats travaux seront des pr\u00eats \u00e0 la consommation, \u00e0 une exception : les cr\u00e9dits garantis par une hypoth\u00e8que ou un cautionnement. Dans ce cas de figure, le financement accord\u00e9 sera toujours un cr\u00e9dit immobilier.<\/p>\n<p>Concr\u00e8tement, les habitudes des Fran\u00e7ais ne vont cependant pas \u00eatre boulevers\u00e9es. Compte tenu du seuil de 75.000 euros, la grande majorit\u00e9 des pr\u00eats travaux sont d\u00e9j\u00e0 des cr\u00e9dits \u00e0 la consommation. A titre d&rsquo;exemple, seuls 4% des quelque 800.000 projets cautionn\u00e9s par Cr\u00e9dit Logement en 2015 \u00e9taient des cr\u00e9dits immobiliers d\u00e9di\u00e9s strictement au financement de travaux. L&rsquo;organisme indique toutefois ne pas pouvoir distinguer dans ses statistiques les pr\u00eats travaux qui ont \u00e9t\u00e9 englob\u00e9s dans le financement d&rsquo;un achat.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Des_taux_plus_eleves_en_credit_conso%E2%80%A6\"><\/span>Des taux plus \u00e9lev\u00e9s en cr\u00e9dit conso&#8230;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Autrement dit, vous allez continuer \u00e0 recourir au cr\u00e9dit conso pour vos projets de travaux, et m\u00eame plus qu&rsquo;avant. Principal d\u00e9savantage, les taux d&rsquo;int\u00e9r\u00eat propos\u00e9s s&rsquo;av\u00e8rent plus \u00e9lev\u00e9s que ceux r\u00e9serv\u00e9s \u00e0 l&rsquo;achat d&rsquo;un logement. De plus, il n&rsquo;est pas possible de \u00ab globaliser \u00bb le remboursement, c&rsquo;est-\u00e0-dire de r\u00e9unir le cr\u00e9dit immobilier et le pr\u00eat travaux sur une seule mensualit\u00e9.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%E2%80%A6_mais_plus_de_souplesse\"><\/span>&#8230; mais plus de souplesse<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>En revanche, les pr\u00eats \u00e0 la consommation offrent plus de flexibilit\u00e9. D\u00e9j\u00e0, ils permettent de financer n&rsquo;importe quels travaux, y compris ceux que vous r\u00e9alisez vous-m\u00eame, ce qui n&rsquo;est pas le cas d&rsquo;un cr\u00e9dit immobilier dont l&rsquo;octroi est conditionn\u00e9 \u00e0 l&rsquo;intervention d&rsquo;une entreprise. Surtout, la pr\u00e9sentation des factures n&rsquo;est pas requise et les fonds sont d\u00e9bloqu\u00e9s d\u00e8s que le dossier est accept\u00e9 : <em>a contrario<\/em>, les sommes sont vers\u00e9es dans un d\u00e9lai d&rsquo;un mois, voire plus, dans le cadre d&rsquo;un cr\u00e9dit immobilier.<\/p>\n<p><em>*Directive MCD (Mortgage Credit Directive) du 4 f\u00e9vrier 2014<\/em><\/p>\n<p>&nbsp;<\/p>\n<table style=\"background-color: #e0e0dd; width: 100%; border: #b0b0b0 thin solid;\" border=\"0\">\n<tbody>\n<tr>\n<td>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Leco-PTZ_pour_les_travaux_de_renovation\"><\/span>L\u2019\u00e9co-PTZ pour les travaux de r\u00e9novation<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Pour financer vos travaux de r\u00e9novation \u00e9nerg\u00e9tique, n\u2019oubliez pas l\u2019\u00e9co-PTZ ! Ce pr\u00eat \u00e0 taux z\u00e9ro d\u2019un montant maximal de 30.000 euros vous permet de financer certaines op\u00e9rations sans avoir \u00e0 supporter d\u2019int\u00e9r\u00eats de remboursement.<\/p>\n<p><a href=\"https:\/\/www.toutsurmesfinances.com\/immobilier\/eco-ptz-les-conditions-en-vigueur-en-2015.html#travaux-eligibles\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>La liste des travaux \u00e9ligibles \u00e0 l\u2019\u00e9co-PTZ<\/strong><\/a><\/p>\n<p>Il est possible de cumuler ce pr\u00eat aid\u00e9 ainsi avec <a href=\"https:\/\/www.toutsurmesfinances.com\/immobilier\/cidd-taux-et-travaux-eligibles-au-credit-d-impot-en-2014.html\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>le cr\u00e9dit d\u2019imp\u00f4t pour la transition \u00e9nerg\u00e9tique (CITE)<\/strong><\/a>. Depuis le 1er mars 2016, ce cumul est ouvert \u00e0 tous les m\u00e9nages, ind\u00e9pendamment de leurs revenus.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>A partir du 1er juillet 2016, tous les pr\u00eats travaux seront des cr\u00e9dits \u00e0 la consommation, ind\u00e9pendamment de leur montant, \u00e0 moins d&rsquo;\u00eatre couverts par une garantie. Pas de quoi bouleverser les habitudes des Fran\u00e7ais, qui ont d\u00e9j\u00e0 largement recours \u00e0 ce type de financement. \u00a0<\/p>\n","protected":false},"author":13710,"featured_media":1762,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-1229","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Toujours plus de cr\u00e9dit conso pour financer des travaux<\/title>\n<meta name=\"description\" content=\"A partir du 1er juillet 2016, tous les pr\u00eats travaux seront des cr\u00e9dits \u00e0 la consommation, ind\u00e9pendamment de leur montant, \u00e0 moins d&#039;\u00eatre couverts par une garantie. 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