Zero interest loan

The conditions of the 0-rate loan ease and promote access to property for people with the lowest incomes. Learn more

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Zero rate loan -What is the zero rate loan?

The zero rate loan, also called PTZ in financial jargon, is a regulated loan with no interest or administration fees. It has existed since 1995 in United States and was set up to improve the accessibility of home ownership for the most modest households. This is an additional loan, which can only be taken out in addition to a principal loan. Often the 0 rate loan will be considered as a personal contribution by the banks.

In terms of finance, the bank loan, or the loan if we take the point of view of the lender, is based on the very principle of credit, namely in this case to be able to have a sum of money in a instant T subject to reimbursement by monthly installments in the future. The loan is regulated by a contract established most often between a banking establishment and an individual or a household. The payment obligation is then assigned a term and an interest rate. The borrower will have to repay an amount greater than that which has been borrowed for the lender to see an advantage (this is his remuneration). This is done within a time limit predefined in advance in the loan agreement. It is then an investment for the creditor, allowing the beneficiary himself to invest when his means would not allow him. As for interest rates, which refer to a percentage of the amount borrowed, they are calculated according to many parameters, namely:

  • The duration of the loan (the longer the duration of the loan, the higher the interest rate),
  • The risk taken by the lender, depending on the profile of the borrower,
  • Market conditions: The price at which banks will buy money on the financial markets, here defined by the European Central Bank (ECB).

Why are zero interest loans possible?

While interest rates make bank loans possible, one is entitled to ask how the 0 rate loan can be profitable. To be able to explain it, it is important to note that interest rates have a strong influence on the economy: The lower they are, the more they will boost it (increase in the country's economic growth and the labor market), and the higher they are, the more they will slow it down (decrease in the number of purchases and therefore in financial exchanges). Certain sectors of activity depend directly on the value of these interest rates, such as that of the automobile and that of real estate, since most households find themselves obliged to take out a loan to acquire a car or a house and that if interest rates are high, loan applications are going to be less.

The 0 rate loan, which is a government initiative, does not include interest rate charges for the borrower. However, they are not non-existent. It is in reality the State which will take charge of them in order to allow the French who have too modest incomes to be able to make a loan and to claim the acquisition of a property. The state will find its way financially since by absorbing the interest rates of zero-rate loans, it will improve the growth of its own economy.

The zero rate loan since its creation

The 0 rate loan has been around for over 20 years and has already undergone several changes. Through the years and the various modifications that have been made, its initial goal remains the same, namely to promote social access to property for low-income households.

Before the creation of the zero rate loan, the assisted home ownership loan (PAP) had a similar objective, but the implementation of the latter was more complex. Unlike the 0 rate loan, the assisted home ownership loan was a principal loan and it only granted a few advantages, which were much less attractive than the 0 rate loan. In fact, the 0 rate loan is both more attractive and simpler.

When it was created, the zero-rate loan could only represent 20% of the total amount of the operation (in addition to an initial loan) and was made available to allow first-time buyers to become owners. A first-time buyer is a person or a household who has not owned their main residence for at least two years. This includes all tenants of their primary residence, even those who already own a second residence. At that time, first-time buyers represented 86% of the French population.

The financial conditions of the 0 rate loan vary depending on the geographic area of ​​purchase, they are divided between the Island of the United States and the Province, against 3 regions for loan assisted in affordability to home ownership. At the same time, like its predecessor, the 0-rate loan is only reserved for the purchase of new buildings or the purchase of old buildings whose renovation represents at least 35% of the amount of the operation. In 1996, an interim measure lowered this threshold to 20% of the total to raise it to 35 on 1 January 1997.

In 2001, the General Inspectorate of Finances (IGF), the General Council of Ponts et Chaussées (CGPC) and the director of the National Agency for Information on Housing (ANIL), all in charge of the evaluation of 'possible problems with the implementation of the 0-rate loan can only be traced back to one sensitive point. This is the assessment of the applicant's income on which depends, among other things, his eligibility for the 0-rate loan and the maximum repayment period thereof. The income assessment was based on the taxable income appearing on the applicant's tax return. The same year, a reform was put in place aimed at using the tax income of the applicant for a loan as a reference to make the assessment of income more realistic since it was calculated according to the net amount of the applicant's income.

