The purchase of new individual houses will again become eligible for the zero-rate loan (PTZ) in 2025. But under conditions that are slightly less attractive than for new apartments.
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– The maximum share of the PTZ in your financing, which depends on your income, will be a little more interesting for collective housing than for individual houses.
Good news for first-time buyers, the eligibility conditions for the PTZ (zero interest loan) will be widened in 2025. The Minister of Housing, Valérie Létard, confirmed on Franceinfo, this Wednesday, October 23, this promise made by Michel Barnier during his general policy declaration. Since this year, the PTZ – an interest-free loan complementary to a traditional real estate loan – only benefits the acquisition of new apartments in tense areas (A, A bis and B1), characterized by a much higher demand for housing to the offer. THE individual houses are no longer eligible. Neither are purchases of new housing in relaxed areas (B2 and C).
These criteria “will be modified, via an amendment to the finance bill for 2025 (currently being examined by the National Assembly, Editor’s note) which we will deposit and which will allow you to benefit from the PTZ for the purchase of a new apartment or a new individual house throughout France, in relaxed areas as well as in tense areas.declared Valérie Létard.
Expanded zero-interest loan (PTZ): a breath of “hope” for first-time buyers
The enlargement of the PTZ only concerns the year 2025
Another upcoming modification: the maximum share of the PTZ in the real estate purchase, or quotawhich depends on household income. “These rates (quotations) are more or less important depending on the income categories”recalled Valérie Létard. Concretely, the PTZ can represent between 20% and 50% of the total amount of your real estate purchase, depending on whether you belong to income bracket 1, 2, 3 or 4. Today, for example, in zone A, the PTZ can finance 50% of your real estate purchase if your reference tax income is less than or equal to 25,000 euros per year. If it is less than or equal to 49,000 euros per year, the PTZ can only finance 20% of your acquisition.
“By decrees (implementing the finance law for 2025), we will ensure that these rates are a little more attractive for apartment buyers than houses but the difference will not be very significant”, explains Valérie Létard. New individual houses will therefore once again be eligible for PTZ but under slightly less attractive conditions than those relating to new apartments. In the former, on the other hand, nothing will change: only purchases of housing with energy renovation work representing at least 25% of the amount of the acquisition will be eligible for the PTZ.
Note that all these modifications of the PTZ will be valid for the year 2025. What about the following years? “We are launching the machine”answers Valérie Létard. Is it up to the 2026 Budget to go further?
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