{"id":25019,"date":"2017-05-03T13:33:49","date_gmt":"2017-05-03T11:33:49","guid":{"rendered":"http:\/\/reassurez-moi.fr\/guide\/?page_id=25019"},"modified":"2026-03-30T16:24:59","modified_gmt":"2026-03-30T14:24:59","slug":"sans-interets","status":"publish","type":"page","link":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/pret-immobilier\/sans-interets","title":{"rendered":"Cr\u00e9dit sans int\u00e9r\u00eats : est-ce encore possible en 2026 ?"},"content":{"rendered":"\n<p>Tout pr\u00eat, qu\u2019il soit immobilier, \u00e0 la consommation ou \u00e9tudiant, implique en principe des frais \u00e0 rembourser en plus du capital emprunt\u00e9.<br><strong>Obtenir un cr\u00e9dit sans int\u00e9r\u00eats reste toutefois possible en 2026<\/strong>, \u00e0 condition de remplir des crit\u00e8res pr\u00e9cis et de s\u2019appuyer sur des dispositifs cibl\u00e9s, le plus souvent aid\u00e9s par l\u2019\u00c9tat ou propos\u00e9s \u00e0 titre commercial.<\/p>\n\n\n\n<p>Il existe en effet plusieurs solutions permettant&nbsp;<strong>d\u2019emprunter \u00e0 taux z\u00e9ro<\/strong>, sous certaines conditions. On vous explique lesquelles.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u2019est ce qu\u2019un cr\u00e9dit sans int\u00e9r\u00eats ?<\/h2>\n\n\n\n<p>Un cr\u00e9dit sans int\u00e9r\u00eats, aussi appel\u00e9&nbsp;<strong>pr\u00eat \u00e0 0 %<\/strong>, est un financement pour lequel&nbsp;<strong>aucun int\u00e9r\u00eat bancaire n\u2019est appliqu\u00e9 sur le capital emprunt\u00e9<\/strong>.<\/p>\n\n\n\n<p>Concr\u00e8tement, l\u2019emprunteur rembourse uniquement :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>le&nbsp;<strong>capital<\/strong>,<\/li>\n\n\n\n<li>et \u00e9ventuellement le&nbsp;<strong>co\u00fbt de l\u2019assurance<\/strong>, lorsqu\u2019elle est obligatoire.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Exemple chiffr\u00e9 (2026)<\/h3>\n\n\n\n<p>Vous empruntez&nbsp;<strong>200 000 \u20ac sur 20 ans<\/strong>&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cr\u00e9dit immobilier classique<\/strong>\n<ul class=\"wp-block-list\">\n<li>TAEG : 3,5 %<\/li>\n\n\n\n<li>Assurance : 0,15 %<\/li>\n\n\n\n<li><strong>Co\u00fbt total<\/strong>&nbsp;\u2248&nbsp;<strong>284 000 \u20ac<\/strong><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Cr\u00e9dit sans int\u00e9r\u00eats (taux 0 %)<\/strong>\n<ul class=\"wp-block-list\">\n<li>Aucun int\u00e9r\u00eat<\/li>\n\n\n\n<li>Assurance seule \u2248&nbsp;<strong>5 900 \u20ac<\/strong><\/li>\n\n\n\n<li><strong>Co\u00fbt total<\/strong>&nbsp;\u2248&nbsp;<strong>205 900 \u20ac<\/strong><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>Le gain porte exclusivement sur les int\u00e9r\u00eats, pas sur l\u2019assurance.<\/p>\n\n\n\n<div class=\"wp-block-mars-information icon-info without-background\"><p>\u2b50\ufe0f Estimez le co\u00fbt total de votre cr\u00e9dit immobilier en deux minutes avec notre<a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/simulation\"> simulateur gratuit<\/a> !<\/p><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Quels cr\u00e9dits peuvent \u00eatre consid\u00e9r\u00e9s comme sans int\u00e9r\u00eats en 2026 ?<\/h2>\n\n\n\n<p>Tous les cr\u00e9dits \u00e0 taux z\u00e9ro sont&nbsp;<strong>encadr\u00e9s<\/strong>&nbsp;et soumis \u00e0 des conditions sp\u00e9cifiques. En 2026, les principaux dispositifs sont les suivants.