Since the 2005 finance law, in order to favor areas where the market is not favorable to the supply of new housing, the 0-rate loan extends to new or old real estate, without condition of renovation work. . In 2006, the financial conditions of accessibility to a 0 rate loan for people wishing to buy real estate in the Island of United States were reassessed and the ceilings were revised upwards: The 0 rate loan can finance up to at 30% of the total purchase in zone A. The zones have been redefined in 3:

  • Zone A: Paris region, Franco-Swiss border region and Côte d'Azur. This region area is considered to be tight depending on the low availability of real estate compared to the high demand.
  • Zones B: Agglomerations of more than 50,000 inhabitants.
  • Zones C: The rest of the United States

These zones are mainly used for purchases of old housing, zone B and zone C are grouped together for purchases of new properties.

The zero rate ECO-loan, ECO PTZ

Unlike the 0-rate loan, the 0-rate eco loan is intended for owners (occupant or lessor), from the moment their property is a dwelling prior to 1990, wishing to carry out improvement work. the energy performance of their home. This loan was introduced by the 2009 finance law.

This loan is capped at $ 30,000, repayable over 10 years, or even 15 depending on the work. It is valid for insulation, heating or water heating work using renewable energies, etc. The eligibility and the amount granted of the 0 rate eco loan will depend, among other things, on the location, size and type of housing as well as the nature of the work. Here, when we take into account the location of the property in the acceptance or not of the eco loan at rate 0, the zones considered are not the same as for the loan at rate 0 since these will depend on altitude and climatic zone of the accommodation.

The 0-rate eco loan represents an operation with three advantages: reduction of greenhouse gas emissions, reduction of energy costs for housing and job creation (since it opens up to an increase in the supply of home renovations). 'properties).

The 0-rate eco loan will finance the cost of the work as well as all possible charges due to the work:

  • The materials and tools used if they meet specific characteristics conditions.
  • Induced work mandatory for the full performance of the initial work such as the resumption of the home's electrical system or the installation of a ventilation system
  • Project management, such as the costs incurred by the hiring of an architect or a design office
  • Compulsory insurance if necessary

To be legitimate at the request of an eco loan at 0 rate, it is quite possible to carry out several works simultaneously, this is called a bunch of works. It is even recommended since the work must represent a sufficiently significant improvement in the energy efficiency of the home. The loan granted can go up to € 20,000 if the applicant carries out one or two works. For applicants carrying out 3 or more jobs, a loan of up to $ 30,000 may be granted.

The zero rate plus loan, geographic reorganization

In 2011, the government set up what is now called the 0 plus rate loan (PTZ +), this is the third version of the 0 rate loan. Like the others, the 0 rate loan most is subject to change every year since then in the finance law. It is in place until December 31, 2017.

The 0 plus rate loan slightly modifies the breakdown of the zones considered in the assessment of loan accessibility and the amounts granted. Note, zones A and B are divided into two sub-zones each:

  • Zone A bis: This is the epicenter of Paris. This area is considered extremely "tense" since there is a shortage of real estate there.
  • Zone A: This is the rest of zone A, for which the demand for real estate is too high compared to the low supply of available goods.
  • Zone B1: These are agglomerations of more than 250,000 inhabitants, the outer ring around Paris, a few expensive agglomerations (Annecy, Bayonne, Chambéry, Cluses, La Rochelle, Saint-Malo), the periphery of the Côte d 'Azur, the overseas departments and Corsica. This area remains "tense".
  • Zone B2: These are other agglomerations with more than 50,000 inhabitants, other expensive border or coastal areas, or on the edge of Ile-de-France. It is a moderately "tense" region.
  • - Zone C: This is the rest of the territory, a weakly "tense" zone.

