{"id":213977,"date":"2026-01-06T10:39:14","date_gmt":"2026-01-06T09:39:14","guid":{"rendered":"https:\/\/guide.reassurez-moi.fr\/guide\/?p=213977"},"modified":"2026-01-06T10:39:36","modified_gmt":"2026-01-06T09:39:36","slug":"dpe-2026-ma-primerenov-impacts","status":"publish","type":"post","link":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/actualites\/dpe-2026-ma-primerenov-impacts","title":{"rendered":"2026 : DPE, PEL \u00e0 2 % et MaPrimeR\u00e9nov\u2019 -impacts pour les emprunteurs"},"content":{"rendered":"\n<p>Depuis le 1er janvier 2026, plusieurs mesures bouleversent le march\u00e9 immobilier : DPE modernis\u00e9, PEL d\u00e9sormais r\u00e9mun\u00e9r\u00e9 \u00e0 2% et suspension de MaPrimeR\u00e9nov\u2019 pour les nouveaux dossiers. Ces changements influencent directement la capacit\u00e9 d\u2019emprunt, les strat\u00e9gies d\u2019investissement et la rentabilit\u00e9 locative. Voici ce qu\u2019il faut retenir pour adapter vos projets.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">DPE 2026 : un diagnostic plus fiable\u2026 qui rebat les cartes pour les bailleurs<\/h2>\n\n\n\n<p>Le nouveau DPE 2026 devient plus pr\u00e9cis, notamment pour les logements anciens. Objectif : une \u00e9valuation plus \u00e9quitable et moins de \u201cpassoires \u00e9nerg\u00e9tiques\u201d mal class\u00e9es par erreur.<\/p>\n\n\n\n<p><strong>Ce qui change pour les investisseurs :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Meilleure valorisation des biens r\u00e9nov\u00e9s.<\/li>\n\n\n\n<li>Risque r\u00e9duit de d\u00e9classement injustifi\u00e9.<\/li>\n\n\n\n<li>Classement \u00e9nerg\u00e9tique plus coh\u00e9rent avec les consommations r\u00e9elles.<\/li>\n<\/ul>\n\n\n\n<p><strong>Point cl\u00e9 :<\/strong> Un bon DPE reste un levier pour n\u00e9gocier le cr\u00e9dit : meilleure valeur du bien = meilleur ratio garantie\/emprunt.<\/p>\n\n\n\n<div class=\"wp-block-mars-information icon-info without-background\"><i class=\"icon\"><\/i><p>Les interdictions de mise en location des G et F <strong>ne changent pas<\/strong> pour l\u2019instant.<\/p><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">PEL 2026 : r\u00e9mun\u00e9ration port\u00e9e \u00e0 2 %, un support plus attractif pour pr\u00e9parer son achat<\/h2>\n\n\n\n<p>En 2026, le Plan \u00c9pargne Logement (PEL) passe \u00e0 2 %, une premi\u00e8re depuis plus de 20 ans.<\/p>\n\n\n\n<p><strong>Cons\u00e9quences pour les acheteurs :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Meilleure r\u00e9mun\u00e9ration du capital immobilis\u00e9.<\/li>\n\n\n\n<li>Taux du pr\u00eat PEL plus comp\u00e9titif, utile en cas de remont\u00e9e future des taux de cr\u00e9dit classiques.<\/li>\n\n\n\n<li>Outil int\u00e9ressant pour les parents souhaitant aider un enfant \u00e0 constituer un apport.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-mars-information icon-check without-background\"><i class=\"icon\"><\/i><p>Astuce : le PEL devient un bon compl\u00e9ment pour s\u00e9curiser l\u2019apport d\u2019un futur achat \u00e0 2\u20135 ans.<\/p><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">MaPrimeR\u00e9nov\u2019 2026 suspendue pour les nouveaux dossiers : un coup d\u2019arr\u00eat aux projets de r\u00e9novation<\/h2>\n\n\n\n<p>Depuis janvier 2026, MaPrimeR\u00e9nov\u2019 est <strong>mise en pause pour les nouveaux dossiers<\/strong>, faute de budget.