The PTZ is an interest-free property loan subsidised by the government to help first-time buyers finance the purchase of their first main home. Only the capital borrowed is repaid, with no interest charges.
To qualify for the PTZ, borrowers must be first-time buyers, i.e. they must not have owned their main residence in the last two years. Income must be within certain limits, which vary according to geographical area (A, B1, B2, C) and household composition. The property purchased must be new or old, with works representing at least 25 % of the total cost.
The PTZ significantly reduces the cost of property finance through the absence of interest. It can be combined with other loans and grants. The repayment period is long (up to 25 years), with a deferment period available for households on the lowest incomes.
The amount borrowed is capped according to area and income, which may not cover the entire financing requirement. A personal contribution or additional loan is often required.
The borrower repays the capital according to a schedule fixed when the loan is taken out, with the possibility of deferred repayment. The PTZ loan is interest-free, which means lower monthly repayments.
If the property is sold before the end of the conditions (6 years minimum to benefit from the PTZ without penalties), the borrower may be obliged to repay the outstanding capital immediately. There are certain exceptions, such as the death of the borrower, long-term unemployment or a professional transfer.
The BRS makes it possible to buy a home without purchasing the land, which remains the property of an Organisme de Foncier Solidaire (OFS). The purchaser pays a fee for the rental of the land, making the property purchase more affordable.
Aimed at low-income households, the income requirements are regulated and vary according to the composition of the household and the geographical area. The property must be the buyer's principal residence.
The acquisition cost is reduced because the land is not purchased. Notary fees are also reduced. The SFO guarantees the security of the purchase.
Purchasers must pay a monthly fee to rent the land. The resale of the property is regulated to ensure that it is socially accessible, which may limit the gains if the property is sold on.
The purchaser occupies the home as the owner, but pays a fee for the rental of the land. They must comply with the occupancy conditions laid down by the SFSO.
Resale is subject to specific conditions in order to keep the property in the social housing stock. The resale price is regulated and the purchaser must inform the SFO of his intention to sell.
The Action Logement loan is a low-interest loan offered by companies to their employees to finance the purchase of their principal residence or to carry out building work.
Reserved for employees of private non-agricultural companies with more than 10 employees. Income requirements are generally moderate and vary according to family and professional situation. The property financed must be the borrower's principal residence.
The interest rate is very attractive, often lower than market rates. This loan can be combined with other financing and grants.
The amount of the loan is limited (maximum of €30,000), often requiring an additional loan. Eligibility conditions depend on the company, and the loan may not be available to all employees.
The borrower repays the loan at a preferential interest rate. The loan can be used in addition to a main loan to reduce financing costs.
There are generally no specific penalties for early resale, but the borrower must inform his or her employer and comply with the loan repayment terms.
The Prêt Épargne Logement is a low-interest loan available after you have saved in a Plan d'Épargne Logement (PEL) for at least four years.
To qualify for the loan, you need to have had a PEL open for at least 4 years. The amount of the loan is determined by the accumulated interest and the length of the savings period.
The interest rate is fixed and often lower than market rates. The savings enable you to make a personal contribution to the property purchase. A government grant may be available under certain conditions.
You have to wait several years before you can use the loan. The amount of the loan is limited by the accumulated savings, often requiring additional financing.
The borrower uses the accumulated savings and the loan to finance the purchase. The loan is repaid on favourable terms agreed in advance.
There are no specific penalties for early resale, but the borrower must continue to repay the loan under the original terms and conditions.
The Compte Epargne Logement (CEL) loan enables you to obtain a home loan at a preferential rate after saving on a CEL.
To qualify for the loan, you need to have a CEL account open and have accumulated interest. The amount of the loan is proportional to the interest earned.
Attractive interest rate and flexibility of use. CEL savings are available at any time, offering great flexibility. The CEL loan can be combined with a PEL loan.
The amount of the loan is generally small in relation to the property purchase requirements, often necessitating additional financing. To qualify for the loan, you must first save.
The borrower uses the funds saved and the loan to finance the purchase. The loan is repaid on favourable terms.
There are no specific penalties for early resale, but the borrower must continue to repay the loan under the original terms and conditions.
The PSLA enables you to become a homeowner gradually, starting by renting the property with an option to buy at a later date. Part of the rent is set aside as a down payment.
Designed for low-income households, the income limits vary according to household composition and geographical area. The property must be the buyer's principal residence.
Allows you to become a homeowner without a large initial deposit. Monthly repayments are reduced and part of the rent is capitalised. You can benefit from reduced VAT and exemption from property tax for 15 years.
The rental period is limited in time (generally between 1 and 4 years). There are income conditions for the final purchase of the property, and the acquisition process is regulated.
The buyer begins by renting the property and may decide to buy it at the end of the rental period. Part of the rent is set aside as a down payment.
If the purchaser decides not to buy the property at the end of the rental period, he or she must leave the property without recovering the capitalised rent. If the buyer resells the property after purchase, he or she must comply with the resale conditions set out in the scheme to ensure that it is socially accessible.
The reduced VAT rate of 5.5 % is a tax incentive that can be used to reduce the cost of purchasing or renovating a home, subject to certain conditions. It applies mainly to new homes located in priority neighbourhoods or in ANRU (Agence Nationale pour la Rénovation Urbaine) zones.
The VAT reduction applies to the purchase of a new home or to renovation work in specific areas. Purchasers must meet certain income thresholds. The property must be the principal residence.
Significant reduction in acquisition or renovation costs thanks to lower VAT. Encourages home ownership in priority areas and supports urban regeneration.
Eligibility is restricted to defined zones and income ceilings. If the property is sold before 10 years have elapsed, the reduced VAT may be reimbursed, except in the case of professional transfers, divorce or death.
The purchaser benefits from lower taxation during the purchase or renovation. The property must remain the principal residence in order to maintain the tax advantage.
If the property is sold before 10 years without legitimate reason, the purchaser may be required to repay the difference in VAT (14.5 %). Exceptions include situations such as the death of the purchaser, a professional transfer or divorce.
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