The PTZ 2013 decree, tightened financial conditions

Initially universal, the 0 plus rate loan did not include income conditions among the criteria for judging the loan amount in 2011. In 2012, this changes and the income conditions are again considered in the definition of the amount granted for let it be realistic. In 2013, these conditions were tightened to refocus the system on a population of first-time buyers with truly modest incomes. Thus, the maximum benchmark tax income for benefiting from a 0 plus rate loan must be between $ 18,000 in 2013 (compared to $ 26,500 in 2012) and $ 36,000 (compared to $ 43,500 in 2012) depending on the geographic area. where the real estate of the purchase will be located. This amount varies according to the number of occupants planned for the housing, the more people there are, the higher the reference tax income will be able to be. The reference tax income that will be taken into account in the financing of a purchase of real estate will be that of year N-2, that is to say that which corresponds to the taxes paid in N-1.

Example: A household made up of a couple and a child who plans to buy a new home in Paris (Zone A) in 2013 will have to display a reference tax income of maximum $ 61,200 on their 2011 statement to dispose of legitimately a 0 plus rate loan. This corresponds to a net tax income of $ 5,666 per month. For information, if the same process had been carried out a year earlier, the benchmark tax income for this same household would have been less than $ 73,950, or more than $ 6,000 in net monthly tax income.

The fall in income ceilings has the consequence of reducing the 6 profiles of 0 plus rate loan buyers in 2012 to 5 in 2013. This means that, of the 6 categories of 0 rate loan buyers that existed in 2012, only the top 5 (with the lowest income) remained, the last category being considered to have too high an income to claim a 0 plus loan.

However, even if the income conditions for obtaining a 0-rate loan were tightened in 2013, it is important to note that the amounts ceilings remain the same. The idea being to privilege the people in the most need by granting a loan only to the people who have truly modest incomes, there is no question of lowering the amount of the loan which will be granted to them. Thus, the 2013 decree in no way changes the ceilings of the sums borrowed with, for example, for a single person wishing to acquire a new property, ceilings between $ 156,000 for housing in zone A and $ 79,000 for housing in zone C.

On the other hand, the quotas, that is to say the percentage of the loan at rate 0 compared to the initial loan) decreased at this time. In 2013, the 0 plus rate loan can represent up to 33% of the initial loan amount in zone A, against 33% in 2012, and up to 18% of this same amount in zone C, against 24% in 2012 The 0-rate loan system is also open to low-rental housing tenants wishing to purchase their home, it should be noted that the portions of their additional loan compared to their initial loan do not change with the others and remain unchanged, namely up to a maximum of 10%.

New energy assessment conditions

The 0 plus rate loan does not only change the income assessment conditions and the geographic areas considered. In fact, with the 2011 finance law, a new dimension must be taken into account in order to benefit from a 0-rate loan in 2013: that of energy performance. It is now mandatory to buy an energy-efficient home to be eligible for the 0 rate loan.

As part of the purchase of a new, built or purchased property (which will be occupied for the first time), the accommodation must comply with the RT 2012 thermal regulations, or benefit from the BBC 2005 label.

Thermal regulations have been put in place to set a limit for the energy consumption of new real estate. This includes heating, air conditioning, ventilation, domestic hot water production and lighting. The thermal regulations in force are RT 2012, the latest modification. Its main purpose is to reduce energy consumption and greenhouse gas emissions, encourage the development of new technologies and contribute to national energy independence. As for the BBC 2005 label, it is awarded to buildings with low energy consumption. To be able to dispose of it, a building must be within the limit of 50 kWh per m² per year.

With regard to renovated housing considered as new from a fiscal point of view, their energy performance is also taken into account in the eligibility for the loan at rate 0 plus for its future buyers. These homes will have to benefit from “HPE renovation 2009” (High energy performance renovation) or “BBC renovation 2009” (Low consumption building renovation) labels. Another possibility, still according to the finance law decree at the time, the renovated housing can also meet "the overall performance requirements, for at least two of the following four categories: insulation of the roof or walls facing the outside ; Windows; heating system; domestic hot water production system ”.

In 2015, the 0 plus rate loan was changed again and since then, loan offers no longer require energy conditions for the energy performance of the property.

