PTZ 2025 - Prêt à taux zéro... on vous explique TOUT !

▶️To contact us, go here: https://www.hagnere-patrimoine.fr/con... ▶️ To calculate your zero-interest loan (PTZ): https://www.anil.org/outils/outils-de... ▶️ To find out which zone your property falls under: https://www.service-public.fr/simulat... 🚨 SCI accounting from €16.99 excl. VAT / month: https://sci-ai.app/ ⚠️Consultation appointments and SCI creation (€69 excl. VAT): https://calendly.com/sci-ai-app 📄 LMNP.AI, the site that revolutionizes your accounting! https://lmnp.ai/ ▶️ To invest in high-yield real estate: https://www.hagnere-investissement.fr/ ▶️ To learn more about our rates: https://www.hagnere-patrimoine.fr/ ▶️ Our free simulators are available at https://www.hagnere-investissement.fr/ Hagnéré Patrimoine - Wealth Management Expertise and Consulting Firm Hagnéré Investissement - Branch for investing in apartment buildings or apartments with a 9.60% yield ▬▬▬▬▬ CONTACT ▬▬▬▬▬ 🌐 https://www.hagnere-patrimoine.fr/ 📧 [email protected] ☎️ Tel: +33 3 74 47 20 18 ▶️ YouTube Channel: https://www.youtube.com/channel/UCqKt... 📄 Areas of Expertise: Tax Optimization Investments Financial Planning Financing Advice & Consulting The Zero-Interest Loan (PTZ) is a government assistance program designed to finance the purchase or construction of a primary residence, without interest charges, allowing repayment of only the principal. Unlike other loans, it cannot be used for rental investments. The PTZ supplements another mortgage and is not available at 100%; it is divided into tiers depending on the type of housing and the buyer's situation. To qualify for the PTZ, the conditions vary depending on whether you are buying a new, existing, or social housing unit, or converting a commercial property. For a new property, it must have been completed less than five years ago. In the case of an older property, the purchase must be made in specific areas, often less competitive, and energy efficiency renovations must be carried out, representing at least 25% of the total cost of the transaction. Eligibility for the zero-interest loan (PTZ) also depends on the future occupants' income. The income considered is that of two years prior (n-2) and varies according to the geographical area. Tables indicate the income ceilings and maximum PTZ amounts based on family composition and the zone. The maximum PTZ amount is determined by the total cost of the transaction and the number of dependents. The repayment period cannot exceed 25 years and depends on income; the higher the income, the shorter the repayment period. A repayment deferral is possible, but cannot be less than two years. To apply, you must contact financial institutions that have signed an agreement with the French government. Although the PTZ can be considered as a down payment by some banks, it is often combined with a conventional mortgage. The zero-interest loan (PTZ), initially scheduled to end in 2023, has been extended to help people become homeowners, particularly in the context of rising interest rates. This allows for significant savings on the total cost of the loan, but eligibility requirements remain strict, often limiting its use to households with relatively low incomes or in specific family situations. 00:00 - Principles of the PTZ 01:03 - Eligibility Requirements 03:50 - Maximum Income 04:54 - How Much Can I Loan? 7:30 - Repayment Period 7:55 - Application Process #PTZ #loan #bank #inflation #realestateinvestment #bank #taxes #realestate #entrepreneur #business