{"id":2398,"date":"2022-03-22T12:09:09","date_gmt":"2022-03-22T12:09:09","guid":{"rendered":"https:\/\/rouzade.com\/?p=2398"},"modified":"2024-05-06T11:33:56","modified_gmt":"2024-05-06T09:33:56","slug":"pel-nakopitelnyj-schet-dajushhij-pravo-na-kredit-s-fiksirovannoj-stavkoj","status":"publish","type":"post","link":"https:\/\/rouzade.com\/fr\/pel-nakopitelnyj-schet-dajushhij-pravo-na-kredit-s-fiksirovannoj-stavkoj\/","title":{"rendered":"PEL - compte \u00e9pargne donnant droit \u00e0 un pr\u00eat \u00e0 taux fixe"},"content":{"rendered":"<p>Le PEL est un plan d&#039;\u00e9pargne pour l&#039;achat de votre r\u00e9sidence principale ou pour financer des travaux de r\u00e9novation ou d&#039;agrandissement. Vous pouvez \u00e9galement d\u00e9penser les fonds aux m\u00eames fins pour vos parents ou vos enfants. Ce plan est r\u00e9serv\u00e9 aux particuliers, adultes et enfants.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contenu<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Basculer la table des mati\u00e8res\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Basculer<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #000000;color:#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #000000;color:#000000\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rouzade.com\/fr\/pel-nakopitelnyj-schet-dajushhij-pravo-na-kredit-s-fiksirovannoj-stavkoj\/#%d0%a1%d1%80%d0%be%d0%ba_%d0%b4%d0%b5%d0%b9%d1%81%d1%82%d0%b2%d0%b8%d1%8f_pel\" >Dur\u00e9e de validit\u00e9 du PEL<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rouzade.com\/fr\/pel-nakopitelnyj-schet-dajushhij-pravo-na-kredit-s-fiksirovannoj-stavkoj\/#%d0%9f%d1%80%d0%b0%d0%b2%d0%b0_%d0%bd%d0%b0_%d0%ba%d1%80%d0%b5%d0%b4%d0%b8%d1%82\" >Droits de cr\u00e9dit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rouzade.com\/fr\/pel-nakopitelnyj-schet-dajushhij-pravo-na-kredit-s-fiksirovannoj-stavkoj\/#%d0%97%d0%b0%d0%ba%d1%80%d1%8b%d1%82%d0%b8%d0%b5_pel\" >Cl\u00f4ture du PEL<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rouzade.com\/fr\/pel-nakopitelnyj-schet-dajushhij-pravo-na-kredit-s-fiksirovannoj-stavkoj\/#%d0%9d%d0%b0%d0%bb%d0%be%d0%b3%d0%be%d0%be%d0%b1%d0%bb%d0%b0%d0%b6%d0%b5%d0%bd%d0%b8%d0%b5\" >Imposition<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rouzade.com\/fr\/pel-nakopitelnyj-schet-dajushhij-pravo-na-kredit-s-fiksirovannoj-stavkoj\/#%d0%9f%d0%b5%d1%80%d0%b5%d0%b4%d0%b0%d1%87%d0%b0_%d0%bf%d0%be_%d0%bd%d0%b0%d1%81%d0%bb%d0%b5%d0%b4%d1%81%d1%82%d0%b2%d1%83\" >H\u00e9ritage<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a1%d1%80%d0%be%d0%ba_%d0%b4%d0%b5%d0%b9%d1%81%d1%82%d0%b2%d0%b8%d1%8f_pel\"><\/span>Dur\u00e9e de validit\u00e9 du PEL<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Ce compte d&#039;\u00e9pargne est ouvert pour une dur\u00e9e minimale de 4 ans et une dur\u00e9e maximale de 10 ans. En fin de contrat, il est impossible de le reconstituer, alors que l&#039;\u00e9pargne continue d&#039;\u00eatre capitalis\u00e9e pendant 5 ans.<\/p>\n<p>Le PEL ouvert \u00e0 partir du 01\/03\/2011 au bout de 5 ans devient un d\u00e9p\u00f4t r\u00e9gulier, \u00e0 condition que des fonds n&#039;en aient pas \u00e9t\u00e9 retir\u00e9s.<\/p>\n<blockquote><p>Le plafond d&#039;\u00e9pargne maximum est de 61 200 \u20ac (hors int\u00e9r\u00eats cumul\u00e9s).<\/p><\/blockquote>\n<p>Le retour sur \u00e9pargne est de 1% pour les comptes ouverts \u00e0 partir du 01.08.2016.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9f%d1%80%d0%b0%d0%b2%d0%b0_%d0%bd%d0%b0_%d0%ba%d1%80%d0%b5%d0%b4%d0%b8%d1%82\"><\/span>Droits de cr\u00e9dit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2406\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/03\/1.jpg\" alt=\"\u043a\u0440\u0435\u0434\u0438\u0442, pel\" width=\"940\" height=\"788\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/03\/1.jpg 940w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/03\/1-300x251.jpg 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/03\/1-768x644.jpg 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/03\/1-696x583.jpg 696w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/03\/1-501x420.jpg 501w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/p>\n<p>Pour les comptes ouverts \u00e0 partir du 01\/03\/2011, 5 ans apr\u00e8s l&#039;ouverture, vous devez contracter un emprunt, sinon le compte devient un d\u00e9p\u00f4t r\u00e9gulier. Le PEL vous donne droit \u00e0 un pr\u00eat immobilier :<\/p>\n<ul>\n<li>d&#039;un montant maximum de 92 milliers\/\u20ac,<\/li>\n<li>pour une dur\u00e9e de 2 \u00e0 15 ans,<\/li>\n<li>pour les comptes ouverts \u00e0 compter du 01\/08\/2016, le taux du pr\u00eat est fix\u00e9 \u00e0 2,2%.