<\/p>\n\n\n\n<p><strong>Impact direct pour les propri\u00e9taires bailleurs :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>R\u00e9novations globales plus co\u00fbteuses sans subventions.<\/li>\n\n\n\n<li>ROI (retour sur investissement) moins attractif pour am\u00e9liorer le DPE.<\/li>\n\n\n\n<li>Risque de retarder une mise en conformit\u00e9 \u00e9nerg\u00e9tique.<\/li>\n<\/ul>\n\n\n\n<p>Cependant, les dossiers engag\u00e9s <strong>avant le 31 d\u00e9cembre 2025<\/strong> restent \u00e9ligibles.<\/p>\n\n\n\n<div class=\"wp-block-mars-information icon-warning without-background\"><i class=\"icon\"><\/i><p>Le gouvernement a \u00e9voqu\u00e9 une refonte du dispositif, possiblement relanc\u00e9 sous une autre forme.<\/p><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Exemples chiffr\u00e9s<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Achat avec PEL 2026 : apport renforc\u00e9<\/h3>\n\n\n\n<p>Hypoth\u00e8se :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00c9pargne mensuelle : 200 \u20ac<\/li>\n\n\n\n<li>Rendement PEL : 2 %<\/li>\n\n\n\n<li>Dur\u00e9e : 5 ans<\/li>\n<\/ul>\n\n\n\n<p>Calcul rapide : Capital vers\u00e9 = 200 \u00d7 60 = 12 000 \u20ac Int\u00e9r\u00eats approximatifs (hors fiscalit\u00e9 apr\u00e8s 12 ans) \u2248 600 \u20ac Total \u00e9pargne disponible \u2248 <strong>12 600 \u20ac<\/strong><\/p>\n\n\n\n<p>\ud83d\udc49 +300 \u20ac par rapport \u00e0 un PEL \u00e0 1 % dans les m\u00eames conditions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. R\u00e9novation \u00e9nerg\u00e9tique sans MaPrimeR\u00e9nov\u2019<\/h3>\n\n\n\n<p>Travaux pr\u00e9vus pour am\u00e9liorer un logement F \u2192 D :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Isolation + VMC + chauffage : 20 000 \u20ac<\/li>\n\n\n\n<li>Aides MaPrimeR\u00e9nov\u2019 (2025, pour comparaison) : environ 4 000 \u00e0 7 000 \u20ac<\/li>\n\n\n\n<li>Co\u00fbt 2026 sans aide :&nbsp;<strong>20 000 \u20ac plein tarif<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Impact : perte d\u2019environ 20 \u00e0 30 % de subventions potentielles.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comment choisir sa strat\u00e9gie en 2026 ?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Pour les investisseurs locatifs<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Prioriser les biens d\u00e9j\u00e0 bien class\u00e9s au <a href=\"https:\/\/guide.reassurez-moi.fr\/guide\/actualites\/dpe-2026\">DPE en 2026<\/a>.<\/li>\n\n\n\n<li>Anticiper les r\u00e9novations sans d\u00e9pendre aux aides publiques.<\/li>\n\n\n\n<li>Int\u00e9grer le co\u00fbt \u00e9nerg\u00e9tique dans la rentabilit\u00e9.<\/li>\n\n\n\n<li>V\u00e9rifier l\u2019impact de la valeur verte sur les futurs loyers.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Pour les futurs emprunteurs<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ouvrir un PEL 2026 si achat pr\u00e9vu \u00e0 moyen terme.<\/li>\n\n\n\n<li>Valoriser un bon DPE lors du montage du financement.<\/li>\n\n\n\n<li>\u00c9tudier les pr\u00eats travaux des banques en l\u2019absence de MaPrimeR\u00e9nov\u2019.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Mini check-list<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mon bien est-il suffisamment performant \u00e9nerg\u00e9tiquement ?<\/li>\n\n\n\n<li>Ai-je int\u00e9r\u00eat \u00e0 ouvrir un PEL avant une \u00e9ventuelle baisse du taux ?<\/li>\n\n\n\n<li>Mes travaux restent-ils rentables sans subvention ?<\/li>\n\n\n\n<li>Quel impact sur mon plan de financement ?