With a rate of 3.30% over 20 years, on average, in October, the loan conditions remain favorable to real estate buyers, in the opinion of brokers. Especially for first-time buyerswho buy their first accommodation, because they can benefit from rate less than 3%! Provided to do quickly: “Be careful, the banks announce that there are only a few weeks left for borrowers to enjoy the zero -rate loan (Ptz) This year, even if the PTZ was renewed until the end of 2027. Some establishments will stop taking the PTZ application files from mid-October, the others will take them up to mid-November maximum, to have time to treat them before the end of the year. They will resume the processing of files in early January ”warns Sandrine Allonier, spokesperson for the youfinance broker.
Indeed, banks have “Still many PTZ files to be processed, with elongated deadlines”she observes. An influx of files linked to the expansion of the zero rate loan. Since April 1, this interest-free loan, helped by the State, complementary to a conventional mortgage and reserved for first-time buyers, provided that their income does not exceed certain ceilings, has financed the purchase of new housing everywhere in Franceand no longer only in tense areas, where the demand for housing is much higher than the supply. Always since April 1, the PTZ also finances the purchase of new individual houseswhile only new apartments were eligible before. “In the first half of 2025, 40% of our customers bought with a PTZ, against only 31% to 33% in 2024”testifies to Capital Steve Beaudel, commercial and marketing director of the manufacturer of individual houses Hexaom.
Real estate: buy 30% cheaper than the market thanks to this still confidential system
Uncertain renewal of loaned loans in 2026
It must be said that “The PTZ allows buyers to reduce the rate of their total funding by 1 or even 1.5 points”underlines the leader. And the PTZ can be supplemented by Bonus loan loansthat is to say lower than market rates. Set up by several banks in the first half of 2025, intended for first-time buyers and buyers of a good diagnosis of energy performance (DPE) or who engage in a thermal renovation, these loan loans between 0% and 1.99% were renewed in the second half. But “We do not know if they will be continued in 2026”alert Sandrine Allonier, for whom it is therefore “The last straight line to enjoy it”as for the PTZ.
Take the example of a young couple winning 3,760 euros per month in total, who buys their first house, new, at the price of 276,000 euros, in relaxed B2 zone, with 30,000 euros in personal contribution. His income makes him eligible for PTZ, for an amount of 33,000 euros, over 20 years, with a delayed 12 years, which means that he will only start to reimburse this loan in 12 years, exhibits Sandrine Allonier. This couple is also entitled to the “young active” bonus loan from a mutualist bank, for 20,000 euros, at the rate of 1.99%. It is also eligible for another enhanced loan, as its purchase in the new, also up to 20,000 euros and at the rate of 1.99%.
Maprimérenov ‘: the file to submit files again closed, until “beginning of next week”
Substantial savings compared to conventional credit
Still because he buys a new good, and because they are an employee, this couple is entitled to the “accession” loan of housing action, at the rate of 1% and for 30,000 euros. It therefore only remains for him to take out a classic mortgage of 143,000 euros to complete its financing, at the rate of 3.67% over 25 years. Funding that leads to a Average rate of 2.57% And on a reimbursement monthly payment of 1,200 euros (see infographic), a total cost of 113,000 euros over 25 years, Sandrine Allonier figure. A year ago, our young couple could not benefit from the PTZ, which was not yet extended to individual houses and relaxed areas. Bank loans at improved rate were not put in place either. Consequently, he should no doubt had to fall back on a purchase in the old one.
However, to buy an old house of 276,000 euros with an contribution of 30,000 euros, the couple would have had any other solution than to contract a credit of 246,000 euros, at the rate of 3.67% over 25 years. Hence a total cost of the credit of 168,000 euros and a monthly payment of 1,400 euros. But this representing 37.2% of the couple’s income, No bank would have agreed to finance its acquisitionthe High Council for Financial Stability prohibiting granting loans corresponding to an effort rate of more than 35%. Not only is funding with PTZ and improved loans reduces monthly payments by 200 euros and the total cost of credit by 55,000 euros, but above all it allows the couple to carry out their project! The debt rate indeed stands at less than 32%.
