The zero rate loan is a loan to help home buyers. It supplements the financing of a real estate property, it is always attached to another (classic) real estate loan, and cannot be used to finance a real estate project in its entirety.
It is aimed at first-time home buyers who are purchasing their main residence for the first time.
Zero interest loan: what are the changes in 2020?
La nouveauté en 2020, concerne l’obtention du prêt dans l’ancien avec travaux en zones B2 et C.
Il est possible que le vendeur pour les logements faisant l’objet d’un prêt social de location-accession (PSLA), réalise les travaux avec un niveau minimal de performance énergétique portant l’étiquette E sur une échelle de A à G. Ce niveau minimal correspond à annual conventional primary energy consumption after works of less than 331 kWh / m².
In other words, the renovated housing will have to justify a DPE with a label E or better. To justify this energy performance, the borrower must provide the credit institution with an energy assessment established using a conventional calculation method.
- Prêt à taux zéro : qui peut en bénéficier, pour quels projets ?
Le prêt à taux zéro est en fonction de trois conditions :
- The home buying area;
- The resource ceilings (depending on the geographical area A, B1, B2 or C);
- The size of the household.
To benefit from 0 rate loan, il faut :
- Be French or have a residence permit;
- Do not exceed the PTZ resource ceilings calculated according to the place of residence and the number of people occupying the accommodation in the long term.
Le prêt à taux zéro finance :
- La résidence principale de l’emprunteur à condition qu’il n’a pas été propriétaire de sa résidence principale sur les deux années précédentes. Excepté si l’un des occupants est :
- Holder of a disability or incapacity card
- Beneficiary of the disabled adults allowance or the disabled child education allowance
- Victim of a disaster which made the accommodation permanently uninhabitable (unsuitable for its new condition).
Note that for a home to be considered a primary residence, it must be inhabited for at least eight months per year.
- A quoi correspondent les zones A, B1, B2 et C ?
Zone A corresponds to cities where there is much more demand than supply and where it is more difficult to find accommodation as in Paris (we will speak of a tense zone). Conversely, in zone C it is easier to become an owner as in the towns of Oise.
For more details concerning other area of residence I encourage you to come and meet us in our department.
- Quels sont les plafonds de revenus ?
Il y a plusieurs plafonds et deux modes de calcul dont l’un des modes de calculs
On the tax income for year N-2 For example, if the acquisition takes place in 2020, we will use the tax notice for 2018.
Between the two calculations it will be necessary to take the highest amount of income
There is a table for income limits.
Exemple :
Le Blanc Mesnil pour un logement avec 5 occupants le plafond des revenus maxi est de 85100€.
Les conditions réunies pour l’obtention du PTZ sont : la Zone, le nombre de personnes occupant le logement et ressources inférieures aux plafonds
However, if the borrower (s) exceed these income limits, they will not be able to claim them.
To go further, you will have to come and see us in the department.