From: BPAURA <bpaura@infos.bpaura.banquepopulaire.fr>
Date: Tue, 03 Feb 2026 00:05:54 +0000
Subject: Un projet =?utf-8?b?aW1tb2JpbGllcsKgPyA3IMOpdGFwZXM=?= pour faire de
 votre projet une =?utf-8?b?csOpdXNzaXRlwqAh?=
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To: marc.malroux@orange.fr
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Si vous ne parvenez pas =C3=A0 lire cet e-mail,=20
cliquez=C2=A0ici
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Kq7cdC46o2KVWhQ5NSWA-VhjjX036ndfuTGlFOLjyOw-AOGuRd37W3KNuo1g_J6RcVSgKhxnQ=20






| EDITO |

Acqu=C3=A9rir un bien immobilier(1), qu=E2=80=99il s=E2=80=99agisse de l=E2=
=80=99achat de votre premi=C3=A8re r=C3=A9sidence principale, d=E2=80=99un =
projet de revente, ou d=E2=80=99un investissement locatif, constitue l=E2=80=
=99un des engagements financiers le plus important d=E2=80=99une vie. Ce ty=
pe de projet mobilise vos ressources, votre temps, et implique des choix=C2=
=A0d=C3=A9terminants.

 Parce que chaque parcours est unique, chaque financement l=E2=80=99est =C3=
=A9galement. Comprendre les m=C3=A9canismes d=E2=80=99un cr=C3=A9dit immobi=
lier, c=E2=80=99est avant tout se donner les moyens d=E2=80=99agir en conna=
issance de cause, de comparer efficacement les offres, et de faire des choi=
x adapt=C3=A9s =C3=A0 ses objectifs et =C3=A0 ses=C2=A0contraintes.=20

 =C3=80 la Banque Populaire, nous avons pleinement conscience des enjeux qu=
e repr=C3=A9sente une telle d=C3=A9cision. C=E2=80=99est pourquoi nous vous=
 proposons, =C3=A0 travers ce guide, une d=C3=A9marche structur=C3=A9e et p=
rogressive. Nos conseillers sont =C3=A0 vos c=C3=B4t=C3=A9s pour vous =C3=A9=
couter, vous orienter et r=C3=A9pondre =C3=A0 vos questions, =C3=A0 chaque =
=C3=A9tape de votre=C2=A0parcours.




Vous souhaitez conna=C3=AEtre le budget =C3=A0 pr=C3=A9voir pour effectuer =
la=C2=A0r=C3=A9novation =C3=A9nerg=C3=A9tique d=E2=80=99un bien immobilier=C2=
=A0?
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4O6JeUsgqiIHRUiOYmuz8GI7pWyp3Db2iS8_3A3Tcnsyk8_Ze23Ru0TRemfdOPRhQU8YuoeA32q=
EcA2LHPfYEGI0SHXUFlLOCO-6WpTWlxIdq6MHaaEHFuJdL3WhvbiQLo9QalXGuAUGb6d-MVQ9NO=
VL7ZCuZw661gtMrJnfOi1k7IRdX7kZFUrFZqoRMmYbkFysXOHzRqv84h52z6QAQC_dSniJOydSt=
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IFzh6dfMiPePFEWIS9S65OnS7v4oEchVul6kMQb-Dc1KvWRZFRTPoTB_zE-g-FbPTJ9u6XfXv2X=
ekyO726eW7QHufgJS2xSE_5Zdy5fGGc3Oj6JWDsubulFUw9MhFu2ZM0rXMkxkG666EEIZuus6ub=
fQMnqX5YBvmHSISaMfQDrjqIYIKKWSSdz1kko1KLbWhqCJgWjp9r15lyJ9P9j-Wn9F8Po3BM3m0=
R1qwjZ-jfcvPh3eqwP-SzkSRJnGoVZRF-0O7ka9AxKVAUi4M-agyvslHOSUAp1mjFL7J=20












SIMULER VOTRE CREDIT
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f68klT8sjomffjX3LYVsWIqASgU17GeMcXfmyYxAhM9u0AXoE8lCEZIXMBK5phI8fDLBs-KBM8k=
nwfyKbRY1yvrHpqqab_CBCosT3sDS8Q0EncCh8geoft4NLa3WV4Sl12NmzCxBEM0o-zkjLj9NB4=
7DmGWYtzduyaeBDCHqeuh8BFVa2Hd6ZaqFIiMV6M_-Hw6VVhOWQAqDDAKusJaWlLdRVyvhv6KAO=
nCNp7DzoN1cBd7Bztw4l7iqQIiwS6NPe2S0VQl8wJdqQLIaW3bvFizfoYjwkoovem-VjRb-k9BP=
9qBTSa6AY_1X2aXNa14EcuhglFW_a59t2UMDfT3BGiBT69VlNiDwgnO3FMeONHHHfOUekJddXii=
ebw-zEYhY_mF0scscuT_gCBGf0wblwt2WQUgE64AyJM2V7ONxuXtC8R_m03ehnB33bo_RLvPPgZ=
nBZrmheiIiSIiAOzK8SMTjaQ4jJJeSx4nqemlihZViUYge4c-TC1qF6UR5WAyWIDvdM4qH5ViJ8=
8EUX8i4OEvt5y9Yl4semQZ5KDO8IVw9B0D15fetfOMaErFvdz8kbfbVjAxEUrsXjSgOAtgP6X2x=
f4JYWjlgJjb0K52baSBoqZR-0erS8-xjWnKIKFSvu-wpqhbwssRCz9cqRtSJpQvWw-WFDnqG-9t=
ohzdQAQYO=20




Premier achat immobilier=C2=A0(1)

=E2=80=A2=C2=A0=C2=A0Vous achetez pour la premi=C3=A8re fois=C2=A0?


