@socialgouv/fiches-vdd 2.1259.0 → 2.1260.0
This diff represents the content of publicly available package versions that have been released to one of the supported registries. The information contained in this diff is provided for informational purposes only and reflects changes between package versions as they appear in their respective public registries.
- package/CHANGELOG.md +7 -0
- package/data/associations/F21885.json +1 -1
- package/data/associations/F31654.json +515 -137
- package/data/associations/F36073.json +1 -1
- package/data/associations/N31331.json +1 -1
- package/data/associations/R33450.json +4 -4
- package/data/associations/R33452.json +1 -1
- package/data/associations/index.json +193 -193
- package/data/index.json +78075 -78053
- package/data/particuliers/F10256.json +2 -2
- package/data/particuliers/F10342.json +251 -71
- package/data/particuliers/F13284.json +1 -1
- package/data/particuliers/F13318.json +764 -687
- package/data/particuliers/F14128.json +2 -2
- package/data/particuliers/F14723.json +642 -597
- package/data/particuliers/F16047.json +1091 -305
- package/data/particuliers/F16142.json +1950 -1298
- package/data/particuliers/F16940.json +2 -2
- package/data/particuliers/F16978.json +316 -254
- package/data/particuliers/F1947.json +1104 -3024
- package/data/particuliers/F21885.json +1 -1
- package/data/particuliers/F22782.json +0 -39
- package/data/particuliers/F2444.json +152 -160
- package/data/particuliers/F245.json +2 -2
- package/data/particuliers/F2572.json +6 -26
- package/data/particuliers/F31654.json +515 -137
- package/data/particuliers/F32057.json +2 -2
- package/data/particuliers/F32748.json +1 -1
- package/data/particuliers/F34463.json +953 -839
- package/data/particuliers/F34649.json +1 -1
- package/data/particuliers/F35480.json +0 -133
- package/data/particuliers/F36073.json +1 -1
- package/data/particuliers/F72.json +2 -32
- package/data/particuliers/F725.json +1 -1
- package/data/particuliers/F748.json +56 -22
- package/data/particuliers/F761.json +1 -1
- package/data/particuliers/F763.json +4 -4
- package/data/particuliers/N10253.json +1 -1
- package/data/particuliers/N13271.json +1 -1
- package/data/particuliers/N31331.json +1 -1
- package/data/particuliers/R1459.json +1 -1
- package/data/particuliers/R17828.json +2 -15
- package/data/particuliers/R17832.json +2 -15
- package/data/particuliers/R17835.json +2 -15
- package/data/particuliers/R17840.json +2 -15
- package/data/particuliers/R19231.json +2 -15
- package/data/particuliers/R33450.json +4 -4
- package/data/particuliers/R33452.json +1 -1
- package/data/particuliers/R46806.json +2 -15
- package/data/particuliers/R70932.json +582 -0
- package/data/particuliers/R994.json +1 -1
- package/data/particuliers/index.json +5192 -5191
- package/data/professionnels/F22726.json +3 -3
- package/data/professionnels/F22782.json +0 -39
- package/data/professionnels/F23497.json +11 -11
- package/data/professionnels/F34059.json +2 -15
- package/data/professionnels/F35480.json +0 -133
- package/data/professionnels/F38511.json +5 -33
- package/data/professionnels/R14530.json +2 -15
- package/data/professionnels/R16207.json +2 -15
- package/data/professionnels/R17828.json +2 -15
- package/data/professionnels/R17832.json +2 -15
- package/data/professionnels/R17833.json +2 -15
- package/data/professionnels/R17835.json +2 -15
- package/data/professionnels/R17836.json +2 -15
- package/data/professionnels/R17837.json +2 -15
- package/data/professionnels/R17838.json +2 -15
- package/data/professionnels/R17839.json +2 -15
- package/data/professionnels/R17840.json +2 -15
- package/data/professionnels/R17842.json +2 -15
- package/data/professionnels/R18755.json +2 -15
- package/data/professionnels/R19236.json +2 -15
- package/data/professionnels/R34182.json +2 -15
- package/data/professionnels/R57098.json +2 -15
- package/data/professionnels/index.json +2485 -2485
- package/package.json +1 -1
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"text": "Ce total d'intérêts à rembourser s'obtient en multipliant vos "
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"text": ", la banque calcule les montants de prêt dont le remboursement, simulé sur la base du taux légal du prêt épargne logement, correspond à votre total d'intérêts à rembourser."
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"text": "Le montant de votre prêt épargne logement est calculé à partir des déterminants suivants :"
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"text": "Total d'intérêts à rembourser pour le prêt épargne logement : "
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},
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{
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},
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{
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{
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{
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"text": "1 250 €"
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"text": "Montants de prêt possibles : montants dont le remboursement, sur la base du taux de "
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{
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"text": "1 250 €"
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}
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},
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{
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"type": "text",
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"text": " d'intérêts, sur une durée comprise entre et 2 et 15 ans."
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"children": [
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"text": "Quelle est la durée du prêt épargne logement ?"
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"children": [
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{
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"type": "text",
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"text": "2 à 15 ans"
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},
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{
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"type": "text",
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"text": "."
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}
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"type": "element",
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"children": [
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"children": [
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{
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"type": "text",
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"text": "Quel est le taux d'intérêt du prêt épargne logement ?"
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}
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]
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}
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{
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"children": [
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{
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"type": "text",
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"text": "Le taux d'intérêt du prêt dépend de la date à laquelle le PEL a été ouvert."
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|
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}
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|
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]
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|
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},
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"children": [
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{
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"type": "text",
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|
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"text": "Taux d'intérêt du prêt selon la date d'ouverture du PEL"
|
|
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|
-
}
|
|
1973
|
-
]
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|
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|
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},
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|
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{
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|
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"type": "element",
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|
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|
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"attributes": {
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|
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"largeur": "62",
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|
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|
|
1981
|
-
}
|
|
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|
+
"name": "Colonne",
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|
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|
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"attributes": {
|
|
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|
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"largeur": "33",
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|
+
"type": "normal"
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|
+
}
|
|
1982
1577
|
},
|
|
1983
1578
|
{
|
|
1984
1579
|
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|
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1580
|
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|
1986
1581
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|
|
1987
|
-
"largeur": "
|
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|
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"largeur": "44",
|
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1988
1583
|
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|
|
1989
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|
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|
|
1990
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|
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|
|
@@ -2005,7 +1600,7 @@
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|
|
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|
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|
2007
1602
|
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|
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|
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|
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|
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2009
1604
|
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|
|
2010
1605
|
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|
|
2011
1606
|
}
|
|
@@ -2021,7 +1616,7 @@
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|
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2023
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|
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2024
|
-
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|
|
1619
|
+
"text": "Valeurs à prendre en compte"
|
|
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1620
|
}
|
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2026
1621
|
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|
2027
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|
@@ -2046,7 +1641,7 @@
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|
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|
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|
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|
|
@@ -2058,62 +1653,60 @@
|
|
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|
"children": [
|
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|
{
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2060
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|
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|
|
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|
-
"name": "
|
|
1656
|
+
"name": "Liste",
|
|
1657
|
+
"attributes": {
|
|
1658
|
+
"type": "puce"
|
|
1659
|
+
},
|
|
2062
1660
|
"children": [
|
|
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|
{
|
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2064
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|
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|
|
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|
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|
|
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|
+
"name": "Item",
|
|
2066
1664
|
"children": [
|
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2067
1665
|
{
|
|
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|
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"type": "
|
|
2069
|
-
"
|
|
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|
+
"type": "element",
|
|
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|
+
"name": "Paragraphe",
|
|
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|
+
"children": [
|
|
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|
+
{
|
|
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|
+
"type": "element",
|
|
1671
|
+
"name": "Valeur",
|
|
1672
|
+
"children": [
|
|
1673
|
+
{
|
|
1674
|
+
"type": "text",
|
|
1675
|
+
"text": "5 000 €"
|
|
1676
|
+
}
|
|
1677
|
+
]
|
|
1678
|
+
},
|
|
1679
|
+
{
|
|
1680
|
+
"type": "text",
|
|
1681
|
+
"text": " minimum"
|
|
1682
|
+
}
|
|
1683
|
+
]
|
|
2070
1684
|
}
|
|
2071
1685
|
]
|
|
2072
|
-
}
|
|
2073
|
-
]
|
|
2074
|
-
}
|
|
2075
|
-
]
|
|
2076
|
-
}
|
|
2077
|
-
]
|
|
2078
|
-
},
|
|
2079
|
-
{
|
|
2080
|
-
"type": "element",
|
|
2081
|
-
"name": "Rangée",
|
|
2082
|
-
"attributes": {
|
|
2083
|
-
"type": "normal"
|
|
2084
|
-
},
|
|
2085
|
-
"children": [
|
|
2086
|
-
{
|
|
2087
|
-
"type": "element",
|
|
2088
|
-
"name": "Cellule",
|
|
2089
|
-
"children": [
|
|
2090
|
-
{
|
|
2091
|
-
"type": "element",
|
|
2092
|
-
"name": "Paragraphe",
|
|
2093
|
-
"children": [
|
|
2094
|
-
{
|
|
2095
|
-
"type": "text",
|
|
2096
|
-
"text": "Entre février 2015 et janvier 2016"
|
|
2097
|
-
}
|
|
2098
|
-
]
|
|
2099
|
-
}
|
|
2100
|
-
]
|
|
2101
|
-
},
|
|
2102
|
-
{
|
|
2103
|
-
"type": "element",
|
|
2104
|
-
"name": "Cellule",
|
|
2105
|
-
"children": [
|
|
2106
|
-
{
|
|
2107
|
-
"type": "element",
|
|
2108
|
-
"name": "Paragraphe",
|
|
2109
|
-
"children": [
|
|
1686
|
+
},
|
|
2110
1687
|
{
|
|
2111
1688
|
"type": "element",
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"text": "92 000 €"
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},
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"type": "text",
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{
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"type": "text",
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|
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"text": "3,45 %"
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|
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}
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|
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}
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|
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"text": "en 2 temps"
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|
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},
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{
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|
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|
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|
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|
+
"text": "1. Calcul du montant total des intérêts du prêt à rembourser"
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|
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|
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|
+
"text": "La banque calcule le montant total des intérêts que vous aurez à payer pour rembourser le prêt prêt épargne logement."
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|
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|
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|
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"text": "Ce montant s'obtient en multipliant vos "
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|
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|
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|
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|
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{
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|
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|
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|
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|
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|
+
}
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|
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|
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|
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|
+
},
|
|
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|
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{
|
|
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|
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|
|
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|
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"text": "par un coefficient fixé à "
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|
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|
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{
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|
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|
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|
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{
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|
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|
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"text": "2,5"
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|
+
}
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|
+
]
|
|
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|
+
},
|
|
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|
+
{
|
|
1964
|
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"type": "text",
|
|
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|
+
"text": " (ou de "
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|
+
},
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|
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|
+
{
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|
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|
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|
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|
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"children": [
|
|
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|
+
{
|
|
1972
|
+
"type": "text",
|
|
1973
|
+
"text": "1,5"
|
|
1974
|
+
}
|
|
1975
|
+
]
|
|
1976
|
+
},
|
|
1977
|
+
{
|
|
1978
|
+
"type": "text",
|
|
1979
|
+
"text": " si vous achetez des parts de "
|
|
1980
|
+
},
|
|
1981
|
+
{
|
|
1982
|
+
"type": "element",
|
|
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|
+
"name": "LienIntra",
|
|
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|
+
"attributes": {
|
|
1985
|
+
"LienID": "R67135",
|
|
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|
+
"type": "Définition de glossaire"
|
|
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|
+
},
|
|
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|
+
"children": [
|
|
1989
|
+
{
|
|
1990
|
+
"type": "text",
|
|
1991
|
+
"text": "SCPI"
|
|
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|
+
}
|
|
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|
+
]
|
|
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|
+
},
|
|
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|
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{
|
|
1996
|
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"type": "text",
|
|
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|
+
"text": ")."
|
|
2369
1998
|
}
|
|
2370
1999
|
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|
|
2371
2000
|
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|
|
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|
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|
|
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2002
|
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|
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|
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"name": "
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|
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|
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"attributes": {
|
|
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|
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"affichage": "radio"
|
|
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|
-
},
|
|
2003
|
+
"name": "Exemple",
|
|
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2004
|
"children": [
|
|
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|
{
|
|
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|
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|
|
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|
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"name": "
|
|
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|
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"name": "Titre",
|
|
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|
+
"children": [
|
|
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|
+
{
|
|
2010
|
+
"type": "text",
|
|
2011
|
+
"text": "Exemple"
|
|
2012
|
+
}
|
|
2013
|
+
]
|
|
2014
|
+
},
|
|
2015
|
+
{
|
|
2016
|
+
"type": "element",
|
|
2017
|
+
"name": "Paragraphe",
|
|
2382
2018
|
"children": [
|
|
2019
|
+
{
|
|
2020
|
+
"type": "text",
|
|
2021
|
+
"text": "Pour des droits à prêts de "
|
|
2022
|
+
},
|
|
2383
2023
|
{
|
|
2384
2024
|
"type": "element",
|
|
2385
|
-
"name": "
|
|
2025
|
+
"name": "Valeur",
|
|
2386
2026
|
"children": [
|
|
2387
2027
|
{
|
|
2388
2028
|
"type": "text",
|
|
2389
|
-
"text": "
|
|
2029
|
+
"text": "500 €"
|
|
2390
2030
|
}
|
|
2391
2031
|
]
|
|
2392
2032
|
},
|
|
2033
|
+
{
|
|
2034
|
+
"type": "text",
|
|
2035
|
+
"text": " et un taux d'emprunt de "
|
|
2036
|
+
},
|
|
2393
2037
|
{
|
|
2394
2038
|
"type": "element",
|
|
2395
|
-
"name": "
|
|
2039
|
+
"name": "Valeur",
|
|
2396
2040
|
"children": [
|
|
2397
2041
|
{
|
|
2398
2042
|
"type": "text",
|
|
2399
|
-
"text": "
|
|
2400
|
-
},
|
|
2401
|
-
{
|
|
2402
|
-
"type": "element",
|
|
2403
|
-
"name": "Exposant",
|
|
2404
|
-
"children": [
|
|
2405
|
-
{
|
|
2406
|
-
"type": "text",
|
|
2407
|
-
"text": "er"
|
|
2408
|
-
}
|
|
2409
|
-
]
|
|
2410
|
-
},
|
|
2411
|
-
{
|
|
2412
|
-
"type": "text",
|
|
2413
|
-
"text": " janvier 2018 n'ouvre pas droit à la prime d'État."
