At 28, get one ready at 1%this appears to be a pipe dream, even a fantasy, given the reluctance of the banks. And yet Laury succeeded, as reported BFM TVTuesday, May 4. The trick? More subsidized rates of the banks, and a assembly very interesting. Initially, the young woman wanted to buy a new home in Meaux in Seine-et-Marne. She goes to her broker with 5,000 euro contribution and want to borrow 200,000 euros.
For this, it offers him several subsidized loans. Primarily interest-free loan (PTZ) from the state, for an amount of 75,000 euros. This loan is generally given to those who buy a new homes in a tense area or old residence in a relaxed area. It also gets access to 1% loan from Action Logementfor an amount of 30,000 euros. It also benefits from two subsidized loans from the lending bank: a young worker loan, at 0%because she is less than thirty years old (17,000 euros) and a efficient home loanhe too 0% (17,000 euros).
Property credit: the interest rate drop continues in June
A history to build
Finally, she benefits from a classic loan 3.85%for an amount of 61,000 euros. “At first I said to myself, maybe she [sa courtière, ndlr] was wrong, there is no such thing as a rate”Laury is surprised. But it is very real, because the banks currently have young people in the viewfinder for these subsidized loans. These first-time buyers, the TV channel emphasizes, have a history to build with these banks.
Many banks offer subsidized rates, such as Crédit Mutuel de Bretagne, with its 15,000 euros over fifteen years. Crédit Agricole Finistère offers 20,000 euros over twenty years for first-time buyers, LCL 20,000 euros over 10 years for first-time buyers or high-performance homes. To find your way, it is better to surround yourself with one brokerwho will come up with the best suggestions. And why not, find that rare gem like Laury!