C=E2=80=99est souvent un moment charni=C3=A8re, m=C3=AAlant excitation et i=
ncertitudes. Trouvez le bon bien, comprendre votre capacit=C3=A9 d=E2=80=99=
emprunt, conna=C3=AEtre les dispositifs d=E2=80=99aide comme le PTZ=C2=A0(2=
)...

 Autant de questions qui m=C3=A9ritent des r=C3=A9ponses simples, claires e=
t personnalis=C3=A9es. En tant que conseiller, notre r=C3=B4le est de vous =
aider =C3=A0 structurer vos premi=C3=A8res d=C3=A9marches et =C3=A0 b=C3=A2=
tir un projet solide et=C2=A0r=C3=A9aliste.



=E2=80=A2=C2=A0=C2=A0Votre bien a besoin de travaux de r=C3=A9novation =C3=A9=
nerg=C3=A9tique=C2=A0?

 Que ce soit pour am=C3=A9liorer votre confort, faire des =C3=A9conomies d=E2=
=80=99=C3=A9nergie ou augmenter la valeur de votre bien, ces projets n=C3=A9=
cessitent un accompagnement sp=C3=A9cifique. Quelles sont les aides disponi=
bles=C2=A0? Comment les int=C3=A9grer au plan de financement=C2=A0?







PRENDRE RENDEZ VOUS AVEC UN=C2=A0CONSEILLER
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QOIBfc84J2ioHKAfpy7JGw2SGIHA16ayDbyIl3ZTTj2BkpJcqMMI=20




D=C3=A9velopper votre patrimoine foncier avec 2=C2=A0options=C2=A0(1)

=E2=80=A2=C2=A0=C2=A0Envie d=E2=80=99une r=C3=A9sidence secondaire=C2=A0?

 Que ce soit pour les week-ends, les vacances ou une retraite anticip=C3=A9=
e, un second bien repr=C3=A9sente bien plus qu=E2=80=99un simple achat : c=E2=
=80=99est un choix de qualit=C3=A9 de vie. Il s=E2=80=99agit aussi de compr=
endre et de faire les bons choix en termes de fiscalit=C3=A9, localisation =
et strat=C3=A9gie de financement. Nous vous aidons =C3=A0 poser les bons ja=
lons pour donner vie =C3=A0 ce projet tout en pr=C3=A9servant votre =C3=A9q=
uilibre=C2=A0financier.=20

=E2=80=A2=C2=A0=C2=A0Vous souhaitez faire grandir votre patrimoine immobili=
er=C2=A0?

 Investir dans la pierre reste une valeur s=C3=BBre, =C3=A0 condition d=E2=80=
=99avoir une vision claire de vos objectifs. Achat locatif, diversification=
, transmission : chaque d=C3=A9marche m=C3=A9rite un accompagnement strat=C3=
=A9gique et sur-mesure. Ensemble, nous identifions les leviers les plus per=
tinents pour d=C3=A9velopper un patrimoine solide, p=C3=A9renne et align=C3=
=A9 avec vos=C2=A0ambitions.



Le + Banque Populaire : que ce soit pour l=E2=80=99acquisition de votre r=C3=
=A9sidence principale ou pour diversifier et optimiser votre patrimoine, no=
us avons, en collaboration avec notre partenaire BPCE, les solutions adapt=C3=
=A9es pour vous accompagner dans la r=C3=A9alisation de vos projet=C2=A0imm=
obiliers.








D=C3=89COUVREZ NOS ASTUCES EN 7=C2=A0=C3=89TAPES CL=C3=89S POUR=C2=A0UN=C2=A0=
PR=C3=8AT=C2=A0IMMO
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Consulter 24h/24 et 7j/7 tous
 vos comptes sur votre mobile.




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DOCUMENT A CARACTERE PUBLICITAIRE
 (1) Sous r=C3=A9serve d=E2=80=99acceptation de votre dossier de cr=C3=A9di=
t immobilier pour l=E2=80=99acquisition d=E2=80=99une r=C3=A9sidence princi=
pale ou secondaire, le fi nancement de parts de soci=C3=A9t=C3=A9 civile d=E2=
=80=99attribution, pour un fi nancement locatif, =E2=80=A6par Banque Popula=
ire Auvergne Rh=C3=B4ne Alpes, pr=C3=AAteur. L=E2=80=99emprunteur dispose d=
=E2=80=99un d=C3=A9lai de r=C3=A9fl exion de dix jours avant d=E2=80=99acce=
pter l=E2=80=99off re de cr=C3=A9dit. La r=C3=A9alisation de la vente est s=
ubordonn=C3=A9e =C3=A0 l=E2=80=99obtention du pr=C3=AAt. Si celui-ci n=E2=80=
=99est pas obtenu, le vendeur doit rembourser les sommes=C2=A0vers=C3=A9es.

 (2) Sous r=C3=A9serve du respect des dispositions r=C3=A9glementaires du P=
TZ et d=E2=80=99acceptation de votre dossier par votre [Nom de l=E2=80=99=C3=
=A9tablissement], pr=C3=AAteur. Le PTZ est un pr=C3=AAt en faveur des primo=
 acc=C3=A9dant sans int=C3=A9r=C3=AAt, accessible sous conditions de ressou=
rces qui permet de financer une partie de leur r=C3=A9sidence principale da=
ns le neuf ou dans l=E2=80=99ancien, sous conditions. Les int=C3=A9r=C3=AAt=
s sont pris en charge par l=E2=80=99Etat. L=E2=80=99Emprunteur dispose d=E2=
=80=99un d=C3=A9lai de r=C3=A9flexion de dix jours avant d=E2=80=99accepter=
 l=E2=80=99offre de cr=C3=A9dit. La vente est subordonn=C3=A9e =C3=A0 l=E2=80=
=99obtention du pr=C3=AAt. Si celui-ci n=E2=80=99est pas obtenu, le vendeur=
 doit rembourser les sommes=C2=A0vers=C3=A9es.






