{"id":1777,"date":"2020-05-10T18:05:56","date_gmt":"2020-05-10T18:05:56","guid":{"rendered":"https:\/\/logement.emploi-logement.com\/?p=1777"},"modified":"2020-05-25T16:08:32","modified_gmt":"2020-05-25T16:08:32","slug":"quest-ce-que-le-pret-a-taux-zero-2","status":"publish","type":"post","link":"https:\/\/logement.emploi-logement.com\/en\/2020\/05\/10\/quest-ce-que-le-pret-a-taux-zero-2\/","title":{"rendered":"What is the zero rate loan?"},"content":{"rendered":"<p>The&nbsp;<strong>zero rate loan<\/strong>&nbsp;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.\n&nbsp;<\/p>\n\n\n\n<p>It is aimed at first-time home buyers who are purchasing their main residence for the first time.&nbsp;&nbsp; <\/p>\n\n\n\n<p><strong>Zero interest loan: what are the changes in 2020?<\/strong><\/p>\n\n\n<p><!--EndFragment--><\/p>\n\n\n<p>The novelty in 2020 concerns obtaining the loan in the old one with work in zones B2 and C.<\/p>\n\n\n\n<p>It is possible that the seller for housing subject to a social rental-purchase loan (PSLA), carries out the work with a minimum level of energy performance bearing the label E on a scale from A to G. This minimum level corresponds to&nbsp;<strong>annual conventional primary energy consumption after works of less than 331 kWh \/ m\u00b2<\/strong>.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<ul><li><strong>Zero interest loan: who can benefit from it, for which projects?<\/strong><\/li><\/ul>\n\n\n\n<p>The zero rate loan is based on three conditions:<\/p>\n\n\n\n<ul><li>The home buying area;<\/li><li>The resource ceilings (depending on the geographical area A, B1, B2 or C);<\/li><li>The size of the household.<\/li><\/ul>\n\n\n\n<p>To benefit from&nbsp;<strong>0 rate loan<\/strong>, it is necessary :<\/p>\n\n\n\n<ul><li>Be French or have a residence permit;<\/li><li>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.<\/li><\/ul>\n\n\n\n<p>The zero rate loan finances:<\/p>\n\n\n\n<ul><li>&nbsp;The principal residence of the borrower, provided that he has not owned his principal residence for the two preceding years. Unless one of the occupants is:<\/li><\/ul>\n\n\n\n<ul><li>Holder of a disability or incapacity card<\/li><li>Beneficiary of the disabled adults allowance or the disabled child education allowance<\/li><li>Victim of a disaster which made the accommodation permanently uninhabitable (unsuitable for its new condition).<\/li><\/ul>\n\n\n\n<p>Note that for a home to be considered a primary residence, it must be inhabited for at least eight months per year.<\/p>\n\n\n\n<ul><li><strong>&nbsp;What do zones A, B1, B2 and C correspond to?<\/strong><\/li><\/ul>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>For more details concerning other area of residence I encourage you to come and meet us in our department.<\/p>\n\n\n\n<ul><li><strong>What are the income limits?<\/strong><\/li><\/ul>\n\n\n\n<p>There are several limits and two calculation methods including one of the calculation methods<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p><strong>Between the two calculations it will be necessary to take the highest amount of income <\/strong><\/p>\n\n\n\n<p>There is a table for income limits.<\/p>\n\n\n\n<p>Example:<\/p>\n\n\n\n<p>&nbsp;Le Blanc Mesnil for accommodation with 5 occupants, the maximum income ceiling is \u20ac 85,100.<\/p>\n\n\n\n<p>The conditions met to obtain the PTZ are: the Zone, the number of people occupying the accommodation and resources below the ceilings<\/p>\n\n\n\n<p>However, if the borrower (s) exceed these income limits, they will not be able to claim them.<\/p>\n\n\n<p>To go further, you will have to come and see us in the department.<\/p>","protected":false},"excerpt":{"rendered":"<p>The zero rate loan is a loan to help home ownership. It supplements the financing of real estate, it is always attached to another (classic) real estate loan, and cannot ...<\/p>","protected":false},"author":18,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"amp_status":""},"categories":[43],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.9 (Yoast SEO v20.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Qu\u2019est-ce que le pr\u00eat \u00e0 taux z\u00e9ro ? - Un logement, un emploi et une formation en une seule fois<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/logement.emploi-logement.com\/2020\/05\/10\/quest-ce-que-le-pret-a-taux-zero-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qu\u2019est-ce que le pr\u00eat \u00e0 taux z\u00e9ro ?\" \/>\n<meta property=\"og:description\" content=\"Le&nbsp;pr\u00eat \u00e0 taux z\u00e9ro&nbsp;est un pr\u00eat d\u2019aide \u00e0 l\u2019accession immobili\u00e8re. 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