{"id":1677,"date":"2009-10-11T17:10:39","date_gmt":"2009-10-11T17:10:39","guid":{"rendered":"http:\/\/localhost\/wordpress\/2009\/10\/11\/prt-taux-zro\/"},"modified":"2009-10-11T17:10:39","modified_gmt":"2009-10-11T17:10:39","slug":"prt-taux-zro","status":"publish","type":"post","link":"https:\/\/snuipp86.fr\/index.php\/2009\/10\/11\/prt-taux-zro\/","title":{"rendered":"Pr\u00eat \u00e0 taux z\u00e9ro."},"content":{"rendered":"
\n

Le dispositif \u00a0\u00bbPr\u00eat \u00e0 taux z\u00e9ro\u00a0\u00bb est en vigueur depuis le 25 septembre 2009. Il s’adresse aux enseignants titulaires qui ach\u00e8tent leur logement principal :<\/p>\n

– soit l’ann\u00e9e de leur premi\u00e8re affectation ;<\/p>\n

– soit suite \u00e0 un changement de d\u00e9partement dans le cadre d’une mutation interd\u00e9partementale.<\/p>\n<\/div>\n

\n

Les int\u00e9r\u00eats de ce pr\u00eat sont pris en charge par le minist\u00e8re de l’\u00e9ducation nationale.<\/p>\n

Montant du pr\u00eat<\/p>\n

Le montant individuel du pr\u00eat est de 30 000 \u20ac<\/strong> dans le cas d’une premi\u00e8re acquisition<\/strong> (cette condition de primo-acc\u00e9dant se d\u00e9finit comme un emprunteur n’ayant \u00e0 aucun moment, au cours des 2 ann\u00e9es pr\u00e9c\u00e9dant l’offre de pr\u00eat, \u00e9t\u00e9 propri\u00e9taires de leur r\u00e9sidence principale) et de 15 000 \u20ac dans le cas d’un achat apr\u00e8s revente.<\/p>\n

Le montant \u00e9tant individuel, un couple d’enseignants<\/strong> ouvrant tous deux droit au pr\u00eat peut donc b\u00e9n\u00e9ficier d’un pr\u00eat d’un montant maximal de 60 000 \u20ac<\/strong> pour une premi\u00e8re acquisition ou de 30 000 \u20ac sinon.<\/p>\n

Le montant du pr\u00eat doit n\u00e9anmoins couvrir au maximum 50 % de l’endettement total :<\/strong><\/p>\n

Exemple : un couple d’enseignants n\u00e9o-titulaires ach\u00e8te un appartement et doit emprunter 100 000 \u20ac. Ils ont th\u00e9oriquement droit \u00e0 60 000 \u20ac de pr\u00eat \u00e0 taux z\u00e9ro ; mais le montant maximal possible en r\u00e9alit\u00e9 sera de 50 000 \u20ac.<\/p>\n

Dur\u00e9e du pr\u00eat<\/p>\n

Le pr\u00eat peut se souscrire pour une dur\u00e9e de remboursement de 2 ans \u00e0 10 ans.<\/strong> Les \u00e9ch\u00e9ances sont mensuelles et constantes.<\/p>\n