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rmations confidentielles comme un identifiant, un mot de passe, un num=C3=A9=
ro de carte bancaire, ... Toutefois, si vous avez communiqu=C3=A9 des infor=
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"center" style=3D"font-family: sans-serif ,Trebuchet MS, Helvetica; font-si=
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 IMAGE --><tr><td align=3D"center"><table bgcolor=3D"#FFFFFF" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"600" class=3D"fluide"><tbody><=
tr><td height=3D"10" style=3D"font-size: 1px; line-height: 1px;">&nbsp;</td=
><td height=3D"10" style=3D"font-size: 1px; line-height: 1px;">&nbsp;</td><=
td height=3D"10" style=3D"font-size: 1px; line-height: 1px;">&nbsp;</td></t=
r><tr><td width=3D"20" style=3D"font-size: 1px; line-height: 1px;" class=3D=
"hide">&nbsp;</td><td align=3D"center" style=3D"font-family: sans-serif ,Tr=
ebuchet MS, Helvetica; line-height: 0; font-size: 0px; color: #696969;"><im=
g border=3D"0" width=3D"100%" style=3D"border: 0px; display: block;" class=3D=
"fluide" src=3D"https://images.mailperformance.com/CIFA/02H/BPAURA/LAB01677=
/HEADER.jpg" alt=3D"Acqu=C3=A9rir un bien Immobilier - Les 7 =C3=A9tapes po=
ur r=C3=A9ussir votre projet immobilier"/></td><td width=3D"20" style=3D"fo=
nt-size: 1px; line-height: 1px;" class=3D"hide">&nbsp;</td></tr></tbody></t=
able></td></tr><!--  BLOC TEXTE 1--><tr><td align=3D"center"><table bgcolor=
=3D"#FFFFFF" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"600"=
 class=3D"fluide"><tbody><tr><td width=3D"20" style=3D"font-size: 1px; line=
-height: 1px;" class=3D"hide">&nbsp;</td><td align=3D"center"><table bgcolo=
r=3D"#242e61" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100=
%" class=3D"fluide"><tbody><tr><td align=3D"left" style=3D"font-family: san=
s-serif ,Trebuchet MS, Helvetica; font-size: 14px; color: #d0a4ec; padding:=
 20px 40px;"><span style=3D"font-size: 25px;">| EDITO |</span> <br/> <br/> =
<strong>Acqu=C3=A9rir un bien immobilier<span style=3D"font-size: 12px;"><s=
up>(1)</sup></span>, qu=E2=80=99il s=E2=80=99agisse de l=E2=80=99achat de v=
otre premi=C3=A8re r=C3=A9sidence principale, d=E2=80=99un projet de revent=
e, ou d=E2=80=99un investissement locatif, constitue l=E2=80=99un des engag=
ements financiers le plus important d=E2=80=99une vie. Ce type de projet mo=
bilise vos ressources, votre temps, et implique des choix&nbsp;d=C3=A9termi=
nants.</strong> <br/> <br/> Parce que chaque parcours est unique, chaque fi=
nancement l=E2=80=99est =C3=A9galement. Comprendre les m=C3=A9canismes d=E2=
=80=99un cr=C3=A9dit immobilier, c=E2=80=99est avant tout se donner les moy=
ens d=E2=80=99agir en connaissance de cause, de comparer efficacement les o=
ffres, et de faire des choix adapt=C3=A9s =C3=A0 ses objectifs et =C3=A0 se=
s&nbsp;contraintes. <br/> <br/> =C3=80 la Banque Populaire, nous avons plei=
nement conscience des enjeux que repr=C3=A9sente une telle d=C3=A9cision. C=
=E2=80=99est pourquoi nous vous proposons, =C3=A0 travers ce guide, une d=C3=
=A9marche structur=C3=A9e et progressive. Nos conseillers sont =C3=A0 vos c=
=C3=B4t=C3=A9s pour vous =C3=A9couter, vous orienter et r=C3=A9pondre =C3=A0=
 vos questions, =C3=A0 chaque =C3=A9tape de votre&nbsp;parcours.</td></tr><=
tr><td height=3D"10" style=3D"font-size: 1px; line-height: 1px;">&nbsp;</td=
></tr></tbody></table></td><td width=3D"20" style=3D"font-size: 1px; line-h=
eight: 1px;" class=3D"hide">&nbsp;</td></tr></tbody></table></td></tr><!-- =
CTA VOUS SOUHAITEZ --><tr><td align=3D"center"><table bgcolor=3D"#FFFFFF" b=
order=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"600" class=3D"flui=
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"padding: 10px 30px 10px 30px; font-family: sans-serif ,Trebuchet MS, Helve=
tica;"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0"><tbody><tr><=
