To carry out your real estate transaction, you will certainly have to negotiate several loans in different organizations . It is this "stacking" of different loans that can allow you to carry out a good transaction at the best rate. There are several kinds of mortgage loans for individuals. Mortgage loans can be classified according to the regulations to which they are subject.
The conditions for granting these loans depend on your situation, the price per square meter, the surface area and the operation you are considering (purchase of a new or old house or accommodation, construction of a house, expansion of your accommodation ).
An interest-free loan that sometimes makes it easier to complete an operation.
Here are the maximum amounts you can borrow with the 0 Rate Loan.
Number of persons | Place of residence (future accommodation) | |
Zone A | Zone B or C | |
1 | $ 16,000 | $ 11,000 |
2 | $ 22,500 | $ 16,500 |
3 | $ 25,000 | $ 19,000 |
4 | $ 27,500 | $ 21,500 |
5 | $ 30,000 | $ 24,000 |
6 and + | $ 32,500 | $ 26,500 |
Zone A : large Parisian agglomeration, Côte d'Azur, French Genevois. Zone B : Ile-de-France outside zone A, an agglomeration of more than 50,000 inhabitants, some border or coastal sectors. Zone C : the rest of French territory. |
Number of persons | Place of residence (future accommodation) | |
Zone A | Zone B or C | |
1 | $ 14,400 | $ 8,250 |
2 | $ 20,250 | $ 12,375 |
3 | $ 22,500 | $ 14,250 |
4 | $ 24,750 | $ 16,125 |
5 | $ 27,000 | $ 18,000 |
6 and + | $ 29,250 | $ 19,875 |
Zone A : large Parisian agglomeration, Côte d'Azur, French Genevois. Zone B : Ile-de-France outside zone A, an agglomeration of more than 50,000 inhabitants, some border or coastal sectors. Zone C : the rest of French territory. |
Intended for individuals wishing to buy a home with the aim of making it their main residence . You must have a personal contribution representing at least 10% of the amount of the purchase: for example for an apartment of 250,000 us dollars, you must have a contribution of 25,000 us dollars.
No constraints on household resources, but the accommodation you wish to acquire must correspond to standards of surface area and price per square meter (different depending on the region).
The approved loan, offered by banks, is at a fixed or revisable rate, but it is regulated by the State (the rates are capped). The pricing conditions for taking out a mortgage are advantageous. The administrative fees are capped.
Note: this loan is compatible with Personalized Housing Assistance (APL).
For individuals wishing to buy a home with the aim of making it their main residence . To benefit from it you must not exceed certain conditions of different resources depending on the future place of residence. Table of the resource limit to obtain a PAS loan, that is to say the annual amount of your household income not to be exceeded .
minimum 4000 us dollars.
5 to 25 years old.
Number of persons | Place of residence (future accommodation) | |
Zone A | Zone B or C | |
1 | $ 19,005 | $ 15,183 |
2 | $ 27,895 | $ 22,205 |
3 | $ 33,500 | $ 26,705 |
4 | $ 33,118 | $ 31,119 |
5 | $ 44,751 | $ 35,713 |
per person in + | + $ 5623 | + $ 4,498 |
Zone A : large Parisian agglomeration, Côte d'Azur, French Genevois. Zone B : Ile-de-France outside zone A, an agglomeration of more than 50,000 inhabitants, some border or coastal sectors. Zone C : the rest of French territory. |
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