{"id":181802,"date":"2022-04-30T00:22:11","date_gmt":"2022-04-29T22:22:11","guid":{"rendered":"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/caisse-depots"},"modified":"2022-04-30T00:22:11","modified_gmt":"2022-04-29T22:22:11","slug":"caisse-depots","status":"publish","type":"page","link":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/pret-immobilier\/caisse-depots","title":{"rendered":"Pr\u00eat Caisse des d\u00e9p\u00f4ts"},"content":{"rendered":"\n<h1 class=\"wp-block-heading\" id=\"le-pret-immobilier-nom-acteur\">Le pr\u00eat Caisse des d\u00e9p\u00f4ts<\/h1>\n\n\n\n<p><strong>Vous \u00eates sur le point de b\u00e9n\u00e9ficier d&rsquo;un pr\u00eat par votre entreprise Caisse des d\u00e9p\u00f4ts ? Retrouvez tous les d\u00e9tails du pr\u00eat propos\u00e9 par Caisse des d\u00e9p\u00f4ts, le taux, les conditions de remboursement et les documents \u00e0 r\u00e9unir. Retrouvez l&rsquo;avis de nos experts sur l&rsquo;offre de pr\u00eat Caisse des d\u00e9p\u00f4ts.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"comment-faire-une-simulation-de-pret-immobilier-nom-acteur\">Quelles sont les conditions du pr\u00eat salari\u00e9 Caisse des d\u00e9p\u00f4ts ? <\/h2>\n\n\n\n<p><strong>Il peut arriver qu&rsquo;un impr\u00e9vu vienne compromettre votre budget. <\/strong>Dans ce cas, en tant que salari\u00e9 de Caisse des d\u00e9p\u00f4ts, vous pouvez solliciter une avance sur salaire mais aussi un emprunt. En effet, Caisse des d\u00e9p\u00f4ts propose cet avantage \u00e0 ses salari\u00e9s, offrant ainsi une solution pour surmonter les coups durs financiers.  <\/p>\n\n\n\n<p><strong>Voici les taux moyens de pr\u00eat pratiqu\u00e9s par Caisse des d\u00e9p\u00f4ts en 2026 :<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-header-double\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><strong>Dur\u00e9e du pr\u00eat<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Cr\u00e9dit Caisse des d\u00e9p\u00f4ts<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Taux actuel<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 % <\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Frais de dossier<\/td><td class=\"has-text-align-center\" data-align=\"center\">0\u20ac<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Dur\u00e9e du pr\u00eat<\/td><td class=\"has-text-align-center\" data-align=\"center\">Pas de limite<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Modalit\u00e9s de remboursement<\/td><td class=\"has-text-align-center\" data-align=\"center\">Les mensualit\u00e9s de remboursement ne pourront pas d\u00e9passer 1\/10e du salaire net de l'employ\u00e9. Le remboursement doit \u00eatre fait par ch\u00e8que ou virement(s) <\/td><\/tr><\/tbody><\/table><figcaption>Taux pour un pr\u00eat immobilier Caisse des d\u00e9p\u00f4ts<\/figcaption><\/figure>\n\n\n\n<p><strong>Pour conna\u00eetre les modalit\u00e9s pr\u00e9cises de pr\u00eat Caisse des d\u00e9p\u00f4ts, nous vous conseillons de vous tourner vers le Comit\u00e9 d&rsquo;entreprise ou vers le p\u00f4le des relations humaines.<\/strong> Ils pourront vous renseigner en d\u00e9tail sur les modalit\u00e9s de pr\u00eat Caisse des d\u00e9p\u00f4ts.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quel est le cadre l\u00e9gal du pr\u00eat salari\u00e9 Caisse des d\u00e9p\u00f4ts ?