|
|
2043
|
+
"text": "3,2 %"
|
|
2414
2044
|
}
|
|
2415
2045
|
]
|
|
2046
|
+
},
|
|
2047
|
+
{
|
|
2048
|
+
"type": "text",
|
|
2049
|
+
"text": "."
|
|
2416
2050
|
}
|
|
2417
2051
|
]
|
|
2418
2052
|
},
|
|
2419
2053
|
{
|
|
2420
2054
|
"type": "element",
|
|
2421
|
-
"name": "
|
|
2055
|
+
"name": "Paragraphe",
|
|
2422
2056
|
"children": [
|
|
2423
2057
|
{
|
|
2424
|
-
"type": "
|
|
2425
|
-
"
|
|
2426
|
-
"children": [
|
|
2427
|
-
{
|
|
2428
|
-
"type": "text",
|
|
2429
|
-
"text": "PEL ouvert entre août 2016 et décembre 2017"
|
|
2430
|
-
}
|
|
2431
|
-
]
|
|
2058
|
+
"type": "text",
|
|
2059
|
+
"text": "Le total d'intérêts à payer pour le prêt épargne logement est de "
|
|
2432
2060
|
},
|
|
2433
2061
|
{
|
|
2434
2062
|
"type": "element",
|
|
2435
|
-
"name": "
|
|
2063
|
+
"name": "Valeur",
|
|
2436
2064
|
"children": [
|
|
2437
2065
|
{
|
|
2438
2066
|
"type": "text",
|
|
2439
|
-
"text": "
|
|
2440
|
-
},
|
|
2441
|
-
{
|
|
2442
|
-
"type": "element",
|
|
2443
|
-
"name": "Valeur",
|
|
2444
|
-
"children": [
|
|
2445
|
-
{
|
|
2446
|
-
"type": "text",
|
|
2447
|
-
"text": "5 000 €"
|
|
2448
|
-
}
|
|
2449
|
-
]
|
|
2450
|
-
},
|
|
2451
|
-
{
|
|
2452
|
-
"type": "text",
|
|
2453
|
-
"text": " minimum."
|
|
2067
|
+
"text": "500 €"
|
|
2454
2068
|
}
|
|
2455
2069
|
]
|
|
2456
2070
|
},
|
|
2071
|
+
{
|
|
2072
|
+
"type": "text",
|
|
2073
|
+
"text": " x"
|
|
2074
|
+
},
|
|
2457
2075
|
{
|
|
2458
2076
|
"type": "element",
|
|
2459
|
-
"name": "
|
|
2077
|
+
"name": "MiseEnEvidence",
|
|
2460
2078
|
"children": [
|
|
2461
2079
|
{
|
|
2462
2080
|
"type": "text",
|
|
2463
|
-
"text": "
|
|
2464
|
-
},
|
|
2465
|
-
{
|
|
2466
|
-
"type": "element",
|
|
2467
|
-
"name": "Valeur",
|
|
2468
|
-
"children": [
|
|
2469
|
-
{
|
|
2470
|
-
"type": "text",
|
|
2471
|
-
"text": "1 000 €"
|
|
2472
|
-
}
|
|
2473
|
-
]
|
|
2474
|
-
},
|
|
2475
|
-
{
|
|
2476
|
-
"type": "text",
|
|
2477
|
-
"text": "."
|
|
2081
|
+
"text": " 2,5"
|
|
2478
2082
|
}
|
|
2479
2083
|
]
|
|
2480
2084
|
},
|
|
2085
|
+
{
|
|
2086
|
+
"type": "text",
|
|
2087
|
+
"text": " = "
|
|
2088
|
+
},
|
|
2481
2089
|
{
|
|
2482
2090
|
"type": "element",
|
|
2483
|
-
"name": "
|
|
2091
|
+
"name": "Valeur",
|
|
2484
2092
|
"children": [
|
|
2485
2093
|
{
|
|
2486
2094
|
"type": "text",
|
|
2487
|
-
"text": "
|
|
2095
|
+
"text": "1 250 €"
|
|
2488
2096
|
}
|
|
2489
2097
|
]
|
|
2490
|
-
}
|
|
2098
|
+
}
|
|
2099
|
+
]
|
|
2100
|
+
}
|
|
2101
|
+
]
|
|
2102
|
+
},
|
|
2103
|
+
{
|
|
2104
|
+
"type": "element",
|
|
2105
|
+
"name": "ASavoir",
|
|
2106
|
+
"children": [
|
|
2107
|
+
{
|
|
2108
|
+
"type": "element",
|
|
2109
|
+
"name": "Titre",
|
|
2110
|
+
"children": [
|
|
2491
2111
|
{
|
|
2492
|
-
"type": "
|
|
2493
|
-
"
|
|
2112
|
+
"type": "text",
|
|
2113
|
+
"text": "À savoir"
|
|
2114
|
+
}
|
|
2115
|
+
]
|
|
2116
|
+
},
|
|
2117
|
+
{
|
|
2118
|
+
"type": "element",
|
|
2119
|
+
"name": "Paragraphe",
|
|
2120
|
+
"children": [
|
|
2121
|
+
{
|
|
2122
|
+
"type": "text",
|
|
2123
|
+
"text": "Vous pouvez demander à la banque un relevé qui fait apparaître vos "
|
|
2124
|
+
},
|
|
2125
|
+
{
|
|
2126
|
+
"type": "element",
|
|
2127
|
+
"name": "Expression",
|
|
2128
|
+
"children": [
|
|
2129
|
+
{
|
|
2130
|
+
"type": "text",
|
|
2131
|
+
"text": "droits à prêt"
|
|
2132
|
+
}
|
|
2133
|
+
]
|
|
2134
|
+
},
|
|
2135
|
+
{
|
|
2136
|
+
"type": "text",
|
|
2137
|
+
"text": "."
|
|
2138
|
+
}
|
|
2139
|
+
]
|
|
2140
|
+
}
|
|
2141
|
+
]
|
|
2142
|
+
},
|
|
2143
|
+
{
|
|
2144
|
+
"type": "element",
|
|
2145
|
+
"name": "TitreFlottant",
|
|
2146
|
+
"children": [
|
|
2147
|
+
{
|
|
2148
|
+
"type": "element",
|
|
2149
|
+
"name": "Paragraphe",
|
|
2150
|
+
"children": [
|
|
2151
|
+
{
|
|
2152
|
+
"type": "text",
|
|
2153
|
+
"text": "2. Calcul du montant du prêt"
|
|
2154
|
+
}
|
|
2155
|
+
]
|
|
2156
|
+
}
|
|
2157
|
+
]
|
|
2158
|
+
},
|
|
2159
|
+
{
|
|
2160
|
+
"type": "element",
|
|
2161
|
+
"name": "Paragraphe",
|
|
2162
|
+
"children": [
|
|
2163
|
+
{
|
|
2164
|
+
"type": "text",
|
|
2165
|
+
"text": "La banque calcule les montants de prêt dont le remboursement, simulé sur la base du taux légal du prêt épargne logement, correspondent à votre total d'intérêts à payer."
|
|
2166
|
+
}
|
|
2167
|
+
]
|
|
2168
|
+
},
|
|
2169
|
+
{
|
|
2170
|
+
"type": "element",
|
|
2171
|
+
"name": "Paragraphe",
|
|
2172
|
+
"children": [
|
|
2173
|
+
{
|
|
2174
|
+
"type": "text",
|
|
2175
|
+
"text": "Cette opération permet d'identifier plusieurs montants qui varient selon la durée de remboursement du prêt épargne logement."
|
|
2176
|
+
}
|
|
2177
|
+
]
|
|
2178
|
+
},
|
|
2179
|
+
{
|
|
2180
|
+
"type": "element",
|
|
2181
|
+
"name": "Paragraphe",
|
|
2182
|
+
"children": [
|
|
2183
|
+
{
|
|
2184
|
+
"type": "text",
|
|
2185
|
+
"text": "Plus la durée de remboursement est courte, plus le montant de prêt est élevé. Plus la durée de remboursement est longue, plus le montant de prêt est faible."
|
|
2186
|
+
}
|
|
2187
|
+
]
|
|
2188
|
+
},
|
|
2189
|
+
{
|
|
2190
|
+
"type": "element",
|
|
2191
|
+
"name": "Paragraphe",
|
|
2192
|
+
"children": [
|
|
2193
|
+
{
|
|
2194
|
+
"type": "text",
|
|
2195
|
+
"text": "Les banques ont en général de calculateurs automatiques qui permettent de générer un tableau avec des montants de prêts et les durées de remboursement correspondantes."
|
|
2196
|
+
}
|
|
2197
|
+
]
|
|
2198
|
+
},
|
|
2199
|
+
{
|
|
2200
|
+
"type": "element",
|
|
2201
|
+
"name": "Paragraphe",
|
|
2202
|
+
"children": [
|
|
2203
|
+
{
|
|
2204
|
+
"type": "text",
|
|
2205
|
+
"text": "Vous choisissez en accord avec la banque le montant et la durée de prêt correspondante qui vous conviennent le mieux."
|
|
2206
|
+
}
|
|
2207
|
+
]
|
|
2208
|
+
}
|
|
2209
|
+
]
|
|
2210
|
+
},
|
|
2211
|
+
{
|
|
2212
|
+
"type": "element",
|
|
2213
|
+
"name": "Chapitre",
|
|
2214
|
+
"children": [
|
|
2215
|
+
{
|
|
2216
|
+
"type": "element",
|
|
2217
|
+
"name": "Titre",
|
|
2218
|
+
"children": [
|
|
2219
|
+
{
|
|
2220
|
+
"type": "element",
|
|
2221
|
+
"name": "Paragraphe",
|
|
2222
|
+
"children": [
|
|
2223
|
+
{
|
|
2224
|
+
"type": "text",
|
|
2225
|
+
"text": "Quelle est la durée du prêt épargne logement ?"
|
|
2226
|
+
}
|
|
2227
|
+
]
|
|
2228
|
+
}
|
|
2229
|
+
]
|
|
2230
|
+
},
|
|
2231
|
+
{
|
|
2232
|
+
"type": "element",
|
|
2233
|
+
"name": "Paragraphe",
|
|
2234
|
+
"children": [
|
|
2235
|
+
{
|
|
2236
|
+
"type": "text",
|
|
2237
|
+
"text": "La durée du prêt peut être de "
|
|
2238
|
+
},
|
|
2239
|
+
{
|
|
2240
|
+
"type": "element",
|
|
2241
|
+
"name": "MiseEnEvidence",
|
|
2242
|
+
"children": [
|
|
2243
|
+
{
|
|
2244
|
+
"type": "text",
|
|
2245
|
+
"text": "2 à 15 ans"
|
|
2246
|
+
}
|
|
2247
|
+
]
|
|
2248
|
+
},
|
|
2249
|
+
{
|
|
2250
|
+
"type": "text",
|
|
2251
|
+
"text": "."
|
|
2252
|
+
}
|
|
2253
|
+
]
|
|
2254
|
+
}
|
|
2255
|
+
]
|
|
2256
|
+
},
|
|
2257
|
+
{
|
|
2258
|
+
"type": "element",
|
|
2259
|
+
"name": "Chapitre",
|
|
2260
|
+
"children": [
|
|
2261
|
+
{
|
|
2262
|
+
"type": "element",
|
|
2263
|
+
"name": "Titre",
|
|
2264
|
+
"children": [
|
|
2265
|
+
{
|
|
2266
|
+
"type": "element",
|
|
2267
|
+
"name": "Paragraphe",
|
|
2268
|
+
"children": [
|
|
2269
|
+
{
|
|
2270
|
+
"type": "text",
|
|
2271
|
+
"text": "Quel est le taux d'intérêt du prêt épargne logement ?"
|
|
2272
|
+
}
|
|
2273
|
+
]
|
|
2274
|
+
}
|
|
2275
|
+
]
|
|
2276
|
+
},
|
|
2277
|
+
{
|
|
2278
|
+
"type": "element",
|
|
2279
|
+
"name": "Paragraphe",
|
|
2280
|
+
"children": [
|
|
2281
|
+
{
|
|
2282
|
+
"type": "text",
|
|
2283
|
+
"text": "Le taux d'intérêt du prêt dépend de la date à laquelle le PEL a été ouvert."