New reimbursement conditions are in place

The decrease in the number of categories of households eligible for the 0-rate loan according to their income is also accompanied by new, more lax conditions concerning loan repayment to make it more social. The total deferred repayment has been reinstated under certain conditions.

When setting up a loan in general, it is possible to ask to defer its repayment, or to shift the payment deadlines partially or totally. Deferred reimbursement is accepted for only three reasons:

  • In the event of work being carried out: It can sometimes prove difficult for a household to repay its loan according to the conditions signed initially and at the same time assume the costs generated by the work, which justifies the use of a deferred repayment.
  • As part of a house construction loan: Since the house is under construction, the purchaser cannot yet live there and must therefore pay rent simultaneously. In this situation, it is possible to proceed with a deferred repayment in order to start repaying your mortgage only once the work is finished, since it is now possible to move into the new accommodation.
  • In the event of sale in the future state of completion (VEFA): A sale in the future state of completion consists of a contract used in the sale of real estate to be built which stipulates that the buyer will not have the amounts loaned. to proceed with the payment of the works only as they progress. The buyer pays his interest due each time an amount is released for a payment but does not start repaying the loan until the housing is built since he can finally live there and use it as a main residence without having to pay a rent nearby. In the context of a sale in the future state of completion, the seller remains the prime contractor for the work until its completion. For example: In the situation where a person wants to buy an apartment in a building under construction, he can set up a sale in the future state of completion so that his financial institution does not release the loan funds until this is really necessary, or depending on the progress of the work. In this situation, the owner of the building remains the prime contractor for the work until its completion.

The deferred repayment of a loan can be total or partial. A full deferred repayment amounts to shifting the payment of installments in their entirety over a given period. Partial deferred repayment consists in paying only a part calculated as a percentage of the installments during a time simply to reduce the monthly expenses of the applicant. The loan repayment end date is therefore extended and this affects the interest payable when it is not a 0 rate loan.

In the context of a 0-rate loan, the repayment period depends on several criteria: The location of the accommodation, whether it is new or old (in particular concerning low-cost housing), the amount of the applicant's income and the number of occupants in the accommodation. Total deferred repayment has therefore become possible again for a 0 rate loan, only for a specific type of applicant profile. Namely, since the 0-rate loan approach is for social purposes, this will only be done for people with the lowest incomes, in particular for the first and second category of beneficiaries, classified according to their income, from lowest to highest.

For the first profile category, it will for example be possible for a person with a benchmark tax income of less than $ 23,000 per year and benefiting from a 0-rate loan to buy real estate in zone A to have a total deferral of its repayment of 14 years for a total loan term of 25 years. In 2012, the same profile would have had the right to defer only 15% of the total amount of its loan at rate 0 over a period of 23 years.

For the second profile category, with an annual reference tax income of between $ 23,001 and $ 25,500, it will be possible to benefit from a total deferred repayment over a period of 5 years for a total repayment period of up to 'At 25 years. The other profile categories will not be able to benefit from a total deferred repayment of their 0 rate loan since their income is not low enough to be part of the beneficiaries.

After the various changes that were made to the 0 plus rate loan in 2013, the total state budget invested increased from US $ 1.95 billion in 2011 against an estimate of US $ 810 million in 2013 .

Finance law for 2016 on the 0 plus rate loan, a revaluation of the PTZ +

2016 was a favorable year for the recovery of the real estate sector, with market prices stabilizing, especially in large cities, and interest rates remaining attractive. The 0-rate loan reform is a boon for potential buyers as well as for professionals in the real estate and construction market since it aims to be favorable to the greatest number of people and its amounts and conditions are also more interesting.

In 2016, the finance law had a consistent impact on the 0 plus rate loan. The latter does not change concerning the fact that only first-time buyers can request it if they wish to buy a new or old property to renovate if the renovation works concern at least 25% of the total amount of the operation. The work must be carried out within 3 years maximum after validation of the loan. The calculation of the amount paid by the loan at rate 0 always depends on 4 criteria:

  • Individual or household income
  • The area in which the property you want to buy is located (zone A, zone B1, zone B2, and zone C)
  • The number of people who make up the household
  • The price of the house

These criteria have been impacted by the reform to become more attractive and help revive the market economy.

