The different types of real estate loans supervised by the State possible to become an owner

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.

Real estate loans supervised by the State

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 ).

The zero rate loan (PTZ)

An interest-free loan that sometimes makes it easier to complete an operation.

For who ?

It is reserved for individuals buying their main residence and not having been an owner for at least 2 years (with the exception of individuals transferred for professional reasons).
There are also income constraints for the borrowing household. Taxable income must not exceed a ceiling which is determined according to the number of people in the family and the place of purchase (the Paris region is different from the rest of France).
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.

Why ?

The property purchased may be a new home or under construction. For the former it is necessary in this case that the property conforms to the standards of surface and habitability.

How ?

20% maximum of the total amount of the operation, and 50% maximum of the total loans subscribed

In how many months?

The number of repayments is based on income: the lower the income, the longer the repayment can take.

Here are the maximum amounts you can borrow with the 0 Rate Loan.

For new housing:

**Maximum amount loaned (new housing)**
Number of persons	Place of residence (future accommodation)
Number of persons	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.

For old accommodation:

**Maximum amount loaned (old housing)**
Number of persons	Place of residence (future accommodation)
Number of persons	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.

The Agreement Loan (PC)

For who ?

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).

Why ?

New or old housing, improvement works.

How ?

The approved loan can reach 90% of the amount of your acquisition.

In how many months?

For a real estate purchase of 10 to 25 years.

The Social Accession Loan (PAS)

For who ?

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 .

How ?

minimum 4000 us dollars.

In how many years?

5 to 25 years old.

For old accommodation:

**Maximum amount loaned (old housing)**
Number of persons	Place of residence (future accommodation)
Number of persons	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.