<\/h2>\n\n\n\n<p><strong>Le pr\u00eat Caisse des d\u00e9p\u00f4ts est r\u00e9gi par certaines r\u00e8gles qu&rsquo;il est important de conna\u00eetre avant de s&rsquo;engager.<\/strong> En effet, en tant qu&rsquo;\u00e9tablissement non-financier, Caisse des d\u00e9p\u00f4ts a un certain cadre l\u00e9gal \u00e0 respecter pour offrir \u00e0 ses salari\u00e9s cet avantage financier : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>le pr\u00eat Caisse des d\u00e9p\u00f4ts est exon\u00e9r\u00e9 de cotisations sociales ;<\/li><li>le montant et le taux d'emprunt sont libres mais doivent veiller \u00e0 ne pas d\u00e9passer le <a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/contourner-taux-usure\">taux d&rsquo;usure<\/a> ;<\/li><li><span style=\"color: initial; font-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, Oxygen-Sans, Ubuntu, Cantarell, \"Helvetica Neue\", sans-serif;\">au del\u00e0 de 760 \u20ac, le pr\u00eat devra \u00eatre d\u00e9clar\u00e9 au fisc <\/span>;<\/li><li>les conditions doivent \u00eatre circonstanci\u00e9es et faire l&rsquo;objet d&rsquo;un contrat ;<\/li><li>si Caisse des d\u00e9p\u00f4ts exige des int\u00e9r\u00eats, le pr\u00eat doit avoir \u00e9t\u00e9 propos\u00e9 dans une situation exceptionnelle et qui relevait d&rsquo;un caract\u00e8re indispensable pour le salari\u00e9 : (<a rel=\"noreferrer noopener\" href=\"https:\/\/www.legifrance.gouv.fr\/codes\/article_lc\/LEGIARTI000044563826#:~:text=L'Autorit%C3%A9%20de%20contr%C3%B4le%20prudentiel,de%20ce%20d%C3%A9lai%20vaut%20acceptation.\" target=\"_blank\">art.&nbsp;L.&nbsp;511-6, al.&nbsp;2, 3\u00b0 Code mon\u00e9taire et financier<\/a>).<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Comment rembourser son pr\u00eat salari\u00e9 Caisse des d\u00e9p\u00f4ts ?<\/h2>\n\n\n\n<p><strong>En tant qu&rsquo;\u00e9tablissement non-financier, les r\u00e8gles du pr\u00eat financier de Caisse des d\u00e9p\u00f4ts et ses modalit\u00e9s de remboursement diff\u00e8rent d&rsquo;un pr\u00eat immobilier classique.<\/strong> Avant toute chose, il faut savoir qu&rsquo;en aucun cas Caisse des d\u00e9p\u00f4ts pourra proc\u00e9der \u00e0 une retenue de salaire pour proc\u00e9der au remboursement du pr\u00eat.<\/p>\n\n\n\n<p><strong>Le remboursement devra se faire par ch\u00e8que ou virement <\/strong>et respecter les modalit\u00e9s fix\u00e9es au contrat. <\/p>\n\n\n\n<p><strong>En cas de d\u00e9c\u00e8s du salari\u00e9, <\/strong>les modalit\u00e9s de remboursement du pr\u00eat Caisse des d\u00e9p\u00f4ts sont maintenues et le notaire sera avis\u00e9 de cet emprunt qui devra \u00eatre int\u00e9gr\u00e9 \u00e0 la succession.<\/p>\n\n\n\n<p><strong>Vous souhaitez mettre vos proches \u00e0 l&rsquo;abri de cette potentielle charge financi\u00e8re ou vous prot\u00e9gez vous-m\u00eame d&rsquo;un incident qui viendrait compromettre le bon remboursement de votre emprunt ?<\/strong> Gr\u00e2ce \u00e0 l&rsquo;assurance de pr\u00eat, vous \u00eates couvert en cas d\u2019arr\u00eat de travail, d\u2019invalidit\u00e9, de d\u00e9c\u00e8s ou d\u2019un autre incident compromettant le remboursement de votre emprunt. C&rsquo;est un gage de s\u00e9curit\u00e9 non n\u00e9gligeable !