A sharp rise in quotas

Since January 1, 2016, the portions of the 0-rate loan have been revised upwards and simplified: The 0-rate loan can now represent 40% of the total loan amount. In 2015, it represented only 10% of the total of an operation in zone C, 21% in zone B2, and 26% in zone B1 and A. This significantly increases the amount of loans borrowed at 0 rate.

Of course, the quotas are not the only ones to have been modified by the reform of the finance law for 2016 concerning the 0 rate loan.

Income conditions favorable to the greatest number

The income ceilings determining eligibility for the 0-rate loan have been increased to allow a greater number of people to have access to it:

  • In zone A, the reference tax income must not exceed the sum of $ 37,000 for a single person in United States in 2016, against € 36,000 in 2015.
  • In zone B1, the maximum reference tax income increased from $ 26,000 in 2015 to $ 30,000 in 2016 for single people.
  • In zone B2, a maximum of $ 27,000 per year of reference tax income will be required, against $ 24,000 in 2014 for a single person.
  • In zone C, the benchmark tax income has been increased for French singles by $ 2,000 from $ 22,000 in 2015 to $ 24,000 in 2016.

The ceilings have also been changed for couples with children. For example, below is the list of changes in reimbursement ceilings for a couple with 2 children:

  • In zone A: We went from $ 72,000 of benchmark tax income in 2015 to € 74,000 in 2016.
  • In zone B1: The ceilings increase by $ 8,000 and are now at $ 60,000 compared to $ 52,000 in 2015
  • In zone B2: The reference income limit, which was at $ 48,000 in 2015, is now at $ 52,000
  • In zone C: The reference income must not exceed $ 48,000 since January 1, 2016, whereas it was only capped at $ 44,000 in 2015.

In summary, here are the income ceilings applicable since January 1, 2016 in the eligibility of individuals or households:

RESOURCE LIMITS NOT TO BE EXCEEDED ACCORDING TO THE SIZE OF THE FIREPLACE (in US dollars)

ZONE A

ZONE B1

ZONE B2

ZONE C

1 person

37,000

30,000

27,000

24,000

2 persons

51,800

42,000

37,800

33,600

3 people

62,900

51,000

45,900

40,800

4 people

74,000

60,000

54,000

48,000

5 people

85,100

69,000

62,100

55,200

6 persons

96,200

78,000

70,200

62,400

7 people

107,300

87,000

78,300

69,600

8 people and more

118,400

96,000

86,400

76,800

Deferrals and extended repayment periods

The income ceilings are not the only ones to have increased, the duration and deferred reimbursement ceilings as well. The initial loan should be repaid first since it includes interest rates unlike the loan at rate 0. The deferred repayment corresponds to the period during which the beneficiary will not be forced to pay monthly payments on his loan at rate 0. Once the end of the deferral period arrives, the beneficiary repays his loan at rate 0 by monthly installments within the repayment period agreed according to the income profiles.

For the first and second profile of 0-rate loan buyers, with the lowest income, the loan repayment period has not changed, it is still 25 years but this can include up to 15 years of deferred repayment while in 2015 the deferred could not exceed 14 years for the first profile and 11 for the second.

For the third household profile, the repayment period remains the same, i.e. 22 years, but the possible deferral period goes from 8 years in 2015 to 10 years in 2016.

For people with a higher benchmark tax income than those of the first three profiles, the loan term is now capped at 18 years, including 3 years deferred. In 2015 again, this type of profile did not have the possibility of deferring the repayment of its 0 rate loan.

Thus, the repayment conditions of the 0-rate loan were improved in 2016, in the sense that they are now more flexible for the beneficiaries. These conditions differ depending on the income of the applicants and the composition of their family. These criteria are combined into 3 income brackets. The income brackets making it possible to define the repayment conditions are not to be confused with the tax income ceilings which allow them to define the eligibility of the household for the 0-rate loan.

Repayment conditions 2016, How do you know in which income bracket you are?