td align=3D"center" bgcolor=3D"#d0a4ec" style=3D"font-family: sans-serif ,T=
rebuchet MS, Helvetica; font-size: 14px; vertical-align: middle; padding: 1=
0px 30px 10px 30px; border-radius: 10px; line-height: 18px;" class=3D"ctaed=
ito"><a style=3D"color: #242e61; text-decoration: underline;" href=3D"https=
://tr.infos.bpaura.banquepopulaire.fr/hit/CIFA/02H/gz/M6yTF_vEG8sfrnmny9Qkk=
CxzMiBuFsBjhJoi_VHVQjJhZoT8zm8cPuNFSmL5q3r2Lxr50OSIkhJ5K98diBnt6FM25F9o_JHE=
EIGzrs1vrQCDAgxVYlvRqJWaouKYIHPe8lBYvyA2WJuLTKm2887zbt8DSf_X3TOIH_AIT5Dxfnp=
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cyqJe1kTGBCZppGbGuKFEmGUUANlWJ6ea2tpc_9W4qYX-4VIWqYF8vjCN5_GCjpFmkBnbJoWA1x=
PAzQR0t1U3vWJdsKeG9HyDtaHI1aHUgrZV-dkvaqQt_b_p7NzZA9sc3O071_m6-Iegl74X__bVh=
Y11Lif1Rndb04SF9b4inDCycErB2VxlGqQUEaayn5zF8YNW9XmlpMNRspwzyUbvCVp4d3Iz4MRj=
jNJewwEIdRTspi7OvS6uDUtFxRFi0y4x0UoceICbl_ZTsCj4Nw7NUyUvipTFNnDMVwHsofKwEuJ=
hOY1VGZO8htgGyrV_zERt3tFCx-unRbogaA4lraJ_PK53heMtcioJh2StuDAqoWKM5uKFdlFcvf=
tfziJlyyKXGT3TNsQe0ACSUz4Hm__fustAJPo2NvHfQX7PLwedcFHdMkzGSo-_x" target=3D"=
_blank"><strong>Vous souhaitez conna=C3=AEtre le budget =C3=A0 pr=C3=A9voir=
 pour effectuer la&nbsp;r=C3=A9novation =C3=A9nerg=C3=A9tique d=E2=80=99un =
bien immobilier&nbsp;?</strong></a></td></tr></tbody></table></td><td width=
=3D"20" style=3D"font-size: 1px; line-height: 1px;" class=3D"hide">&nbsp;</=
td></tr><tr><td height=3D"10" style=3D"font-size: 1px; line-height: 1px;" c=
lass=3D"hide">&nbsp;</td><td bgcolor=3D"#242e61" height=3D"10" style=3D"fon=
t-size: 1px; line-height: 1px;">&nbsp;</td><td height=3D"10" style=3D"font-=
size: 1px; line-height: 1px;" class=3D"hide">&nbsp;</td></tr></tbody></tabl=
e></td></tr><!--  IMAGE CARTONS --><tr><td align=3D"center"><table bgcolor=3D=
"#FFFFFF" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"600" cl=
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eight: 1px;" class=3D"hide">&nbsp;</td><td bgcolor=3D"#242e61" height=3D"10=
" style=3D"font-size: 1px; line-height: 1px;">&nbsp;</td><td height=3D"10" =
style=3D"font-size: 1px; line-height: 1px;" class=3D"hide">&nbsp;</td></tr>=
<tr><td width=3D"20" style=3D"font-size: 1px; line-height: 1px;" class=3D"h=
ide">&nbsp;</td><td align=3D"center" bgcolor=3D"#242e61" style=3D"font-fami=
ly: sans-serif ,Trebuchet MS, Helvetica; line-height: 0; font-size: 0px; co=
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tbody></table></td></tr><!--  COLONNE 1 --> <!--  IMAGE APPART 1 --><tr><td=
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50" style=3D"font-size: 1px; line-height: 1px;" class=3D"hide">&nbsp;</td><=
td height=3D"50" style=3D"font-size: 1px; line-height: 1px;">&nbsp;</td><td=
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nbsp;</td></tr><tr><td width=3D"20" style=3D"font-size: 1px; line-height: 1=
px;" class=3D"hide">&nbsp;</td><td align=3D"center" bgcolor=3D"#ffffff" sty=
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t-size: 0px; color: #696969;"><img border=3D"0" width=3D"80%" style=3D"bord=
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</tr></tbody></table></td></tr><!-- CTA APPRT 1 --><tr><td align=3D"center"=
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elvetica; font-size: 14px; vertical-align: middle; padding: 10px 50px 10px =
50px; border-radius: 10px; line-height: 18px;"><a style=3D"color: #242e61; =
text-decoration: underline;" href=3D"https://tr.infos.bpaura.banquepopulair=
e.fr/hit/CIFA/02H/gz/vO0E0ZCc56UFwm3Gar0tuPnLyw5lWCTBfJiMF-53CrDYk2l8WnxDaj=
SmvF3UaE-Nat7O_o1WPxX65axpm8u2918QZHuct5t25cbALLp93T53lL7nGt8YcfuY5limjwvA6=
cNXy-KgJeee7o5iVq0Asl09XRdP4yeCzfrlrqvzRxkQsO45itDetts4hnMGbr3A7S15QEIXvVxO=
y0dbaOE531nus_aZkwYxutRWFftdfW-S02YLtPkxVDSGcWUaOfGpd-UbVlAcPwx9DRDMQNSCyCA=
U2eA-vN1bunb5XOsGqI1DAE-fNn7HAuKok7wY1Hro6Rc1O-wLUexhoEqz5p3yoGb3EdjO4pP_R_=
dHVcWB06ZusrY9L0N51V_4WcubP9p_Rj_4dSYTicGNbhINQytNqJLPiB5VsOFpx4IgE90TCbvDs=
qOUv1ijZdSh1sYgkGAgp7Knetj3oydIof0uZt0wBSmbDM1HmK3vD5w0NZeW9uEc2IOdl7c8V-aY=