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Le pr\u00eat \u00e0 taux z\u00e9ro ou PTZ<\/strong><\/h3>\n\n\n\n<p>Le&nbsp;<strong>PTZ<\/strong>&nbsp;est un cr\u00e9dit immobilier sans int\u00e9r\u00eats destin\u00e9 aux&nbsp;<strong>primo-acc\u00e9dants<\/strong>&nbsp;qui ach\u00e8tent leur r\u00e9sidence principale.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Aucun int\u00e9r\u00eat<\/li>\n\n\n\n<li>Aucun frais de dossier<\/li>\n\n\n\n<li>Pr\u00eat compl\u00e9mentaire obligatoire (il ne finance jamais 100 % du projet)<\/li>\n<\/ul>\n\n\n\n<p>En 2026, le PTZ peut financer :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>jusqu\u2019\u00e0&nbsp;<strong>50 % du co\u00fbt du projet<\/strong>&nbsp;en zones&nbsp;<strong>A, A bis et B1<\/strong>&nbsp;(logement neuf),<\/li>\n\n\n\n<li>entre&nbsp;<strong>20 % et 40 %<\/strong>&nbsp;dans certains cas sp\u00e9cifiques de logement ancien avec travaux en zones \u00e9ligibles.<\/li>\n<\/ul>\n\n\n\n<p>L\u2019\u00c9tat prend en charge les int\u00e9r\u00eats via un m\u00e9canisme de compensation fiscale aupr\u00e8s des banques.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-rm-button-blue\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/pret-taux-zero\">D\u00e9couvrir ce cr\u00e9dit immobilier gratuit<\/a><\/div>\n<\/div>\n\n\n\n<div>[expert_comment user_name=\u00a0\u00bbHubert Couture-Fourcade\u00a0\u00bb job_title=\u00a0\u00bbAgent immobilier (ancien notaire)\u00a0\u00bb clickable=\u00a0\u00bbfalse\u00a0\u00bb comment=\u00a0\u00bbUn pr\u00eat familial non d\u00e9clar\u00e9, c\u2019est une donation qui s\u2019ignore, et une contestation qui se pr\u00e9pare.\u00a0\u00bb]<\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>L\u2019\u00e9co-pr\u00eat \u00e0 taux z\u00e9ro&nbsp;<\/strong><\/h3>\n\n\n\n<p>L&rsquo;<a href=\"https:\/\/www.service-public.gouv.fr\/particuliers\/vosdroits\/F19905\" target=\"_blank\" rel=\"noreferrer noopener\">\u00e9co-pr\u00eat \u00e0 taux z\u00e9ro<\/a> vous permet de financer des travaux d&rsquo;un montant maximal de 30 000 \u20ac.  L&rsquo;objectif de ces r\u00e9novations doit \u00eatre d&rsquo;am\u00e9liorer la performance \u00e9nerg\u00e9tique globale de votre logement.<\/p>\n\n\n\n<p>Il est le petit cousin du PTZ dans le sens o\u00f9 il fonctionne de mani\u00e8re tr\u00e8s similaire. Ici non plus, vous n&rsquo;avez <strong>pas d&rsquo;int\u00e9r\u00eats \u00e0 payer<\/strong>. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Le pr\u00eat consommation 0%<\/strong><\/h3>\n\n\n\n<p>Il s\u2019agit le plus souvent de&nbsp;<strong>paiements en plusieurs fois sans frais<\/strong>, propos\u00e9s par des enseignes commerciales.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>G\u00e9n\u00e9ralement sur&nbsp;<strong>3, 4 ou 6 mensualit\u00e9s<\/strong><\/li>\n\n\n\n<li>Soumis \u00e0 un montant minimum d\u2019achat<\/li>\n\n\n\n<li>Dur\u00e9e courte<\/li>\n<\/ul>\n\n\n\n<p>Exemple : achat d\u2019un bien pay\u00e9 en 4 fois sans frais =&nbsp;<strong>cr\u00e9dit sans int\u00e9r\u00eats<\/strong>, \u00e0 condition qu\u2019aucun co\u00fbt ne soit dissimul\u00e9.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-style-green-top-border is-layout-flow wp-block-column-is-layout-flow\">\n<p><strong>Exemple : <\/strong>Matthieu souhaite acheter une console de jeux en ligne. Au moment du paiement, le site lui propose de rembourser son achat sur 6 mois afin d&rsquo;en \u00e9taler les mensualit\u00e9s, le tout sans frais. Nous avons ici bien affaire \u00e0 un cr\u00e9dit sans int\u00e9r\u00eats.