{"id":36350,"date":"2014-01-06T10:33:55","date_gmt":"2014-01-06T09:33:55","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/placements\/prime-d-etat-du-plan-d-epargne-logement-pel-comment-la-toucher.html"},"modified":"2022-01-11T18:33:57","modified_gmt":"2022-01-11T17:33:57","slug":"prime-d-etat-du-plan-d-epargne-logement-pel-comment-la-toucher","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/placements\/prime-d-etat-du-plan-d-epargne-logement-pel-comment-la-toucher.html","title":{"rendered":"Prime d\u2019Etat du plan d\u2019\u00e9pargne logement (PEL) : comment la toucher en 2022"},"content":{"rendered":"<p>Acc\u00e9der \u00e0 la prime d\u2019\u00c9tat du plan d&rsquo;\u00e9pargne logement (PEL), c&rsquo;est possible, mais pas \u00e0 n&rsquo;importe quelle condition et pas pour tout le monde. Plusieurs crit\u00e8res viennent r\u00e9gir son octroi, notamment la date d&rsquo;ouverture du compte et le montant du pr\u00eat souscrit. Explications.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Plafond_de_1525_euros_pour_les_vieux_PEL\"><\/span><a name=\"plafond\"><\/a>Plafond de 1.525 euros pour les vieux PEL<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Instaur\u00e9e par la loi n\u00b065-554 du 10 juillet 1965 qui a institu\u00e9 le PEL, la prime d\u2019\u00c9tat est <em>\u00ab une prime d&rsquo;\u00e9pargne dont le montant est fix\u00e9 compte tenu de leur [des \u00e9pargnants] effort d&rsquo;\u00e9pargne \u00bb<\/em>. Comme les int\u00e9r\u00eats d&rsquo;un PEL, elle est <strong>exon\u00e9r\u00e9e d&rsquo;imp\u00f4t sur le revenu<\/strong> mais soumise aux pr\u00e9l\u00e8vements sociaux, de 17,2%. Le bonus de r\u00e9mun\u00e9ration peut s&rsquo;av\u00e9rer extr\u00eamement int\u00e9ressant. En 2022, cette prime est \u00e9gale \u00e0 50% des int\u00e9r\u00eats acquis sur un PEL, dans une limite variable en fonction de la date de souscription du plan et de l&rsquo;affection de l&rsquo;\u00e9pargne d\u00e9bloqu\u00e9e.<\/p>\n<p>Les conditions d&rsquo;octroi de la prime d\u2019\u00c9tat varient selon la date de souscription du PEL.<\/p>\n<p>Ainsi, pour les PEL ouverts avant le 12 d\u00e9cembre 2002, la prime est plafonn\u00e9e \u00e0 1.525 euros et est ajout\u00e9e aux int\u00e9r\u00eats accumul\u00e9s tout au long de la dur\u00e9e du plan. Aucune condition ne r\u00e9glemente l&rsquo;octroi de la prime. Les titulaires d&rsquo;un plan d&rsquo;\u00e9pargne logement souscrit entre le 12 d\u00e9cembre 2002 et le 28 f\u00e9vrier 2011 d\u00e9sirant b\u00e9n\u00e9ficier de la prime doivent quant \u00e0 eux utiliser leurs droits \u00e0 pr\u00eats pour toucher la prime. Dans le cas contraire, celle-ci n&rsquo;est pas accord\u00e9e.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Majoration_pour_personne_a_charge_et_logement_%C2%AB_vert_%C2%BB\"><\/span><a name=\"majoration\"><\/a>Majoration pour personne \u00e0 charge et logement \u00ab vert \u00bb<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Les \u00e9pargnants ayant ouvert leur PEL apr\u00e8s le 28 f\u00e9vrier 2011, apr\u00e8s l&rsquo;entr\u00e9e en vigueur de la \u00ab r\u00e9forme Lagarde \u00bb du PEL (en r\u00e9f\u00e9rence \u00e0 la ministre de l&rsquo;Economie de l&rsquo;\u00e9poque) doivent souscrire un pr\u00eat d&rsquo;un <strong>montant minimum de 5.000 euros pour obtenir une prime<\/strong>. Celle-ci est plafonn\u00e9e \u00e0 1.000 euros dans ce cas, sauf si l&rsquo;\u00e9pargnant met \u00e0 profit son emprunt pour financer l&rsquo;achat d&rsquo;un logement \u00ab vert \u00bb, r\u00e9pondant \u00e0 certaines exigences en termes de performance \u00e9nerg\u00e9tique. La prime maximum accord\u00e9e se monte alors \u00e0 1.525 euros.