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Purchasing an older property in La Flotte, particularly in zones B2 and C, is an opportunity not to be missed. This purchase can be supported by various financing options, including the Zero-Interest Loan (PTZ). The latter proves especially advantageous for renovation projects.
The Zero-Interest Loan (PTZ)
The PTZ (Zero-Interest Loan) allows buyers to benefit from interest-free financing for the purchase of an older property requiring renovation, provided that the renovation work represents at least 25% of the total project cost. This scheme has been extended until 2027, with significant improvements: income ceilings have been raised and the eligible portion has increased from 40% to 50%. This change allows for the inclusion of a substantial amount of renovation work when applying for the loan. The buyer will thus be able to finance up to 50% of the project at a 0% interest rate. Furthermore, some banks now offer to double the PTZ amount, adding an additional €20,000 to the financing package.’buying a house in La Flotte.
A reduced monthly payment thanks to the renovations
One of the main advantages of these loans is that they have very little impact on monthly mortgage payments. While the housing market remains tight with high prices, properties rated F or G, often less sought after, offer significant room for negotiation.
Simplification of the MaPrimeRénov' scheme’
The government has also taken steps to encourage energy-efficient renovations, notably by simplifying the MaPrimeRénov' scheme. This grant is designed to support homeowners in their renovation projects. By including renovation work in the overall financing, buyers can achieve significant savings while improving the energy efficiency of their future home.
The eco-PTZ
The eco-PTZ loan is specifically designed to finance energy renovation work up to €50,000, depending on the scope of the work undertaken. Accessible without income restrictions, it does, however, require energy savings of at least 35% to qualify for the maximum loan amount.