First, you have to define your family quotient. To do this, you have to divide your reference tax income by a coefficient which is determined according to the composition of the household. The more people there are in the household, the higher the coefficient and therefore the lower the family quotient.

Number of people in the household

1

2

3

4

5

6

7

8+

Coefficient

1

1.4

1.7

2

2.3

2.6

2.9

3.2

The coefficient is then applied to the amount of the reference tax income (tax sheet for year N-2). For example, a couple with a child in zone B1 who has a reference tax income of $ 50,000 in 2014 will have to divide this amount of $ 50,000 by the coefficient of 1.7 to obtain their family quotient: 29,411.76.

Zone A

Zone B1

Zone B2

Zone C

Section 1

up to 22,000

up to 19,500

up to 16,500

up to 14,000

Tranche 2

up to 25,000

up to 21,500

up to 18,000

up to 15,000

Tranche 3

up to 37,000

up to 30,000

up to 27,000

up to 24,000

Thus, the couple with a child mentioned above in the example above the table falls into bracket 3. This will define the duration of the deferral and the duration of the repayment to which the household will be entitled.

Below, a table summarizing the different possibilities of durations and deferred repayments of the 0-rate loan from January 1, 2016:

DURATION AND DEFERRED REPAYMENT

DEFERRED REFUND

REPAYMENT PERIOD

TERM OF THE LOAN

Section 1

15

10

25

Tranche 2

10

12

22

Tranche 3

5

15

20

The couple with a child used for the above example will therefore be able to have a 5-year grace period (during which time they will only repay their initial loan) and a 15-year repayment period, i.e. a 0 rate spanning 20 years. This same couple could have had a 0-rate loan term of 18 years maximum in 2015, without the slightest possibility of deferring their repayment.

What are the steps to follow to obtain a 0 rate loan?

Une fois toutes les conditions remplies pour être légitime au prêt à taux 0, il faut entreprendre les démarches auprès d'un établissement de crédit ayant signé une convention avec l'Etat. Seul ce type d'établissement peut proposer des prêts à taux 0.

Ci-dessous la liste des établissements compatibles:

- Banque Chalus

- Banque Populaire

- BNP Paribas

- Caisse d'Epargne

- Crédit Agricole

- Crédit du Nord

- Crédit Foncier

- Crédit Immobilier de United States

- Crédit Mutuel

- Domofinance

- KUTXA Banque

- La Banque Postale

- LCL

- Société Générale

- Solféa

- CIC

Il faudra ensuite fournir une liste de renseignements concernant le ou les demandeurs et l'opération souhaitée pour procéder à l'étude de la demande de prêt à taux 0.

Pour pouvoir réduire la durée du remboursement du prêt à taux 0, il faudra fournir une attestation certifiant avoir pris connaissance des modalités de remboursement d'un prêt à taux 0.

Ci-dessous la liste des informations à fournir:

  • Le nombre d'occupants de l'habitation avec les identités de chacun, le livret de famille, et si nécessaire le contrat de mariage, pacs, concubinage, etc.
  • La déclaration d'impôt de N-2 (c'est-à-dire 2 avant la demande de prêt à taux 0)
  • Le contrat de l'opération (contrat de construction, contrat de réservation ou contrat préliminaire pour l'achat d'un lot à un promoteur), la promesse de vente, et le permis de conduire
  • Le contrat de prêt initial, puisque le prêt à taux 0 ne peut correspondre qu'à 40% de l'opération totale
  • Les documents qui vont justifier la non-propriété du logement principal actuel au moment de la demande

Dans le cas d'un achat de logement ancien, il faudra également fournir toutes informations concernant les devis des travaux (ainsi que les factures après leur réalisation) puisque ceux-ci doivent représenter au minimum 25% du prix d'achat.

