Le prêt Pass-travaux, un sérieux coup de pouce pour vos travaux

Publié mardi 26 août 2014 Commenter 138
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Il n’est jamais évident de financer des travaux de grande ampleur et les prêts classiques et leurs taux d’intérêts peuvent parfois être dissuasifs. Le prêt Pass-travaux gagnerait à être plus connu et utilisé car il permet de bénéficier d’un financement à taux avantageux et avec relativement peu de conditions à remplir.

Conditions pour bénéficier du prêt Pass-travaux

La condition principale pour bénéficier du prêt Pass-travaux est d’être salarié, dirigeant salarié ou jeune retraité d’une entreprise non agricole. Cette entreprise ne doit pas nécessairement verser le « 1% logement » qui finance ce prêt. Le logement visé doit également être une résidence principale.

Par rapport à la tenue des travaux, ceux-ci doivent être entièrement réalisés par des entreprises pour que vous puissiez bénéficier du prêt Pass-travaux. Si ces entreprises ne fournissent pas tous les matériaux, prenez garde car l’achat de ces derniers ne doit pas dépasser 33% du budget total des travaux.

Les travaux en eux-mêmes n’ont que peu d’importance car la quasi-totalité de ceux-ci sont susceptibles de vous permettre d’obtenir un prêt Pass-travaux y compris ceux au sein d’une copropriété. Renseignez-vous toutefois si vous avez un doute. Sachez tout de même que la pose d’éléments type barrières, garages, piscines, cuisines équipées et revêtement extérieur du sol ne sont pas pris en compte. De même que les travaux liés à la décoration du logement.

Montant et intérêts du prêt Pass-travaux

Le prêt Pass-travaux est particulièrement intéressant et il vous permettra d’emprunter jusqu’à 8000 € (voire 9600 € dans des cas particuliers). Vous pouvez rembourser ce prêt sur maximum 10 ans. A savoir que son taux est fixé à 1,5 %.

Nous ne pouvons que vous conseiller de demander ce prêt assez tôt par rapport à l’avancement de vos travaux, les factures à présenter doivent ainsi dater de moins de 3 mois. Si vous avez besoin de cet argent pour démarrer ou finir vos aménagements, sachez qu’il est possible d’obtenir des versements partiels ou anticipés.

Comment souscrire au prêt Pass-travaux ?

Comme dit précédemment, le « 1% logement » est au cœur de ce prêt intéressant. Il vous faudra donc prendre contact avec un organiste gestionnaire type CIL ou CCI.

Posez toutes vos questions sur cet article

Vous vous posez une question sur l'article "Le prêt Pass-travaux, un sérieux coup de pouce pour vos travaux". Posez la sur qrmaison.com, notre site communautaire sur les travaux et la maison

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nglomerate of Buyers and Sellers who are ready to offer online digital consultancy at decent cost. exterior radon mitigation system
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Zwembad bouwen - il y a 16 heures
found Hubwit as a transparent s ite, and Sellers who are ready to offer online digital consultancy at decent cost. exterior radon mitigation system
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Zwembad bouwen - il y a 15 heures
Going to graduate school was a positive decision for me. I enjoyed the coursework, the presentations, the fellow students, and the professors. And since my company reimbursed 100% of the tuition, the only cost that I had to pay on my own was for books and supplies. Otherwise, I received a free master’s degree. All that I had to invest was my time. radon pumps
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