Do you have a real estate financing project with a zero-rate loan, and would you like to accurately calculate the budget envelope you will need? Find out below how to best determine your real estate borrowing capacity with PTZ, according to certain regulatory criteria and thanks to the services of a borrowing capacity simulation tool with PTZ.
Any real estate investment on your part requires determining a financing plan . Ask yourself these simple questions: what are your current resources? Will you need to take out a loan to compensate? If you answer yes to this last question (like most investors!), then you will need to better define what is called your “borrowing capacity”, which largely depends on your financial solvency. It is the lender that is responsible for evaluating this criterion, when subscribing to the loan.
Your “debt ratio” will also be part of the equation – that is to say the ratio between the monthly financial charges borne by your household and the disposable income. Faced with this, the zero rate loan (PTZ) can only be obtained under certain conditions of resources. It is reserved in priority for borrowers and co-borrowers wishing to finance the acquisition of a first principal residence – what is more commonly called first-time buyers.
Your real estate borrowing capacity with PTZ in detail
The zero-rate loan is a form of free credit making it possible to finance up to 40% of a real estate project – in other words, the beneficiary of this loan does not pay interest on the sums granted by the organization. lender. The resource ceilings for obtaining a zero-interest loan are high, so that it is likely to concern nearly 80% of households !
For example, a single person with an income equivalent to a maximum of 3,300 euros per month can claim this aid. For a couple wishing to buy a property with two children located in zone A, this ceiling goes up to 6,600 euros maximum.
You will have understood it: your mortgage borrowing capacity calculation with PTZ is conditioned by a certain number of criteria :
The borrower must be a natural person and buy in an eligible area . For example, the areas affected by the new are A, B1, B2 and C. In the old, the areas affected are A, B1 and B2.
The borrower must be a first-time buyer , and not have owned a principal residence for at least the last two years.
The borrower must invest in new real estate , but he can also invest in old one under certain conditions.
The regulatory resource ceiling must not be exceeded.
For all these reasons, it can be useful to use a borrowing capacity simulation with PTZ online. We offer you this calculator which will allow you to know the amount you can have each month for a mortgage with or without PTZ.