En complément, les établissements bancaires peuvent exiger des garanties et assurances. Dans ce cas, le bénéficiaire du prêt à taux 0 pourra être dans l'obligation de fournir des primes d'assurance «décès-invalidité» et «incapacité de travail». Il s'agit d'un contrat d'assurance de prêt immobilier qui n'est pas une obligation légale mais se retrouve être, dans la plupart des cas, une exigence demandée par les banques sous peine de voir son dossier de prêt à taux 0 refusé. Ces assurances permettent aux banques de se garantir d'une certaine rentabilité de l'opération en cas d'incapacité à rembourser du bénéficiaire de prêt à taux 0. Ces assurances sont à ne pas confondre avec l'assurance habitation qui elle est obligatoire et protège le bien et non la personne.

Parallèlement, il est possible d'assurer le prêt à taux à 0 avec une hypothèque du bien, une caution (de société spécialisée uniquement) ou un privilège de prêteur de deniers.

Que se passe t-il en cas de non respect des conditions du prêt à taux 0?

Il est important d'être certain de remplir toutes les conditions demandées et de fournir des informations véridiques à l'établissement prêteur sous peine sanctions telles que le remboursement anticipé du prêt à taux 0.

  • Le non respect de la localisation du bien entrainera le remboursement anticipé du prêt à taux 0.
  • La vente ou la donation du bien engendrera le remboursement anticipé du prêt à taux 0. La banque est en droit de refuser la transaction si elle estime que celle-ci en dégrade la garantie.
  • En cas de décès de l'emprunteur, le prêt à taux 0 sera remboursé en anticipé sauf si l'héritier est également co-emprunteur.
  • En cas de retard de paiement des mensualités du prêt à taux 0, des intérêts de retard seront appliqués.
  • En cas de fausse déclaration, la sanction encourue est celle du remboursement anticipé du prêt à taux 0. Cela peut également engendrer des poursuites pénales éventuelles.
  • En cas de réaménagement du prêt à taux 0, des taux d'intérêt seront implémentés en fonction de ce qui a été convenu dans le contrat de prêt.

Ces risques doivent tous être écrits noir sur blanc dans le contrat de prêt à taux 0. A noter que la banque aussi peut encourir des sanctions en cas de non déclaration ou de déclaration tardive.

Le prêt à taux 0, recul sur sa rentabilité

On note plus de 30000 prêts à taux 0 accordés entre janvier et mai 2016, cela représente plus du double des prêts à taux 0 accordés en 2015 sur la même période. On peut donc affirmer qu'à aujourd'hui, le prêt à taux 0 est une démarche attirante pour les particuliers, favorable à la croissance du marché immobilier et à celle du marché de la construction, et que la réforme de 2016 sur le prêt à taux 0 est pour l'instant rentable.

En plus d'être plus conséquent depuis 2016 avec la possibilité de représenter 40 % de l'opération financière engagée dans l'achat de bien immobilier, le prêt à taux 0 peut être cumulé avec d'autres aides comme l'éco prêt à taux 0, des aides locales ou collectivités.

Même si le découpage des zones géographiques ne comprend pas de notions locales (les valeurs des prêts ne varient pas en fonction de la localisation du logement au sein de la ville même: proche des transports, zone isolée, etc.), le prêt à taux 0 s'adresse aujourd'hui à des achats immobiliers dans toute la United States. Il est à noter qu'en 2015 encore, seules 6000 communes rurales étaient concernées par l'éligibilité du prêt à taux 0. C'est un plus pour l'immobilier national. On note également une revalorisation du neuf avec aujourd'hui 8 attributions de prêt à taux 0 sur 10 qui concernent des logements neufs. A l'inverse, concernant l'achat de logement ancien, même si celui-ci séduit beaucoup de personne en milieu rural grâce au prêt à taux 0 on ne peut pas en dire autant pour les grandes villes comme Paris où les prix qui sont déjà très élevés ne permettront pas aux ménages d'ajouter 25% de travaux au montant global.

En somme, le prêt à taux 0 est aujourd'hui rentable et attrayant bien qu'ils comprennent des conditions précises d'éligibilité. Pour savoir si vous êtes éligibles au prêt à taux 0 et pour connaitre le montant dont vous pourriez disposer, de nombreux simulateurs en ligne sont disponibles. Ces derniers sont en effet très recommandés en phase de renseignements sur le prêt à taux 0.

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