|
|
2284
|
+
}
|
|
2285
|
+
]
|
|
2286
|
+
},
|
|
2287
|
+
{
|
|
2288
|
+
"type": "element",
|
|
2289
|
+
"name": "Tableau",
|
|
2290
|
+
"children": [
|
|
2291
|
+
{
|
|
2292
|
+
"type": "element",
|
|
2293
|
+
"name": "Titre",
|
|
2294
|
+
"children": [
|
|
2295
|
+
{
|
|
2296
|
+
"type": "text",
|
|
2297
|
+
"text": "Taux d'intérêt du prêt selon la date d'ouverture du PEL"
|
|
2298
|
+
}
|
|
2299
|
+
]
|
|
2300
|
+
},
|
|
2301
|
+
{
|
|
2302
|
+
"type": "element",
|
|
2303
|
+
"name": "Colonne",
|
|
2304
|
+
"attributes": {
|
|
2305
|
+
"largeur": "62",
|
|
2306
|
+
"type": "normal"
|
|
2307
|
+
}
|
|
2308
|
+
},
|
|
2309
|
+
{
|
|
2310
|
+
"type": "element",
|
|
2311
|
+
"name": "Colonne",
|
|
2312
|
+
"attributes": {
|
|
2313
|
+
"largeur": "24",
|
|
2314
|
+
"type": "normal"
|
|
2315
|
+
}
|
|
2316
|
+
},
|
|
2317
|
+
{
|
|
2318
|
+
"type": "element",
|
|
2319
|
+
"name": "Rangée",
|
|
2320
|
+
"attributes": {
|
|
2321
|
+
"type": "header"
|
|
2322
|
+
},
|
|
2323
|
+
"children": [
|
|
2324
|
+
{
|
|
2325
|
+
"type": "element",
|
|
2326
|
+
"name": "Cellule",
|
|
2327
|
+
"children": [
|
|
2328
|
+
{
|
|
2329
|
+
"type": "element",
|
|
2330
|
+
"name": "Paragraphe",
|
|
2331
|
+
"children": [
|
|
2332
|
+
{
|
|
2333
|
+
"type": "text",
|
|
2334
|
+
"text": "Date d'ouverture du PEL"
|
|
2335
|
+
}
|
|
2336
|
+
]
|
|
2337
|
+
}
|
|
2338
|
+
]
|
|
2339
|
+
},
|
|
2340
|
+
{
|
|
2341
|
+
"type": "element",
|
|
2342
|
+
"name": "Cellule",
|
|
2343
|
+
"children": [
|
|
2344
|
+
{
|
|
2345
|
+
"type": "element",
|
|
2346
|
+
"name": "Paragraphe",
|
|
2347
|
+
"children": [
|
|
2348
|
+
{
|
|
2349
|
+
"type": "text",
|
|
2350
|
+
"text": "Taux d'intérêt du prêt"
|
|
2351
|
+
}
|
|
2352
|
+
]
|
|
2353
|
+
}
|
|
2354
|
+
]
|
|
2355
|
+
}
|
|
2356
|
+
]
|
|
2357
|
+
},
|
|
2358
|
+
{
|
|
2359
|
+
"type": "element",
|
|
2360
|
+
"name": "Rangée",
|
|
2361
|
+
"attributes": {
|
|
2362
|
+
"type": "normal"
|
|
2363
|
+
},
|
|
2364
|
+
"children": [
|
|
2365
|
+
{
|
|
2366
|
+
"type": "element",
|
|
2367
|
+
"name": "Cellule",
|
|
2368
|
+
"children": [
|
|
2369
|
+
{
|
|
2370
|
+
"type": "element",
|
|
2371
|
+
"name": "Paragraphe",
|
|
2372
|
+
"children": [
|
|
2373
|
+
{
|
|
2374
|
+
"type": "text",
|
|
2375
|
+
"text": "Entre mars 2011 et janvier 2015"
|
|
2376
|
+
}
|
|
2377
|
+
]
|
|
2378
|
+
}
|
|
2379
|
+
]
|
|
2380
|
+
},
|
|
2381
|
+
{
|
|
2382
|
+
"type": "element",
|
|
2383
|
+
"name": "Cellule",
|
|
2384
|
+
"children": [
|
|
2385
|
+
{
|
|
2386
|
+
"type": "element",
|
|
2387
|
+
"name": "Paragraphe",
|
|
2388
|
+
"children": [
|
|
2389
|
+
{
|
|
2390
|
+
"type": "element",
|
|
2391
|
+
"name": "Valeur",
|
|
2392
|
+
"children": [
|
|
2393
|
+
{
|
|
2394
|
+
"type": "text",
|
|
2395
|
+
"text": "4,20 %"
|
|
2396
|
+
}
|
|
2397
|
+
]
|
|
2398
|
+
}
|
|
2399
|
+
]
|
|
2400
|
+
}
|
|
2401
|
+
]
|
|
2402
|
+
}
|
|
2403
|
+
]
|
|
2404
|
+
},
|
|
2405
|
+
{
|
|
2406
|
+
"type": "element",
|
|
2407
|
+
"name": "Rangée",
|
|
2408
|
+
"attributes": {
|
|
2409
|
+
"type": "normal"
|
|
2410
|
+
},
|
|
2411
|
+
"children": [
|
|
2412
|
+
{
|
|
2413
|
+
"type": "element",
|
|
2414
|
+
"name": "Cellule",
|
|
2415
|
+
"children": [
|
|
2416
|
+
{
|
|
2417
|
+
"type": "element",
|
|
2418
|
+
"name": "Paragraphe",
|
|
2419
|
+
"children": [
|
|
2420
|
+
{
|
|
2421
|
+
"type": "text",
|
|
2422
|
+
"text": "Entre février 2015 et janvier 2016"
|
|
2423
|
+
}
|
|
2424
|
+
]
|
|
2425
|
+
}
|
|
2426
|
+
]
|
|
2427
|
+
},
|
|
2428
|
+
{
|
|
2429
|
+
"type": "element",
|
|
2430
|
+
"name": "Cellule",
|
|
2431
|
+
"children": [
|
|
2432
|
+
{
|
|
2433
|
+
"type": "element",
|
|
2434
|
+
"name": "Paragraphe",
|
|
2435
|
+
"children": [
|
|
2436
|
+
{
|
|
2437
|
+
"type": "element",
|
|
2438
|
+
"name": "Valeur",
|
|
2439
|
+
"children": [
|
|
2440
|
+
{
|
|
2441
|
+
"type": "text",
|
|
2442
|
+
"text": "3,20 %"
|
|
2443
|
+
}
|
|
2444
|
+
]
|
|
2445
|
+
}
|
|
2446
|
+
]
|
|
2447
|
+
}
|
|
2448
|
+
]
|
|
2449
|
+
}
|
|
2450
|
+
]
|
|
2451
|
+
},
|
|
2452
|
+
{
|
|
2453
|
+
"type": "element",
|
|
2454
|
+
"name": "Rangée",
|
|
2455
|
+
"attributes": {
|
|
2456
|
+
"type": "normal"
|
|
2457
|
+
},
|
|
2458
|
+
"children": [
|
|
2459
|
+
{
|
|
2460
|
+
"type": "element",
|
|
2461
|
+
"name": "Cellule",
|
|
2462
|
+
"children": [
|
|
2463
|
+
{
|
|
2464
|
+
"type": "element",
|
|
2465
|
+
"name": "Paragraphe",
|
|
2466
|
+
"children": [
|
|
2467
|
+
{
|
|
2468
|
+
"type": "text",
|
|
2469
|
+
"text": "Entre février 2016 et juillet 2016"
|
|
2470
|
+
}
|
|
2471
|
+
]
|
|
2472
|
+
}
|
|
2473
|
+
]
|
|
2474
|
+
},
|
|
2475
|
+
{
|
|
2476
|
+
"type": "element",
|
|
2477
|
+
"name": "Cellule",
|
|
2478
|
+
"children": [
|
|
2479
|
+
{
|
|
2480
|
+
"type": "element",
|
|
2481
|
+
"name": "Paragraphe",
|
|
2482
|
+
"children": [
|
|
2483
|
+
{
|
|
2484
|
+
"type": "element",
|
|
2485
|
+
"name": "Valeur",
|
|
2486
|
+
"children": [
|
|
2487
|
+
{
|
|
2488
|
+
"type": "text",
|
|
2489
|
+
"text": "2,70 %"
|
|
2490
|
+
}
|
|
2491
|
+
]
|
|
2492
|
+
}
|
|
2493
|
+
]
|
|
2494
|
+
}
|
|
2495
|
+
]
|
|
2496
|
+
}
|
|
2497
|
+
]
|
|
2498
|
+
},
|
|
2499
|
+
{
|
|
2500
|
+
"type": "element",
|
|
2501
|
+
"name": "Rangée",
|
|
2502
|
+
"attributes": {
|
|
2503
|
+
"type": "normal"
|
|
2504
|
+
},
|
|
2505
|
+
"children": [
|
|
2506
|
+
{
|
|
2507
|
+
"type": "element",
|
|
2508
|
+
"name": "Cellule",
|
|
2509
|
+
"children": [
|
|
2510
|
+
{
|
|
2511
|
+
"type": "element",
|
|
2512
|
+
"name": "Paragraphe",
|
|
2513
|
+
"children": [
|
|
2514
|
+
{
|
|
2515
|
+
"type": "text",
|
|
2516
|
+
"text": "Entre août 2016 et décembre 2022"
|
|
2517
|
+
}
|
|
2518
|
+
]
|
|
2519
|
+
}
|
|
2520
|
+
]
|
|
2521
|
+
},
|
|
2522
|
+
{
|
|
2523
|
+
"type": "element",
|
|
2524
|
+
"name": "Cellule",
|
|
2525
|
+
"children": [
|
|
2526
|
+
{
|
|
2527
|
+
"type": "element",
|
|
2528
|
+
"name": "Paragraphe",
|
|
2529
|
+
"children": [
|
|
2530
|
+
{
|
|
2531
|
+
"type": "element",
|
|
2532
|
+
"name": "Valeur",
|
|
2533
|
+
"children": [
|
|
2534
|
+
{
|
|
2535
|
+
"type": "text",
|
|
2536
|
+
"text": "2,20 %"
|
|
2537
|
+
}
|
|
2538
|
+
]
|
|
2539
|
+
}
|
|
2540
|
+
]
|
|
2541
|
+
}
|
|
2542
|
+
]
|
|
2543
|
+
}
|
|
2544
|
+
]
|
|
2545
|
+
},
|
|
2546
|
+
{
|
|
2547
|
+
"type": "element",
|
|
2548
|
+
"name": "Rangée",
|
|
2549
|
+
"attributes": {
|
|
2550
|
+
"type": "normal"
|
|
2551
|
+
},
|
|
2552
|
+
"children": [
|
|
2553
|
+
{
|
|
2554
|
+
"type": "element",
|
|
2555
|
+
"name": "Cellule",
|
|
2556
|
+
"children": [
|
|
2557
|
+
{
|
|
2558
|
+
"type": "element",
|
|
2559
|
+
"name": "Paragraphe",
|
|
2560
|
+
"children": [
|
|
2561
|
+
{
|
|
2562
|
+
"type": "text",
|
|
2563
|
+
"text": "En 2023"
|
|
2564
|
+
}
|
|
2565
|
+
]
|
|
2566
|
+
}
|
|
2567
|
+
]
|
|
2568
|
+
},
|
|
2569
|
+
{
|
|
2570
|
+
"type": "element",
|
|
2571
|
+
"name": "Cellule",
|
|
2572
|
+
"children": [
|
|
2573
|
+
{
|
|
2574
|
+
"type": "element",
|
|
2575
|
+
"name": "Paragraphe",
|
|
2576
|
+
"children": [
|
|
2577
|
+
{
|
|
2578
|
+
"type": "element",
|
|
2579
|
+
"name": "Valeur",
|
|
2580
|
+
"children": [
|
|
2581
|
+
{
|
|
2582
|
+
"type": "text",
|
|
2583
|
+
"text": "3,2 %"
|
|
2584
|
+
}
|
|
2585
|
+
]
|
|
2586
|
+
}
|
|
2587
|
+
]
|
|
2588
|
+
}
|
|
2589
|
+
]
|
|
2590
|
+
}
|
|
2591
|
+
]
|
|
2592
|
+
},
|
|
2593
|
+
{
|
|
2594
|
+
"type": "element",
|
|
2595
|
+
"name": "Rangée",
|
|
2596
|
+
"attributes": {
|
|
2597
|
+
"type": "normal"
|
|
2598
|
+
},
|
|
2599
|
+
"children": [
|
|
2600
|
+
{
|
|
2601
|
+
"type": "element",
|
|
2602
|
+
"name": "Cellule",
|
|
2603
|
+
"children": [
|
|
2604
|
+
{
|
|
2605
|
+
"type": "element",
|
|
2606
|
+
"name": "Paragraphe",
|
|
2607
|
+
"children": [
|
|
2608
|
+
{
|
|
2609
|
+
"type": "text",
|
|
2610
|
+
"text": "Depuis le 1"
|
|
2611
|
+
},
|
|
2612
|
+
{
|
|
2613
|
+
"type": "element",
|
|
2614
|
+
"name": "Exposant",
|
|
2615
|
+
"children": [
|
|
2616
|
+
{
|
|
2617
|
+
"type": "text",
|
|
2618
|
+
"text": "er"
|
|
2619
|
+
}
|
|
2620
|
+
]
|
|
2621
|
+
},
|
|
2622
|
+
{
|
|
2623
|
+
"type": "text",
|
|
2624
|
+
"text": " janvier 2024"
|
|
2625
|
+
}
|
|
2626
|
+
]
|
|
2627
|
+
}
|
|
2628
|
+
]
|
|
2629
|
+
},
|
|
2630
|
+
{
|
|
2631
|
+
"type": "element",
|
|
2632
|
+
"name": "Cellule",
|
|
2633
|
+
"children": [
|
|
2634
|
+
{
|
|
2635
|
+
"type": "element",
|
|
2636
|
+
"name": "Paragraphe",
|
|
2637
|
+
"children": [
|
|
2638
|
+
{
|
|
2639
|
+
"type": "element",
|
|
2640
|
+
"name": "Valeur",
|
|
2641
|
+
"children": [
|
|
2642
|
+
{
|
|
2643
|
+
"type": "text",
|
|
2644
|
+
"text": "3,45 %"
|
|
2645
|
+
}
|
|
2646
|
+
]
|
|
2647
|
+
}
|
|
2648
|
+
]
|
|
2649
|
+
}
|
|
2650
|
+
]
|
|
2651
|
+
}
|
|
2652
|
+
]
|
|
2653
|
+
}
|
|
2654
|
+
]
|
|
2655
|
+
}
|
|
2656
|
+
]
|
|
2657
|
+
},
|
|
2658
|
+
{
|
|
2659
|
+
"type": "element",
|
|
2660
|
+
"name": "Chapitre",
|
|
2661
|
+
"children": [
|
|
2662
|
+
{
|
|
2663
|
+
"type": "element",
|
|
2664
|
+
"name": "Titre",
|
|
2665
|
+
"children": [
|
|
2666
|
+
{
|
|
2667
|
+
"type": "element",
|
|
2668
|
+
"name": "Paragraphe",
|
|
2669
|
+
"children": [
|
|
2670
|
+
{
|
|
2671
|
+
"type": "text",
|
|
2672
|
+
"text": "Pouvez-vous bénéficier de la prime d'État ?"
|
|
2673
|
+
}
|
|
2674
|
+
]
|
|
2675
|
+
}
|
|
2676
|
+
]
|
|
2677
|
+
},
|
|
2678
|
+
{
|
|
2679
|
+
"type": "element",
|
|
2680
|
+
"name": "Paragraphe",
|
|
2681
|
+
"children": [
|
|
2682
|
+
{
|
|
2683
|
+
"type": "text",
|
|
2684
|
+
"text": "La prime d'État est un bonus accordé lors du retrait des fonds du PEL arrivé à terme."
|
|
2685
|
+
}
|
|
2686
|
+
]
|
|
2687
|
+
},
|
|
2688
|
+
{
|
|
2689
|
+
"type": "element",
|
|
2690
|
+
"name": "Paragraphe",
|
|
2691
|
+
"children": [
|
|
2692
|
+
{
|
|
2693
|
+
"type": "text",
|
|
2694
|
+
"text": "La prime est calculée en fonction du montant des intérêts acquis sur le PEL."
