{"id":19462,"date":"2017-02-24T00:30:45","date_gmt":"2017-02-23T23:30:45","guid":{"rendered":"https:\/\/valoxy.org\/blog\/?p=19462"},"modified":"2024-09-26T17:01:48","modified_gmt":"2024-09-26T15:01:48","slug":"pret-locatif-social-ou-pls","status":"publish","type":"post","link":"https:\/\/valoxy.org\/blog\/pret-locatif-social-ou-pls\/","title":{"rendered":"Le pr\u00eat locatif social (PLS)"},"content":{"rendered":"<p>Le Pr\u00eat Locatif Social (PLS) est un<strong> pr\u00eat bancaire<\/strong> dont la vocation est d&rsquo;aider au financement de logements locatifs sociaux situ\u00e9s en priorit\u00e9 dans des zones o\u00f9 le march\u00e9 immobilier est \u00ab\u00a0tendu\u00a0\u00bb.<\/p>\n<p><strong>Il peut \u00e9galement financer des logements pour \u00e9tudiants et la construction de structures d\u2019accueil de personnes \u00e2g\u00e9es et handicap\u00e9es (sous conditions).<\/strong><\/p>\n<p class=\"p1\"><span class=\"s1\">Valoxy, cabinet d\u2019expertise comptable dans les Hauts de France, revient sur ce type particulier de pr\u00eat.<\/span><\/p>\n<h2>I. Caract\u00e9ristiques du PLS<\/h2>\n<p>Le pr\u00eat locatif social est un pr\u00eat bancaire, accord\u00e9 par un \u00e9tablissement de cr\u00e9dit. Sa particularit\u00e9 est d&rsquo;octroyer des avantages sp\u00e9cifiques \u00e0 son b\u00e9n\u00e9ficiaire.<img decoding=\"async\" class=\" wp-image-18888 alignright\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2017\/03\/recherche4-1.jpg\" alt=\"Le pr\u00eat locatif social\" width=\"148\" height=\"148\" srcset=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2017\/03\/recherche4-1.jpg 750w, https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2017\/03\/recherche4-1-300x300.jpg 300w, https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2017\/03\/recherche4-1-150x150.jpg 150w, https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2017\/03\/recherche4-1-45x45.jpg 45w\" sizes=\"(max-width: 148px) 100vw, 148px\" \/><\/p>\n<p><strong>Le PLS a pour objectif de financer des logements locatifs sociaux situ\u00e9s en priorit\u00e9 dans des zones o\u00f9 le march\u00e9 immobilier est \u00ab tendu \u00bb.<\/strong><\/p>\n<p>Il s\u2019adresse donc principalement \u00e0 tout investisseur qui ach\u00e8te un logement pour le louer (maison, appartement et m\u00eame des logements \u00e9tudiants ou des logements foyers).<\/p>\n<p>Le pr\u00eat locatif social est accord\u00e9 aux personnes physiques ou morales pouvant financer l&rsquo;op\u00e9ration par un apport en fonds propres au moins \u00e9gal \u00e0 10% du prix de revient pr\u00e9visionnel de l&rsquo;op\u00e9ration.<\/p>\n<p><strong>C&rsquo;est la Caisse des D\u00e9p\u00f4ts et Consignations qui octroie ce pr\u00eat bancaire. Il transite par le biais d&rsquo;une banque commerciale qui fait office d&rsquo;\u00e9tablissement pr\u00eateur.<\/strong><\/p>\n<p>L&rsquo;\u00e9tablissement pr\u00eateur doit donc avoir sign\u00e9 une convention avec la Caisse des D\u00e9p\u00f4ts et Consignations.<br \/>\nLes logements sont destin\u00e9s aux personnes dont les ressources ne d\u00e9passent pas 1,3 fois le plafond du pr\u00eat locatif \u00e0 usage social.<\/p>\n<p>Les locataires financ\u00e9s par le pr\u00eat locatif social peuvent b\u00e9n\u00e9ficier de l&rsquo;Aide Personnalis\u00e9e aux Logement (APL). On peut \u00e9galement b\u00e9n\u00e9ficier d&rsquo;un pr\u00eat compl\u00e9mentaire pour compl\u00e9ter le financement PLS.