0800 734 734 Free service & call BE CALLED BACK PERSONAL SPACE BECOME OWNER INVEST IN REAL ESTATE FINANCING YOUR ACCOMMODATION PREVIEWS IN LAUNCH SPECIAL OFFERS EIFFAGE IMMOBILIER Back to Home Financing your accommodation A - A + YOUR PROJECT Home loan calculator The zero rate loan DISCOVER THE MECHANISMS TO FINANCE YOUR REAL ESTATE PROJECT AND SIMULATE YOUR LOAN To finance your new home, you can benefit from the various assistance systems. Some are means tested. Find out which ones you can benefit from in your financial package in order to make an optimal real estate investment. The zero rate loan (PTZ) It is reserved for first-time buyers, ie buyers who have not been owners during the two preceding years. This is an additional loan to the main loan taken out with your bank, on which you do not pay interest. The repayment term of the zero rate loan can range from 8 to 25 years. It depends on your tax income: the lower it is, the longer the period granted can be. The zero rate loan is subject to a resource limit. To benefit from it, your income for the reference fiscal year N-2 may not exceed the higher of the following two ceilings: either one tenth of the total cost of your accommodation, or a ceiling defined according to the composition of the household and the geographical location of the property concerned. The amount of the loan granted in PTZ + therefore depends on your resources as well as the number of people in your household, the geographical area of the property and its energy performance. The amount of the loan granted will be all the greater as the size of the household is large, the geographic area of the property is urban and its energy performance is high. Find out about the benefits and conditions of the Zero Plus Loan . The loan agreement It is accessible without means conditions from a bank approved by the State. It opens the right to Personalized Housing Assistance but may be associated with a higher interest rate than that of a traditional home loan. The social home loan (PAS) Il sert à financer un logement principal. Il est soumis à un plafond de ressources et ouvre également le droit à l’Aide Personnalisée aux Logement. Le prêt 1% logement Il sert également à financer un logement principal. Il vous est accordé par votre employeur sans conditions de ressources. Le montant est limité, mais vous bénéficierez de taux très avantageux. Le prêt épargne-logement Il est accordé aux titulaires d’un Plan Epargne Logement (PEL) ou d’un Compte épargne logement (CEL). Son montant plafonné dépend de la durée et du montant de la phase d’épargne. Il est plafonné à 92 000€. Le prêt-relais C’est un prêt intermédiaire qui vous permet de financer un logement avant même d’avoir revendu l’ancien. Il est accordé la plupart du temps sur une durée de deux ans maximum. To go further: discover our real estate financing and tax exemption simulators Calculate your purchasing power: mortgage simulator and PTZ + Rental investment: real estate tax exemption simulator Pinel / LMNP law Need advice? Contact us! 0800 734 734 Free service & call BE CALLED BACK Your new home to live in Find your primary residence Invest in new real estate Find a rental investment Featured real estate program Blagnac (31) - TREND 80 Route de Grenade 31700 Blagnac Discover © Eiffage Immobilier 2016 Sitemap Terms of Service Contact Eiffage Group Eiffage Construction Eiffage Development Eiffage Immobilier Corporate Partners area Eiffage Immobilier est un promoteur et un constructeur de logements neufs. Le cœur de notre métier est de vous proposer sur tout le territoire national une gamme complète de produits immobiliers. Que cela soit de la vente de logements neufs, d’appartements pour habiter ou même des appartements pour investir, Eiffage immobilier vous accompagne dans votre démarche d’achat ou d’investissement. Au-delà des appartements traditionnels, Eiffage Immobilier vous propose des résidences services, des logements pour le tourisme, les affaires ou les étudiants, idéal pour vos investissements locatifs. Programmes immobiliers en Île-de-France | Programmes immobiliers en Rhône-Alpes | Programmes immobiliers en Provence-Alpes-Côte d'Azur | Programmes immobiliers en Aquitaine | Programmes immobiliers en Pays de la Loire | Programmes immobiliers en Midi-Pyrénées | Programmes immobiliers en Languedoc-Roussillon | Programmes immobiliers en Lorraine | Programmes immobiliers en Franche Comté | Programmes immobiliers en Nord-Pas-de-Calais |Programmes immobiliers en Normandie | Programmes immobiliers en Picardie | Real estate programs in Auvergne | Real estate programs in Burgundy ✖ By continuing to browse this site, you accept the use of cookies in order to compile audience statistics and to offer you services and an offer tailored to your areas of interest. Find out more