|
|
2695
|
+
}
|
|
2696
|
+
]
|
|
2697
|
+
},
|
|
2698
|
+
{
|
|
2699
|
+
"type": "element",
|
|
2700
|
+
"name": "BlocCas",
|
|
2701
|
+
"attributes": {
|
|
2702
|
+
"affichage": "radio"
|
|
2703
|
+
},
|
|
2704
|
+
"children": [
|
|
2705
|
+
{
|
|
2706
|
+
"type": "element",
|
|
2707
|
+
"name": "Cas",
|
|
2708
|
+
"children": [
|
|
2709
|
+
{
|
|
2710
|
+
"type": "element",
|
|
2711
|
+
"name": "Titre",
|
|
2712
|
+
"children": [
|
|
2713
|
+
{
|
|
2714
|
+
"type": "text",
|
|
2715
|
+
"text": "PEL ouvert depuis 2018"
|
|
2716
|
+
}
|
|
2717
|
+
]
|
|
2718
|
+
},
|
|
2719
|
+
{
|
|
2720
|
+
"type": "element",
|
|
2721
|
+
"name": "Paragraphe",
|
|
2722
|
+
"children": [
|
|
2723
|
+
{
|
|
2724
|
+
"type": "text",
|
|
2725
|
+
"text": "Le PEL ouvert depuis le 1"
|
|
2726
|
+
},
|
|
2727
|
+
{
|
|
2728
|
+
"type": "element",
|
|
2729
|
+
"name": "Exposant",
|
|
2730
|
+
"children": [
|
|
2731
|
+
{
|
|
2732
|
+
"type": "text",
|
|
2733
|
+
"text": "er"
|
|
2734
|
+
}
|
|
2735
|
+
]
|
|
2736
|
+
},
|
|
2737
|
+
{
|
|
2738
|
+
"type": "text",
|
|
2739
|
+
"text": " janvier 2018 n'ouvre pas droit à la prime d'État."
|
|
2740
|
+
}
|
|
2741
|
+
]
|
|
2742
|
+
}
|
|
2743
|
+
]
|
|
2744
|
+
},
|
|
2745
|
+
{
|
|
2746
|
+
"type": "element",
|
|
2747
|
+
"name": "Cas",
|
|
2748
|
+
"children": [
|
|
2749
|
+
{
|
|
2750
|
+
"type": "element",
|
|
2751
|
+
"name": "Titre",
|
|
2752
|
+
"children": [
|
|
2753
|
+
{
|
|
2754
|
+
"type": "text",
|
|
2755
|
+
"text": "PEL ouvert entre août 2016 et décembre 2017"
|
|
2756
|
+
}
|
|
2757
|
+
]
|
|
2758
|
+
},
|
|
2759
|
+
{
|
|
2760
|
+
"type": "element",
|
|
2761
|
+
"name": "Paragraphe",
|
|
2762
|
+
"children": [
|
|
2763
|
+
{
|
|
2764
|
+
"type": "text",
|
|
2765
|
+
"text": "La prime d’État est versée seulement si les intérêts du PEL vous donnent droit à un prêt immobilier de "
|
|
2766
|
+
},
|
|
2767
|
+
{
|
|
2768
|
+
"type": "element",
|
|
2769
|
+
"name": "Valeur",
|
|
2770
|
+
"children": [
|
|
2771
|
+
{
|
|
2772
|
+
"type": "text",
|
|
2773
|
+
"text": "5 000 €"
|
|
2774
|
+
}
|
|
2775
|
+
]
|
|
2776
|
+
},
|
|
2777
|
+
{
|
|
2778
|
+
"type": "text",
|
|
2779
|
+
"text": " minimum."
|
|
2780
|
+
}
|
|
2781
|
+
]
|
|
2782
|
+
},
|
|
2783
|
+
{
|
|
2784
|
+
"type": "element",
|
|
2785
|
+
"name": "Paragraphe",
|
|
2786
|
+
"children": [
|
|
2787
|
+
{
|
|
2788
|
+
"type": "text",
|
|
2789
|
+
"text": "Le montant de la prime correspond à 100 % des intérêts acquis, sans dépasser "
|
|
2790
|
+
},
|
|
2791
|
+
{
|
|
2792
|
+
"type": "element",
|
|
2793
|
+
"name": "Valeur",
|
|
2794
|
+
"children": [
|
|
2795
|
+
{
|
|
2796
|
+
"type": "text",
|
|
2797
|
+
"text": "1 000 €"
|
|
2798
|
+
}
|
|
2799
|
+
]
|
|
2800
|
+
},
|
|
2801
|
+
{
|
|
2802
|
+
"type": "text",
|
|
2803
|
+
"text": "."
|
|
2804
|
+
}
|
|
2805
|
+
]
|
|
2806
|
+
},
|
|
2807
|
+
{
|
|
2808
|
+
"type": "element",
|
|
2809
|
+
"name": "Paragraphe",
|
|
2810
|
+
"children": [
|
|
2811
|
+
{
|
|
2812
|
+
"type": "text",
|
|
2813
|
+
"text": "La prime est majorée en fonction des charges de famille."
|
|
2814
|
+
}
|
|
2815
|
+
]
|
|
2816
|
+
},
|
|
2817
|
+
{
|
|
2818
|
+
"type": "element",
|
|
2819
|
+
"name": "Paragraphe",
|
|
2494
2820
|
"children": [
|
|
2495
2821
|
{
|
|
2496
2822
|
"type": "text",
|
|
@@ -3141,39 +3467,268 @@
|
|
|
3141
3467
|
},
|
|
3142
3468
|
{
|
|
3143
3469
|
"type": "element",
|
|
3144
|
-
"name": "Item",
|
|
3470
|
+
"name": "Item",
|
|
3471
|
+
"children": [
|
|
3472
|
+
{
|
|
3473
|
+
"type": "element",
|
|
3474
|
+
"name": "Paragraphe",
|
|
3475
|
+
"children": [
|
|
3476
|
+
{
|
|
3477
|
+
"type": "text",
|
|
3478
|
+
"text": "Construction de la résidence principale (achat du terrain et travaux de construction)"
|
|
3479
|
+
}
|
|
3480
|
+
]
|
|
3481
|
+
}
|
|
3482
|
+
]
|
|
3483
|
+
},
|
|
3484
|
+
{
|
|
3485
|
+
"type": "element",
|
|
3486
|
+
"name": "Item",
|
|
3487
|
+
"children": [
|
|
3488
|
+
{
|
|
3489
|
+
"type": "element",
|
|
3490
|
+
"name": "Paragraphe",
|
|
3491
|
+
"children": [
|
|
3492
|
+
{
|
|
3493
|
+
"type": "text",
|
|
3494
|
+
"text": "Travaux d'extension, de réparation, ou d'amélioration de la résidence principale (surélévation, économie d'énergie, ravalement de façade d'un immeuble en copropriété...)"
|
|
3495
|
+
}
|
|
3496
|
+
]
|
|
3497
|
+
}
|
|
3498
|
+
]
|
|
3499
|
+
},
|
|
3500
|
+
{
|
|
3501
|
+
"type": "element",
|
|
3502
|
+
"name": "Item",
|
|
3503
|
+
"children": [
|
|
3504
|
+
{
|
|
3505
|
+
"type": "element",
|
|
3506
|
+
"name": "Paragraphe",
|
|
3507
|
+
"children": [
|
|
3508
|
+
{
|
|
3509
|
+
"type": "text",
|
|
3510
|
+
"text": "Acquisition ou la souscription de parts de SCPI (Sociétés civiles de placement immobilier) à vocation d'habitation"
|
|
3511
|
+
}
|
|
3512
|
+
]
|
|
3513
|
+
}
|
|
3514
|
+
]
|
|
3515
|
+
},
|
|
3516
|
+
{
|
|
3517
|
+
"type": "element",
|
|
3518
|
+
"name": "Item",
|
|
3519
|
+
"children": [
|
|
3520
|
+
{
|
|
3521
|
+
"type": "element",
|
|
3522
|
+
"name": "Paragraphe",
|
|
3523
|
+
"children": [
|
|
3524
|
+
{
|
|
3525
|
+
"type": "text",
|
|
3526
|
+
"text": "Construction ou acquisition d’une résidence secondaire (dans le neuf)"
|
|
3527
|
+
}
|
|
3528
|
+
]
|
|
3529
|
+
}
|
|
3530
|
+
]
|
|
3531
|
+
},
|
|
3532
|
+
{
|
|
3533
|
+
"type": "element",
|
|
3534
|
+
"name": "Item",
|
|
3535
|
+
"children": [
|
|
3536
|
+
{
|
|
3537
|
+
"type": "element",
|
|
3538
|
+
"name": "Paragraphe",
|
|
3539
|
+
"children": [
|
|
3540
|
+
{
|
|
3541
|
+
"type": "text",
|
|
3542
|
+
"text": "Rénovation ou extension d’une résidence secondaire"
|
|
3543
|
+
}
|
|
3544
|
+
]
|
|
3545
|
+
}
|
|
3546
|
+
]
|
|
3547
|
+
},
|
|
3548
|
+
{
|
|
3549
|
+
"type": "element",
|
|
3550
|
+
"name": "Item",
|
|
3551
|
+
"children": [
|
|
3552
|
+
{
|
|
3553
|
+
"type": "element",
|
|
3554
|
+
"name": "Paragraphe",
|
|
3555
|
+
"children": [
|
|
3556
|
+
{
|
|
3557
|
+
"type": "text",
|
|
3558
|
+
"text": "Acquisition d’une résidence de loisirs ou de tourisme"
|
|
3559
|
+
}
|
|
3560
|
+
]
|
|
3561
|
+
}
|
|
3562
|
+
]
|
|
3563
|
+
}
|
|
3564
|
+
]
|
|
3565
|
+
},
|
|
3566
|
+
{
|
|
3567
|
+
"type": "element",
|
|
3568
|
+
"name": "ASavoir",
|
|
3569
|
+
"children": [
|
|
3570
|
+
{
|
|
3571
|
+
"type": "element",
|
|
3572
|
+
"name": "Titre",
|
|
3573
|
+
"children": [
|
|
3574
|
+
{
|
|
3575
|
+
"type": "text",
|
|
3576
|
+
"text": "À savoir"
|
|
3577
|
+
}
|
|
3578
|
+
]
|
|
3579
|
+
},
|
|
3580
|
+
{
|
|
3581
|
+
"type": "element",
|
|
3582
|
+
"name": "Paragraphe",
|
|
3583
|
+
"children": [
|
|
3584
|
+
{
|
|
3585
|
+
"type": "text",
|
|
3586
|
+
"text": "les biens immobiliers visés doivent se situer en France métropolitaine, dans les départements d'outre-mer (Guadeloupe, Martinique, Guyane, Réunion), à Saint-Pierre-et-Miquelon, en Nouvelle-Calédonie, en Polynésie française ou à Mayotte."
|
|
3587
|
+
}
|
|
3588
|
+
]
|
|
3589
|
+
}
|
|
3590
|
+
]
|
|
3591
|
+
}
|
|
3592
|
+
]
|
|
3593
|
+
},
|
|
3594
|
+
{
|
|
3595
|
+
"type": "element",
|
|
3596
|
+
"name": "Chapitre",
|
|
3597
|
+
"children": [
|
|
3598
|
+
{
|
|
3599
|
+
"type": "element",
|
|
3600
|
+
"name": "Titre",
|
|
3601
|
+
"children": [
|
|
3602
|
+
{
|
|
3603
|
+
"type": "element",
|
|
3604
|
+
"name": "Paragraphe",
|
|
3605
|
+
"children": [
|
|
3606
|
+
{
|
|
3607
|
+
"type": "text",
|
|
3608
|
+
"text": "Comment obtenir le prêt épargne logement ?"
|
|
3609
|
+
}
|
|
3610
|
+
]
|
|
3611
|
+
}
|
|
3612
|
+
]
|
|
3613
|
+
},
|
|
3614
|
+
{
|
|
3615
|
+
"type": "element",
|
|
3616
|
+
"name": "SousChapitre",
|
|
3617
|
+
"children": [
|
|
3618
|
+
{
|
|
3619
|
+
"type": "element",
|
|
3620
|
+
"name": "Titre",
|
|
3621
|
+
"children": [
|
|
3622
|
+
{
|
|
3623
|
+
"type": "element",
|
|
3624
|
+
"name": "Paragraphe",
|
|
3625
|
+
"children": [
|
|
3626
|
+
{
|
|
3627
|
+
"type": "text",
|
|
3628
|
+
"text": "Avoir un PEL arrivé à terme"
|
|
3629
|
+
}
|
|
3630
|
+
]
|
|
3631
|
+
}
|
|
3632
|
+
]
|
|
3633
|
+
},
|
|
3634
|
+
{
|
|
3635
|
+
"type": "element",
|
|
3636
|
+
"name": "Paragraphe",
|
|
3637
|
+
"children": [
|
|
3638
|
+
{
|
|
3639
|
+
"type": "text",
|
|
3640
|
+
"text": "Pour avoir droit à un prêt épargne logement, vous devez être titulaire d'un "
|
|
3641
|
+
},
|
|
3642
|
+
{
|
|
3643
|
+
"type": "element",
|
|
3644
|
+
"name": "LienInterne",
|
|
3645
|
+
"attributes": {
|
|
3646
|
+
"LienPublication": "F16140",
|
|
3647
|
+
"type": "Fiche d'information conditionnée",
|
|
3648
|
+
"audience": "Particuliers"
|
|
3649
|
+
},
|
|
3650
|
+
"children": [
|
|
3651
|
+
{
|
|
3652
|
+
"type": "text",
|
|
3653
|
+
"text": "plan épargne logement (PEL)"
|
|
3654
|
+
}
|
|
3655
|
+
]
|
|
3656
|
+
},
|
|
3657
|
+
{
|
|
3658
|
+
"type": "text",
|
|
3659
|
+
"text": " arrivé à terme, c'est-à-dire un plan qui a atteint la fin de sa durée contractuelle."
|
|
3660
|
+
}
|
|
3661
|
+
]
|
|
3662
|
+
},
|
|
3663
|
+
{
|
|
3664
|
+
"type": "element",
|
|
3665
|
+
"name": "Paragraphe",
|
|
3666
|
+
"children": [
|
|
3667
|
+
{
|
|
3668
|
+
"type": "text",
|
|
3669
|
+
"text": "La durée contractuelle du PEL est de 4 ans, et le plan arrive donc à terme à la fin de la 4ème année."
|
|
3670
|
+
}
|
|
3671
|
+
]
|
|
3672
|
+
},
|
|
3673
|
+
{
|
|
3674
|
+
"type": "element",
|
|
3675
|
+
"name": "Paragraphe",
|
|
3676
|
+
"children": [
|
|
3677
|
+
{
|
|
3678
|
+
"type": "text",
|
|
3679
|
+
"text": "Mais cette durée contractuelle peut être modifiée d'un commun accord entre la banque et vous."
|
|
3680
|
+
}
|
|
3681
|
+
]
|
|
3682
|
+
},
|
|
3683
|
+
{
|
|
3684
|
+
"type": "element",
|
|
3685
|
+
"name": "Paragraphe",
|
|
3686
|
+
"children": [
|
|
3687
|
+
{
|
|
3688
|
+
"type": "text",
|
|
3689
|
+
"text": "La durée contractuelle du PEL peut être réduite d'un an, et dans ce cas le plan arrivera à terme au bout de la 3e année."
