Emphasizing that 56 of the French were owners of their housing in 2007 and that their proportion had increased to 1.2 points between 2002 and 2007, the head of State stated that at this rate, the France would put 40 years for an average European, which is around 70.
"We have drawn as conclusion was to profoundly change our aid system" real estate, he said in a roundtable with sector professionals organized in Thiais, in the Val-de-Marne.
Replacing three existing devices, including the former loan to zero rate, "ptz " will be reserved for "primo-homebuyers." They will thus benefit from a free credit up 40 in the price of the asset purchased in a modular ceiling limit on local real estate prices.
This maximum percentage will be restricted to energy-efficient new housing located in areas where real estate is "tense" and therefore expensive, namely the large cities like Paris, Lyon and Marseille or the Côte d'Azur. The amount of the loan PTZ drops up to 10 for former housing to poor energy performance.
If it is granted without condition of resources, PTZ takes into account the level of household income in the form of a spread of periods of repayment, which will take into account also the number of people per household. It will be of 5 years for the rich to 30 years for the more modest.
As announced in August, PTZ for the financial cost is estimated at EUR 2.6 billion in the full year.
Registered in the 2011 budget, it will allow the State to save EUR 1.6 billion per year knowing that it will replace both the loan term zero current, Pass-land and the mortgage interest tax credit. Of an annual amount of EUR 3 billion, the latter of which the deletion had already been announced, no impacts expected on the promotion of real estate property, a failure attributed to the refusal of banks to take into account as a contribution in the negotiation of a credit.
The Department of housing provides the distribution of 380.000 PTZ against 200,000 to 250,000 on average each year for the zero rate loan and believes that the device will help especially the families of the middle class, to a level of income between two and four times the minimum wage.
The CEO of the Group of promoting Nexity, Alain Dinin, who had allowed previously the head of State on a housing project with the city of Villeneuve-Le-Roi (Val-de-Marne), put the bar down to the press: "from 35,000, 40,000 euros (annual) income two it will be interesting." On paper, it is for everyone, but in the mechanism that unveiled us, it is not interesting for this population. "It is true that it will help primo-homebuyers with low income to become owners, however it does not solutions to the middle class," he said.
Bank and real estate professionals responded positively to the announcement.
For its part, Credit Foncier was pleased "that reform should focus on a device that has already been proven and which is known: 0 loan." "This reform will especially improve the creditworthiness of borrowers, taking account of the demographic characteristics of the territories, and increase the number of eligible borrowers," says François Blancard, Director General of Credit Foncier.
The new device of the loan at zero rate, called PTZ , is welcomed by the professionals of the Union of trade unions of the
The least we can say is that this is not selfevidentIt would also produce for many more yearsLeft more than 160 members asked to speakWith BPCE for example in consumer creditThis has already led me to take two stepsWe are in full global assimilation analysisIn the CHU of 2020 there is virtually no bedsThe cost for public finances will be highFrom time to time you lose one it's normalIt was both a time of intense emotion and pride
