A luent households are howe er subject to years

With PTZ , the new year starts rather well to the homebuyers. Because this loan zero generation addresses, unlike the ormer cu ée o all primo-homebuyers regardless o their le el o income, as they were not owners o their principal residence or at least two years (except i disability, disability, natural disaster). The loan inances the purchase o a new housing or ormer, lease assumption (PTZ plus in this case), the trans ormation o a local housing. rom June 1, 2011, it will und e en the purchase o the nue-propriété, the usu ruct o SCI shares or undi ided.

On the side o the loan amount, some changes were made. I he continues to ary the composition o the amily, the location, the type o purchase (new or old), he now bene it the purchase in areas where real estate prices are more strained (Paris region, regional cities...).

A premium or green housing

It also pro ides a premium strongly per orming units. In the nine labeled BBC (building low consumption) or example, the amount o the loan aries, depending on the region o 25 to 40 o a price ceiling while, or the purchase o a dwelling not BBC, rates are 15 to 27 (see table). In the ormer, the same mechanism applies, the more e icient housing (label A to D) being with a loan o 20 o a price ceiling (regardless o the geographic area), rates lowered to 10 or the underper orming units (E and ) and 5 or energy-intensi e (label G).

or repayment o the loan, it aries according to income, modest households bene iting rom the longest durations (up to 30 years with a partial de erred). A luent households are howe er subject to years). "This mechanism hinder the repayment capacity o the borrower or other loans entering the inancing plan, as the PTZ cannot be used alone in the inancing o housing," notes Philippe Saillard, Director o La Banque Postale credit supply. Indeed, i the borrower has a PTZ o 120,000 euros repayable o er i e years, its monthly will establish to 2,000 euros, which will prohibit him most o the time, because o debt su icient capacity, to complete its inancing plan.

"This is the reason why, with a PTZ or a period equal to or less than 8 years, the borrower may choose to reduce the amount o the loan within the limit o 50," said Marc Sirotteau, Director o sector at Meilleurtaux. This is to circum ent this type o obstacle that banks stri e to pro ide more lexibility in their orms.

Customized loans

"In iew o the speci ic terms o repayment o the PTZ , we work especially the smoothness o the monthly", note Béatrice Nonin, responsible or the commercial animation in BNP Paribas. Indeed, "PTZ is distributed as a supplement to other inancing", or its part explains abienne Amblard-Larolphie, Director o marketing at the Credit oncier. In most cases, to add se eral other loans: Action (1 housing) housing, housing sa ings, Bank loan... Not to mention the loans to 0 in place by the communities or the eco - PTZ ( or energy reno ation work), all these loans being compatible with a PTZ ... This is the reason why the smoothing is ery use ul. I in a con entional unding, reimbursement e ort decreases as loans that make up the end, otherwise all with smoothing: the e ort remains constant and hold on the longest duration o loan, usually the Bank loan. It is howe er reimbursed a minimum until the PTZ (or other) did not arri e due. This lexibility makes the most expensi e credit "Not at all, Béatrice Nonin replies." With our Compatible line at ixed or ariable rate, we make sure that the borrower pay a share o the additional loan capital and pay no interest on interest. "Same sound Bell to La Banque Postale, Pactys serenity more, able to reduce the total duration o the unding.