|
|
3690
|
+
}
|
|
3691
|
+
]
|
|
3692
|
+
},
|
|
3693
|
+
{
|
|
3694
|
+
"type": "element",
|
|
3695
|
+
"name": "Paragraphe",
|
|
3696
|
+
"children": [
|
|
3697
|
+
{
|
|
3698
|
+
"type": "text",
|
|
3699
|
+
"text": "La durée contractuelle du plan peut aussi être prolongée d'un an, et dans ce cas le plan arrivera à échéance au bout de la 5e année."
|
|
3700
|
+
}
|
|
3701
|
+
]
|
|
3702
|
+
},
|
|
3703
|
+
{
|
|
3704
|
+
"type": "element",
|
|
3705
|
+
"name": "Paragraphe",
|
|
3145
3706
|
"children": [
|
|
3146
3707
|
{
|
|
3147
|
-
"type": "
|
|
3148
|
-
"
|
|
3149
|
-
"children": [
|
|
3150
|
-
{
|
|
3151
|
-
"type": "text",
|
|
3152
|
-
"text": "Construction de la résidence principale (achat du terrain et travaux de construction)"
|
|
3153
|
-
}
|
|
3154
|
-
]
|
|
3708
|
+
"type": "text",
|
|
3709
|
+
"text": "La prolongation d'un an peut se faire plusieurs fois de suite, dans la limite d'une durée totale de 10 ans."
|
|
3155
3710
|
}
|
|
3156
3711
|
]
|
|
3157
3712
|
},
|
|
3158
3713
|
{
|
|
3159
3714
|
"type": "element",
|
|
3160
|
-
"name": "
|
|
3715
|
+
"name": "Paragraphe",
|
|
3161
3716
|
"children": [
|
|
3162
3717
|
{
|
|
3163
|
-
"type": "
|
|
3164
|
-
"
|
|
3165
|
-
"children": [
|
|
3166
|
-
{
|
|
3167
|
-
"type": "text",
|
|
3168
|
-
"text": "Travaux d'extension, de réparation, ou d'amélioration de la résidence principale (surélévation, économie d'énergie, ravalement de façade d'un immeuble en copropriété...)"
|
|
3169
|
-
}
|
|
3170
|
-
]
|
|
3718
|
+
"type": "text",
|
|
3719
|
+
"text": "Ainsi, en cas de prolongations successives, le PEL peut arriver à terme au bout de 5, 6, 7, 8, 9, ou 10 ans."
|
|
3171
3720
|
}
|
|
3172
3721
|
]
|
|
3173
|
-
}
|
|
3722
|
+
}
|
|
3723
|
+
]
|
|
3724
|
+
},
|
|
3725
|
+
{
|
|
3726
|
+
"type": "element",
|
|
3727
|
+
"name": "SousChapitre",
|
|
3728
|
+
"children": [
|
|
3174
3729
|
{
|
|
3175
3730
|
"type": "element",
|
|
3176
|
-
"name": "
|
|
3731
|
+
"name": "Titre",
|
|
3177
3732
|
"children": [
|
|
3178
3733
|
{
|
|
3179
3734
|
"type": "element",
|
|
@@ -3181,7 +3736,7 @@
|
|
|
3181
3736
|
"children": [
|
|
3182
3737
|
{
|
|
3183
3738
|
"type": "text",
|
|
3184
|
-
"text": "
|
|
3739
|
+
"text": "Disposer de droits à prêts"
|
|
3185
3740
|
}
|
|
3186
3741
|
]
|
|
3187
3742
|
}
|
|
@@ -3189,65 +3744,72 @@
|
|
|
3189
3744
|
},
|
|
3190
3745
|
{
|
|
3191
3746
|
"type": "element",
|
|
3192
|
-
"name": "
|
|
3747
|
+
"name": "Paragraphe",
|
|
3193
3748
|
"children": [
|
|
3194
3749
|
{
|
|
3195
|
-
"type": "
|
|
3196
|
-
"
|
|
3197
|
-
"children": [
|
|
3198
|
-
{
|
|
3199
|
-
"type": "text",
|
|
3200
|
-
"text": "Construction ou acquisition d’une résidence secondaire (dans le neuf)"
|
|
3201
|
-
}
|
|
3202
|
-
]
|
|
3750
|
+
"type": "text",
|
|
3751
|
+
"text": "Le montant du prêt qui vous sera accordé est calculé à partir du montant total des intérêts que vous avez obtenus sur le PEL à la date du dernier anniversaire du plan."
|
|
3203
3752
|
}
|
|
3204
3753
|
]
|
|
3205
3754
|
},
|
|
3206
3755
|
{
|
|
3207
3756
|
"type": "element",
|
|
3208
|
-
"name": "
|
|
3757
|
+
"name": "Paragraphe",
|
|
3209
3758
|
"children": [
|
|
3759
|
+
{
|
|
3760
|
+
"type": "text",
|
|
3761
|
+
"text": "Ces intérêts constituent vos "
|
|
3762
|
+
},
|
|
3210
3763
|
{
|
|
3211
3764
|
"type": "element",
|
|
3212
|
-
"name": "
|
|
3765
|
+
"name": "Expression",
|
|
3213
3766
|
"children": [
|
|
3214
3767
|
{
|
|
3215
3768
|
"type": "text",
|
|
3216
|
-
"text": "
|
|
3769
|
+
"text": "droits à prêt"
|
|
3217
3770
|
}
|
|
3218
3771
|
]
|
|
3772
|
+
},
|
|
3773
|
+
{
|
|
3774
|
+
"type": "text",
|
|
3775
|
+
"text": "."
|
|
3219
3776
|
}
|
|
3220
3777
|
]
|
|
3221
3778
|
},
|
|
3222
3779
|
{
|
|
3223
3780
|
"type": "element",
|
|
3224
|
-
"name": "
|
|
3781
|
+
"name": "Paragraphe",
|
|
3225
3782
|
"children": [
|
|
3783
|
+
{
|
|
3784
|
+
"type": "text",
|
|
3785
|
+
"text": "Si un membre de votre famille a un PEL, il peut vous "
|
|
3786
|
+
},
|
|
3226
3787
|
{
|
|
3227
3788
|
"type": "element",
|
|
3228
|
-
"name": "
|
|
3789
|
+
"name": "LienExterne",
|
|
3790
|
+
"attributes": {
|
|
3791
|
+
"URL": "https://www.lafinancepourtous.com/pratique/credit/credit-immobilier/le-pret-du-pel-et-du-cel/"
|
|
3792
|
+
},
|
|
3229
3793
|
"children": [
|
|
3230
3794
|
{
|
|
3231
3795
|
"type": "text",
|
|
3232
|
-
"text": "
|
|
3796
|
+
"text": "céder ses droits à prêt"
|
|
3233
3797
|
}
|
|
3234
3798
|
]
|
|
3799
|
+
},
|
|
3800
|
+
{
|
|
3801
|
+
"type": "text",
|
|
3802
|
+
"text": ". Cela peut vous permettre d'obtenir un prêt si vous n'avez pas de droits à prêt, ou d'obtenir un prêt d'un montant plus élevé que celui auquel vous avez droit."
|
|
3235
3803
|
}
|
|
3236
3804
|
]
|
|
3237
|
-
}
|
|
3238
|
-
]
|
|
3239
|
-
},
|
|
3240
|
-
{
|
|
3241
|
-
"type": "element",
|
|
3242
|
-
"name": "ASavoir",
|
|
3243
|
-
"children": [
|
|
3805
|
+
},
|
|
3244
3806
|
{
|
|
3245
3807
|
"type": "element",
|
|
3246
|
-
"name": "
|
|
3808
|
+
"name": "Paragraphe",
|
|
3247
3809
|
"children": [
|
|
3248
3810
|
{
|
|
3249
3811
|
"type": "text",
|
|
3250
|
-
"text": "
|
|
3812
|
+
"text": "Pour pouvoir utiliser utiliser les droits à prêt d'un membre de votre famille, il faut que votre PEL et celui de votre proche soient arrivés à terme."
|
|
3251
3813
|
}
|
|
3252
3814
|
]
|
|
3253
3815
|
},
|
|
@@ -3257,80 +3819,176 @@
|
|
|
3257
3819
|
"children": [
|
|
3258
3820
|
{
|
|
3259
3821
|
"type": "text",
|
|
3260
|
-
"text": "les
|
|
3822
|
+
"text": "Si les 2 plans ne sont pas domiciliés dans la même banque, le prêt doit être octroyé par la banque où est domicilié le plan dont le montant d'intérêts acquis est le plus élevé."
|
|
3261
3823
|
}
|
|
3262
3824
|
]
|
|
3263
|
-
}
|
|
3264
|
-
]
|
|
3265
|
-
}
|
|
3266
|
-
]
|
|
3267
|
-
},
|
|
3268
|
-
{
|
|
3269
|
-
"type": "element",
|
|
3270
|
-
"name": "Chapitre",
|
|
3271
|
-
"children": [
|
|
3272
|
-
{
|
|
3273
|
-
"type": "element",
|
|
3274
|
-
"name": "Titre",
|
|
3275
|
-
"children": [
|
|
3825
|
+
},
|
|
3276
3826
|
{
|
|
3277
3827
|
"type": "element",
|
|
3278
3828
|
"name": "Paragraphe",
|
|
3279
3829
|
"children": [
|
|
3280
3830
|
{
|
|
3281
3831
|
"type": "text",
|
|
3282
|
-
"text": "
|
|
3832
|
+
"text": "Les membres de votre famille à qui vous pouvez céder vos droits à prêt ou dont vous pouvez recevoir les droits à prêt sont les suivants :"
|
|
3283
3833
|
}
|
|
3284
3834
|
]
|
|
3285
|
-
}
|
|
3286
|
-
]
|
|
3287
|
-
},
|
|
3288
|
-
{
|
|
3289
|
-
"type": "element",
|
|
3290
|
-
"name": "SousChapitre",
|
|
3291
|
-
"children": [
|
|
3835
|
+
},
|
|
3292
3836
|
{
|
|
3293
3837
|
"type": "element",
|
|
3294
|
-
"name": "
|
|
3838
|
+
"name": "Liste",
|
|
3839
|
+
"attributes": {
|
|
3840
|
+
"type": "puce"
|
|
3841
|
+
},
|
|
3295
3842
|
"children": [
|
|
3296
3843
|
{
|
|
3297
3844
|
"type": "element",
|
|
3298
|
-
"name": "
|
|
3845
|
+
"name": "Item",
|
|
3299
3846
|
"children": [
|
|
3300
3847
|
{
|
|
3301
|
-
"type": "
|
|
3302
|
-
"
|
|
3848
|
+
"type": "element",
|
|
3849
|
+
"name": "Paragraphe",
|
|
3850
|
+
"children": [
|
|
3851
|
+
{
|
|
3852
|
+
"type": "text",
|
|
3853
|
+
"text": "Votre époux/épouse"
|
|
3854
|
+
}
|
|
3855
|
+
]
|
|
3856
|
+
}
|
|
3857
|
+
]
|
|
3858
|
+
},
|
|
3859
|
+
{
|
|
3860
|
+
"type": "element",
|
|
3861
|
+
"name": "Item",
|
|
3862
|
+
"children": [
|
|
3863
|
+
{
|
|
3864
|
+
"type": "element",
|
|
3865
|
+
"name": "Paragraphe",
|
|
3866
|
+
"children": [
|
|
3867
|
+
{
|
|
3868
|
+
"type": "text",
|
|
3869
|
+
"text": "Vos enfants ou les enfants de votre époux/épouse"
|
|
3870
|
+
}
|
|
3871
|
+
]
|
|
3872
|
+
}
|
|
3873
|
+
]
|
|
3874
|
+
},
|
|
3875
|
+
{
|
|
3876
|
+
"type": "element",
|
|
3877
|
+
"name": "Item",
|
|
3878
|
+
"children": [
|
|
3879
|
+
{
|
|
3880
|
+
"type": "element",
|
|
3881
|
+
"name": "Paragraphe",
|
|
3882
|
+
"children": [
|
|
3883
|
+
{
|
|
3884
|
+
"type": "text",
|
|
3885
|
+
"text": "Vos petits-enfants ou les petits-enfants de votre époux/épouse"
|
|
3886
|
+
}
|
|
3887
|
+
]
|
|
3888
|
+
}
|
|
3889
|
+
]
|
|
3890
|
+
},
|
|
3891
|
+
{
|
|
3892
|
+
"type": "element",
|
|
3893
|
+
"name": "Item",
|
|
3894
|
+
"children": [
|
|
3895
|
+
{
|
|
3896
|
+
"type": "element",
|
|
3897
|
+
"name": "Paragraphe",
|
|
3898
|
+
"children": [
|
|
3899
|
+
{
|
|
3900
|
+
"type": "text",
|
|
3901
|
+
"text": "Vos parents ou les parents de votre époux/épouse"
|
|
3902
|
+
}
|
|
3903
|
+
]
|
|
3904
|
+
}
|
|
3905
|
+
]
|
|
3906
|
+
},
|
|
3907
|
+
{
|
|
3908
|
+
"type": "element",
|
|
3909
|
+
"name": "Item",
|
|
3910
|
+
"children": [
|
|
3911
|
+
{
|
|
3912
|
+
"type": "element",
|
|
3913
|
+
"name": "Paragraphe",
|
|
3914
|
+
"children": [
|
|
3915
|
+
{
|
|
3916
|
+
"type": "text",
|
|
3917
|
+
"text": "Vos grands-parents ou les grands-parents de votre époux/épouse"
|
|
3918
|
+
}
|
|
3919
|
+
]
|
|
3920
|
+
}
|
|
3921
|
+
]
|
|
3922
|
+
},
|
|
3923
|
+
{
|
|
3924
|
+
"type": "element",
|
|
3925
|
+
"name": "Item",
|
|
3926
|
+
"children": [
|
|
3927
|
+
{
|
|
3928
|
+
"type": "element",
|
|
3929
|
+
"name": "Paragraphe",
|
|
3930
|
+
"children": [
|
|
3931
|
+
{
|
|
3932
|
+
"type": "text",
|
|
3933
|
+
"text": "Vos frères et sœurs et leurs conjoints ou les frères et sœurs de votre époux/épouse"
|
|
3934
|
+
}
|
|
3935
|
+
]
|
|
3936
|
+
}
|
|
3937
|
+
]
|
|
3938
|
+
},
|
|
3939
|
+
{
|
|
3940
|
+
"type": "element",
|
|
3941
|
+
"name": "Item",
|
|
3942
|
+
"children": [
|
|
3943
|
+
{
|
|
3944
|
+
"type": "element",
|
|
3945
|
+
"name": "Paragraphe",
|
|
3946
|
+
"children": [
|
|
3947
|
+
{
|
|
3948
|
+
"type": "text",
|
|
3949
|
+
"text": "Vos neveux et nièces ou les neveux et nièces de votre époux/épouse"
|
|
3950
|
+
}
|
|
3951
|
+
]
|
|
3952
|
+
}
|
|
3953
|
+
]
|
|
3954
|
+
},
|
|
3955
|
+
{
|
|
3956
|
+
"type": "element",
|
|
3957
|
+
"name": "Item",
|
|
3958
|
+
"children": [
|
|
3959
|
+
{
|
|
3960
|
+
"type": "element",
|
|
3961
|
+
"name": "Paragraphe",
|
|
3962
|
+
"children": [
|
|
3963
|
+
{
|
|
3964
|
+
"type": "text",
|
|
3965
|
+
"text": "Vos oncles et tantes ou les oncles et tantes de votre époux/épouse"
|
|
3966
|
+
}
|
|
3967
|
+
]
|
|
3303
3968
|
}
|
|
3304
3969
|
]
|
|
3305
3970
|
}
|
|
3306
3971
|
]
|
|
3307
|
-
}
|
|
3972
|
+
}
|
|
3973
|
+
]
|
|
3974
|
+
},
|
|
3975
|
+
{
|
|
3976
|
+
"type": "element",
|
|
3977
|
+
"name": "SousChapitre",
|
|
3978
|
+
"children": [
|
|
3308
3979
|
{
|
|
3309
3980
|
"type": "element",
|
|
3310
|
-
"name": "
|
|
3981
|
+
"name": "Titre",
|
|
3311
3982
|
"children": [
|
|
3312
|
-
{
|
|
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"text": "Si vous êtes titulaire d'un PEL qui est arrivé à échéance, et que vous disposez de droits à prêt (générés par votre plan ou reçus de vos proches), vous pouvez demander le prêt épargne logement."
