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Personal contribution: how to refuel

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If the majority of banks claim a personal contribution up to the cost of subscription of a mortgage (notary fees, agencies, records …), there are solutions to support and promote a first purchase. Like the zero-interest loan (PTZ +), the Housing Action Loan and the Housing Savings Loan designed to promote homeownership, there are aid schemes to seize from local authorities, Regional Councils and Best .

Local loans

Local loans

Traditionally means-tested, local interest-free loans are the result of an agreement signed between the city and the banks, to help households finance a new acquisition, old, with or without work.

For example, there is the 0% Paris Housing Loan. Combinable with a PTZ + loan, it is capped at € 24,200, for a single person and € 39,600 for two and more. Note that in Paris, there is also the residential 0% residential loan for the tenant of a social housing (HLM, mixed economy company …) in the 75, but it can not be combined with the PPL to 0%.

 

Departmental aids

Departmental aids

The county councils (Hauts de Seine, Essonne …) have also set up aids, subject to income conditions. Most of the time, if the borrower can benefit from the PTZ +, he can complete this device by the services of the department of his future place of residence.

But there are also departmental aids to carry out renovations, which offers a subsidy up to 25% of the amount of work, for a house and 30% for a collective housing. Not to mention, the city of Nantes and the urban community, who also put their hands in the pocket, to promote the fight against termites or help the repair of facades.

Note that there are also departmental councils, which also support accessibility works and those in favor of renewable energies .

Best loans

Best loans

Some recipients benefiting from a Best service can benefit from the legal loan for the improvement of their main home : repair work, insulation, expansion, sanitation, installation of sanitary, gas or water. ‘electricity.

Assistance that can reach 80% of the amount of expenses incurred , up to a limit of € 1,067. Built on the basis of a 1% interest rate, this loan is then repayable in 36 monthly maximums. Note that homeowners benefit can increase the ceiling of this legal loan, to reach € 3,200, repayable in 48 monthly installments.

It is possible to supplement this legal loan with a loan for the improvement of the housing of social action, subject to certain conditions and which can reach up to 4000 €.

Looking for credits helped? Do not stop at the only national devices (loan with zero rate [PTZ +], Loan Action Housing, Home Savings Loan …), inquire with the county councils and town halls, to know the actions of aid to the accession or renovation in your geographical area. And do not forget the support of Best, if you are entitled to one of the benefits eligible for these devices.

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