Finance your new real estate project
thanks to the PTZ

The Zero Interest Loan (PTZ) is a state aid designed to facilitate home ownership. Reserved for households meeting certain conditions, it allows you to finance part of the purchase of a new home without paying interest.

At C&V Habitat, several of our programs and lots in Haute-Savoie, Savoie and Pays de Gex are likely to be eligible for the PTZ. One more step towards access to property.

Combined with the reduced notary fees and the performance of new homes, the Zero Interest Loan can be a real lever for making a first purchase.

Why buy a new home with a PTZ?

The PTZ is particularly interesting in the context of a new property purchase.

By choosing a new home, you benefit from several advantages at the same time:
- Facilitated financing thanks to the PTZ;
- reduced notary fees ;
- a dwelling that complies with the RE2020 Environmental Regulations ;
- Manufacturer's warranties that secure your investment;
- energy performance to reduce your heating costs.

This combination makes new property a particularly attractive solution for becoming a homeowner.

Who can benefit from the PTZ?

The ceilings change regularly in order to adapt to the real estate market. This is why it is important to study each situation individually.

The C&V Habitat team advises you to check your eligibility and evaluate the different financing solutions available to you.

L'accès au PTZ dépend de plusieurs critères définis par la réglementation en vigueur :

your income;

the composition of your household;

the location of the accommodation;

the nature of the real estate project.

A helping hand for first-time buyers

Buying your first home is often a financial challenge.

The PTZ makes it possible to reduce the amount of the traditional bank loan and therefore to reduce the monthly payments or the necessary personal contribution.

It thus offers many households the opportunity to access property more quickly, while maintaining a balanced budget.

At C&V Habitat, we regularly support first-time buyers in the realization of their first real estate project.

The PTZ in Haute-Savoie, Savoie and Pays de Gex

The real estate markets of Haute-Savoie, Savoie and Pays de Gex have specificities related to their attractiveness, their economic dynamism and their proximity to Switzerland.

Depending on the municipality where your future home is located, the conditions for applying the PTZ may vary. This is why it is essential to get support in order to build a financing plan adapted to your situation.

Why call on C&V Habitat to buy your new home?

Choosing C&V Habitat means trusting a local company based in Haute-Savoie, which has been working for more than 10 years with craftsmen from the region.

Our teams know the local real estate market perfectly and present you with new developments in Haute-Savoie, Savoie and Pays de Gex, several of which are likely to be eligible for the Zero Interest Loan.

Would you like to discover our programs or find out if one of them can be a good fit for your project? The C&V Habitat teams are at your disposal to answer your questions.