wWHk2I997P37v2LgWuDR2NDhWoo_wgTEPSzdTGtwgzeP934kDKXPqJIe56jWabrUxL0fBg8GiwB=
d62sM9KolQUoYzIj_GrMP_QR90vVnnmZyxaarfVA21zzOYp4ViWOfeiIFTkpdo8Qnh8hU-ht-f-=
7oSypyoQPtedZpGS9Hgos-OknOvAC77BLKIdjbko6wK2uY" target=3D"_blank"><strong>S=
IMULER VOTRE CREDIT</strong></a></td></tr></tbody></table></td><td width=3D=
"20" style=3D"font-size: 1px; line-height: 1px;" class=3D"hide">&nbsp;</td>=
</tr><tr><td height=3D"10" style=3D"font-size: 1px; line-height: 1px;" clas=
s=3D"hide">&nbsp;</td><td height=3D"10" style=3D"font-size: 1px; line-heigh=
t: 1px;">&nbsp;</td><td height=3D"10" style=3D"font-size: 1px; line-height:=
 1px;" class=3D"hide">&nbsp;</td></tr></tbody></table></td></tr><!--  BLOC =
TEXTE 2--><tr><td align=3D"center"><table bgcolor=3D"#FFFFFF" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" width=3D"600" class=3D"fluide"><tbody><=
tr><td width=3D"20" style=3D"font-size: 1px; line-height: 1px;" class=3D"hi=
de">&nbsp;</td><td align=3D"center"><table bgcolor=3D"#ffffff" border=3D"0"=
 cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" class=3D"fluide"><tbody=
><tr><td align=3D"left" style=3D"font-family: sans-serif ,Trebuchet MS, Hel=
vetica; font-size: 14px; color: #242e61; padding: 20px 0px 3px 20px;"><span=
 style=3D"font-size: 22px;"><strong>Premier achat immobilier&nbsp;<span sty=
le=3D"font-size: 14px;"><sup>(1)</sup></span></strong></span> <br/> <br/> <=
span style=3D"font-size: 17px; color: #f3785b;">=E2=80=A2&nbsp;&nbsp;Vous a=
chetez pour la premi=C3=A8re fois&nbsp;?</span></td></tr></tbody></table></=
td><td width=3D"20" style=3D"font-size: 1px; line-height: 1px;">&nbsp;</td>=
</tr></tbody></table></td></tr><!--  BLOC TEXTE 3--><tr><td align=3D"center=
"><table bgcolor=3D"#FFFFFF" border=3D"0" cellpadding=3D"0" cellspacing=3D"=
0" width=3D"600" class=3D"fluide"><tbody><tr><td width=3D"20" style=3D"font=
-size: 1px; line-height: 1px;" class=3D"hide">&nbsp;</td><td align=3D"cente=
r"><table bgcolor=3D"#ffffff" border=3D"0" cellpadding=3D"0" cellspacing=3D=
"0" width=3D"100%" class=3D"fluide"><tbody><tr><td align=3D"left" style=3D"=
font-family: sans-serif ,Trebuchet MS, Helvetica; font-size: 14px; color: #=
242e61; padding: 20px 20px 3px 20px;">C=E2=80=99est souvent un moment charn=
i=C3=A8re, m=C3=AAlant excitation et incertitudes. Trouvez le bon bien, com=
prendre votre capacit=C3=A9 d=E2=80=99emprunt, conna=C3=AEtre les dispositi=
fs d=E2=80=99aide comme le PTZ&nbsp;<span style=3D"font-size: 12px;"><sup>(=
2)</sup></span>...<br/> <br/> Autant de questions qui m=C3=A9ritent des r=C3=
=A9ponses simples, claires et personnalis=C3=A9es. En tant que conseiller, =
notre r=C3=B4le est de vous aider =C3=A0 structurer vos premi=C3=A8res d=C3=
=A9marches et =C3=A0 b=C3=A2tir un projet solide et&nbsp;r=C3=A9aliste.</td=
></tr></tbody></table></td><!--  IMAGE PTZ --><td align=3D"center"><table b=
gcolor=3D"#ffffff" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D=
"100%" class=3D"fluide"><tbody><tr><td align=3D"justify" style=3D"font-fami=
ly: sans-serif ,Trebuchet MS, Helvetica; font-size: 14px; color: #242e61; p=
adding: 0px 0px 0px 0px;"><img border=3D"0" width=3D"70" src=3D"https://ima=
ges.mailperformance.com/CIFA/02H/BPAURA/LAB01677/logo-ptz.png" alt=3D"Pr=C3=
=AAt =C3=A0 taux z=C3=A9ro"/></td></tr></tbody></table></td><td width=3D"20=
" style=3D"font-size: 1px; line-height: 1px;">&nbsp;</td></tr></tbody></tab=
le></td></tr><!--  BLOC TEXTE 4--><tr><td align=3D"center"><table bgcolor=3D=
"#FFFFFF" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"600" cl=
ass=3D"fluide"><tbody><tr><td width=3D"20" style=3D"font-size: 1px; line-he=
ight: 1px;" class=3D"hide">&nbsp;</td><td align=3D"center"><table bgcolor=3D=
"#ffffff" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" c=
lass=3D"fluide"><tbody><tr><td align=3D"left" style=3D"font-family: sans-se=
rif ,Trebuchet MS, Helvetica; font-size: 14px; color: #242e61; padding: 20p=
