Acquiring your primary residence is an important moment, there are many advantages that can attract you.
You may be a first-time buyer and you don't know where to start?
You bought a few years ago, but standards and laws are changing. Do you need advice?
Have you always bought something from the old one but when you retire you want a pied-à-terre without work, easy to access, close to shops?
Pléiades Estate is able to accompany you from A to Z in this important stage of your life.
In fact, we bring together a large part of the market's offer with the largest national and regional promoters.
As part of the purchase of your primary residence you may be eligible for state aid.
The zero rate loan (PTZ) is a state-assisted loan that allows you to purchase your home if you have not owned your primary residence in the past 2 years, subject to means testing.
The PTZ amount depends on the area where you buy your accommodation.
The loan can only finance part of the purchase, you must complete it with one or more loans and possibly a personal contribution.
This accommodation must be new or old with work.
For the updated conditions you can refer to the site: https://www.service-public.fr/particuliers/vosdroits/F10871
In addition, if you buy in the ANRU (National Agency for Urban Renovation) zone, it is possible under certain conditions to combine the PTZ with reduced VAT on certain real estate programs.
For those who wish to acquire their main residence, the finance law allows to benefit from:
If you resell your property before 10 years, you will have to pay an additional tax equal to 100% of the difference between the reduced rate and the standard rate of VAT, less one tenth per year of ownership from the first year.
Examples: after 5 years, you will have to repay 50% of the difference between the two rates;
After 7 years of ownership of the property: 30%;
After 9 years: 10%.
In fact, when the resale occurs more than 10 years after the acquisition, the reimbursement is no longer due.
There are exceptions, allowing the transfer of his property, within this 10-year period. The benefit for the purchaser of the reduced VAT rate will not be called into question in any of the following cases:
For the updated conditions you can refer to the site: https : //www.impots.gouv.fr/portail/particulier/achat-dans-le-neuf
During our meeting, we can study this item together to see if you can benefit from it.
|TYPE OF GUARANTEE||DURATION||STARTING POINT||LEGAL REFERENCES|
|Apparent defects||1 month||Expiration of the month following the handing over of the keys to the purchaser||1642-1 and 1648 paragraph 2 of the civil code|
|Perfect completion||1 year||Reception with companies||1792-6 of the civil code|
|Sound insulation||1 year||Key delivery to the purchaser||L111-11 of the construction code|
|Biennial or said to be in good working order||2 years||Reception with companies||1792-3 of the civil code|
|Decennial||10 years||Reception with companies||1646-1 and 1792 / 1792-2 of the civil code|