{"id":3835,"date":"2011-11-07T16:12:37","date_gmt":"2011-11-07T15:12:37","guid":{"rendered":"https:\/\/mon-taux-de-change.com\/?p=3835"},"modified":"2011-11-07T16:12:37","modified_gmt":"2011-11-07T15:12:37","slug":"pret-a-taux-zero-recentre-scellier-supprime","status":"publish","type":"post","link":"https:\/\/mon-taux.com\/blog\/2011\/11\/07\/pret-a-taux-zero-recentre-scellier-supprime\/","title":{"rendered":"07\/11\/11 &#8211; Pr\u00eat \u00e0 taux z\u00e9ro recentr\u00e9, scellier supprim\u00e9 et pr\u00e9l\u00e8vement lib\u00e9ratoire augment\u00e9"},"content":{"rendered":"<p style=\"text-align: justify\">\u00a0<\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: small\">Telles sont les principales mesures du plan d\u2019aust\u00e9rit\u00e9, pr\u00e9sent\u00e9 ce jour par Francois Fillon, qui impacteront le patrimoine. Sur un plan pr\u00e9voyant 18,3 milliards d\u2019\u00e9conomies pour 2012 et 2013, avec des d\u00e9cisions fortes comme l\u2019augmentation de la TVA de 5,5% \u00e0 7%, ainsi que l\u2019avancement de la retraite \u00e0 62 ans d\u00e8s 2017, nous mettrons le focus sur 3 mesures qui concernent la gestion du patrimoine\u00a0:<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: small\">&#8211;\u00a0 \u00e0 compter de 2012, <strong>le pr\u00eat \u00e0 taux z\u00e9ro (ptz+) ne devrait plus concerner que les projets immobiliers dans le neuf<\/strong>. Rappelons que le PTZ+ est ouvert \u00e0 tous depuis le d\u00e9but de l\u2019ann\u00e9e 2011, et sans conditions de ressources. Les suisses qui d\u00e9cident d\u2019installer leur r\u00e9sidence principale en France pourront toujours pr\u00e9tendre \u00e0 ce type d\u2019aide pour le financement de leur futur logement. L\u2019\u00e9co PTZ sera r\u00e9duit de 20%.<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: small\">&#8211; <strong>la loi scellier sera supprim\u00e9e \u00e0 la fin de l\u2019ann\u00e9e 2012<\/strong>. Ses avantages seront r\u00e9duits pour sa derni\u00e8re ann\u00e9e. Nous sommes encore dans les derniers jours pour faire un investissement avec les conditions de 2011.<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: small\">&#8211; le Pr\u00e9l\u00e8vement Forfaitaire Lib\u00e9ratoire (PFL) sera port\u00e9 de 19% \u00e0 24%. Si on lui ajoute la CSG aujourd\u2019hui \u00e0 13,5%, c\u2019est \u00e0 37,5% que seront tax\u00e9s les int\u00e9r\u00eats sur livrets bancaires, les dividendes, assurance \u2013vie.\u00a0 Rappelons que l\u2019option\u00a0 PFL reste une alternative qui permet d\u2019\u00e9viter de reporter les revenus de ces placements dans votre d\u00e9claration fiscale. Concr\u00e8tement cela signifie qu\u2019un compte sur livret qui rapporte 5% brut, vous donnera 3,125% net, contre 3,375% pr\u00e9c\u00e9demment. Pour\u00a0 prendre la bonne option du pr\u00e9l\u00e8vement, il faut tenir compte du revenu global, mais surtout de la TMI (Tranche Marginale d\u2019Imposition).<\/span><\/p>\n<p style=\"text-align: justify\">\u00a0<\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: small\">Nous suivrons dans les prochains semaines la mise en \u0153uvre de ces mesures. Nos conseillers sont \u00e0 votre disposition pour un conseil personnalis\u00e9.<\/span><\/p>\n<p style=\"text-align: justify\">\u00a0<\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: small\">De son cot\u00e9, et par solidarit\u00e9 avec la nation, le gouvernent et le chef de l\u2019\u00e9tat fran\u00e7ais ont accept\u00e9 de geler leur r\u00e9mun\u00e9ration\u2026..c\u2019est d\u00e9j\u00e0 pas si mal\u00a0?<\/span><\/p>\n<p style=\"text-align: justify\">\u00a0<\/p>\n<p style=\"text-align: justify\">\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0 Telles sont les principales mesures du plan d\u2019aust\u00e9rit\u00e9, pr\u00e9sent\u00e9 ce jour par Francois Fillon, qui impacteront le patrimoine. Sur un plan pr\u00e9voyant 18,3 milliards d\u2019\u00e9conomies pour 2012 et 2013, avec des d\u00e9cisions fortes comme l\u2019augmentation de la TVA de 5,5% \u00e0 7%, ainsi que l\u2019avancement de la retraite \u00e0 62 ans d\u00e8s 2017, nous [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11,5],"tags":[],"class_list":{"0":"post-3835","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-argent-patrimoine","7":"category-immobilier-actualites","8":"czr-hentry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>07\/11\/11 - Pr\u00eat \u00e0 taux z\u00e9ro recentr\u00e9, scellier supprim\u00e9 et pr\u00e9l\u00e8vement lib\u00e9ratoire augment\u00e9 - Mon-taux.com - Blog des experts en frontaliers<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mon-taux.com\/blog\/2011\/11\/07\/pret-a-taux-zero-recentre-scellier-supprime\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"07\/11\/11 - Pr\u00eat \u00e0 taux z\u00e9ro recentr\u00e9, scellier supprim\u00e9 et pr\u00e9l\u00e8vement lib\u00e9ratoire augment\u00e9 - Mon-taux.com - Blog des experts en frontaliers\" \/>\n<meta property=\"og:description\" content=\"\u00a0 Telles sont les principales mesures du plan d\u2019aust\u00e9rit\u00e9, pr\u00e9sent\u00e9 ce jour par Francois Fillon, qui impacteront le patrimoine. 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