<\/p>\n<h2>II. Champs d&rsquo;investissement du PLS<\/h2>\n<p><strong>Le PLS sert \u00e0 financer l&rsquo;acquisition d&rsquo;un certain nombre de biens \u00e9ligibles\u00a0:<\/strong><\/p>\n<ul>\n<li>Achat de terrain et construction de logements neufs,<\/li>\n<li>Construction seule de logements neufs,<\/li>\n<li>R\u00e9alisation de d\u00e9pendances de ces logements,<\/li>\n<li>Acquisition et transformation en logements de locaux non destin\u00e9s \u00e0 l\u2019habitation,<\/li>\n<li>Am\u00e9lioration et transformation de logements c\u00e9d\u00e9s \u00e0 bail emphyt\u00e9otique par l\u2019\u00c9tat et les collectivit\u00e9s locales, de logements foyers destin\u00e9s \u00e0 l\u2019accueil des personnes \u00e2g\u00e9es et handicap\u00e9es,<\/li>\n<li>Acquisition de logements en vente en l\u2019\u00e9tat futur d\u2019ach\u00e8vement (VEFA),<\/li>\n<li>Acquisition avec travaux d\u2019am\u00e9lioration ou VEFA r\u00e9alis\u00e9e par un bailleur social dans le cadre juridique de \u00ab\u00a0l\u2019usufruit locatif social\u00a0\u00bb,<\/li>\n<\/ul>\n<p>Les travaux de r\u00e9novation seuls sont donc exclus de ce dispositif.<\/p>\n<h2>III. Avantages fiscaux du PLS<\/h2>\n<p>Les avantages fiscaux en question profitent aux personnes qui acqui\u00e8rent des biens au moyen d&rsquo;un PLS ou financent des travaux \u00e9ligibles au moyen d&rsquo;un PLS.<\/p>\n<p><strong><img decoding=\"async\" class=\" wp-image-16938 alignleft\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2016\/08\/comptabilite-alias.png\" alt=\"avantages fiscaux du PLS\" width=\"146\" height=\"146\" \/>Ces avantages sont\u00a0:<\/strong><\/p>\n<ul>\n<li>Une TVA au taux de 5.5% au lieu de 20 %.<\/li>\n<li>Une exon\u00e9ration de la taxe fonci\u00e8re sur les propri\u00e9t\u00e9s b\u00e2ties pendant une dur\u00e9e de 15 \u00e0 25 ans, si les op\u00e9rations ont \u00e9t\u00e9 financ\u00e9es \u00e0 concurrence de plus de 50 % au moyen d\u2019un PLS<\/li>\n<li>L&rsquo;application des r\u00e9gimes d&rsquo;amortissement \u00a0\u00bb Besson \u00a0\u00bb ou \u00a0\u00bb de Robien \u00ab\u00a0. Voir notre article <a class=\"mkd-pt-link\" href=\"https:\/\/valoxy.org\/blog\/dispositifs-fiscaux-de-linvestissement-locatif\/\" target=\"_self\" rel=\"noopener\">Dispositifs fiscaux de l\u2019investissement locatif<\/a>.<\/li>\n<\/ul>\n<h2>IV. Le montant du PLS<\/h2>\n<p>Le montant du pr\u00eat est \u00e9gal \u00e0 50% du prix de revient de l&rsquo;op\u00e9ration.<\/p>\n<p><strong>Les taux varient selon les \u00e9tablissements financiers et sont index\u00e9s sur le taux du Livret A.<\/strong><\/p>\n<p><strong>Le montant du PLS\u00a0varie \u00e9galement en fonction de l&rsquo;\u00e9tablissement pr\u00eateur ainsi que du montant emprunt\u00e9.<\/strong><\/p>\n<p>Les taux sont identiques quel que soit le statut des emprunteurs (organisme public, soci\u00e9t\u00e9 de promotion immobili\u00e8re, personne physique).<\/p>\n<h2>V. Les conditions de location<\/h2>\n<p>L\u2019emprunteur s\u2019engage pendant toute la dur\u00e9e de la convention \u00e0 louer \u00e0 des personnes qui, au jour de l\u2019entr\u00e9e dans les lieux, ont des\u00a0ressources limit\u00e9es. C\u2019est-\u00e0-dire que\u00a0les locataires\u00a0sont soumis \u00e0 des plafonds de ressources. Les ressources prises en compte sont celles figurant sur la d\u00e9claration fiscale des revenus N-2.