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"text": "hypothèque conventionnement"
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},
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{
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"text": "hypothèque légale sociale du prêteur de deniers"
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{
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"text": "Assurance emprunteur"
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"text": "Mais la banque ne peut pas vous imposer de domicilier vos revenus dans son établissement."
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{
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"text": "droits à prêt"
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{
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"type": "text",
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|
|
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"text": "Comment est calculé le montant du prêt épargne logement ?"
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|
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{
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|
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"text": "Le montant d'un prêt épargne logement doit être compris "
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{
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"type": "text",
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|
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|
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"text": "céder ses droits à prêt"
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|
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}
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|
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]
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|
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},
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|
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|
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"text": "entre"
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|
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}
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},
|
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{
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"type": "element",
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"name": "Valeur",
|
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"children": [
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|
"type": "text",
|
|
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|
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"text": "
|
|
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|
+
"text": "5 000 €"
|
|
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|
}
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|
]
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|
},
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"name": "
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|
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"name": "MiseEnEvidence",
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|
"children": [
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|
{
|
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|
"type": "text",
|
|
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|
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"text": "
|
|
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|
+
"text": "minimum et"
|
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|
}
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|
]
|
|
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|
},
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{
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|
"type": "element",
|
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|
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"name": "
|
|
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|
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"name": "Valeur",
|
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|
"children": [
|
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|
{
|
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|
"type": "text",
|
|
3496
|
-
"text": "
|
|
4265
|
+
"text": "92 000 €"
|
|
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|
}
|
|
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4267
|
]
|
|
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4268
|
},
|
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|
{
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|
"type": "element",
|
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|
-
"name": "
|
|
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|
+
"name": "MiseEnEvidence",
|
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4272
|
"children": [
|
|
3504
4273
|
{
|
|
3505
4274
|
"type": "text",
|
|
3506
|
-
"text": "
|
|
4275
|
+
"text": "maximum"
|
|
3507
4276
|
}
|
|
3508
4277
|
]
|
|
3509
4278
|
},
|
|
4279
|
+
{
|
|
4280
|
+
"type": "text",
|
|
4281
|
+
"text": "."
|
|
4282
|
+
}
|
|
4283
|
+
]
|
|
4284
|
+
},
|
|
4285
|
+
{
|
|
4286
|
+
"type": "element",
|
|
4287
|
+
"name": "ASavoir",
|
|
4288
|
+
"children": [
|
|
3510
4289
|
{
|
|
3511
4290
|
"type": "element",
|
|
3512
|
-
"name": "
|
|
3513
|
-
"attributes": {
|
|
3514
|
-
"type": "puce"
|
|
3515
|
-
},
|
|
4291
|
+
"name": "Titre",
|
|
3516
4292
|
"children": [
|
|
3517
4293
|
{
|
|
3518
|
-
"type": "
|
|
3519
|
-
"
|
|
3520
|
-
|
|
3521
|
-
|
|
3522
|
-
|
|
3523
|
-
|
|
3524
|
-
|
|
3525
|
-
|
|
3526
|
-
|
|
3527
|
-
"text": "Votre époux/épouse"
|
|
3528
|
-
}
|
|
3529
|
-
]
|
|
3530
|
-
}
|
|
3531
|
-
]
|
|
3532
|
-
},
|
|
4294
|
+
"type": "text",
|
|
4295
|
+
"text": "À savoir"
|
|
4296
|
+
}
|
|
4297
|
+
]
|
|
4298
|
+
},
|
|
4299
|
+
{
|
|
4300
|
+
"type": "element",
|
|
4301
|
+
"name": "Paragraphe",
|
|
4302
|
+
"children": [
|
|
3533
4303
|
{
|
|
3534
|
-
"type": "
|
|
3535
|
-
"
|
|
3536
|
-
"children": [
|
|
3537
|
-
{
|
|
3538
|
-
"type": "element",
|
|
3539
|
-
"name": "Paragraphe",
|
|
3540
|
-
"children": [
|
|
3541
|
-
{
|
|
3542
|
-
"type": "text",
|
|
3543
|
-
"text": "Vos enfants ou les enfants de votre époux/épouse"
|
|
3544
|
-
}
|
|
3545
|
-
]
|
|
3546
|
-
}
|
|
3547
|
-
]
|
|
4304
|
+
"type": "text",
|
|
4305
|
+
"text": "Si vous avez un PEL et un "
|
|
3548
4306
|
},
|
|
3549
4307
|
{
|
|
3550
4308
|
"type": "element",
|
|
3551
|
-
"name": "
|
|
4309
|
+
"name": "LienInterne",
|
|
4310
|
+
"attributes": {
|
|
4311
|
+
"LienPublication": "F16136",
|
|
4312
|
+
"type": "Fiche d'information conditionnée",
|
|
4313
|
+
"audience": "Particuliers"
|
|
4314
|
+
},
|
|
3552
4315
|
"children": [
|
|
3553
4316
|
{
|
|
3554
|
-
"type": "
|
|
3555
|
-
"
|
|
3556
|
-
"children": [
|
|
3557
|
-
{
|
|
3558
|
-
"type": "text",
|
|
3559
|
-
"text": "Vos petits-enfants ou les petits-enfants de votre époux/épouse"
|
|
3560
|
-
}
|
|
3561
|
-
]
|
|
4317
|
+
"type": "text",
|
|
4318
|
+
"text": "CEL"
|
|
3562
4319
|
}
|
|
3563
4320
|
]
|
|
3564
4321
|
},
|
|
3565
4322
|
{
|
|
3566
|
-
"type": "
|
|
3567
|
-
"
|
|
3568
|
-
"children": [
|
|
3569
|
-
{
|
|
3570
|
-
"type": "element",
|
|
3571
|
-
"name": "Paragraphe",
|
|
3572
|
-
"children": [
|
|
3573
|
-
{
|
|
3574
|
-
"type": "text",
|
|
3575
|
-
"text": "Vos parents ou les parents de votre époux/épouse"
|
|
3576
|
-
}
|
|
3577
|
-
]
|
|
3578
|
-
}
|
|
3579
|
-
]
|
|
4323
|
+
"type": "text",
|
|
4324
|
+
"text": " ouverts dans la même banque, vous pouvez obtenir auprès de cette banque un prêt à partir de votre PEL et un "
|
|
3580
4325
|
},
|
|
3581
4326
|
{
|
|
3582
4327
|
"type": "element",
|
|
3583
|
-
"name": "
|
|
4328
|
+
"name": "LienInterne",
|
|
4329
|
+
"attributes": {
|
|
4330
|
+
"LienPublication": "F16139",
|
|
4331
|
+
"type": "Fiche d'information conditionnée",
|
|
4332
|
+
"audience": "Particuliers"
|
|
4333
|
+
},
|
|
3584
4334
|
"children": [
|
|
3585
4335
|
{
|
|
3586
|
-
"type": "
|
|
3587
|
-
"
|
|
3588
|
-
"children": [
|
|
3589
|
-
{
|
|
3590
|
-
"type": "text",
|
|
3591
|
-
"text": "Vos grands-parents ou les grands-parents de votre époux/épouse"
|
|
3592
|
-
}
|
|
3593
|
-
]
|
|
4336
|
+
"type": "text",
|
|
4337
|
+
"text": "prêt à partir de votre CEL"
|
|
3594
4338
|
}
|
|
3595
4339
|
]
|
|
3596
4340
|
},
|
|
3597
4341
|
{
|
|
3598
|
-
"type": "
|
|
3599
|
-
"
|
|
3600
|
-
"children": [
|
|
3601
|
-
{
|
|
3602
|
-
"type": "element",
|
|
3603
|
-
"name": "Paragraphe",
|
|
3604
|
-
"children": [
|
|
3605
|
-
{
|
|
3606
|
-
"type": "text",
|
|
3607
|
-
"text": "Vos frères et sœurs et leurs conjoints ou les frères et sœurs de votre époux/épouse"
|
|
3608
|
-
}
|
|
3609
|
-
]
|
|
3610
|
-
}
|
|
3611
|
-
]
|
|
4342
|
+
"type": "text",
|
|
4343
|
+
"text": ". Mais le montant total des 2 prêts ne peut pas dépasser "
|
|
3612
4344
|
},
|
|
3613
4345
|
{
|
|
3614
4346
|
"type": "element",
|
|
3615
|
-
"name": "
|
|
4347
|
+
"name": "Valeur",
|
|
3616
4348
|
"children": [
|
|
3617
4349
|
{
|
|
3618
|
-
"type": "
|
|
3619
|
-
"
|
|
3620
|
-
"children": [
|
|
3621
|
-
{
|
|
3622
|
-
"type": "text",
|
|
3623
|
-
"text": "Vos neveux et nièces ou les neveux et nièces de votre époux/épouse"
|
|
3624
|
-
}
|
|
3625
|
-
]
|
|
4350
|
+
"type": "text",
|
|
4351
|
+
"text": "92 000 €"
|
|
3626
4352
|
}
|
|
3627
4353
|
]
|
|
3628
4354
|
},
|
|
3629
4355
|
{
|
|
3630
|
-
"type": "
|
|
3631
|
-
"
|
|
3632
|
-
"children": [
|
|
3633
|
-
{
|
|
3634
|
-
"type": "element",
|
|
3635
|
-
"name": "Paragraphe",
|
|
3636
|
-
"children": [
|
|
3637
|
-
{
|
|
3638
|
-
"type": "text",
|
|
3639
|
-
"text": "Vos oncles et tantes ou les oncles et tantes de votre époux/épouse"
|
|
3640
|
-
}
|
|
3641
|
-
]
|
|
3642
|
-
}
|
|
3643
|
-
]
|
|
4356
|
+
"type": "text",
|
|
4357
|
+
"text": "."