<\/p>\n\n\n\n<div class=\"wp-block-rm-advertizing-block fix-in-sidebar advertising-block-sidebar-item\">\n    <div class=\"image-container flex justify-center align-items-center\">\n        <img decoding=\"async\" src=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2025\/06\/team_opti_short.png\"\n             alt=\"reassurez-moi illustration\"\n             class=\"wp-block-rm-advertizing-image\"\n             loading=\"lazy\"\n        \/>\n    <\/div>\n    <div class=\"rm-advertblock-container flex flex-column justify-center align-items-start\">\n        <p class=\"wp-block-rm-advertizing-text\">\n            Jusqu&rsquo;\u00e0 18 000 \u20ac d&rsquo;\u00e9conomies \n        <\/p>\n        <p class=\"wp-block-rm-advertizing-sub-text\">\n            gr\u00e2ce au changement d&rsquo;assurance de pr\u00eat\n        <\/p>\n        <a\n            href=\"https:\/\/reassurez-moi.fr\/simulation-assurance-pret-immobilier\"\n            class=\"wp-block-rm-advertizing-button\"\n        >\n            <span class=\"wp-block-rm-advertizing-button-text\">\n                Changer\n            <\/span>\n            <span class=\"wp-block-rm-advertizing-button-sub-text\">\n               d&rsquo;assurances emprunteur\n            <\/span>\n        <\/a>\n    <\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"comment-contacter-nom-acteur-pour-un-pret-immobilier\">Comment contracter un pr\u00eat salari\u00e9 Caisse des d\u00e9p\u00f4ts ? <\/h2>\n\n\n\n<p><strong>Pour b\u00e9n\u00e9ficier d&rsquo;un pr\u00eat salari\u00e9 Caisse des d\u00e9p\u00f4ts,<\/strong> il vous faudra prendre contact avec le CSE de votre entreprise. G\u00e9n\u00e9ralement, vous devrez justifier d&rsquo;une situation et de circonstances exceptionnelles. Tout pr\u00eat d&rsquo;un montant sup\u00e9rieur \u00e0 1 500 \u20ac devra obligatoirement faire l&rsquo;objet d&rsquo;un contrat \u00e9crit.<\/p>\n\n\n\n<p><strong>Attention<\/strong>, Caisse des d\u00e9p\u00f4ts n&rsquo;a aucune obligation \u00e0 vous octroyer un pr\u00eat salari\u00e9. Toute demande sera \u00e9tudi\u00e9e par le comit\u00e9 de d\u00e9cision de Caisse des d\u00e9p\u00f4ts. Si le pr\u00eat vous est accord\u00e9, il devra faire suite \u00e0 un contrat d\u00e9taillant toutes les modalit\u00e9s du pr\u00eat (montant, dur\u00e9e, \u00e9ch\u00e9ancier, date de versement, etc). Les fonds ne seront pas d\u00e9bloqu\u00e9s avant la signature des deux parties.  <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le pr\u00eat Caisse des d\u00e9p\u00f4ts Vous \u00eates sur le point de b\u00e9n\u00e9ficier d&rsquo;un pr\u00eat par votre entreprise Caisse des d\u00e9p\u00f4ts ? Retrouvez tous les d\u00e9tails du pr\u00eat propos\u00e9 par Caisse des d\u00e9p\u00f4ts, le taux, les conditions de remboursement et les documents \u00e0 r\u00e9unir. Retrouvez l&rsquo;avis de nos experts sur l&rsquo;offre de pr\u00eat Caisse des d\u00e9p\u00f4ts. [&hellip;]<\/p>\n","protected":false},"author":61,"featured_media":0,"parent":17687,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"page_topic":[554],"class_list":["post-181802","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tout savoir sur le pr\u00eat salari\u00e9 Caisse des d\u00e9p\u00f4ts | Taux &amp; conditions <\/title>\n<meta name=\"description\" content=\"Le pr\u00eat Caisse des d\u00e9p\u00f4ts en d\u00e9tails : taux pratiqu\u00e9s, conditions de pr\u00eat et frais.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/guide-preprod.top-secret-rm.com\/guide\/pret-immobilier\/caisse-depots\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" 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