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%d0%97%d0%b0%d0%ba%d1%80%d1%8b%d1%82%d0%b8%d0%b5_pel\"><\/span>Cl\u00f4ture du PEL<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Le plan doit \u00eatre enti\u00e8rement liquid\u00e9 ; il n&#039;est pas possible de retirer aucun des fonds. La fermeture est possible \u00e0 tout moment. Si le bouclage intervient moins de 3 ans apr\u00e8s le versement de l&#039;acompte, les droits au pr\u00eat et \u00e0 percevoir la prime sont perdus.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9d%d0%b0%d0%bb%d0%be%d0%b3%d0%be%d0%be%d0%b1%d0%bb%d0%b0%d0%b6%d0%b5%d0%bd%d0%b8%d0%b5\"><\/span>Imposition<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Les b\u00e9n\u00e9fices des PEL ouverts depuis 2018 sont impos\u00e9s \u00e0 12,8% PFNL.<\/p>\n<ul>\n<li>Une exon\u00e9ration du pr\u00e9l\u00e8vement forfaitaire obligatoire est possible pour les contribuables dont le revenu imposable N-2 \u00e9tait inf\u00e9rieur \u00e0 25K\u20ac pour une personne seule ou \u00e0 50K\u20ac pour un couple soumis \u00e0 l&#039;imposition commune.<\/li>\n<li>Au choix irr\u00e9vocable du contribuable, les int\u00e9r\u00eats peuvent \u00eatre impos\u00e9s au taux progressif de l&#039;IR. Cette option s&#039;applique \u00e0 tous les revenus et PV, qui sont soumis \u00e0 la m\u00eame fiscalit\u00e9 ; cela se fait chaque ann\u00e9e lors de la d\u00e9claration des revenus.<\/li>\n<\/ul>\n<p>Les b\u00e9n\u00e9fices du PEL ouvert \u00e0 compter du 01\/03\/2011 sont soumis aux cotisations sociales de 17,2%.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9f%d0%b5%d1%80%d0%b5%d0%b4%d0%b0%d1%87%d0%b0_%d0%bf%d0%be_%d0%bd%d0%b0%d1%81%d0%bb%d0%b5%d0%b4%d1%81%d1%82%d0%b2%d1%83\"><\/span>H\u00e9ritage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Apr\u00e8s le d\u00e9c\u00e8s du titulaire du compte, les fonds du PEL sont g\u00e9n\u00e9ralement bloqu\u00e9s et vont \u00e0 la succession.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2280\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/01\/1.jpg\" alt=\"\u0430\u0434\u0432\u043e\u043a\u0430\u0442 \u043e\u0442\u0432\u0435\u0447\u0430\u0435\u0442 \u043d\u0430 \u0432\u0430\u0448\u0438 \u0432\u043e\u043f\u0440\u043e\u0441\u044b\" width=\"940\" height=\"788\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/01\/1.jpg 940w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/01\/1-300x251.jpg 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/01\/1-768x644.jpg 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/01\/1-696x583.jpg 696w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/01\/1-501x420.jpg 501w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/p>\n<p>La particularit\u00e9 du transfert de PEL est qu\u2019il peut \u00eatre transf\u00e9r\u00e9 par testament. Dans le cas o\u00f9 le compte <strong>valable avec r\u00e9approvisionnement automatique<\/strong>, alors l&#039;h\u00e9ritier, avec le consentement des autres h\u00e9ritiers, peut continuer le PEL, aux conditions qui ont \u00e9t\u00e9 sign\u00e9es par le testateur avec la banque. Si l\u2019h\u00e9ritier poss\u00e8de d\u00e9j\u00e0 du PEL, il peut le geler.<\/p>","protected":false},"excerpt":{"rendered":"<p>D\u00e9couvrez le PEL, un plan d&#039;\u00e9pargne pour acheter votre r\u00e9sidence principale ou financer des r\u00e9novations ou des extensions.<\/p>","protected":false},"author":1,"featured_media":2405,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[6],"tags":[366],"class_list":{"0":"post-2398","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-blog","8":"tag-finance"},"acf":[],"yoast_head":"<title>\u041e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u043d\u0430\u043a\u043e\u043f\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0433\u043e \u0441\u0447\u0435\u0442\u0430 PEL \u043d\u0430 ROUZADE.COM<\/title>\n<meta name=\"description\" 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