x 0px 3px 20px;"><span style=3D"font-size: 17px; color: #f3785b;">=E2=80=A2=
&nbsp;&nbsp;Votre bien a besoin de travaux de r=C3=A9novation =C3=A9nerg=C3=
=A9tique&nbsp;?</span><br/> <br/> Que ce soit pour am=C3=A9liorer votre con=
fort, faire des =C3=A9conomies d=E2=80=99=C3=A9nergie ou augmenter la valeu=
r de votre bien, ces projets n=C3=A9cessitent un accompagnement sp=C3=A9cif=
ique. Quelles sont les aides disponibles&nbsp;? Comment les int=C3=A9grer a=
u plan de financement&nbsp;?</td></tr></tbody></table></td><td width=3D"20"=
 style=3D"font-size: 1px; line-height: 1px;">&nbsp;</td></tr></tbody></tabl=
e></td></tr><!--  FIN COLONNE 1 --> <!--  COLONNE  --> <!--  IMAGE APPART 1=
 --><tr><td align=3D"center"><table bgcolor=3D"#FFFFFF" border=3D"0" cellpa=
dding=3D"0" cellspacing=3D"0" width=3D"600" class=3D"fluide"><tbody><tr><td=
 height=3D"50" style=3D"font-size: 1px; line-height: 1px;" class=3D"hide">&=
nbsp;</td><td height=3D"50" style=3D"font-size: 1px; line-height: 1px;">&nb=
sp;</td><td height=3D"50" style=3D"font-size: 1px; line-height: 1px;" class=
=3D"hide">&nbsp;</td></tr><tr><td width=3D"20" style=3D"font-size: 1px; lin=
e-height: 1px;" class=3D"hide">&nbsp;</td><td align=3D"center" bgcolor=3D"#=
ffffff" style=3D"font-family: sans-serif ,Trebuchet MS, Helvetica; line-hei=
ght: 0; font-size: 0px; color: #696969;"><img border=3D"0" width=3D"80%" st=
yle=3D"border: 0px; display: block;" src=3D"https://images.mailperformance.=
com/CIFA/02H/BPAURA/LAB01677/appartement_2.png" alt=3D"Appartement"/></td><=
td width=3D"20" style=3D"font-size: 1px; line-height: 1px;" class=3D"hide">=
&nbsp;</td></tr></tbody></table></td></tr><!-- CTA APPRT 1 --><tr><td align=
=3D"center"><table bgcolor=3D"#FFFFFF" border=3D"0" cellpadding=3D"0" cells=
pacing=3D"0" width=3D"600" class=3D"fluide"><tbody><tr><td height=3D"20" st=
yle=3D"font-size: 1px; line-height: 1px;" class=3D"hide">&nbsp;</td><td hei=
ght=3D"20" style=3D"font-size: 1px; line-height: 1px;">&nbsp;</td><td heigh=
t=3D"20" style=3D"font-size: 1px; line-height: 1px;" class=3D"hide">&nbsp;<=
/td></tr><tr><td width=3D"20" style=3D"font-size: 1px; line-height: 1px;" c=
lass=3D"">&nbsp;</td><td align=3D"center" style=3D"padding: 10px 30px 10px =
30px; font-family: sans-serif ,Trebuchet MS, Helvetica;" class=3D"ctasimu">=
<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0"><tbody><tr><td alig=
n=3D"center" bgcolor=3D"#d0a4ec" style=3D"font-family: sans-serif ,Trebuche=
t MS, Helvetica; font-size: 14px; vertical-align: middle; padding: 10px 50p=
x 10px 50px; border-radius: 10px; line-height: 18px;"><a style=3D"color: #2=
42e61; text-decoration: underline;" href=3D"https://tr.infos.bpaura.banquep=
opulaire.fr/hit/CIFA/02H/gz/DLbLiKtHygBJTsYkKs05hyV76XLXpxSNLtDHzJgsiRBI_P-=
1KtplgjboP8T9AD7kTye9fqmm9BcSn7to7rPiIRix_5XlhDzNF85n1fhuVtp1IeFLDqvdGCmSXZ=
X2Om_eJmve1pwUSVDKT-2E8PYcMQTrK4xPfHW3SDZrOvm2QVzmG5uyo-P9iP704FFVldIxu78Gy=
CFU5f_3tij6lH5csgioYE0JX6HTg6vkJW5cwF_FxjpaawgrSEkiRU1n3y74lFcn7HJTPRpRFZo9=
yNyBwGIaz8kokmM6pGbhiaiO7YRRUW5LjZBUynuNwDoXeBcAves5HTG6utjysmNvEf5vdjSFSnS=
AjTAAdzqefl_B18CCKsyCHzAkq8nv6EMarPMoeGJoFi5-ON49bFSh2LfSuW3quNydeX7AXQACAW=
7RIGAtX27RqA-LoBbcdubv8MIH8bE7EH94jrjbidsIqURljzAUCwieEJgrAdFhdJnBqWE7Fx1yg=
kUIu12R6V6ka432ZgfKS0G5DrqUlAAKFcyQxGaYU2qloHsskzuoiHnIlHKZ5tcVon4Ec6MsiKAQ=
wh2BNBSlSRBZs-NWWnfkTcrUqQ6J--mxMIElo6dkFEOAZDAWEmzZDjC7dMsnmD5wEqGkaKYU4hq=
sdNaq2aPVKk7x2wQ2Kg185QHO2ehI7eE2JrR-_SrI1jMQ-GmykNXKoFrNH4-UFVMcFstG6j64QG=
bf2wV-lWDJLgx_JUupmN0" target=3D"_blank"><strong>PRENDRE RENDEZ VOUS AVEC U=
N&nbsp;CONSEILLER</strong></a></td></tr></tbody></table></td><td width=3D"2=
0" style=3D"font-size: 1px; line-height: 1px;" class=3D"">&nbsp;</td></tr><=
tr><td height=3D"10" style=3D"font-size: 1px; line-height: 1px;" class=3D"h=
ide">&nbsp;</td><td height=3D"10" style=3D"font-size: 1px; line-height: 1px=
;">&nbsp;</td><td height=3D"10" style=3D"font-size: 1px; line-height: 1px;"=