<\/p>\n<p><strong>Le bien doit \u00eatre occup\u00e9 \u00e0 titre de logement principal par les locataires. <img decoding=\"async\" class=\" wp-image-11803 alignright\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2015\/10\/choisir-gimp-70-1.jpg\" alt=\"conditions de la location\" width=\"152\" height=\"146\" srcset=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2015\/10\/choisir-gimp-70-1.jpg 373w, https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2015\/10\/choisir-gimp-70-1-300x289.jpg 300w\" sizes=\"(max-width: 152px) 100vw, 152px\" \/><\/strong><\/p>\n<p><strong>Les locataires peuvent pr\u00e9tendre \u00e0 l\u2019APL sous condition de ressources. L\u2019emprunteur bailleur s\u2019engage \u00e0 respecter des plafonds de loyer exprim\u00e9s par m\u00b2 de surface utile pendant toute la dur\u00e9e de la convention.<\/strong><\/p>\n<p>Il existe notamment des <strong>plafonds de loyer par mois et m\u00b2<\/strong> variant selon les zones\u00a0:<\/p>\n<ul>\n<li>\u00a0A : 13 \u20ac<\/li>\n<li>\u00a0A bis : 10 \u20ac<\/li>\n<li>\u00a0B1 : 8,61 \u20ac<\/li>\n<li>\u00a0B2 : 8,26 \u20ac<\/li>\n<li>\u00a0C : 7,67 \u20ac<\/li>\n<\/ul>\n<p><strong>Il existe \u00e9galement des plafonds de ressources<\/strong> variant en fonction des zones. Par exemple, le plafonnement atteindra\u00a0 40 265 \u20ac pour un m\u00e9nage de deux personnes en zone B1 (ressources annuelles 2016).<\/p>\n<p><div class=\"encadre-style\">Pour aller plus loin sur les r\u00e9gimes de location immobili\u00e8re, nous vous conseillons la lecture des articles suivants sur le blog de Valoxy :<\/p>\n<ul>\n<li><a href=\"https:\/\/valoxy.org\/blog\/taxe-logement-vacant\/\" target=\"_blank\" rel=\"noopener noreferrer\">SCI : attention \u00e0 la taxe sur les logements vacants !<\/a><\/li>\n<li><a href=\"https:\/\/valoxy.org\/blog\/location-meublee-bic-regime-gagne-clarte\/\" target=\"_blank\" rel=\"noopener noreferrer\">Location Meubl\u00e9e et BIC : le r\u00e9gime gagne en clart\u00e9<\/a><\/li>\n<li><a href=\"https:\/\/valoxy.org\/blog\/regime-micro-foncier\/\">Le r\u00e9gime micro-foncier<\/a><\/div><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Le Pr\u00eat Locatif Social (PLS) est un pr\u00eat bancaire dont la vocation est d&rsquo;aider au financement de logements locatifs sociaux situ\u00e9s en priorit\u00e9 dans des zones o\u00f9 le march\u00e9 immobilier est \u00ab\u00a0tendu\u00a0\u00bb. Il peut \u00e9galement financer des logements pour \u00e9tudiants&#8230;<\/p>\n","protected":false},"author":1,"featured_media":16714,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[53,118,119],"class_list":["post-19462","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-juridique","tag-juridique","tag-logement-social","tag-pret-locatif-social"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Le pr\u00eat locatif social (PLS)<\/title>\n<meta name=\"description\" content=\"Le pr\u00eat locatif social (PLS) est un pr\u00eat bancaire particulier pour le financement de logements locatifs sociaux situ\u00e9s dans des zones sp\u00e9cifiques...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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