Loan at zero rate: houses (a little) disadvantaged compared to apartments

The purchase of new individual houses becomes eligible for zero -rate loan from April 1, 2025. But under conditions which should be a little less interesting than for new apartments.

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If you want to buy a new individual houseundoubtedly prevail for the approach of April 1, 2025, the date from which banks will be able to distribute zero-rate loans (PTZ) for new homes and no longer only for new apartments. Promulgated less than a week ago, the finance law for 2025 restores this interest -free loan, reserved for first -time buyers subject to resources, in its version prior to 2024. Since last year, the PTZ – Complementary loan to a classic mortgage – only benefited from acquiring new apartments in tense areas (A, A bis and B1), characterized by a housing request much higher than the supply. New individual houses were no longer eligible. Purchases of new housing in relaxed areas (B2 and C) either.

Not only the finance law for 2025 makes houses eligible for PTZ again, but it also widens the latter to The whole territory. The conditions of the PTZ should nevertheless be a little less advantageous for individual houses than for apartments, in terms of quotathat is to say from the maximum part of the PTZ in real estate purchase. Determined according to household income, this quota must be specified by a decree of implementing the finance law for 2025. In 2024, the PTZ could represent between 20% and 50% of the total amount of your real estate purchase, depending on whether You belonged to the 1, 2, 3 or 4 income bracket.

A PTZ quota from 10 to 30% for houses

In detail, if you belonged to tranche 4, that of the highest income, your PTZ financed only 20% of your acquisition. A proportion that rose to 40% for income slices 3 and 2 and 50% for tranche 1, corresponding to the most modest income. Thus, in 2024, in zone A, The PTZ could finance 50% of your real estate purchase If your reference tax income was less than or equal to 25,000 euros per year. If it was less than or equal to 49,000 euros annually, the PTZ could only finance 20% of your acquisition, in zone A still.

According to a source close to the file, the PTZ daily newspapers for the purchase of new apartments would no longer be between 20 and 50%, but between 30 (slice 4) and 50% (tranche 1, the remaining 40% daily Tranches 2 and 3), according to the draft decree which must be subject to the National Housing Council. For the purchase of new individual houses, the daily life would be 10% for the income tranche 4, 20% for sections 3 and 2, and 30% for tranche 1. “Before being published, the decree must receive an opinion. As long as nothing is officially published, there is always a small margin of change ”replies the Ministry of Housing to Capital.“By decree, we will make sure that The daily newspapers are a little more attractive for apartments buyers that houses but the gap will not be very important ”, had in any case indicated the Minister of Housing, Valérie Létard, on Franceinfo, on October 23.