-The different assisted loans: Before getting to the heart of the matter, let’s start by defining what subsidized loans are. In fact, you may be wondering what subsidized loans offered by the State are. These are real estate loans offering special conditions whose objective is to help first-time buyers with modest incomes to acquire real estate. Some assistance for purchasing a house or apartment can finance the entire acquisition of the property while others must be supplemented by another method of financing. In any case, it is necessary to find out about the conditions of granting to be sure of being able to benefit from them.-The social accession loan: the social accession loan aims to enable people with modest incomes to acquire a house or apartment. It allows you to finance the entirety of the desired property but can supplement a zero-interest loan.It is real financial assistance for the purchase of a property which has the advantage of allowing the borrower to benefit from (personalized housing assistance) and reduced guarantee costs. It is granted under two main conditions: Borrower’s resources.The location of the accommodation and the number of people who will occupy it.-The approved loan: the approved loan is a loan granted without means conditions to people wishing to buy their main residence, have it built, carry out energy saving work or even buy a property to rent it out.This is a capped loan that can fully finance a real estate purchase. To benefit from it, the borrower must: make this accommodation your main residence (the accommodation must be inhabited for at least 8 months per year).Ensure that the accommodation is inhabited within the year following its acquisition or completion of work.Among its main advantages, we find access to APLs, lower notary fees as well as reduced application fees.-The zero-rate loan: this is certainly the best-known real estate purchase assistance. The zero-interest loan is a device for access to property for households with modest and intermediate incomes. It allows you to finance the purchase or construction of a main residence in addition to a traditional loan.Its main advantage is that the amount borrowed with the zero-rate loan does not involve the repayment of interest. The zero-interest loan is granted according to resource conditions and the borrower must not have owned their main residence in the two years preceding the loan application. Depending on resources, the borrower can defer repayment of the loan for 5, 10 or 15 years. It is therefore an aid to purchasing real estate which has significant advantages.-The housing savings loan: the home savings loan works in conjunction with the home savings plan or the home savings account. In fact, the more you have saved up front, the more you will be able to borrow. The loan rate is determined at the time the loan is opened.It is possible to borrow up to €92,000 (depending on the amount saved upfront) for a loan period of between 2 and 15 years. The home savings loan can also be supplemented by other methods of financing.-The housing action loan: the housing action loan (formerly employer loan or 1% housing loan) is intended for employees whose companies donate part of their payroll to the Action Logement organization to finance the construction of housing. In return, the employees of these companies can obtain a real estate loan at a more advantageous rate. The housing action loan must allow the borrower to acquire their main residence and the latter must respect energy performance conditions. Please note that since April 2021, this type of loan can no longer be used to finance work.