<\/p>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Les pr\u00eats \u00e9tudiants garan<\/strong>tis par l\u2019Etat<\/h3>\n\n\n\n<p>Les \u00e9tudiants de moins de 28 ans peuvent demander \u00e0 b\u00e9n\u00e9ficier d&rsquo;un pr\u00eat de 20 000 \u20ac accord\u00e9 par l&rsquo;Etat <strong>sans conditions de ressources<\/strong>. <\/p>\n\n\n\n<p>Il est d&rsquo;ailleurs bon de noter que ce cr\u00e9dit sans int\u00e9r\u00eats n&rsquo;a pas besoin d&rsquo;\u00eatre associ\u00e9 \u00e0 une caution parentale.<\/p>\n\n\n\n<div class=\"wp-block-mars-information icon-warning without-background\"><i class=\"icon\"><\/i><p>Le taux peut \u00eatre faible, mais\u00a0<strong>n\u2019est pas toujours strictement \u00e0 0 %<\/strong>\u00a0selon la banque. Il s\u2019agit d\u2019un dispositif aid\u00e9, mais pas syst\u00e9matiquement gratuit.<\/p><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Les pr\u00eats entre p<\/strong>articuliers<\/h3>\n\n\n\n<p>Un proche peut vous pr\u00eater de l\u2019argent&nbsp;<strong>sans int\u00e9r\u00eats<\/strong>, notamment dans un cadre familial.<\/p>\n\n\n\n<div class=\"wp-block-mars-information icon-warning without-background\"><i class=\"icon\"><\/i><p>Attention :<br\/>&#8211; Le pr\u00eat doit \u00eatre\u00a0<strong>formalis\u00e9 par \u00e9crit<\/strong><br\/>&#8211; Une d\u00e9claration fiscale est obligatoire au-del\u00e0 d\u2019un certain montant<br\/>&#8211; \u00c0 d\u00e9faut, l\u2019administration peut requalifier l\u2019op\u00e9ration en\u00a0<strong>donation d\u00e9guis\u00e9e<\/strong><\/p><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Quelles conditions faut-il remplir pour obtenir un cr\u00e9dit immobilier gratuit <\/h2>\n\n\n\n<p>Le pr\u00eat \u00e0 taux z\u00e9ro s&rsquo;adresse en premier lieu aux personnes n&rsquo;ayant pas \u00e9t\u00e9 propri\u00e9taire de leur r\u00e9sidence principale dans les deux ann\u00e9es pr\u00e9c\u00e9dant l&rsquo;achat. <\/p>\n\n\n\n<p>Il existe toutefois des<strong> exceptions <\/strong>si : <\/p>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-right\">\n<li>vous \u00eates victime d\u2019une catastrophe&nbsp;rendant votre r\u00e9sidence principale <strong>d\u00e9finitivement inhabitable<\/strong> ;<\/li>\n\n\n\n<li>vous disposez d\u2019une <strong>carte d\u2019invalidit\u00e9 <\/strong>ou une <strong>carte mobilit\u00e9 inclusion <\/strong>(CMI)<strong>&nbsp;<\/strong>avec la mention d\u2019invalidit\u00e9&nbsp;;&nbsp;<\/li>\n\n\n\n<li>vous b\u00e9n\u00e9ficiez d\u2019une <strong>allocation<\/strong>&nbsp;pour une personne handicap\u00e9e ;<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-mars-information icon-info without-background\"><p>\ud83c\udfe0 Le PTZ est un pr\u00eat <a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/prets-complementaires\">compl\u00e9mentaire<\/a>. <br\/>Depuis les r\u00e9formes successives de\u00a0<strong>2024\u20132025<\/strong>, il peut financer\u00a0<strong>jusqu\u2019\u00e0 50 % du co\u00fbt de l\u2019op\u00e9ration<\/strong>\u00a0pour l\u2019achat d\u2019un logement\u00a0<strong>neuf<\/strong>\u00a0situ\u00e9 en\u00a0<strong>zones A, A bis et B1<\/strong>.