It is not necessary to have a personal contribution to benefit from a loan with zero rate. On the other hand, the conditions linked to the use of the PTZ Plus may oblige the borrower to pay certain expenses as notary fees by his own money. All clarifications with our financing experts.
The conditions for obtaining the zero-rate loan affect both the borrower’s situation and housing.
The zero-rate loan is reserved for first-time buyers (1) who buy their principal residence in new homes and who respect a certain income ceiling.
(1): definition given by the public authorities: not having owned his principal residence in the two years preceding the application.
Since 2012, the PTZ Plus has been refocused on new homes only (construction of a detached house or purchase of an off-plan apartment). It must also meet energy standards and habitability (living space, sanitation …).
Most developers and builders have incorporated this constraint. There are almost no apartments on the market that meet energy standards. The two accepted labels are:
Despite the fact that a zero interest loan can be obtained without having a personal contribution , it is often necessary to have available capital since the PTZ can not be used to finance notary fees . The aid must therefore be used solely for financing the acquisition. Two scenarios can arise:
All About the Zero Rate Loan: The Complete File