 class=3D"hide">&nbsp;</td></tr></tbody></table></td></tr><!--  BLOC TEXTE =
4--><tr><td align=3D"center"><table bgcolor=3D"#FFFFFF" border=3D"0" cellpa=
dding=3D"0" cellspacing=3D"0" width=3D"600" class=3D"fluide"><tbody><tr><td=
 width=3D"20" style=3D"font-size: 1px; line-height: 1px;" class=3D"hide">&n=
bsp;</td><td align=3D"center"><table bgcolor=3D"#ffffff" border=3D"0" cellp=
adding=3D"0" cellspacing=3D"0" width=3D"100%" class=3D"fluide"><tbody><tr><=
td align=3D"left" style=3D"font-family: sans-serif ,Trebuchet MS, Helvetica=
; font-size: 14px; color: #242e61; padding: 20px 0px 3px 20px;"><span style=
=3D"font-size: 22px;"><strong>D=C3=A9velopper votre patrimoine foncier avec=
 2&nbsp;options&nbsp;<span style=3D"font-size: 14px;"><sup>(1)</sup></span>=
</strong></span><br/> <br/> <span style=3D"font-size: 17px; color: #f3785b;=
">=E2=80=A2&nbsp;&nbsp;Envie d=E2=80=99une r=C3=A9sidence secondaire&nbsp;?=
</span><br/> <br/> Que ce soit pour les week-ends, les vacances ou une retr=
aite anticip=C3=A9e, un second bien repr=C3=A9sente bien plus qu=E2=80=99un=
 simple achat : c=E2=80=99est un choix de qualit=C3=A9 de vie. Il s=E2=80=99=
agit aussi de comprendre et de faire les bons choix en termes de fiscalit=C3=
=A9, localisation et strat=C3=A9gie de financement. Nous vous aidons =C3=A0=
 poser les bons jalons pour donner vie =C3=A0 ce projet tout en pr=C3=A9ser=
vant votre =C3=A9quilibre&nbsp;financier. <br/> <br/> <span style=3D"font-s=
ize: 17px; color: #f3785b;">=E2=80=A2&nbsp;&nbsp;Vous souhaitez faire grand=
ir votre patrimoine immobilier&nbsp;?</span><br/> <br/> Investir dans la pi=
erre reste une valeur s=C3=BBre, =C3=A0 condition d=E2=80=99avoir une visio=
n claire de vos objectifs. Achat locatif, diversification, transmission : c=
haque d=C3=A9marche m=C3=A9rite un accompagnement strat=C3=A9gique et sur-m=
esure. Ensemble, nous identifions les leviers les plus pertinents pour d=C3=
=A9velopper un patrimoine solide, p=C3=A9renne et align=C3=A9 avec vos&nbsp=
;ambitions.</td></tr></tbody></table></td><td width=3D"20" style=3D"font-si=
ze: 1px; line-height: 1px;">&nbsp;</td></tr></tbody></table></td></tr><!-- =
TEXTE BG BLEU --><tr><td align=3D"center"><table bgcolor=3D"#FFFFFF" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"600" class=3D"fluide"><=
tbody><tr><td height=3D"10" style=3D"font-size: 1px; line-height: 1px;" cla=
ss=3D"hide">&nbsp;</td><td height=3D"10" style=3D"font-size: 1px; line-heig=
ht: 1px;">&nbsp;</td><td height=3D"10" style=3D"font-size: 1px; line-height=
: 1px;" class=3D"hide">&nbsp;</td></tr><tr><td width=3D"20" style=3D"font-s=
ize: 1px; line-height: 1px;" class=3D"">&nbsp;</td><td align=3D"center" sty=
le=3D"padding: 10px 20px 10px 20px; font-family: sans-serif ,Trebuchet MS, =
Helvetica;" class=3D"ctasimu"><table border=3D"0" cellpadding=3D"0" cellspa=
cing=3D"0"><tbody><tr><td align=3D"center" bgcolor=3D"#bfdcfc" height=3D"40=
" style=3D"font-family: sans-serif ,Trebuchet MS, Helvetica; font-size: 14p=
x; vertical-align: middle; padding: 15px 15px 15px 15px; border-radius: 10p=
x; line-height: 18px;">Le + Banque Populaire : que ce soit pour l=E2=80=99a=
cquisition de votre r=C3=A9sidence principale ou pour diversifier et optimi=
ser votre patrimoine, nous avons, en collaboration avec notre partenaire BP=
CE, les solutions adapt=C3=A9es pour vous accompagner dans la r=C3=A9alisat=
ion de vos projet&nbsp;immobiliers.</td></tr></tbody></table></td><td width=
=3D"20" style=3D"font-size: 1px; line-height: 1px;" class=3D"">&nbsp;</td><=
/tr><tr><td height=3D"10" style=3D"font-size: 1px; line-height: 1px;" class=
=3D"hide">&nbsp;</td><td height=3D"10" style=3D"font-size: 1px; line-height=
: 1px;">&nbsp;</td><td height=3D"10" style=3D"font-size: 1px; line-height: =
1px;" class=3D"hide">&nbsp;</td></tr></tbody></table></td></tr><!--  FIN CO=
LONNE 2 --> <!-- BLOC IMAGE 2 --><tr><td align=3D"center"><table bgcolor=3D=
"#FFFFFF" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"600" cl=
