Expanded PTZ, real estate donations… What buyers will lose with the Barnier government’s censorship

Censorship from the Barnier government is only a matter of hours. It will bury the 2025 draft budget, which includes two major measures for property buyers.

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Are you having trouble seeing the consequences of the inevitable censorship of Michel Barnier’s government by the National Rally and the left-wing parties, which should occur in the middle of the week? However, they will be very concrete for the contenders for theaccession to property. The government’s censorship will suspend the adoption procedure of all budgetary texts currently being examined by Parliament, including the finance bill (PLF) for 2025. However, this text contains two very important measures for buyers real estate.

The first lies in theexpansion of the zero-rate loan (PTZ). Since last April, this interest-free loan, reserved for first-time buyers, who buy their main residence for the first time, only finances the purchase of new apartments in tense areas, where demand is much higher than supply. of housing. The acquisition of new individual houses is no longer eligible for the PTZ, as are purchases in relaxed zones. In the current context of the real estate crisis, with credit rates still above 3%, a government amendment to the PLF plans to reopen the PTZ to the purchase of individual houses and acquisitions in relaxed zones, from February 1, 2025 A measure that would allowincrease PTZ beneficiaries by 50%numbering 39,000 in 2023, underlines the Ministry of Housing.

Exemption from inheritance fees

Another government amendment to the PLF provides for exemption from free transfer taxes, within the limit of 100,000 euros per donor and 300,000 euros per donee (the one who receives the money), family donations to children and grandchildren if these sums of money are used to finance the purchase of new housing. The authentic deed must, however, be signed between January 1, 2025 and December 31, 2025, whether the accommodation becomes the main residence of the donee (the one who receives the money) or whether the latter rents it long-term. Here again, this measure mainly aims to help young households wishing to access property but having little personal contribution to finance their project. Note that these two amendments were not adopted by the Senate, which preferred those of more favorable senators. But there is no doubt that it is its own amendments, and not those of the senators, that the government would keep in the final version of the PLF if it still had the possibility of having it adopted without a vote in Parliament, by using article 49.3 of the Constitution.

Beyond the PLF, which will be purely and simply buried, the censorship of the Barnier government will disrupt the examination of another text, important for landlords, alerts the Ministry of Housing. This is the bill (PPL) put forward by deputies Bastien Marchive and Inaki Echaniz, which aims to allow housing located in co-ownership to waive the ban on rental of thermal strainers if the owner proves that the general meeting voted to carry out only works likely to improve the score of his home on the energy performance diagnosis (DPE). There is an emergency because the rental of thermal strainers G will be prohibited from January 1, 2025. The examination of this PPL by the National Assembly begins precisely this Tuesday, December 3.