|
|
3644
4358
|
}
|
|
3645
4359
|
]
|
|
3646
4360
|
}
|
|
@@ -3648,93 +4362,95 @@
|
|
|
3648
4362
|
},
|
|
3649
4363
|
{
|
|
3650
4364
|
"type": "element",
|
|
3651
|
-
"name": "
|
|
4365
|
+
"name": "Paragraphe",
|
|
3652
4366
|
"children": [
|
|
3653
4367
|
{
|
|
3654
|
-
"type": "
|
|
3655
|
-
"
|
|
3656
|
-
|
|
3657
|
-
|
|
3658
|
-
|
|
3659
|
-
|
|
3660
|
-
|
|
3661
|
-
|
|
3662
|
-
|
|
3663
|
-
"text": "Faire la demande de prêt"
|
|
3664
|
-
}
|
|
3665
|
-
]
|
|
3666
|
-
}
|
|
3667
|
-
]
|
|
3668
|
-
},
|
|
4368
|
+
"type": "text",
|
|
4369
|
+
"text": "Le montant de votre prêt épargne logement est calculé à partir des déterminants suivants :"
|
|
4370
|
+
}
|
|
4371
|
+
]
|
|
4372
|
+
},
|
|
4373
|
+
{
|
|
4374
|
+
"type": "element",
|
|
4375
|
+
"name": "Tableau",
|
|
4376
|
+
"children": [
|
|
3669
4377
|
{
|
|
3670
4378
|
"type": "element",
|
|
3671
|
-
"name": "
|
|
4379
|
+
"name": "Titre",
|
|
3672
4380
|
"children": [
|
|
3673
4381
|
{
|
|
3674
4382
|
"type": "text",
|
|
3675
|
-
"text": "
|
|
4383
|
+
"text": "Déterminants pour le calcul du prêt épargne logement"
|
|
3676
4384
|
}
|
|
3677
4385
|
]
|
|
3678
4386
|
},
|
|
3679
4387
|
{
|
|
3680
4388
|
"type": "element",
|
|
3681
|
-
"name": "
|
|
3682
|
-
"
|
|
3683
|
-
|
|
3684
|
-
|
|
3685
|
-
|
|
3686
|
-
}
|
|
3687
|
-
]
|
|
4389
|
+
"name": "Colonne",
|
|
4390
|
+
"attributes": {
|
|
4391
|
+
"largeur": "33",
|
|
4392
|
+
"type": "normal"
|
|
4393
|
+
}
|
|
3688
4394
|
},
|
|
3689
4395
|
{
|
|
3690
4396
|
"type": "element",
|
|
3691
|
-
"name": "
|
|
3692
|
-
"
|
|
3693
|
-
|
|
3694
|
-
|
|
3695
|
-
|
|
3696
|
-
}
|
|
3697
|
-
]
|
|
4397
|
+
"name": "Colonne",
|
|
4398
|
+
"attributes": {
|
|
4399
|
+
"largeur": "44",
|
|
4400
|
+
"type": "normal"
|
|
4401
|
+
}
|
|
3698
4402
|
},
|
|
3699
4403
|
{
|
|
3700
4404
|
"type": "element",
|
|
3701
|
-
"name": "
|
|
4405
|
+
"name": "Rangée",
|
|
4406
|
+
"attributes": {
|
|
4407
|
+
"type": "header"
|
|
4408
|
+
},
|
|
3702
4409
|
"children": [
|
|
3703
|
-
{
|
|
3704
|
-
"type": "text",
|
|
3705
|
-
"text": "Avant de vous accorder le prêt, la banque peut exiger les éléments habituellement demandés pour l'octroi de "
|
|
3706
|
-
},
|
|
3707
4410
|
{
|
|
3708
4411
|
"type": "element",
|
|
3709
|
-
"name": "
|
|
3710
|
-
"attributes": {
|
|
3711
|
-
"LienPublication": "N20373",
|
|
3712
|
-
"type": "Dossier",
|
|
3713
|
-
"audience": "Particuliers"
|
|
3714
|
-
},
|
|
4412
|
+
"name": "Cellule",
|
|
3715
4413
|
"children": [
|
|
3716
4414
|
{
|
|
3717
|
-
"type": "
|
|
3718
|
-
"
|
|
4415
|
+
"type": "element",
|
|
4416
|
+
"name": "Paragraphe",
|
|
4417
|
+
"children": [
|
|
4418
|
+
{
|
|
4419
|
+
"type": "text",
|
|
4420
|
+
"text": "Déterminants"
|
|
4421
|
+
}
|
|
4422
|
+
]
|
|
3719
4423
|
}
|
|
3720
4424
|
]
|
|
3721
4425
|
},
|
|
3722
4426
|
{
|
|
3723
|
-
"type": "
|
|
3724
|
-
"
|
|
4427
|
+
"type": "element",
|
|
4428
|
+
"name": "Cellule",
|
|
4429
|
+
"children": [
|
|
4430
|
+
{
|
|
4431
|
+
"type": "element",
|
|
4432
|
+
"name": "Paragraphe",
|
|
4433
|
+
"children": [
|
|
4434
|
+
{
|
|
4435
|
+
"type": "text",
|
|
4436
|
+
"text": "Valeurs à prendre en compte"
|
|
4437
|
+
}
|
|
4438
|
+
]
|
|
4439
|
+
}
|
|
4440
|
+
]
|
|
3725
4441
|
}
|
|
3726
4442
|
]
|
|
3727
4443
|
},
|
|
3728
4444
|
{
|
|
3729
4445
|
"type": "element",
|
|
3730
|
-
"name": "
|
|
4446
|
+
"name": "Rangée",
|
|
3731
4447
|
"attributes": {
|
|
3732
|
-
"type": "
|
|
4448
|
+
"type": "normal"
|
|
3733
4449
|
},
|
|
3734
4450
|
"children": [
|
|
3735
4451
|
{
|
|
3736
4452
|
"type": "element",
|
|
3737
|
-
"name": "
|
|
4453
|
+
"name": "Cellule",
|
|
3738
4454
|
"children": [
|
|
3739
4455
|
{
|
|
3740
4456
|
"type": "element",
|
|
@@ -3742,16 +4458,7 @@
|
|
|
3742
4458
|
"children": [
|
|
3743
4459
|
{
|
|
3744
4460
|
"type": "text",
|
|
3745
|
-
"text": "
|
|
3746
|
-
},
|
|
3747
|
-
{
|
|
3748
|
-
"type": "element",
|
|
3749
|
-
"name": "LienInterne",
|
|
3750
|
-
"attributes": {
|
|
3751
|
-
"LienPublication": "F786",
|
|
3752
|
-
"type": "Fiche Question-réponse conditionnée",
|
|
3753
|
-
"audience": "Particuliers"
|
|
3754
|
-
}
|
|
4461
|
+
"text": "Montant du prêt épargne logement"
|
|
3755
4462
|
}
|
|
3756
4463
|
]
|
|
3757
4464
|
}
|
|
@@ -3759,68 +4466,91 @@
|
|
|
3759
4466
|
},
|
|
3760
4467
|
{
|
|
3761
4468
|
"type": "element",
|
|
3762
|
-
"name": "
|
|
4469
|
+
"name": "Cellule",
|
|
3763
4470
|
"children": [
|
|
3764
4471
|
{
|
|
3765
4472
|
"type": "element",
|
|
3766
|
-
"name": "
|
|
4473
|
+
"name": "Liste",
|
|
4474
|
+
"attributes": {
|
|
4475
|
+
"type": "puce"
|
|
4476
|
+
},
|
|
3767
4477
|
"children": [
|
|
3768
|
-
{
|
|
3769
|
-
"type": "text",
|
|
3770
|
-
"text": "Garantie : "
|
|
3771
|
-
},
|
|
3772
4478
|
{
|
|
3773
4479
|
"type": "element",
|
|
3774
|
-
"name": "
|
|
3775
|
-
"attributes": {
|
|
3776
|
-
"LienPublication": "F34997",
|
|
3777
|
-
"type": "Fiche Question-réponse conditionnée",
|
|
3778
|
-
"audience": "Particuliers"
|
|
3779
|
-
},
|
|
4480
|
+
"name": "Item",
|
|
3780
4481
|
"children": [
|
|
3781
4482
|
{
|
|
3782
|
-
"type": "
|
|
3783
|
-
"
|
|
4483
|
+
"type": "element",
|
|
4484
|
+
"name": "Paragraphe",
|
|
4485
|
+
"children": [
|
|
4486
|
+
{
|
|
4487
|
+
"type": "element",
|
|
4488
|
+
"name": "Valeur",
|
|
4489
|
+
"children": [
|
|
4490
|
+
{
|
|
4491
|
+
"type": "text",
|
|
4492
|
+
"text": "5 000 €"
|
|
4493
|
+
}
|
|
4494
|
+
]
|
|
4495
|
+
},
|
|
4496
|
+
{
|
|
4497
|
+
"type": "text",
|
|
4498
|
+
"text": " minimum"
|
|
4499
|
+
}
|
|
4500
|
+
]
|
|
3784
4501
|
}
|
|
3785
4502
|
]
|
|
3786
4503
|
},
|
|
3787
|
-
{
|
|
3788
|
-
"type": "text",
|
|
3789
|
-
"text": " ou "
|
|
3790
|
-
},
|
|
3791
4504
|
{
|
|
3792
4505
|
"type": "element",
|
|
3793
|
-
"name": "
|
|
3794
|
-
"attributes": {
|
|
3795
|
-
"LienPublication": "F789",
|
|
3796
|
-
"type": "Fiche Question-réponse conditionnée",
|
|
3797
|
-
"audience": "Particuliers"
|
|
3798
|
-
},
|
|
4506
|
+
"name": "Item",
|
|
3799
4507
|
"children": [
|
|
3800
4508
|
{
|
|
3801
|
-
"type": "
|
|
3802
|
-
"
|
|
4509
|
+
"type": "element",
|
|
4510
|
+
"name": "Paragraphe",
|
|
4511
|
+
"children": [
|
|
4512
|
+
{
|
|
4513
|
+
"type": "element",
|
|
4514
|
+
"name": "Valeur",
|
|
4515
|
+
"children": [
|
|
4516
|
+
{
|
|
4517
|
+
"type": "text",
|
|
4518
|
+
"text": "92 000 €"
|
|
4519
|
+
}
|
|
4520
|
+
]
|
|
4521
|
+
},
|
|
4522
|
+
{
|
|
4523
|
+
"type": "text",
|
|
4524
|
+
"text": " maximum"
|
|
4525
|
+
}
|
|
4526
|
+
]
|
|
3803
4527
|
}
|
|
3804
4528
|
]
|
|
3805
|
-
}
|
|
4529
|
+
}
|
|
4530
|
+
]
|
|
4531
|
+
}
|
|
4532
|
+
]
|
|
4533
|
+
}
|
|
4534
|
+
]
|
|
4535
|
+
},
|
|
4536
|
+
{
|
|
4537
|
+
"type": "element",
|
|
4538
|
+
"name": "Rangée",
|
|
4539
|
+
"attributes": {
|
|
4540
|
+
"type": "normal"
|
|
4541
|
+
},
|
|
4542
|
+
"children": [
|
|
4543
|
+
{
|
|
4544
|
+
"type": "element",
|
|
4545
|
+
"name": "Cellule",
|
|
4546
|
+
"children": [
|
|
4547
|
+
{
|
|
4548
|
+
"type": "element",
|
|
4549
|
+
"name": "Paragraphe",
|
|
4550
|
+
"children": [
|
|
3806
4551
|
{
|
|
3807
4552
|
"type": "text",
|
|
3808
|
-
"text": "
|
|
3809
|
-
},
|
|
3810
|
-
{
|
|
3811
|
-
"type": "element",
|
|
3812
|
-
"name": "LienInterne",
|
|
3813
|
-
"attributes": {
|
|
3814
|
-
"LienPublication": "F786",
|
|
3815
|
-
"type": "Fiche Question-réponse conditionnée",
|
|
3816
|
-
"audience": "Particuliers"
|
|
3817
|
-
},
|
|
3818
|
-
"children": [
|
|
3819
|
-
{
|
|
3820
|
-
"type": "text",
|
|
3821
|
-
"text": "hypothèque légale sociale du prêteur de deniers"
|
|
3822
|
-
}
|
|
3823
|
-
]
|
|
4553
|
+
"text": "Durée du prêt épargne logement"
|
|
3824
4554
|
}
|
|
3825
4555
|
]
|
|
3826
4556
|
}
|
|
@@ -3828,24 +4558,44 @@
|
|
|
3828
4558
|
},
|
|
3829
4559
|
{
|
|
3830
4560
|
"type": "element",
|
|
3831
|
-
"name": "
|
|
4561
|
+
"name": "Cellule",
|
|
3832
4562
|
"children": [
|
|
3833
4563
|
{
|
|
3834
4564
|
"type": "element",
|
|
3835
|
-
"name": "
|
|
4565
|
+
"name": "Liste",
|
|
4566
|
+
"attributes": {
|
|
4567
|
+
"type": "puce"
|
|
4568
|
+
},
|
|
3836
4569
|
"children": [
|
|
3837
4570
|
{
|
|
3838
4571
|
"type": "element",
|
|
3839
|
-
"name": "
|
|
3840
|
-
"attributes": {
|
|
3841
|
-
"LienPublication": "F1671",
|
|
3842
|
-
"type": "Fiche Question-réponse conditionnée",
|
|
3843
|
-
"audience": "Particuliers"
|
|
3844
|
-
},
|
|
4572
|
+
"name": "Item",
|
|
3845
4573
|
"children": [
|
|
3846
4574
|
{
|
|
3847
|
-
"type": "
|
|
3848
|
-
"
|
|
4575
|
+
"type": "element",
|
|
4576
|
+
"name": "Paragraphe",
|
|
4577
|
+
"children": [
|
|
4578
|
+
{
|
|
4579
|
+
"type": "text",
|
|
4580
|
+
"text": "2 ans minimum"
|
|
4581
|
+
}
|
|
4582
|
+
]
|
|
4583
|
+
}
|
|
4584
|
+
]
|
|
4585
|
+
},
|
|
4586
|
+
{
|
|
4587
|
+
"type": "element",
|
|
4588
|
+
"name": "Item",
|
|
4589
|
+
"children": [
|
|
4590
|
+
{
|
|
4591
|
+
"type": "element",
|
|
4592
|
+
"name": "Paragraphe",
|
|
4593
|
+
"children": [
|
|
4594
|
+
{
|
|
4595
|
+
"type": "text",
|
|
4596
|
+
"text": "15 ans maximum"
|
|
4597
|
+
}
|
|
4598
|
+
]
|
|
3849
4599
|
}
|
|
3850
4600
|
]
|
|
3851
4601
|
}
|
|
@@ -3857,119 +4607,46 @@
|
|
|
3857
4607
|
},
|
|
3858
4608
|
{
|
|
3859
4609
|
"type": "element",
|
|
3860
|
-
"name": "
|
|
3861
|
-
"
|
|
3862
|
-
|
|
3863
|
-
|
|
3864
|
-
"text": "Mais la banque ne peut pas vous imposer de domicilier vos revenus dans son établissement."
|
|
3865
|
-
}
|
|
3866
|
-
]
|
|
3867
|
-
}
|
|
3868
|
-
]
|
|
3869
|
-
}
|
|
3870
|
-
]
|
|
3871
|
-
},
|
|
3872
|
-
{
|
|
3873
|
-
"type": "element",
|
|
3874
|
-
"name": "Chapitre",
|
|
3875
|
-
"attributes": {
|
|
3876
|
-
"ID": "T16847"
|
|
3877
|
-
},
|
|
3878
|
-
"children": [
|
|
3879
|
-
{
|
|
3880
|
-
"type": "element",
|
|
3881
|
-
"name": "Titre",
|
|
3882
|
-
"children": [
|
|
3883
|
-
{
|
|
3884
|
-
"type": "element",
|
|
3885
|
-
"name": "Paragraphe",
|
|
3886
|
-
"children": [
|
|
3887
|
-
{
|
|
3888
|
-
"type": "text",
|
|
3889
|
-
"text": "Comment est calculé le montant du prêt épargne logement ?"
|
|
3890
|
-
}
|
|
3891
|
-
]
|
|
3892
|
-
}
|
|
3893
|
-
]
|
|
3894
|
-
},
|
|
3895
|
-
{
|
|
3896
|
-
"type": "element",
|
|
3897
|
-
"name": "Paragraphe",
|
|
3898
|
-
"children": [
|
|
3899
|
-
{
|
|
3900
|
-
"type": "text",
|
|
3901
|
-
"text": "Le montant du prêt épargne logement dont vous pouvez bénéficier est calculé "
|
|
3902
|
-
},
|
|
3903
|
-
{
|
|
3904
|
-
"type": "element",
|
|
3905
|
-
"name": "MiseEnEvidence",
|
|
3906
|
-
"children": [
|
|
3907
|
-
{
|
|
3908
|
-
"type": "text",
|
|
3909
|
-
"text": "en 2 temps"
|
|
3910
|
-
}
|
|
3911
|
-
]
|
|
3912
|
-
},
|
|
3913
|
-
{
|
|
3914
|
-
"type": "text",
|
|
3915
|
-
"text": "."
