Housing is the number one expense item for the French.» During his general political speech delivered before the National Assemblythe new Prime Minister has recognized the urgency of taking “fast-track measures for homeownership and rental investment“. To this end, Michel Barnier he said to himself “in favor of the extension of the zero-interest loan for first-time buyers (first time home buyers) throughout the territory.» An idea defended, during the last early legislative elections,
THE zero interest loan access to which was made more restrictive by the previous government on 1 January 2024, often represents around ten thousand euros of contribution for borrowers. Its extension should therefore provide a strong boost to young buyers who do not always have the savings or contribution needed to purchase a home. According to the latest published data, just over 74,000 families have benefited from a PTZ, of which 80% for the purchase of new homes.
More powers to mayors for HLM
However, currently, it is no longer possible to purchase a new house with this loan. This help is only available for purchases of collective housing (i.e. apartments) and only in stressed areas (where demand is greater than supply). For this reason, the PFN proposes to extend this PTZ to all new buyers without geographical distinction and regardless of the type of home to be purchased, old or new. It remains to be seen what Michel Barnier will think of it, as he did not provide more details on the contours of the new PTZ.
Another announcement, more discreet in its speech, but equally strong and less greedy for public finances: the Diagnostic performance (DPE) will be “simplified” And “the calendar, adapted“. The first wish had already been fulfilled in February 2024, which made it possible 140,000 homes will no longer be a thermal sieve and therefore be praised. Because there is a ban on the rental of category “G” accommodation starting from 1 January 2025. Michel Barnier is therefore thinking of postponing this date. When? What about housing classified “F” and “E”, which is prohibited from renting in 2028 and 2034? Here too the debate is open. There is no doubt that owners will welcome this declaration as a breath of air and less pressure. In these dark times for real estate, it’s always a good idea.
On HLM, the Prime Minister also revived a measure championed by former Housing Minister Guillaume Kasbarian: authorizing social landlords to “regularly review their rental situation to adapt rents to their resources”. And therefore avoid it families that are too rich remain in their HLM.
More than a year after easing the “zero net artificialisation” of soil (ZAN) target to combat land overbuilding, Michel Barnier finally declared himself in favor of a new regulatory evolution in his policy statement on Tuesday general.