<\/p>\n<p>Enfin, les \u00e9pargnants qui activent leurs droits \u00e0 pr\u00eat peuvent profiter d&rsquo;une majoration de la prime d&rsquo;Etat. Elle atteint 10% du montant de la prime par personne \u00e0 charge et vivant au foyer du d\u00e9tenteur du PEL et est plafonn\u00e9e \u00e0 100 euros. <em>\u00ab Ce maximum est port\u00e9 \u00e0 153 euros lorsque le pr\u00eat conditionnant le versement de la prime contribue au financement d&rsquo;une op\u00e9ration d&rsquo;acquisition ou de construction d&rsquo;un logement \u00bb<\/em> vert, pr\u00e9cise un arr\u00eat\u00e9 du 25 f\u00e9vrier 2011.<\/p>\n<p>Le taux d&rsquo;int\u00e9r\u00eat du pr\u00eat \u00e9pargne logement d\u00e9pend de la date de souscription du PEL. Depuis le 1er ao\u00fbt 2016, le <strong>taux des pr\u00eats octroy\u00e9s via un PEL est arr\u00eat\u00e9 \u00e0 2,20% <\/strong>(1% + 1,20% de frais de gestion et de frais financiers), un niveau sup\u00e9rieur au<a href=\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/taux-de-credit-immobilier-taux-immobilier-et-historique\" target=\"_blank\" rel=\"noopener noreferrer\"><strong> taux de cr\u00e9dit immobilier<\/strong> <\/a>distribu\u00e9s par les \u00e9tablissements sp\u00e9cialis\u00e9s et les banques (<strong>1,17% fin 2020<\/strong> selon l&rsquo;Observatoire Cr\u00e9dit Logement\/CSA).<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Suppression_du_versement_de_la_prime_dEtat_pour_les_plans_ouverts_depuis_2018\"><\/span><a name=\"suppression\"><\/a>Suppression du versement de la prime d&rsquo;Etat pour les plans ouverts depuis 2018<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Le gouvernement a d\u00e9cid\u00e9 de mettre un terme au versement de la prime d&rsquo;Etat pour tout PEL ouvert depuis le 1er janvier 2018, qu&rsquo;il y ait transformation du plan en emprunt immobilier ou non. Cette mesure est inscrite dans la<strong><a href=\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/loi-de-finances-2018-mesures\" target=\"_blank\" rel=\"noopener noreferrer\"> loi de finances pour 2018<\/a><\/strong>.<\/p>\n<p>Tout PEL ouvert en 2021 ou en 2022 est concern\u00e9 par cette restriction.<\/p>\n<p>Cette suppression ne concernant que les nouveaux plans, les conditions d&rsquo;octroi de la prime d\u2019\u00c9tat sont maintenues pour tout PEL ouvert le 31 d\u00e9cembre 2017 au plus tard.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>D\u00e9tenir un plan d&rsquo;\u00e9pargne logement peut permettre d&rsquo;obtenir une prime d&rsquo;Etat lorsque l&rsquo;\u00e9pargnant souscrit un pr\u00eat \u00e0 la fin de son PEL. Qui y a droit ou non, \u00e0 quel taux et quels sont les crit\u00e8res \u00e0 respecter ? Quels PEL sont concern\u00e9s par la suppression de la prime d&rsquo;Etat ?<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"author":13718,"featured_media":46737,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[],"class_list":["post-36350","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-epargne-bancaire"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Prime d\u2019Etat du plan d\u2019\u00e9pargne logement (PEL) : comment la toucher en 2022<\/title>\n<meta name=\"description\" content=\"D\u00e9tenir un plan d&#039;\u00e9pargne logement permet d&#039;obtenir une prime d&#039;Etat lorsqu&#039;on souscrit un pr\u00eat \u00e0 la fin de son PEL. 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