Why buy new?
Choosing to buy new products means enjoying many advantages. Indeed, new real estate makes it possible to save money compared to the old one with, for example, lower notary fees. But the benefits do not end there - quite the contrary.
Taxation
Pinel Law tax exemption in real estate: it is calculated on the amount of the real estate. It varies depending on the length of the rental
Guarantee
Guarantees against all defects: with the ten-year guarantee, there is no risk of defects in the structure of the new building since these issues are taken care of for ten years.
Controlled Budget
With the new Zero Rate Loan, now is the right time to buy your first home! This additional loan is a real boost.
Reduced notary fees
Buying a new home allows you to benefit from reduced notary fees. 1.60% to 3% of the amount of your purchase, against 7 to 8% for the purchase of a property in the old one.
Reduced and controlled monthly charges
Our achievements meet the energy performance requirements listed in the thermal regulations in force: Thermal regulations (RT2012). It ensures daily comfort while limiting energy consumption for heating, ventilation and hot water production. The RT2012 allows a reduction in energy consumption.
Workloads .. not for now
No major work to be done in your apartment or in the common areas of your building during the first ten years.
Le PTZ+
The PTZ +: now is the time to become an owner!
With the new Zero Rate Loan, now is the right time to buy your first home! This additional loan is a real boost.
WHAT IS THE MAXIMUN DURATION OF PTZ ?
The loan can be repaid over a period of up to 20 to 25 years, depending on the case.
What is a deferred repayment? This is the possibility offered by the PTZ of repaying its loan only after a certain number of years.
In practice, the monthly payments of all loans contributing to the financing of the operation are smoothed so that the sum of these monthly payments is equal throughout the loan.
In addition, thanks to this delay, they are lower.
WHY ARE WE TALKING ABOUT A FREE LOAN ?
The zero rate loan is free, that is to say without additional interest.
If we borrow € 40,000, we reimburse € 40,000.
WHO IS ENTITLED TO THE ZERO RATE LOAN (PTZ) ?
You can benefit from the zero rate loan if you buy your first main residence and if your income does not exceed the resource limit. The PTZ will only be able to finance part of the purchase. You will have to supplement it with one or more loans and possibly a personal contribution.
WHO DECIDES TO GRANT A PTZ ?
The bank will say if, according to the criteria established by the state, you can benefit from a zero interest loan. It is also the bank that will prepare the case.
WHY ARE WE TALKING ABOUT A COMPLEMENTARY LOAN ?
The bank will say if, according to the criteria established by the state, you can benefit from a zero interest loan. It is also the bank that will prepare the case.
WHAT CAN YOU BUY WITH THE PTZ ?
The zero rate loan is intended to buy your first main residence: to benefit from this loan you have to build or buy a new property for the first time and live there. However, it is also valid for people who have not been a homeowner in the two years preceding the loan application.