Real estate: as of April 1, the PTZ will finance these two unknown solutions to buy at a lower cost

As of April 1, the zero rate loan will be able to finance two home ownership methods little known to the general public, although they allow you to buy below market prices.

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THE mortgage rate have dropped from a point in the space of a year but they remain greater than 3%. THE Ancient housing prices have fallen by around 10% over the past two years, but they are already starting to go back to certain cities. And those of real estate new residential still do not drop. After two and a half years of real estate crisis, The Minister of Housing, Valérie Létardtherefore hears “Go further in household assistance to become owners”. Further than expanding the zero -rate loan (Ptz) for individual houses and relaxed areas (where the supply and demand for housing are balanced), which will be effective on April 1, and that thetax exemption Family donations funding the purchase of new property or renovation work, which came into force in February.

The minister announced this Tuesday, March 11, at the MIPIM real estate show, as from April 1, the PTZ will finance Co-acquisition and dismemberment operations. To explain what the co-acquisition is, Guillaume Voirard, director of assistant cabinet of Valérie Létard, quotes the example of Crédit Mutuel Arkéa. The bank had presented Duoprimo in June 2024, a co-investment solution for first-time buyers, in order to complete their personal contributionoften the Achilles heel of young households that buy their first main residence.

Co-acquisition and dismemberment

Concretely, the first-time buyer buys a majority part of its accommodation and the Crédit Mutuel Arkéa acquires the remaining part, up to 10% maximum of the acquisition costand over a period of ten years at most. At the end of the contract, the bank resells its share to the buyer, who therefore becomes a 100% owner of his property. This acquisition method may be funded by the zero rate loan from April 1, via the decree specifying resource ceilings and Extended PTZ financing dailyWho “Will appear in 15 days” announced the minister.

Ditto for the dismemberment, which is inspired by car leasing. Guillaume Vévantard this time gives the example of the start -up Neoproprio : a real estate fund buys accommodation from a promoter and gives you 50% for a period of 25 years Via the signature, in the notary, of an emphyteutic lease contract (lease lasting 18 to 99 years). You only finance on credit half the price of the property. Then, at any time during the 25 years, you can activate the option to buy the remaining 50%, thanks to the savings that you will have had time to put aside.