Real estate credit: a new 0% offer to borrow up to 50,000 euros

A property developer and a bank join forces to offer up to 50,000 euros in interest without interest to young people buying their main residence for the first time.

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Despite their decrease of more than one point in the space of one year, mortgage rates remain greater than 3%. It is therefore still not easy for first-time buyerswhich buy their main residence for the first time and generally have little contribution, to get a loan at an attractive rate. In order to lower the loan cost and, therefore, the amount of the reimbursement monthly payment, the promoter Nexity Relaunch this Wednesday, February 26, still in partnership with the bank LCLits crescendo loan, which was the subject of a first marketing campaign from September 23 to December 31, 2024.

This is an interest-free loan, at the rate of 0% therefore, for a period of 10 years and a maximum amount of 50,000 euros, reserved for first-time buyers of a main residence marketed by Nexity. This loan is however granted without income ceilingunlike the zero -rate loan (PTZ) of the State, with which it is combined. Just as it can be coupled with the LCL young youth loan, intended for children under 30, in a maximum amount of 20,000 euros, with a rate of only 1.99%, and the responsible acquisition loan, LCL still, Also capped at 20,000 euros, at the rate of 1.99%, granted for the purchase of a property to the Environmental Standards RT2012 or RE2020.

The amount of the loan depends on the number of rooms in the accommodation

Note that the amount of the crescendo loan depends on the number of parts of the acquired accommodation. It will be 10,000 euros for the purchase of a T1, 20,000 euros for a two -roomof 30,000 euros for a T3, 40,000 euros for a four -room part, and 50,000 euros for a T5 and more. This offer is valid for first-time buyers signing a reservation contract between February 24 and April 30, 2025. It concerns 992 lots in 115 Nexity programs, or almost 60% of the promoter’s offer.

The latter gives the example of a Primo-active coupleparents of a child, who wishes to acquire a three rooms in a Nexity program in Colombes (Hauts-de-Seine), at a price of 383,000 euros, and have an contribution of 57,450 euros. His reference tax income not exceeding 45,000 euros, this couple is entitled to the zero -rate loan of the State, for an amount of 135,000 euros over 25 years. Buying a T3, it benefits from the Crescendo loan from Nexity and LCL up to 30,000 euros, over 10 years, at the rate of 0%, as for the State PTZ.

Bonus rate loans

Mr. and Mademoiselle being aged under 30, They are also entitled to LCL young workers’ loan, up to 20,000 euros, repayable over 25 years, at the rate of 1.99%. Their future housing complying with the latest environmental standards, they also benefit from the loan responsible for the bank responsible for the bank, again up to 20,000 euros, over 25 years, at the rate of 1.99%. To complete their funding, they therefore only have “only” 120,550 euros to borrow as part of a classic mortgage, over 25 years, at the rate of 3.67%. Without the crescendo offer and LCL improved loans, It was 190,550 euros that they should have borrowed more than 3%…