Online simulation How it works Borrower's Guide Financial calculators Our agencies Our partners Home savings Buy with a PAS 1% housing loans Paris housing loans Zero interest loans Surety or mortgage? Invest. Rental Old Invest. Rental Old Invest. New rental THE PARIS HOUSING LOAN 0% BECOME AN OWNER ENJOYING THE SUPPORT OF THE CITY OF PARIS WHAT ARE THE CONDITIONS IN 2011? The 0% Paris Housing Loan is intended for Parisians who buy housing in Paris . The Residential Career Loan is offered to Parisians who are tenants of the social housing stock who buy accommodation in Paris . WHAT ARE THE CONCERNED OPERATIONS? The 0% Paris Housing Loan and the Residential Path Loan can finance the acquisition of new or old housing, with or without work . However, conditions are required: the accommodation is located in Paris "intra muros" the purchaser must establish his principal residence there in the year of his purchase. WHO ARE THE BENEFICIARIES OF THE 0% PARIS HOUSING LOAN? To claim this assistance, the borrower or co-borrower must justify at the time of the loan offer, one year of main residence in Paris. However, certain categories of persons acquiring in Paris can also benefit from it without any condition of residence in Paris (prior to the acquisition) being required: agents of the City of Paris , the Department of Paris and the Center d'Action Sociale of the City of Paris police officers from the Prefecture of Police, Paris firefighters , AP-HP nursing staff buyers of housing suitable for the home of a person with a physical disability the beneficiaries of the increase in the zero rate loan from the State as part of a social home ownership operation in the new district. In all cases, two other conditions are necessary: not own their main residence during the year of the operation, nor have they owned it during the two preceding years. respect a resource ceiling , established on the basis of the reference tax income of the penultimate year or the last year preceding the loan offer if it is available. WHO ARE THE BENEFICIARIES OF THE RESIDENTIAL ROUTE LOAN? All tenants of social housing are eligible for this loan. It is exclusive of the 0% PPL. WHAT ARE THE RESOURCE LIMITS TO CLAIM TO THE PPL OR PPR? Nombre de personnes du ménage Revenu fiscal de référence* 1 34.049 € 2 48.038 € 3 62.272 € 4 75.182 € 5 et plus 89.450 € *Conditions 2011 Prise en compte du revenu fiscal de référence N-2 ou N-1 (s’il est disponible et plus favorable) QUEL EST LE MONTANT DU PRET ? Le montant du PPL est de: 24 200 € pour une personne seule, sans personne à charge 39 600 € dans toutes les autres situations. Le montant du PPR est de: 27.500 € pour une personne seule 45.000 € pour un ménage de 2 personnes, 60.000 € pour un couple avec 1 enfant, 70.000 € pour un couple avec 2 enfants, 80.000 € pour un couple avec 3 enfants ou plus Ces montants sont identiques pour tout type d’opération, dans le neuf ou dans l’ancien, avec ou sans travaux. Le Prêt à Taux Zéro de l'Etat (PTZ+) peut se cumuler avec le Prêt Paris Logement 0% ou le Prêt Parcours Résidentiel. Majoration de 50% du PPL et du PPR : Jusqu’au 31 mars 2011 : PPL : pour toute offre de prêt, le montant du prêt est porté à : 36.300 € pour une personne seule, sans personne à charge ; 59.400 € dans toutes les autres situations. PPR : pour toute offre de prêt, le montant du prêt est porté à : 36.300 € pour une personne seule, 59.400 € pour un ménage de 2 personnes, Montant inchangé pour les autres ménages. From 1 st April 2011: The increase in the PPL and PPR is granted only if the need household debt is at least 50% of housing prices. Loan need = total cost of the operation - personal contribution - basic PPL or PPR Contact an advisor at: 01 44 64 80 80 © GCF - 01 44 64 80 80 | Contact | Legal notices | recommend this site to a friend