The completion of a building is not an easy task, not to mention the pressure from the State shall submit all new construction to the standard BBCThe cost of construction is much more expensive than ordinaryTo solve these problems, the PTZ + was established to replace the PTZ, not the land and the deduction of loan interestIt is implemented since the beginning of 2011
PTZ +: What is he?
The PTZ + is a mortgage that does not require payment of loan interest and feesIt brings together the three previous devices ready and even brings improvements in this areaAll loan offers sent from the month of January 2011 can receive application of PTZ +
However, it can be applied to all the people who already own their primary residence the previous two yearsThe device is primarily intended to facilitate the access of households to middle and low income in a project of building construction that will be their main residenceThere is no cap resource allowing many families to buy their own home
Monthly payments are lower and easier access to loansThe PTZ + provides funding of up to 40% of the purchase or building construction, and at a zero rateThe importance of the value of this funding takes into account many facteurstels that:
- The geographic location of the property
- its energy performance
- its composition and equipment
In France, there are four geographical areasIn the first called "Area A" classified the megalopolis of Paris, the French and Genevan some areas of the Côte d'AzurIn the "Area B" are all conurbations with more than 250,000 inhabitants and all the major cities most expensive Corsican and overseas as well as cities with more than 50,000 inhabitants and municipalities expensive French coastOther locations not classified is categorized in the "Area C"
The importance of the value of loans follows the order of this classificationIt should be noted that the device is accessible only in credit institutions have agreed with the Government
Tips for choosing a home loan
To accomplish its real estate project, a person is often called upon to apply for a loan with a borrowing institutionHere are some tips to help get a good offer:
- Master all the concepts, the language and regulations in force relating to conduct negotiations with the borrowing agency - While demonstrating the body's ability to make a refund in deciding an important personal contribution
- Refer to preliminary list of existing loan deals
- Find the best deal is going around schools, or through a broker or resorting to Compare - Take into account not only the credit rate, but also TEG |