|
|
3916
|
-
}
|
|
3917
|
-
]
|
|
3918
|
-
},
|
|
3919
|
-
{
|
|
3920
|
-
"type": "element",
|
|
3921
|
-
"name": "Paragraphe",
|
|
3922
|
-
"children": [
|
|
3923
|
-
{
|
|
3924
|
-
"type": "text",
|
|
3925
|
-
"text": "Le calcul se fait à partir des éléments suivants :"
|
|
3926
|
-
}
|
|
3927
|
-
]
|
|
3928
|
-
},
|
|
3929
|
-
{
|
|
3930
|
-
"type": "element",
|
|
3931
|
-
"name": "Liste",
|
|
3932
|
-
"attributes": {
|
|
3933
|
-
"type": "puce"
|
|
3934
|
-
},
|
|
3935
|
-
"children": [
|
|
3936
|
-
{
|
|
3937
|
-
"type": "element",
|
|
3938
|
-
"name": "Item",
|
|
4610
|
+
"name": "Rangée",
|
|
4611
|
+
"attributes": {
|
|
4612
|
+
"type": "normal"
|
|
4613
|
+
},
|
|
3939
4614
|
"children": [
|
|
3940
4615
|
{
|
|
3941
4616
|
"type": "element",
|
|
3942
|
-
"name": "
|
|
4617
|
+
"name": "Cellule",
|
|
3943
4618
|
"children": [
|
|
3944
4619
|
{
|
|
3945
4620
|
"type": "element",
|
|
3946
|
-
"name": "
|
|
4621
|
+
"name": "Paragraphe",
|
|
3947
4622
|
"children": [
|
|
3948
4623
|
{
|
|
3949
|
-
"type": "
|
|
3950
|
-
"
|
|
4624
|
+
"type": "element",
|
|
4625
|
+
"name": "Expression",
|
|
4626
|
+
"children": [
|
|
4627
|
+
{
|
|
4628
|
+
"type": "text",
|
|
4629
|
+
"text": "Droits à prêt"
|
|
4630
|
+
}
|
|
4631
|
+
]
|
|
3951
4632
|
}
|
|
3952
4633
|
]
|
|
3953
|
-
},
|
|
3954
|
-
{
|
|
3955
|
-
"type": "text",
|
|
3956
|
-
"text": " (total des intérêts accumulés sur PEL moins la prime d'État, si elle a été ajoutée aux intérêts)"
|
|
3957
4634
|
}
|
|
3958
4635
|
]
|
|
3959
|
-
}
|
|
3960
|
-
]
|
|
3961
|
-
},
|
|
3962
|
-
{
|
|
3963
|
-
"type": "element",
|
|
3964
|
-
"name": "Item",
|
|
3965
|
-
"children": [
|
|
4636
|
+
},
|
|
3966
4637
|
{
|
|
3967
4638
|
"type": "element",
|
|
3968
|
-
"name": "
|
|
4639
|
+
"name": "Cellule",
|
|
3969
4640
|
"children": [
|
|
3970
4641
|
{
|
|
3971
|
-
"type": "
|
|
3972
|
-
"
|
|
4642
|
+
"type": "element",
|
|
4643
|
+
"name": "Paragraphe",
|
|
4644
|
+
"children": [
|
|
4645
|
+
{
|
|
4646
|
+
"type": "text",
|
|
4647
|
+
"text": "Total des intérêts accumulés sur le PEL (déduction faite de la prime d'État, si elle a été ajoutée aux intérêts)"
|
|
4648
|
+
}
|
|
4649
|
+
]
|
|
3973
4650
|
}
|
|
3974
4651
|
]
|
|
3975
4652
|
}
|
|
@@ -3977,55 +4654,44 @@
|
|
|
3977
4654
|
},
|
|
3978
4655
|
{
|
|
3979
4656
|
"type": "element",
|
|
3980
|
-
"name": "
|
|
4657
|
+
"name": "Rangée",
|
|
4658
|
+
"attributes": {
|
|
4659
|
+
"type": "normal"
|
|
4660
|
+
},
|
|
3981
4661
|
"children": [
|
|
3982
4662
|
{
|
|
3983
4663
|
"type": "element",
|
|
3984
|
-
"name": "
|
|
4664
|
+
"name": "Cellule",
|
|
3985
4665
|
"children": [
|
|
3986
4666
|
{
|
|
3987
|
-
"type": "
|
|
3988
|
-
"
|
|
4667
|
+
"type": "element",
|
|
4668
|
+
"name": "Paragraphe",
|
|
4669
|
+
"children": [
|
|
4670
|
+
{
|
|
4671
|
+
"type": "text",
|
|
4672
|
+
"text": "Taux du prêt épargne logement"
|
|
4673
|
+
}
|
|
4674
|
+
]
|
|
3989
4675
|
}
|
|
3990
4676
|
]
|
|
3991
|
-
}
|
|
3992
|
-
]
|
|
3993
|
-
},
|
|
3994
|
-
{
|
|
3995
|
-
"type": "element",
|
|
3996
|
-
"name": "Item",
|
|
3997
|
-
"children": [
|
|
4677
|
+
},
|
|
3998
4678
|
{
|
|
3999
4679
|
"type": "element",
|
|
4000
|
-
"name": "
|
|
4680
|
+
"name": "Cellule",
|
|
4001
4681
|
"children": [
|
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{
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"type": "
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"
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"type": "element",
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"name": "Paragraphe",
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"children": [
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{
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"children": [
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{
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"type": "text",
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"text": "Tout d'abord"
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"name": "Paragraphe",
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"children": [
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|
+
{
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|
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"type": "text",
|
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"text": "Il varie selon la date d'ouverture du PEL"
|
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|
+
}
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|
+
]
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}
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{
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"type": "text",
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"text": ", la banque calcule le montant total des intérêts que vous aurez à payer pour rembourser le prêt prêt épargne logement."
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{
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{
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{
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"type": "text",
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"text": "par un coefficient de 2,5 (1,5 si vous achetez des parts de "
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"text": "Le calcul se fait "
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"attributes": {
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"type": "Définition de glossaire"
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"name": "MiseEnEvidence",
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"text": "en 2 temps"
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"text": " :"
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{
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{
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"type": "text",
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|
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"text": "À savoir"
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}
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},
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{
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|
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|
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|
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"text": "
|
|
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|
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"text": "1. Calcul du montant total des intérêts du prêt à rembourser"
|
|
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|
}
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|
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|
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@@ -4101,19 +4739,9 @@
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"type": "element",
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{
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{
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"type": "text",
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|
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"text": "Ensuite"
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|
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}
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|
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|
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"text": "
|
|
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|
+
"text": "La banque calcule le montant total des intérêts que vous aurez à payer pour rembourser le prêt prêt épargne logement."
|
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|
}
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@@ -4123,71 +4751,73 @@
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"children": [
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{
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}
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},
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{
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|
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"name": "Paragraphe",
|
|
4133
|
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"children": [
|
|
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|
+
"text": "Ce montant s'obtient en multipliant vos "
|
|
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|
+
},
|
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4134
4756
|
{
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|
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"type": "
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"
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"type": "element",
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"name": "Expression",
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|
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"children": [
|
|
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|
+
{
|
|
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|
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"type": "text",
|
|
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|
+
"text": "droits à prêt "
|
|
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|
+
}
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|
+
]
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|
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},
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{
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}
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|
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|
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|
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"text": "par un coefficient fixé à "
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|
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|
+
},
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|
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{
|
|
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|
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"type": "element",
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|
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"name": "MiseEnEvidence",
|
|
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|
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"children": [
|
|
4774
|
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{
|
|
4775
|
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"type": "text",
|
|
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|
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"text": "2,5"
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|
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|
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}
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|
+
]
|
|
4779
|
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},
|
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{
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|
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|
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|
|
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|
+
"text": " (ou de "
|
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|
},
|
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|
{
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|
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|
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|
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{
|
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|
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|
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|
|
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|
+
"text": "1,5"
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|
}
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|
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|
|
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{
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4795
|
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|
|
4170
|
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"text": "
|
|
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|
+
"text": " si vous achetez des parts de "
|
|
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4797
|
},
|
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4798
|
{
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|
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|
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|
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"name": "LienIntra",
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|
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"attributes": {
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|
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|
+
"LienID": "R67135",
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|
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|
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"type": "Définition de glossaire"
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|
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},
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|
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|
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|
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|
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|
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"text": "SCPI"
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|
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|
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|
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|
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"text": ")."
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|
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|
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|
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"name": "Exemple",
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|
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|
{
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|
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|
|
@@ -4195,7 +4825,7 @@
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|
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|
"children": [
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|
{
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4827
|
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|
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"text": "
|
|
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|
+
"text": "Exemple"
|
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|
}
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|
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|
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|
},
|
|
@@ -4205,45 +4835,21 @@
|
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|
"children": [
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|
{
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|
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|
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"text": "
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|
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|
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},
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|
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|
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{
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|
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|
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"type": "element",
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|
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|
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"name": "LienInterne",
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|
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|
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"attributes": {
|
|
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|
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"LienPublication": "F16136",
|
|
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|
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"type": "Fiche d'information conditionnée",
|
|
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|
-
"audience": "Particuliers"
|
|
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|
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},
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|
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|
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"children": [
|
|
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|
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{
|
|
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|
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"type": "text",
|
|
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|
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"text": "CEL"
|
|
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|
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}
|
|
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|
-
]
|
|
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|
-
},
|
|
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|
-
{
|
|
4226
|
-
"type": "text",
|
|
4227
|
-
"text": " ouverts dans la même banque, vous pouvez obtenir auprès de cette banque un prêt à partir de votre PEL et un "
|
|
4838
|
+
"text": "Pour des droits à prêts de "
|
|
4228
4839
|
},
|
|
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|
{
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|
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|
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|
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|
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|
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"attributes": {
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|
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|
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"LienPublication": "F16139",
|
|
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|
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"type": "Fiche d'information conditionnée",
|
|
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|
-
"audience": "Particuliers"
|
|
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|
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},
|
|
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|
+
"name": "Valeur",
|
|
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|
"children": [
|
|
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|
{
|
|
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|
"type": "text",
|
|
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|
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"text": "
|
|
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|
+
"text": "500 €"
|
|
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|
}
|
|
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|
]
|
|
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|
},
|
|
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|
{
|
|
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|
"type": "text",
|
|
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|
-
"text": "
|
|
4852
|
+
"text": " et un taux d'emprunt de "
|
|
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4853
|
},
|
|
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|
{
|
|
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|
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|
|
@@ -4251,7 +4857,7 @@
|
|
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|
"children": [
|
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|
{
|
|
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4859
|
"type": "text",
|
|
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|
-
"text": "
|
|
4860
|
+
"text": "3,2 %"
|
|
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|
}
|
|
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|
]
|
|
4257
4863
|
},
|
|
@@ -4260,22 +4866,6 @@
|
|
|
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|
"text": "."
|
|
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|
}
|
|
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|
]
|
|
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|
-
}
|
|
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|
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]
|
|
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|
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},
|
|
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|
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{
|
|
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|
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"type": "element",
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|
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|
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"name": "Exemple",
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|
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|
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"children": [
|
|
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|
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{
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|
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|
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"type": "element",
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|
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|
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"name": "Titre",
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|
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|
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"children": [
|
|
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|
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{
|
|
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|
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"type": "text",
|
|
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|
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"text": "Exemple"
|
|
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|
-
}
|
|
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|
-
]
|
|
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|
},
|
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|
{
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|
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|
|
@@ -4283,7 +4873,7 @@
|
|
|
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|
"children": [
|
|
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|
{
|
|
4285
4875
|
"type": "text",
|
|
4286
|
-
"text": "
|
|
4876
|
+
"text": "Le total d'intérêts à payer pour le prêt épargne logement est de "
|
|
4287
4877
|
},
|
|
4288
4878
|
{
|
|
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4879
|
"type": "element",
|
|
@@ -4294,30 +4884,24 @@
|
|
|
4294
4884
|
"text": "500 €"
|
|
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4885
|
}
|
|
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|
]
|
|
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|
-
}
|
|
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|
-
]
|
|
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|
-
},
|
|
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|
-
{
|
|
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|
-
"type": "element",
|
|
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|
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"name": "Paragraphe",
|
|
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|
-
"children": [
|
|
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|
+
},
|
|
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|
{
|
|
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4889
|
"type": "text",
|
|
4306
|
-
"text": "
|
|
4890
|
+
"text": " x"
|
|
4307
4891
|
},
|
|
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4892
|
{
|
|
4309
4893
|
"type": "element",
|
|
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|
-
"name": "
|
|
4894
|
+
"name": "MiseEnEvidence",
|
|
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4895
|
"children": [
|
|
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4896
|
{
|
|
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4897
|
"type": "text",
|
|
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|
-
"text": "
|
|
4898
|
+
"text": " 2,5"
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{
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|
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"text": " = "
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|
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{
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|
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{
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{
|
|
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"type": "text",
|
|
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|
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"text": "À savoir"
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|
4340
|
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|
|
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|
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"text": "Vous pouvez demander à la banque un relevé qui fait apparaître vos "
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|
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|
|
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|
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"text": "droits à prêt"
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|
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|
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|
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|
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|
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|
|
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|
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|
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|
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|
|
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|
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|
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|
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|
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|
|
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|
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|
4368
|
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|
|
4970
|
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"text": "2. Calcul du montant du prêt"
|
|
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|
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|
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4972
|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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{
|
|
4981
|
+
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|
|
4982
|
+
"text": "La banque calcule les montants de prêt dont le remboursement, simulé sur la base du taux légal du prêt épargne logement, correspondent à votre total d'intérêts à payer."
|
|
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|
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|
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|
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|
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|
|
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|
+
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|
|
4990
|
+
{
|
|
4991
|
+
"type": "text",
|
|
4992
|
+
"text": "Cette opération permet d'identifier plusieurs montants qui varient selon la durée de remboursement du prêt épargne logement."
|
|
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|
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}
|
|
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|
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|
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|
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|
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|
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{
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|
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|
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|
|
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|
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|
|
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|
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|
|
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|
+
{
|
|
5001
|
+
"type": "text",
|
|
5002
|
+
"text": "Plus la durée de remboursement est courte, plus le montant de prêt est élevé. Plus la durée de remboursement est longue, plus le montant de prêt est faible."
|
|
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|
+
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|
|
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|
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|
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|
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|
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|
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{
|
|
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|
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|
|
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|
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|
|
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|
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|
|
5010
|
+
{
|
|
5011
|
+
"type": "text",
|
|
5012
|
+
"text": "Les banques ont en général de calculateurs automatiques qui permettent de générer un tableau avec des montants de prêts et les durées de remboursement correspondantes."
|
|
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|
+
}
|
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|
+
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|
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},
|
|
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|
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{
|
|
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|
+
"type": "element",
|
|
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|
+
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|
|
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|
+
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|
|
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|
+
{
|
|
5021
|
+
"type": "text",
|
|
5022
|
+
"text": "Vous choisissez en accord avec la banque le montant et la durée de prêt correspondante qui vous conviennent le mieux."
|
|
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|
+
}
|
|
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|
+
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|
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|
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|
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5026
|
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|
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|
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|