The prêt à taux zéro (PTZ) program will now cover two new schemes, making homeownership more accessible.
🤝 CO-OWNERSHIP: A SOLUTION FOR THOSE WITHOUT A DOWN PAYMENT
🔹 The Problem: Many families struggle to save enough for a mortgage down payment. 🔹 The Solution: PTZ is now available for the co-ownership (co-acquisition) scheme.
📌 How does it work?
✅ The buyer purchases the majority share of the property. ✅ The bank covers up to 10% of the property’s value. ✅ Over 10 years, the buyer gradually buys out the bank’s share. ✅ PTZ can now finance this process.
📍 Example
👨👩👧👦 The Dupont family dreams of buying an apartment for €300,000. 💰 They have only €30,000 in savings, but the bank requires a €50,000 down payment. 🏦 With co-acquisition, the bank covers €30,000, allowing the family to purchase the home without additional loans.
This mechanism has already been tested by Crédit Mutuel Arkéa through its Duoprimo program and is now available nationwide.
⸻
🔄 SHARED OWNERSHIP: YOUR HOME UNDER A LEASING MODEL
🔹 The Problem: High housing costs make homeownership financially overwhelming. 🔹 The Solution: PTZ is now available for the shared ownership (démembrement immobilier) scheme.
📌 How does it work?
✅ An investment fund purchases a new property. ✅ It transfers 50% ownership to the buyer for 25 years. ✅ The buyer pays only half the total cost, reducing financial strain. ✅ Over 25 years, they have the option to buy full ownership when financially ready.
📍 Example
🏠 Maria wants to buy an apartment for €400,000, but her income is currently insufficient. 💳 The shared ownership scheme allows her to acquire 50% for €200,000. 📈 In 10 years, her salary increases, and she buys out the remaining share.
This model is already being implemented by the startup Neoproprio, offering a flexible and secure way to own a home without massive loans.
⸻
📈 NEW OPPORTUNITIES FOR FUTURE HOMEOWNERS
Integrating these two schemes into PTZ marks a new step in supporting first-time buyers. However, key questions remain:
❓ Will banks actively issue these loans? ❓ Can developers supply enough properties under these schemes? ❓ Will buyers take advantage of these opportunities?
📞 FIND OUT IF YOU QUALIFY FOR THIS PROGRAM!
From April 1, the French real estate market could change! Want to know if you qualify for a zero-interest loan?
📲 Contact me, and I will help you navigate all the details!