New real estate: Do you know these 2 aids to buy cheaper in 2025?

Two boosts for real estate purchase in the new one came into force this year. The buyers do not yet grasp it enough, regrets the federation of real estate developers.

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Decided to take advantage of the drop in credit rates to Buy your first accommodationyou target the new ones for its energy performance and the absence of work. You are all the more right since two financial boosts are available to you in 2025 to acquire new good. Starting with the expansion of zero -rate loan (PTZ). Since April 1, this interest-free loan, complementary to a conventional mortgage and reserved for first-year-olds under resource conditions, makes it possible to finance the purchase of new property everywhere in France, and no longer only in so-called tense areas, where housing demand is much higher than the offer. In parallel, the PTZ was extended to the purchase of new individual houses while only new apartments were eligible in 2024.

“By taking charge of up to 50% of the amount of the acquisition, the PTZ improves both the borrowing capacity of buyers and allows them to save on the cost of their credit”underlines Pretto. The broker cites the example of a first-time couple wishing to buy an apartment in Asnières-sur-Seine (Hauts-de-Seine), with 70,000 euros in net annual income and 40,000 euros in contribution. In the old one, they can target a property of 300,000 euros, calculates the broker. A sum to which it is necessary to add the notary fees, which represent on average 7% to 8% of the value of the property, but also the brokerage and guarantee costs of the loan. The costs that Pretto estimates at 28,000 euros in total. According to the broker, the couple will have to borrow 288,000 euros, Hence a monthly payment of 1,410 euros to be reimbursed, based on a credit over 25 years at the rate of 3.2%.

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PTZ saves big

What happens if the couple buys in new? Given his income, he is eligible for PTZ up to 110,000 euros, calculates Pretto. In addition, 30,000 euros in 1%housing action loan, the couple being an employee. A total of 140,000 euros in improved loans, that is to say at lower rates than those on the market. “At 360,000 euros, their borrowing capacity takes a serious boostwith 60,000 euros more ” that for a purchase in the old, Pretto figure. Very concretely, the couple can afford 9 additional square meters, the equivalent of a room, based on average prices in Asnières.

In addition, notary fees representing only 2% to 3% of the value of the property in new, they do not exceed 16,000 euros. The couple therefore borrows 336,000 euros in total. Their reimbursement monthly payment always amounts to 1,410 euros but, thanks to the 140,000 euros in enhanced loans, the average rate of their funding falls to 1.92%, according to loanto simulations. “The impact on the total cost of credit is enormous, with A saving of 44,000 euros»» By buying in the new rather than in the old one, underlines the broker.

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Up to 300,000 euros in tax exempt from tax

Another boost for purchase in the new provided by the finance law for 2025, the tax exemption from family donations. Entry into force in mid-February, this measure runs until December 31, 2026. It is capped at 100,000 euros per donor and 300,000 euros per donor (the one who receives), the latter being able to be a child, a little child, a great-child or a nephew or a niece in the absence of descendants.

“Your child can receive a maximum of 200,000 euros in total of yourself and your spouse, and an additional 100,000 euros from his grandfather or grandmother”illustrious Pascale Gloser, president of CNCF Patrimoine. Of the terms However, must be observed. These sums must be used to buy new accommodation within six months of the donation. This property must be the main home of the buyer or a tenant. Finally, the buyer will have to keep the accommodation for the five years following the donation.

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Little -known measures

A measure that Pascal Boulanger, president of the Federation of Real Estate Promoters (FPI), called for several years. Its entry into force is certainly recent but it admits “Tdisappointed “ For now. “On donations, as on the enlargement of the PTZ, the returns of promoters members of the FPI are not good. They are even bad. It’s very insufficient “ To relaunch the construction of housing, he notes. No doubt the buyers are not yet familiar with these innovations. Buyers to whom “The geopolitical and economic climate does not inspire confidence”adds Pascal Boulanger.

In a statement published at the end of April, the Ministry of Housing reported “”8,000 declared PTZ offersa stable dynamic ” compared to last year. Grateful “A gradual movement of the device”he believes that his effects “Will be fully visible from the second half, once the technical and administrative deadlines have been absorbed”.