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| Wednesday 03 February 2010 |
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Interest loan doubled last moments to enjoy
After a year of faithful service under the economic stimulus plan agreed by President N.Sarkozy, the time of doubled interest loan seems to be about to end: if the Finance Act 2010 extended the device in the state until June 30, 2010, we must know that from 1 July 2010, the surcharge will be reduced to 50% of the base amount. The PTZ can therefore more than € 48,750, while doubling as a reminder of PTZ for buyers of new homes is limited to date to € 65,100.
Do not worry, you still have until June 30, 2010 to subscribe to free loans doubled in the manner detailed below.
The zero-interest loan with a double in the ninth
1 - Maximum income to qualify for the device
There is no change in conditions of maximum income to qualify for the PTZ. The previously known conditions still apply.
Ceilings of Revenue Tax Reference
Sleeps
Zone A
Zones B or C
1
€ 31,250
€ 23,688
2
€ 43,750
€ 31,588
3
€ 50,000
€ 36,538
4
€ 56,875
€ 40,488
5 +
€ 64,875
€ 44,425
2 - Amount of credit to zero
The amount of credit granted is determined by the smallest of the following two thresholds:
* For Accommodation Used:
No 30% of transaction amount (increased to 40% in urban areas in sensitive urban zones)
o 100% of other loans (over 2 years) funding the same operation.
* For a Former Housing (no change from the previous device)
o 20% of transaction amount (increased to 30% in urban areas or in sensitive urban zones),
o 50% of other loans (over 2 years) funding the same operation.
The transaction amount accepted is itself capped by the number of people, geographic area, and length of the housing. At the former, there is no change. At the Nine, the amounts were increased by 33% in Area A, Area B 50% and 25% in Area C.
Maximum amount withheld for the operation
Number
people
New housing
Former Housing
Zone A
Zone B
Zone C
Zone A
Zone B
Zone C
1
€ 107,000
€ 88,000
€ 69,000
€ 72,000
€ 44,000
€ 41,250
2
€ 150,000
€ 126,500
€ 103,000
€ 101,250
€ 66,000
€ 61,875
3
€ 167,000
€ 143,000
€ 119,000
€ 112,500
€ 76,000
€ 71,250
4
€ 183,500
€ 159,000
€ 134,500
€ 123,750
€ 86,000
€ 80,625
5
€ 200,500
€ 175,500
€ 150,000
€ 135,000
€ 96,000
€ 90,000
6 or more
€ 217,000
€ 191,500
€ 165,500
€ 146,250
€ 106,000
€ 99,375
3 - terms of repayments
Refunds are always defined in terms of income. For the former, the following table is valid:
Terms of repayment to income (Former Housing)
Income
Deferred Share
Time Period 1
(Delayed total or partial refund)
Time period 2
(Repayment of the balance)
Less than € 15,801
100%
18
4 years
From € 15,801 to € 19,750
75%
18
3 years
From € 19,751 to € 23,688
50%
15
2 years
From € 23,689 to € 31,588
-
-
8 years
Over € 31,588
-
-
6 years
In contrast, longer repayment periods have been defined for the acquisition of New Construction in Zone A:
Terms of repayment to income (New Construction in Zone A)
Income
Deferred Share
Time Period 1
(Delayed total or partial refund)
Time period 2
(Repayment of the balance)
Less than € 23 689
100%
18
8 years
From € 23,689 to € 43,750
50%
15
4 years
Over € 43,751
-
-
12
Thus in Zone B or C:
Terms of repayment to income (New Construction in Zone B or C)
Income
Deferred Share
Time Period 1
(Delayed total or partial refund)
Time period 2
(Repayment of the balance)
Less than € 15,801
100%
18
8 years
From € 15,801 to € 19,750
75%
18
6 years
From € 19,751 to € 23,688
50%
15
4 years
From € 23,689 to € 31,588
-
-
12
Over € 31,588
-
-
9 years
4 - Increase the amount of the loan rate to zero
The zero-interest loan may qualify for a bonus:
* 50% in sensitive urban zones (ZUS) and in urban zones (ZFU) referred to in Article 42 of Law No. 95-115 of 4 February 1995 guidelines for the management and development of territory.
* Operations for social home ownership of a new home or assisted by several local authorities or by a group of local authorities on the location of housing. This provision was introduced by the Law on National Commitment to Housing (ENL).
* As of 1 December 2009 for the construction or acquisition of new properties or the future state of completion, to BBC standards in 2005.
View the details of the loan increases to zero.
In all three cases, the repayment periods are furnished (only nine) compared to the standard situation.
Area A:
Refund (New Construction with increase ENL, ZFU / ZUS or BBC) in Zone A
Income
Deferred Share
Time Period 1
(Delayed total or partial refund)
Time period 2
(Repayment of the balance)
Less than € 23,689
100%
18
12
From € 23,689 to € 43,750
50%
15
6 years
Over € 43,751
-
-
16
And in Zone B or C:
Refund (New Construction with increase ENL, ZFU / ZUS or BBC) in Zone B or C
Income
Deferred Share
Time Period 1
(Delayed total or partial refund)
Time period 2
(Repayment of the balance)
Less than € 15,801
100%
18
12
From € 15,801 to € 19,750
75%
18
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