Rate Zero
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And if you profit ready withrate zero for your housing?
Very gravitational advantages:
The loan atrate zero represents an advance of state to acquire its main home. Its principal asset: the borrowed sum is refunded with identic. Not need to add interests! Since its creation, in October 1995, more than 850.000 households benefitted from it.
A worthy interest solution … in condition d´y of having right.
Who can profit from it?
The request can be made auprès d´une banks or d´un institution credit. Obtain of the loan atrate zero depends on the amount of the resources, indicated in the heading “assessed income”, on your last opinion d´imposition. The level of these incomes is reached a maximum according to the number of people of the hearth and her geographical area. In majority, the recipients are households gaining between 2 and 3 times the SMIC. |
For which type of housing?
It must be your main home (thus occupied at least 8 months per year). The loan atrate zero can be used to finance a new housing, but also construction house, possibly bying ground, or management of buildings intended to be used as housing.
To finance an old housing, the things become complicated: it must be at least 20 years old and work d amelioration must account for at least 54% of its bying price .
How is the loan calculated?
The loan atrate zero cannot be principal or single loan. It is to the maximum equal to 20% of the price of housing and does not have to exceed 50% of all of your complementary loans (loan social access, officially agreed loan, loan 1%, bank loan, loan d´épargne housing…).
Moreover, there are ceilings for the price of housing, fixed according to the d habitation place and of the number of people in your hearth.
How is it refunded?
The plan of refunding depends on the incomes of your household. The more modest they are and the more you will have time to refund. Lastly, this plan, is not only individualized but also modifiable according to your needs.
Easy way Azzo-credit
To reduce their monthly payments, the recipients d´un ready withrate zero can obtain, under certain conditions a APL (Assistance Personalized with Housing). You address to your case family allocations. If it grants APL to you, this one will be versed at your bank, and directly deduced from your monthly payments of refunding. |
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