<br\/>Dans les\u00a0<strong>cas sp\u00e9cifiques o\u00f9 l\u2019ancien avec travaux reste \u00e9ligible<\/strong>, notamment dans certaines\u00a0<strong>zones rurales<\/strong>, la quotit\u00e9 financ\u00e9e par le PTZ est alors comprise\u00a0<strong>entre 20 % et 40 %<\/strong>\u00a0du montant total du projet..<\/p><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><\/h3>\n\n\n\n<h2 class=\"wp-block-heading\">Existe-t-il des alternatives au cr\u00e9dit sans int\u00e9r\u00eats ?<\/h2>\n\n\n\n<p>Oui. Certains pr\u00eats ne sont pas \u00e0 0 %, mais restent&nbsp;<strong>nettement plus avantageux que les cr\u00e9dits classiques<\/strong>.<\/p>\n\n\n\n<p>On peut citer :<\/p>\n\n\n\n<div>[expert_comment user_name=\u00a0\u00bbHubert Couture-Fourcade\u00a0\u00bb job_title=\u00a0\u00bbAgent immobilier (ancien notaire)\u00a0\u00bb clickable=\u00a0\u00bbfalse\u00a0\u00bb comment=\u00a0\u00bbDans un montage d\u2019acquisition, le taux n\u2019est qu\u2019un param\u00e8tre : ce qui compte r\u00e9ellement, c\u2019est le co\u00fbt global du financement et sa coh\u00e9rence avec les flux futurs du m\u00e9nage. Un pr\u00eat \u00e0 0 % mal structur\u00e9 peut co\u00fbter plus cher qu\u2019un cr\u00e9dit classique bien optimis\u00e9.\u00a0\u00bb]<\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Le pr\u00eat \u00e0 l\u2019Accession Sociale (PAS)<\/strong><\/h3>\n\n\n\n<p>Le <a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/pret-accession-sociale\">pr\u00eat \u00e0 l\u2019accession sociale<\/a> est destin\u00e9 aux personnes ayant des revenus modestes qui veulent devenir propri\u00e9taire d\u2019une r\u00e9sidence principale ou y effectuer des travaux. <\/p>\n\n\n\n<p>Cet emprunt est soumis \u00e0 des <strong>conditions de revenus <\/strong>et varie en fonction du nombre d\u2019occupants et de la zone g\u00e9ographique du logement. Le PAS est <strong>cumulable <\/strong>avec d\u2019autres cr\u00e9dits.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Le pr\u00eat Action-Logement<\/strong><\/h3>\n\n\n\n<p>Le taux du <a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/pret-action-logement\">pr\u00eat Action logement <\/a>est de 1% en 2026. Ainsi, il permet aux salari\u00e9s du secteur priv\u00e9 d\u2019acc\u00e9der plus facilement \u00e0 la propri\u00e9t\u00e9 d\u2019une r\u00e9sidence principale.<\/p>\n\n\n\n<p>Ce dispositif n\u2019est pas attribu\u00e9 par une banque, mais par l\u2019organisme Action logement. G\u00e9n\u00e9ralement, l\u2019emprunteur doit le souscrire avec un pr\u00eat compl\u00e9mentaire.<\/p>\n\n\n\n<div class=\"wp-block-mars-information icon-check without-background\"><p>\ud83d\udcb8 Bon \u00e0 savoir<br\/>Si vous \u00eates salari\u00e9 du secteur agricole, vous pouvez b\u00e9n\u00e9ficier du pr\u00eat AGRI-ACCESSION pour vous aider \u00e0 financer l\u2019achat de votre r\u00e9sidence principale.<\/p><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Peut-on acheter sans int\u00e9r\u00eats gr\u00e2ce aux aides sociales ?<\/h3>\n\n\n\n<p>Certaines aides (CAF, micro-cr\u00e9dits sociaux, pr\u00eats travaux) peuvent \u00eatre&nbsp;<strong>sans int\u00e9r\u00eats<\/strong>, mais elles ne financent&nbsp;<strong>jamais \u00e0 elles seules un achat immobilier<\/strong>.<\/p>\n\n\n\n<p>Elles servent plut\u00f4t de&nbsp;<strong>compl\u00e9ment<\/strong>&nbsp;dans un montage global.