ass=3D"fluide"><tbody><tr><td height=3D"10" style=3D"font-size: 1px; line-h=
eight: 1px;">&nbsp;</td><td height=3D"10" style=3D"font-size: 1px; line-hei=
ght: 1px;">&nbsp;</td><td height=3D"10" style=3D"font-size: 1px; line-heigh=
t: 1px;">&nbsp;</td></tr><tr><td width=3D"20" style=3D"font-size: 1px; line=
-height: 1px;" class=3D"hide">&nbsp;</td><td align=3D"center" style=3D"font=
-family: sans-serif ,Trebuchet MS, Helvetica; line-height: 0; font-size: 0p=
x; color: #696969;"><img border=3D"0" width=3D"100%" style=3D"border: 0px; =
display: block;" class=3D"fluide" src=3D"https://images.mailperformance.com=
/CIFA/02H/BPAURA/LAB01677/7_ETAPES_CLES.png" alt=3D"7 =C3=A9tapes cl=C3=A9s=
 pour r=C3=A9ussir son projet"/></td><td width=3D"20" style=3D"font-size: 1=
px; line-height: 1px;" class=3D"hide">&nbsp;</td></tr></tbody></table></td>=
</tr><!-- CTA DECOUVREZ --><tr><td align=3D"center"><table bgcolor=3D"#FFFF=
FF" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"600" class=3D=
"fluide"><tbody><tr><td height=3D"20" style=3D"font-size: 1px; line-height:=
 1px;" class=3D"hide">&nbsp;</td><td bgcolor=3D"#242e61" height=3D"20" styl=
e=3D"font-size: 1px; line-height: 1px;">&nbsp;</td><td height=3D"20" style=3D=
"font-size: 1px; line-height: 1px;" class=3D"hide">&nbsp;</td></tr><tr><td =
width=3D"20" style=3D"font-size: 1px; line-height: 1px;" class=3D"hide">&nb=
sp;</td><td align=3D"center" bgcolor=3D"#242e61" style=3D"padding: 10px 60p=
x 10px 60px; font-family: sans-serif ,Trebuchet MS, Helvetica;"><table bord=
er=3D"0" cellpadding=3D"0" cellspacing=3D"0"><tbody><tr><td align=3D"center=
" bgcolor=3D"#d0a4ec" style=3D"font-family: sans-serif ,Trebuchet MS, Helve=
tica; font-size: 14px; vertical-align: middle; padding: 10px 20px 10px 20px=
; border-radius: 10px; line-height: 18px;" class=3D"ctaedito"><a style=3D"c=
olor: #242e61; text-decoration: underline;" href=3D"https://tr.infos.bpaura=
.banquepopulaire.fr/hit/CIFA/02H/gz/ws7o5DuR5qaLBgY_xfNt16uJHHAYE1Muq3TiIW_=
IMO0sTt7_S8zbG9KHzndIEbQ5iwfG_S5H8lHyG0zdjNu4DDxTkuCyyGBnGRWfiN_1XD4BSAQQY5=
-i0q6695G5zw_sWv0wZXLfgHjxbPstvV2Eq5dgGVH6WVc7If2yBF0cZK4o_Z7VSFWzoZ72NihQF=
RtRPv9zIkjcXK3ED7jKY0USzZ4tMWxpFmKGbkjnrA6b8KJjFnIQESalw-pDCRaeifPb4GdzRL39=
9QCbjmIjg011cTJ2_LyUB4QGznphmFAHD5xPkq8H4sIK8_iGrV77tzYprItMnLRHpfUvLep-Qku=
rpWhmo5p_ErCvXOOTZUNUHwF8jbO6z_4upRWV_A9AF4dY6MU2QBr8b2kU9yZG2mocLtsWDiyJHM=
jAYaQWl4K6GbVospBJmqEJAyVchWJS9xjWU3NO82KRwI75_Yj4Z-MMgy6E1DSDFV6DZfeVXEsU0=
DgVzmT4i4bqLvocS83BUrYUqYDQ_5pcWrk2BxXP3dytuXOQjmtMUI_Uq3mdjcgp_lWuW5W1SaLh=
HyabgXoglyvJH55vKxW9azFrlObpQSVzF2w8q3kBv4ZQA-Haa_zl9r9gT9c6FIsKfC4exzoZlV_=
CjiwK6baFxRiGpwgz9a7GER2uQFdqkBvGT-JzKV2123JABnGBwYkc4757RZPOaSs-7KXYD4IgZu=
DsqTkn8OYdVTnxBA65sIsgSA" target=3D"_blank"><strong>D=C3=89COUVREZ NOS ASTU=
CES EN 7&nbsp;=C3=89TAPES CL=C3=89S POUR&nbsp;UN&nbsp;PR=C3=8AT&nbsp;IMMO</=
strong></a></td></tr></tbody></table></td><td width=3D"20" style=3D"font-si=
ze: 1px; line-height: 1px;" class=3D"hide">&nbsp;</td></tr><tr><td height=3D=
"50" style=3D"font-size: 1px; line-height: 1px;" class=3D"hide">&nbsp;</td>=
<td bgcolor=3D"#242e61" height=3D"50" style=3D"font-size: 1px; line-height:=
 1px;">&nbsp;</td><td height=3D"50" style=3D"font-size: 1px; line-height: 1=
px;" class=3D"hide">&nbsp;</td></tr></tbody></table></td></tr><!--  IMAGE T=
EXTE TELECHARGER APP --><tr><td align=3D"center"><table bgcolor=3D"#FFFFFF"=
 border=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"600" class=3D"fl=
uide"><tbody><tr><td height=3D"10" style=3D"font-size: 1px; line-height: 1p=
x;" class=3D"hide">&nbsp;</td><td bgcolor=3D"#242e61" height=3D"10" style=3D=
"font-size: 1px; line-height: 1px;">&nbsp;</td><td height=3D"10" style=3D"f=
ont-size: 1px; line-height: 1px;" class=3D"hide">&nbsp;</td></tr><tr><td wi=
dth=3D"20" style=3D"font-size: 1px; line-height: 1px;" class=3D"hide">&nbsp=
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