Accelerator for home ownership! As of April 1, 2025, the zero rate loan (PTZ) will extend to the whole territory and concern both collective housing and individual, announces the Ministry of Housing. This measure, included in the recently promulgated 2025 finance law aims to further support first-time buyers.
“As of April 1, banks will be able to offer a PTZ to first-time buyers throughout the territory, regardless of zone, for the purchase of new housing, whether individual or collective,” said a press release from the Ministry . On the other hand, for old housing built over five years ago, the rules remain unchanged: the PTZ will only apply in the relaxed zone, subject to energy renovation work.
Two other measures in place
In addition to this enlargement of the PTZ, two other measures come into force: the exemption from inheritance tax up to 300,000 euros for donations intended for the purchase of new housing, as well as the maintenance of transfer rights (notary fees) at their current level for first-time buyers.
In an interview with the newspaper L’Opinionthe Minister of Housing Valérie Létard also revealed her intention to commission a study on rental investment and her profitability. Its objective: to assess the status of private donors and associated taxation, deemed less advantageous than that of other financial investments, such as actions. Among the tracks envisaged are a tax reduction, a damping device and a single flat-rate levy of 30 % aligned with the “flat-tax” of financial investments.
Rent supervision
Another key file: the management of rents. A mission will soon be launched to measure their impact on a reference territory. “The goal is to have objective elements to weigh the pros and cons” an extension of the system beyond 2026, said the Minister.
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These new measures mark a turning point in the housing policy in France, between support for buyers and reflection on the profitability of rental investment.
(tagstotranslate) Real estate