Primo-actors, this new offer allows you to borrow up to 50,000 euros at zero rate

A property developer and a bank join forces to offer up to 50,000 euros in interest without interest to people buying their main residence for the first time. An amount brought to 60,000 euros for single -parent families.

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Main victims of the outbreak of mortgage rates in 2022 and 2023, first-time buyers are again pampered by promoters and banks. Nexity and Sofiap provide new evidence this Thursday, June 5. The first French promoter and the subsidiary of La Banque Postale and the SNCF, specialized in subsidized loans, offer people buying their main residence for the first time a loan of 0% and a maximum amount of 10,000 euros per room, i.e. 50,000 euros At most for a T5 marketed by Nexity. A real boost for these households traditionally with little personal contribution, while mortgage rates remain greater than 3%.

This sum may rise to 60,000 euros for single -parent families,, “A first on the mortgage market”says Nexity. And the promoter to recall that a in four family is single -parent today in France, with, in more than 80% of cases, a woman at her head.

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Notary fees offered

Unlike the state-zero-rate loan (PTZ), also reserved for first-time buyers, the granting of this new credit is not subject to resource conditions. This loan, on the other hand, comes in addition to a main mortgage contracted with Sofiap, the borrower living free to domicile his accounts in the bank of his choice. The loan must also finance the purchase of new accommodation built by Nexity. It can be combined with all the other funding available for first-time buyers, whether it be the “1% employer” of housing action or the state PTZ.

This offer is valid for 12 months, Until June 2026. From June 2 to July 20, 2025, Nexity offers first-time buyers who will subscribe to the “Notary fees “which represent on average 2% to 3% of the purchase price in new. At the start of the year, the promoter had partnered with LCL to offer up to 50,000 euros in interest without interest to young people buying their main residence for the first time. An offer that ended on April 30.