<\/p>\n\n\n\n<p>Pour obtenir le taux le plus int\u00e9ressant, R\u00e9assurez-moi vous conseille de mettre en concurrence les offres de ces diff\u00e9rents organismes en utilisant notre simulateur en ligne. C\u2019est gratuit et anonyme&nbsp;!<\/p>\n\n\n\n<div class=\"flex  wp-block-rm-advertizing-block advertising-block-sidebar-item fix-in-sidebar\"><div class=\"image-container flex justify-center align-items-center py-3\"><img decoding=\"async\" src=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2025\/06\/team_opti_short.png\" alt=\"reassurez-moi illustration\" class=\"wp-block-rm-advertizing-image\" loading=\"lazy\"\/><\/div><div class=\"\n                    rm-advertblock-container\n                    flex flex-column justify-center\n                    align-items-start\n                \"><p class=\"wp-block-rm-advertizing-text\n                              \n                            \">Le meilleur taux pour votre cr\u00e9dit immobilier en 2026<\/p><a href=\"https:\/\/reassurez-moi.fr\/taux-pret-immobilier\" class=\"wp-block-rm-advertizing-button\"><span class=\"wp-block-rm-advertizing-button-text\">Meilleurs taux immobilier<\/span><\/a><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">FAQ : Cr\u00e9dit sans int\u00e9r\u00eats<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1761904970308\"><h3 class=\"schema-faq-question my-0 font-semibold\">\u00a0O\u00f9 obtenir un cr\u00e9dit sans int\u00e9r\u00eats\u202f?<\/h3> <p class=\"schema-faq-answer\">Principalement via le PTZ, l\u2019\u00e9co-PTZ ou certains dispositifs commerciaux.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761905027885\"><h3 class=\"schema-faq-question my-0 font-semibold\">Qui a droit au pr\u00eat \u00e0 0% ?<\/h3> <p class=\"schema-faq-answer\">Les primo-acc\u00e9dants respectant les plafonds de ressources et les conditions de logement.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761905068283\"><h3 class=\"schema-faq-question my-0 font-semibold\">\u00a0Comment un cr\u00e9dit sans int\u00e9r\u00eats est-il possible\u202f?<\/h3> <p class=\"schema-faq-answer\">Parce que les int\u00e9r\u00eats sont pris en charge par l\u2019\u00c9tat ou int\u00e9gr\u00e9s dans une strat\u00e9gie commerciale.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Tout pr\u00eat, qu\u2019il soit immobilier, \u00e0 la consommation ou \u00e9tudiant, implique en principe des frais \u00e0 rembourser en plus du capital emprunt\u00e9.Obtenir un cr\u00e9dit sans int\u00e9r\u00eats reste toutefois possible en 2026, \u00e0 condition de remplir des crit\u00e8res pr\u00e9cis et de s\u2019appuyer sur des dispositifs cibl\u00e9s, le plus souvent aid\u00e9s par l\u2019\u00c9tat ou propos\u00e9s \u00e0 titre\u2026<\/p>\n","protected":false},"author":67,"featured_media":0,"parent":17687,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"page_topic":[805],"class_list":["post-25019","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>Cr\u00e9dit sans int\u00e9r\u00eats : est-ce encore possible en 2026 ?<\/title>\n<meta name=\"description\" content=\"Zoom sur les possibilit\u00e9s de cr\u00e9dits sans int\u00e9r\u00eats : pr\u00eat immobilier \u00e0 taux z\u00e9ro, cr\u00e9dit 0%, pr\u00eat familial, pr\u00eat et plus \u2714\ufe0f\" \/>\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\/sans-interets\" \/>\n<meta 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