Those who have a real estate purchase project, have probably already heard of the zero rate loan (PTZ). This state system is popular with households since it makes it possible to finance between 20 and 40% of the acquisition of their future main residence by means of an interest-free loan repayable over 20 to 25 years, with a possible deferral of the first maturities of 5 to 15 years. However, in addition to complying with income ceilings, conditions continue to tighten.
Status quo for new
This financial aid can first of all be used to pay for construction, the purchase of a house that has just emerged from the ground or even the conversion of any premises into housing. But be careful, depending on the area of residence concerned, its amount will be more or less important.
Only the tight areas - A, A bis and B1 - allow a PTZ reaching 40% of the operation, within the limit of an overall ceiling including the cost of construction or purchase as well as any fees negotiation. For example, a couple with two children can thus claim maximum aid of 120,000 euros in zone A (40% of a ceiling of 300,000 euros).
As for the territories where the market does not present tension - zones B2 and C -, they simply had to be excluded from the device on January 1, 2020. Faced with the anger of the professionals, the law of Finances saved them however by accuracy. As before, the envelope is limited here to 20% of the cost of the transaction, or 44,000 euros maximum for a couple with two children (20% of a ceiling of 220,000 euros).
Energy performance in the old
If the PTZ is a real asset for new real estate, it is reduced however like a skin of sorrow in the old sector. It should be remembered that since 2018, regions in tension have been excluded here. Goods that have already been inhabited must therefore be located in zones B2 or C to be eligible for this aid, which then amounts to 40% of the cost of the operation. Only the purchase of social housing by its tenant (who has lived there for at least two years) escapes this location constraint.
In the private sector, aid is also reserved only for old dwellings in need of major renovation work. The site must represent at least 25% of the total cost of the transaction. However, a decree of January 6, 2020 has further tightened the selection of files since it is now necessary for this work to limit energy consumption to 331 kMh / m² per year (equivalent to an E energy label), evaluated on energy consumption in terms of heating, hot water production and cooling.
To qualify for the PTZ, borrowers must therefore provide the bank with a proper energy assessment of the housing before work and a projection after construction. Upon completion, all supporting invoices must demonstrate that the conditions have been met. Since January 1, 2020, it is also possible to obtain this assistance in the context of a rental-accession operation in the former, even if the work was carried out by the seller rather than by the buyer. .
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