Good news for future acquirers: from 1 April 2025, the Zero Rate Loan (PTZ) is evolving to become more accessible and attractive. The scheme is becoming more inclusive, aiming to help more households gain access to home ownership. But then who can benefit from it and what are the main changes in breeding conditions? The Finankap Group firm provides an update on the promising evolution of this device!

The PTZ is always intended for people considered as first-time buyers: that is, those who have not owned their principal residence in the last two years. The scheme also provides for resource conditions to be eligible.

The good news is that from 1 April 2025, new resource ceilings will apply to benefit from PTZ until 31 December 2027. These amounts have not yet been officially disclosed, however the objective being to revitalize real estate, it is believed that they will be in favor of investors.

Regarding the geographical area, PTZ will now be accessible throughout France. However, the zoning of the property will be considered to define the maximum that can be financed by the PTZ.

There is also an expansion in the types of property concerned. Thus, buyers of a new dwelling (apartment or house) whether it is individual or collective or an old dwelling respecting work achievements worth at least 25% of the cost of the operation will be able to benefit from the PTZ. The typology and zoning are considered to determine the amount that can be financed by the PTZ.

NB: New single-family homes are returned to the system, subject to energy performance conditions.

Regarding the financial aspect of the device, the PTZ allows you to obtain a subsidized line on your mortgage, it is a loan aided by the State. You must repay the amount lent to you, but you do not have to pay interest on that amount. It can finance up to 50% of the total cost of the property!

NB: This percentage is based on the area, composition of the household and type of property. For a purchase in the new, the amount of PTZ may reach a maximum of 180,000 €.

In summary, the main conditions to be eligible for a Zero Interest Rate Loan (PTZ) are as follows:

• Be a first mover

• Buy new or old property with work

• Meet resource caps

If you are in this situation and want to acquire property, it is essential to start building your file now.

Even though the new terms and conditions for the Zero Interest Rate Loan (ZLP) will not come into effect until April 1, it is still possible to get ahead of the curve to maximize your chances of obtaining this advantageous financing.

With the expansion of PTZ, demand is likely to explode, but if you are ready as early as April 1, you can take advantage of the best opportunities. In this context, the support of a broker can be invaluable to optimize your file and obtain the best loan conditions.

Do not hesitate to contact the Finankap Group team to determine your purchase project and then build a solid case allowing you to benefit from the device.

Finankap Group, always by your side to give life to your desires.