The return of zero-interest loans for individual homes: new hope for first-time buyers
The government is proposing to bring the French real estate dream back to life with a bold project: making individual homes eligible for zero-interest loans (PTZ) once again. This measure could boost the real estate market and offer new opportunities for home ownership throughout the country.
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A wind of change for PTZ
The year 2025 could mark a decisive turning point for first-time buyers thanks to a government amendment aimed at modifying the conditions for granting the zero-rate loan. This system, essential to support access to property for households with modest incomes, could be extended to include not only apartments but also individual housesa sector excluded since the adoption of the finance law for 2024.
The current legislative framework and new proposals
Since April 1, 2024, the PTZ has been limited to collective housing in strained urban areas. However, the government proposes, through an amendment tabled in November 2023, to reintroduce individual houses in the system, in order to stimulate construction and purchasing in all regions of France.
Expansion of PTZ throughout the territory
The finance bill for 2025 envisages a broader application of the PTZ, covering all types of new housing throughout France. This extension aims to amplify government support for homeownership, particularly for families with more limited resources, thus facilitating the purchase of their first main residence.
Amendment details and duration of eligibility
If the amendment is accepted, the new provisions would make it possible to obtain a PTZ for individual houses from February 1, 2025 until December 31, 2027. This three-year period offers a window of opportunity to revitalize the real estate market and encourage environmentally friendly construction.
Revision of financing quotas
The government also plans to revise the financing quotas associated with the PTZ. A decree, following the adoption of the amendment, would precisely define the percentage of the total cost of the real estate transaction that can be financed by this loan, with potentially more favorable conditions to make the real estate purchase even more accessible.
Expected impact on the real estate market
This initiative could significantly increase the number of constructions of individual houses in France, contributing to meet the growing demand for housing. Additionally, it would support the local economy by boosting the construction and real estate sectors across the country.
A revival for the real estate market
The extension of PTZ could transform the French real estate landscape, making homeownership possible for a greater number of households. This would represent notable progress in housing policy, in line with the objectives of sustainable development and support for less well-off citizens.
This law could revolutionize inheritance rules, unlocking spectacular tax advantages for each heir in France
This article explores the proposed changes to the zero-interest loan system, considering expanded eligibility which would include individual homes. This change could revitalize the French real estate market and offer new possibilities to first-time buyers, allowing them to realize their dream of accessing property in an increasingly difficult economic context.
