Loan at zero rate 2025: what he changes for your real estate purchase on April 1

From April 1, new houses become eligible for zero -rate loan. And the PTZ again concerns the whole territory and no longer only the so -called tense areas. Enough to make it possible to materialize projects still impossible a few months ago.

Good news for first-time buyersespecially after two and a half years of real estate crisis caused by the outbreak of credit rate. The zero rate loan (Ptz), an interest -free loan financed by the State and reserved for those who buy their main residence for the first time, subject to means, returns on April 1 to its version before 2024. The PTZ is again financed the purchase of houses New, who have not been eligible since last year, unlike new apartments. And you can now pretend to it whatever the place Where is the property bought, while only the tense areas (A, ABIS and B1), where the housing supply is much lower than the demand, benefited from the PTZ in 2024.

According to the decree specifying certain zero rate loan terms, published this Sunday, March 30, the houses are however a little disadvantaged compared to the apartments, in terms of daily life, that is to say on the maximum part of the PTZ in your real estate purchase, which depends on your income. If you belong to slice 1, that of the most modest income, PTZ can finance up to 30% of your purchase of an individual house. A proportion reduced to 20% for income tranches 2 and 3, and to 10% for the income tranche 4. Apartments, they retain their daily life of 2024, respectively of 50%, 40%, 40% and 20% for income tranches 1, 2, 3 and 4.

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

Thanks to the PTZ, a saving of almost 40,000 euros

What does this change, concretely, for first-time buyers? Take the example of a couple with two children, wishing to buy a New apartment at a price of 200,000 euros in zone B2. This being “relaxed”, the couple was not eligible for PTZ in 2024. If he had decided to buy last year, he should have contracts a classic mortgage of 200,000 euros, at the rate of 3.2%, over a period of 20 years, according to simulations made by youfinance to Capital. Hence a reimbursement monthly payment of 1,130 euros, representing 30% of the 3,700 euros in net income of the couple, and a total cost of the credit, over 20 years, of 71,038 euros, calculates the broker.

From April 1, 2025, the couple is entitled to a PTZ, the B2 and C relaxed areas being again eligible. Its reference tax income of 40,000 euros annually, its family quotient and the geographical area give it the right to a PTZ quota representing 40% of its 200,000 euros in real estate purchase, or 80,000 euros. In order to complete its financing, it only has 120,000 euros in conventional credit to take out, at 3.2% over 20 years. Which drops the monthly repayment monthly payment, for the two loans, at 968 euros, or A saving of 162 euros per month Compared to financing without PTZ. An economy that amounts to 38,774 euros over 20 years: “It is as if the couple had taken out a credit of 200,000 euros over 20 years at a rate of only 1.54%!”underlines Sandrine Allonier, spokesperson for youfinance.

An impossible purchase without the PTZ

Another scenario, that of a couple, with two children still, who Build a house in tense zone B1for an acquisition cost of 283,000 euros. If he had led to this project in 2024, when the houses were no longer eligible for PTZ, the couple should have taken out a classic credit of 283,000 euros, at the rate of 3.5% over 25 years, according to the assumptions to you. This would have led him to reimburse 1,417 euros per month, or just over 35% of her 4,000 euros in monthly net income. This operation would simply have been impossible to financethe High Council for Financial Stability prohibiting banks from consenting real estate credits representing an effort rate greater than 35%.

The houses again becoming eligible for PTZ from April 1, 2025, this couple will be entitled to a zero rate loan representing 30% of its 283,000 euros in acquisition cost, based on their reference tax income of 45,000 euros per year, of the geographic area where it built and its family quotient. Or an amount of 84,900 euros, to be completed by a conventional credit of 198 100 euros, at the rate of 3.5% over 25 years. Its debt rate is thus 30.6%, which makes the project now financial. The total cost of two credits, over 25 years, reaches 84,384 euros. Which is equivalent to A rate of only 2.2% For a credit of 283,000 euros over 25 years.