The PTZ, or ready-to-zero rates, is a measure ofhelp the households to buy a house in Brittany, by granting them a loan without interest or fees, as a supplement to other funding mechanism.
Initially, the TOUR was to end in December 2017, but the government has decided to extend for 4 years, while adjusting its licensing conditions.
A similar principle, but refocused on the taut areas
Indeed, the condition of the extension of the scheme to buy a house is mainly the fact that it is now accessible to more fully than in the zones tense, that is to say, those where the demand for housing is much lower than the offer and the market price is higher. Administratively, it is of the zones A, aa and B1.
What about other areas ?
If, originally, the project was to put an end to the PTZ to the areas B2 and C, it is ultimately a two-year extension that has been decided. Thus, it is still possible for households to benefit from using financing to purchase a house until December 2019.
The new ceilings of the PTZ
Zones A, aa and B1 continue to have a maximum amount that can be funded through the PTZ of 40 % of the total amount of the investment, excluding notary fees. In contrast, for other areas, B2, and C, using drops to 20 % at maximum. These percentages add up to the maximum amounts that can be financed, depending on the composition of the household and its resources. This can be very useful to buy a house.
The issue of investment in the former
The PTZ is now primarily intended to encourage investment in the new, where it takes on its full meaning in the box held. If you invest in the former with a part-financed by the PTZ is now impossible in zone A, aa and B1, it is possible to be in area B2 and C, provided that the amount of work planned to match 25 % of the cost of the operation.
The financing is 40 %, capped in amount depending on the composition of the household. Thus, it has never been so easy to buy a house.
Buy a house and enjoy a ready-to-zero rate ? It is possible. Appointment in one of the 4 agencies BPS real Estate to find the various offers that we are certain will meet all your criteria.
