From next month, 2 new purchase solutions will be open with the zero rate loan. What are they and how to benefit from it to make its first real estate purchase?
The zero rate loan open to 2 new purchase solutions
Although the real estate crisis has been lightened in France, it remains present, with some wait -and -seeing on the part of buyers. To overcome this, The government has therefore just announced the expansion of the zero rate loan (PTZ) to 2 devices still little known to buyers.
From April 1, The zero rate loan will finance co-acquisition operations, as well as those of dismemberment. What is it?
The co-acquisition is a mechanism that can typically be used by first-time buyers, that is to say people who make their first real estate purchase. It allows to complete the personal contribution thanks to the contribution of a bank. Personal contribution has indeed increased gradually in recent years, blocking certain potential buyers.
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This allows a bank to finance a share of housing: the buyer remains the majority, but it benefits from a “boost”, of 10 % maximum of the cost of acquisition. This loan in a loan takes place over a maximum of ten years: The bank then resells its share to the buyer, who ultimately becomes 100 % owner of his property.
Until then dismissed from the zero rate loan, the co-acquisition will therefore be open. Good news for young households, which are often beneficiaries of the PTZ.
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Dismemberment and new purchasing methods
The second mode of acquisition concerned is the dismemberment. Inspired by the automotive leasing in vogue at the moment, it allows a real estate fund to buy accommodation, then give in to a buyer 50 % of the property, for a period of 25 years.
The buyers therefore finance only half the price of the property for 25 years, while putting aside to activate the option to buy the 50 % that remain.
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In addition to the extended use of zero rate loan, the government had also softened the rules of access. In 2024, 6 million households had become eligible for PTZ thanks to an increase in the increase in income thresholds.
This is a key issue: the French real estate market turned in slow motion last year, with 793,000 real estate transactions in 2024, against 1.2 million in 2021.
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Source : Capital
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Journalist at Cryptoast since 2017, I have been passionate about the challenges of decentralization, privacy and regulation. I specialized in the economy and traditional finance by analyzing how the news in this sector influence that of cryptocurrencies, thus offering a unique and enlightened perspective to cryptoast readers.
Marine Debellor
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