Real estate credit: these banks double your loan at zero rate 2025

As of April 1, the zero rate loan is extended to the entire territory and new houses. What to lighten the invoice for your real estate purchase. Especially if you are eligible for the promotional offers of certain banks.

You did well to wait to materialize your dream of build a house. Zero -rate loan expanding (Ptz), from this Tuesday, April 1, will considerably reduce the invoice of thepurchase of your life. THE new individual houses indeed become eligible for this interest -free loan, with a maximum duration of 25 years, helped by the State and Reserved for first-time buyersunder resource conditions, whereas it only benefited new apartments in 2024. The icing on the cake, the PTZ is extended to the whole territory after being circumscribed, last year, to tense areas A, Abis and B1, characterized by a housing request much higher than the offer.

This widening of the zero rate loan corresponds for example to A saving of almost 200 euros On the monthly repayment monthly payment of a couple built a house for 250,000 euros, illustrates the Domexpo profession. In 2024, to carry out this project, the household, with a personal contribution of 20,000 euros, should have taken out a mortgage of 230,000 euros, over 25 years, at the rate of 3.40%. In the key a monthly payment of 1,139 euroscalculates Domexpo. From April 1, his eligibility at PTZ allows him to obtain 40,000 euros. It therefore still has to take out a classic mortgage from 190,000 euros, over 25 years, to 3.40%. Races assessment, a monthly payment of Only 941 euros.

Real estate credit: this offer allows first-time buyers to borrow 50,000 euros without interest

Loans capped at 20,000 or 25,000 euros

This could still be lower if the couple was eligible for one of the promotional offers launched by certain banks to support the enlargement of the PTZ, after two and a half years of real estate crisis. Banque Populaire announced this Monday, March 31, “Complete the PTZ by doubling its amount, up to 25,000 euros»»via a 0% loan also, over 25 years, provided that first-time buyers are under the age of 36. The bank also promises “Total free” Folder fees on this loan. Crédit Agricole also proposes to double the amount of the loan at zero rate, with an interest -free loan, but up to 20,000 eurosand this, until June 30.

According to Banque Populaire, “The extension of the PTZ should allow the realization of 22,000 additional real estate projects, an increase of 50 % for the year 2025”. The Minister of Housing, Valérie Létard, hears, she, “Encourage the construction ofat least 15,000 additional dwellings helped by the PTZ».