<\/li>\n<\/ul>\n\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            Assurance emprunteur\n        <\/p>\n        <p class=\"wp-block-rm-advertizing-sub-text\">\n            les meilleures offres 2026\n        <\/p>\n        <a\n            href=\"https:\/\/app.reassurez-moi.fr\/parcours-assurance-pret-immobilier\"\n            class=\"wp-block-rm-advertizing-button\"\n        >\n            <span class=\"wp-block-rm-advertizing-button-text\">\n                Comparer\n            <\/span>\n            <span class=\"wp-block-rm-advertizing-button-sub-text\">\n                nos assurances de pr\u00eat\n            <\/span>\n        <\/a>\n    <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">FAQ <\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1767691078373\"><h3 class=\"schema-faq-question my-0 font-semibold\">Le DPE 2026 change-t-il les interdictions de louer ?<\/strong> Non<\/strong> <p class=\"schema-faq-answer\">Non, seules les m\u00e9thodes de calcul \u00e9voluent.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1767691095287\"><strong class=\"schema-faq-question\"><strong>Peut-on encore d\u00e9poser un dossier MaPrimeR\u00e9nov\u2019 ?<\/h3> <p class=\"schema-faq-answer\">Oui, uniquement si le dossier a \u00e9t\u00e9 initi\u00e9 avant fin 2025.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1767691110085\"><h3 class=\"schema-faq-question my-0 font-semibold\">Le PEL \u00e0 2 % est-il bloqu\u00e9 10 ans ?<\/h3> <p class=\"schema-faq-answer\">Oui, le fonctionnement reste identique \u00e0 celui des pr\u00e9c\u00e9dents PEL.<br\/><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1767691120154\"><h3 class=\"schema-faq-question my-0 font-semibold\">Le nouveau DPE peut-il am\u00e9liorer la note de mon logement ?<\/h3> <p class=\"schema-faq-answer\">Oui, certains logements mal \u00e9valu\u00e9s auparavant peuvent remonter d\u2019une classe.<\/p> <\/div> <\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p>2026 marque un tournant pour les acheteurs et investisseurs immobiliers. Entre un DPE plus fiable, un PEL plus r\u00e9mun\u00e9rateur et la suspension de MaPrimeR\u00e9nov\u2019, il devient essentiel d\u2019adapter ses strat\u00e9gies : optimiser l\u2019\u00e9pargne, anticiper les travaux et cibler les biens les plus performants \u00e9nerg\u00e9tiquement. Une bonne pr\u00e9paration reste la cl\u00e9 pour obtenir un financement avantageux et pr\u00e9server la rentabilit\u00e9.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Depuis le 1er janvier 2026, plusieurs mesures bouleversent le march\u00e9 immobilier : DPE modernis\u00e9, PEL d\u00e9sormais r\u00e9mun\u00e9r\u00e9 \u00e0 2% et suspension de MaPrimeR\u00e9nov\u2019 pour les nouveaux dossiers. Ces changements influencent directement la capacit\u00e9 d\u2019emprunt, les strat\u00e9gies d\u2019investissement et la rentabilit\u00e9 locative. Voici ce qu\u2019il faut retenir pour adapter vos projets. DPE 2026 : un diagnostic\u2026<\/p>\n","protected":false},"author":67,"featured_media":213974,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[43],"tags":[],"class_list":["post-213977","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>2026 : DPE, PEL \u00e0 2 % et MaPrimeR\u00e9nov\u2019 - impacts pour les emprunteurs<\/title>\n<meta name=\"description\" content=\"DPE 2026, PEL \u00e0 2 %, MaPrimeR\u00e9nov\u2019 suspendue : impacts pour les acheteurs et investisseurs. 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