Banque et assurance<\/p>\n

Suite \u00e0 appel d’offre, la seule banque habilit\u00e9e \u00e0 d\u00e9livrer ce pr\u00eat est la Banque postale.
\nLa MGEN cautionne et assure ce pr\u00eat pour ses adh\u00e9rents dans le cadre d’un partenariat avec la Banque postale.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Le dispositif \u00a0\u00bbPr\u00eat \u00e0 taux z\u00e9ro\u00a0\u00bb est en vigueur depuis le 25 septembre 2009. Il s’adresse aux enseignants titulaires qui ach\u00e8tent leur logement principal :
– soit l’ann\u00e9e de leur premi\u00e8re affectation ;
– soit suite \u00e0 un changement de d\u00e9partement dans le cadre d’une mutation interd\u00e9partementale.
Les int\u00e9r\u00eats de ce pr\u00eat sont pris en charge par le minist\u00e8re de l’\u00e9ducation nationale.
Montant du pr\u00eat
Le montant individuel du pr\u00eat est de 30 000 \u20ac dans le cas d’une premi\u00e8re acquisition (…)
\n–
\nSalaires, Indices, Indemnit\u00e9s, Primes, GIPA<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-1677","post","type-post","status-publish","format-standard","hentry","category-a-la-une"],"yoast_head":"\nPr\u00eat \u00e0 taux z\u00e9ro. - FSU-SNUipp 86<\/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:\/\/snuipp86.fr\/index.php\/2009\/10\/11\/prt-taux-zro\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pr\u00eat \u00e0 taux z\u00e9ro. - FSU-SNUipp 86\" \/>\n<meta property=\"og:description\" content=\"Le dispositif ''Pr\u00eat \u00e0 taux z\u00e9ro" est en vigueur depuis le 25 septembre 2009. Il s'adresse aux enseignants titulaires qui ach\u00e8tent leur logement principal : - soit l'ann\u00e9e de leur premi\u00e8re affectation ; - soit suite \u00e0 un changement de d\u00e9partement dans le cadre d'une mutation interd\u00e9partementale. Les int\u00e9r\u00eats de ce pr\u00eat sont pris en charge par le minist\u00e8re de l'\u00e9ducation nationale. Montant du pr\u00eat Le montant individuel du pr\u00eat est de 30 000 \u20ac dans le cas d'une premi\u00e8re acquisition (...) - Salaires, Indices, Indemnit\u00e9s, Primes, GIPA\" \/>\n<meta property=\"og:url\" content=\"https:\/\/snuipp86.fr\/index.php\/2009\/10\/11\/prt-taux-zro\/\" \/>\n<meta property=\"og:site_name\" content=\"FSU-SNUipp 86\" \/>\n<meta property=\"article:published_time\" content=\"2009-10-11T17:10:39+00:00\" \/>\n<meta name=\"author\" content=\"WP86Admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"WP86Admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/snuipp86.fr\/index.php\/2009\/10\/11\/prt-taux-zro\/\",\"url\":\"https:\/\/snuipp86.fr\/index.php\/2009\/10\/11\/prt-taux-zro\/\",\"name\":\"Pr\u00eat \u00e0 taux z\u00e9ro. - FSU-SNUipp 86\",\"isPartOf\":{\"@id\":\"https:\/\/snuipp86.fr\/#website\"},\"datePublished\":\"2009-10-11T17:10:39+00:00\",\"author\":{\"@id\":\"https:\/\/snuipp86.fr\/#\/schema\/person\/901b28b9ae1c7a63a6a940102e52a7a2\"},\"breadcrumb\":{\"@id\":\"https:\/\/snuipp86.fr\/index.php\/2009\/10\/11\/prt-taux-zro\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/snuipp86.fr\/index.php\/2009\/10\/11\/prt-taux-zro\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/snuipp86.fr\/index.php\/2009\/10\/11\/prt-taux-zro\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/snuipp86.fr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Pr\u00eat \u00e0 taux z\u00e9ro.\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/snuipp86.fr\/#website\",\"url\":\"https:\/\/snuipp86.fr\/\",\"name\":\"FSU-SNUipp 86\",\"description\":\"Des id\u00e9es qui font l'\u00e9cole\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/snuipp86.fr\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/snuipp86.fr\/#\/schema\/person\/901b28b9ae1c7a63a6a940102e52a7a2\",\"name\":\"WP86Admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/snuipp86.fr\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/0099845c7ec05dc10d777d8ab4f5142c5ba316283821af2459738ad469a37a1a?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/0099845c7ec05dc10d777d8ab4f5142c5ba316283821af2459738ad469a37a1a?s=96&d=mm&r=g\",\"caption\":\"WP86Admin\"},\"url\":\"https:\/\/snuipp86.fr\/index.php\/author\/wp86admin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Pr\u00eat \u00e0 taux z\u00e9ro. - FSU-SNUipp 86","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/snuipp86.fr\/index.php\/2009\/10\/11\/prt-taux-zro\/","og_locale":"fr_FR","og_type":"article","og_title":"Pr\u00eat \u00e0 taux z\u00e9ro. - FSU-SNUipp 86","og_description":"Le dispositif ''Pr\u00eat \u00e0 taux z\u00e9ro\" est en vigueur depuis le 25 septembre 2009. 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