For the home ownership assistance, the Government had an ambitious road map: do more with less financial means, focusing on tailor-made... but through a single device!
In fact, the loan to zero rate more (PTZ ) that Nicolas Sarkozy has lifted the veil, yesterday, will replace, effective January 1, three large aid current accession property (ready for the zero rate, Pass-land and tax credit on the interest of the loan).
But this new phare aid reserved for the new owners of their principal residence ("primo-homebuyers") is not unique. "We will not reach personal aid to housing (APL Accession), to secure the families to the accidents of life, nor the housing savings plan, or benefit (for those respecting resource limits) of VAT at 5.5 for buildings within 500 metres of the zones of accumulation, urban renovation with the PTZ", assured the President of the Republic. With regard to "almost unique" assistance, PTZ is very superior to the current PTZ loans amounts.
Price ceilings
Purchase of housing price ceilings will more than double in some cases (for nine as for the former), up to 359.000 euro in the nine (against 162.000 euro for the PTZ), while loans can mount up to more than 140,000 euros in the nine zone "tense" (against 30,000 euros currently). This was made possible by an approach "tailor-made".
In fact, the PTZ will integrate, for the calculation of its amount, both settings (composition of the family, income, housing area, performance energy housing...) that a calculator has been online on the site of the Ministry of sustainable development to enable aspiring property whether, depending on their personal situation, what they have right. It is not luxury: the matrix is so complex that same developers have been associated with the thoughts are still immersed in their simulations. Simply put: assistance will focus areas of high need for housing, and is there focus on the nine. Non-efficient housing energetically, especially the former more than the energy category "D", will be punished.
Winners and losers
The assistance will be superior to the household income modest but "the new PTZ will help more than today ' hui middle-class families, for example the families whose incomes are included between 2 and 4 SMIC, inadequately supported by the current arrangements", promises Nicolas Sarkozy. But it will take several days to really assess the winners and losers of this new aid scheme.
"The device is intelligent, welcomed the patron of the proponent Kaufman & Broad, Guy Nafilyan." "But the first simulations that we have done show thresholds of deferred repayment problems." Result: 10 customers who gained their dwelling in the past, Kaufman & Broad realized that 4 could not carry out their operation with the PTZ , because of insufficient payment deferred. "Thus, the most favourable range of PTZ provides a deferred repayment on 45 of the loan, over thirty years, against 100 of the loan, over twenty-two years to the current PTZ", said Guy Nafilyan. But the evaluation of the product is not completed. Yesterday evening, developers and bankers gathered for new simulations, and dialogue will continue, this time with members of Parliament in October, to new settings.
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