{"id":495,"date":"2021-01-30T00:00:00","date_gmt":"2021-01-29T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2016\/06\/30\/le-pret-ecologique\/"},"modified":"2021-12-14T16:51:40","modified_gmt":"2021-12-14T14:51:40","slug":"le-pret-ecologique","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/le-pret-ecologique\/","title":{"rendered":"Le pr\u00eat \u00e9cologique"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">De plus en plus de banques proposent des pr\u00eats \u00e9cologiques (\u00e9co-pr\u00eat ou pr\u00eat d\u00e9veloppement durable) pour financer les travaux favorisant les \u00e9conomies d'\u00e9nergie et la performance \u00e9nerg\u00e9tique dans les logements anciens (maison, appartement). Une enveloppe repr\u00e9sentant 2 % des fonds per\u00e7us au travers des livrets de d\u00e9veloppement durable (LDDS) sont ainsi allou\u00e9s par les banques pour financer ces pr\u00eats.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les conditions pour b\u00e9n\u00e9ficier d'un pr\u00eat \u00e9cologique<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Il n'est pas n\u00e9cessaire que vous ayez vous-m\u00eame un LDDS (livret de d\u00e9veloppement durable et solidaire). Comme pour tout pr\u00eat, la banque \u00e9tudiera votre dossier, notamment au regard de votre solvabilit\u00e9 et des garanties. Le taux d'int\u00e9r\u00eat de ces pr\u00eats est globalement plus bas que celui d'un pr\u00eat classique.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L'octroi d'un tel pr\u00eat \u00e9cologique est soumis \u00e0 la pr\u00e9sentation d'une attestation fournie (ou devis) par l'entreprise en charge des travaux \u00e0 effectuer au sein du bien immobilier (maison, appartement) et certifiant du bien fond\u00e9 \u00e9cologique de ces derniers. Autrement dit, vous ne pourrez pas b\u00e9n\u00e9ficier de ce pr\u00eat si vous comptez r\u00e9aliser vous-m\u00eame les travaux.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><br>Les travaux financ\u00e9s<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous souhaitez associer votre bien immobilier au respect de l'environnement, vous pouvez b\u00e9n\u00e9ficier d'un pr\u00eat \u00e9cologique ou d'un \u00e9co pr\u00eat pour certains travaux qui sont d\u00e9finis par le code des imp\u00f4ts, notamment :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon la nature des travaux, vous pouvez \u00eatre \u00e9ligible \u00e0 l'\u00e9co-pr\u00eat \u00e0 taux z\u00e9ro (\u00e9co-ptz) dont les conditions d'attribution ne sont pas soumises \u00e0 un plafond de ressources. Les deux pr\u00eats peuvent aussi venir se compl\u00e9ter si les montants des travaux d\u00e9passent les 30 000 euros.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><br>Les autres aides<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A c\u00f4t\u00e9 des pr\u00eats \u00e9cologiques, les aides sont nombreuses pour vous aider \u00e0 financer vos d\u00e9penses d'\u00e9conomies d'\u00e9nergie : l'Etat, les r\u00e9gions, les \u00e9tablissements publics, l'ANAH\u2026 vous proposent des subventions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pensez \u00e0 contacter tous ces organismes afin d'\u00e9tablir au mieux votre plan de financement en tenant compte de ces aides, et avant de contracter votre pr\u00eat \u00e9cologique.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour aller plus loin : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a target=\"_blank\" href=\"http:\/\/www.ademe.fr\/\" rel=\"noreferrer noopener\">Le site de l'ADEME<\/a><\/li><li><a target=\"_blank\" href=\"http:\/\/www.anah.fr\/\" rel=\"noreferrer noopener\">Le site de l'ANAH<\/a><\/li><\/ul>\n\n\n\n<div style=\"height:63px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h2 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h2>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 2240\"><use xlink:href=\"#wave\" href=\"#wave\"><\/use><\/svg><\/div>\n        \n\n<div class=\"carousel\" 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class=\"card__category\">J&#039;ach\u00e8te un bien<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Le Pr\u00eat \u00e0 Taux Z\u00e9ro (PTZ), comment \u00e7a marche ?<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:90,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/eco-ptz\/&quot;,&quot;title&quot;:&quot;L\\u0027\u00e9co-pr\u00eat \u00e0 taux z\u00e9ro 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loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Les diff\u00e9rents types de cr\u00e9dit...<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">L&#039;\u00e9co-pr\u00eat \u00e0 taux z\u00e9ro (\u00e9co-PTZ)<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/apport-personnel-_BD-1-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/apport-personnel-_BD-1-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/apport-personnel-_BD-1.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Le choix d&#039;un cr\u00e9dit adapt\u00e9 au...<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Financement immobilier : quel apport personnel ?<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>De plus en plus de banques proposent des pr\u00eats \u00e9cologiques (\u00e9co-pr\u00eat ou pr\u00eat d\u00e9veloppement durable) pour financer les travaux favorisant les \u00e9conomies d'\u00e9nergie et la performance \u00e9nerg\u00e9tique dans les logements anciens (maison, appartement). Une enveloppe repr\u00e9sentant 2 % des fonds per\u00e7us au travers des livrets de d\u00e9veloppement durable (LDDS) sont ainsi allou\u00e9s par les banques [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":5485,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":1,"views":7807,"viewed_at":"1778409378","newsletter":"0","_yoast_wpseo_primary_category":47,"footnotes":""},"categories":[46,47,277],"tags":[],"class_list":["post-495","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-le-credit-immobilier","category-les-differents-types-de-credit-immobilier","category-mes-credits"],"yoast_head":"<title>Le pr\u00eat \u00e9cologique - Les diff\u00e9rents types de cr\u00e9dit immobilier - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-pret-ecologique\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le pr\u00eat \u00e9cologique - Les diff\u00e9rents types de cr\u00e9dit immobilier - Les cl\u00e9s de la banque - Particulier\" \/>\n<meta property=\"og:description\" content=\"De plus en plus de banques proposent des pr\u00eats \u00e9cologiques (\u00e9co-pr\u00eat ou pr\u00eat d\u00e9veloppement durable) pour financer les travaux favorisant les \u00e9conomies d&#039;\u00e9nergie et la performance \u00e9nerg\u00e9tique dans les logements anciens (maison, appartement). 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