2023-10-08 06:01:00
The Minister of the Economy Bruno Le Maire announced this Saturday, October 7 that the scale in place and the income ceiling to benefit from it would be reviewed “in the coming weeks”. According to him, six million additional French people will thus be able to benefit from it.
The conditions of access to the zero-interest loan will be relaxed to allow six million additional people to benefit from it, Bruno Le Maire announced this Saturday, October 8, in an interview with the regional daily South West.
“Faced with the increase in interest rates, we will expand access to zero-rate loans (PTZ) by simplifying the scale and increasing the ceiling,” indicated the Minister of the Economy.
Facilitate financing for first-time buyers
Objective: to fight once morest the rise in interest rates, which is plunging the real estate sector into crisis. “This will be done in the coming weeks so that six million additional French people benefit,” he said.
The PTZ allows households, mainly first-time buyers, to limit the cost of financing their main residence in new buildings, and if they carry out work, in particular improving energy performance, in old buildings.
As its name suggests, the zero interest loan does not have any interest to repay. It complements another type of credit and can only represent a fraction of the total amount borrowed.
154 new municipalities in tense areas
In an interview given at the end of September to Parisianthe minister mentioned a revision of the scale to allow more “young households” to access it.
The income ceilings not to be exceeded to be eligible for this state-assisted loan depend on the municipality of the property purchased. These are classified with letters, from A to C, reflecting the more or less strong imbalance between supply and demand.
“In addition, 154 new municipalities will integrate tense areas”, therefore classified A, “and will therefore be eligible for intermediate housing and the new PTZ from 2024”, added Bruno Le Maire, specifying that this represented 4.5 million inhabitants .
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