In 2025, buying a new-build home is a relatively accessible goal, thanks to a range of support measures designed to assist buyers. These measures are aimed primarily at first-time buyers, families on modest incomes and households wishing to invest in their principal residence.
Here's a clear overview of the solutions available in 2025 to help you realise a new-build property project or buy a building plot under the best possible conditions!
The Prêt à Taux Zéro is still one of the most attractive ways of financing a new home. Aimed at first-time buyers, this government loan covers up to 40% of the total cost of the purchase interest-free. This means significant savings of up to tens of thousands of euros.
Eligibility for the PTZ depends on precise criteria, including the composition of the household and the location of the property. It's worth noting that zones classified as A bis, A and B1 benefit from more favourable conditions. This flexibility is designed to facilitate home ownership in areas where prices are particularly high.
It is also worth noting that the property financed must be the borrower's principal residence and meet certain energy standards, in line with the government's ecological transition objectives.
That's why we recommend calling on professionals like Urbatys, a property developer in Nantes, during the buying process. This expert will be able to guide you through every stage of the project and ensure that the property in question is energy-efficient. Repayment terms are generally between 20 and 25 years, with a deferment period of between 5 and 15 years depending on household income.
This flexibility means that monthly repayments can be adapted to the changing financial capacities of young households. The PTZ can be perfectly combined with other traditional or subsidised bank loans, helping to maximise the financing options available to complete the purchase project.
The Bail Réel Solidaire is an innovative solution to facilitate social home ownership. The scheme is based on the separation of land and buildings: the buyer becomes the owner of the home, but remains the tenant of the land under a very long-term lease. As a result, the purchase price can be reduced by almost 40% compared with the local market.
The BRS is aimed at households on modest or intermediate incomes, with income ceilings aligned with those for the Prêt Social Location-Accession (PSLA). The land is managed by an Organisme Foncier Solidaire (OFS) and the rent paid remains stable, calculated on the basis of the surface area of the home and indexed to the rent index published by INSEE.
The tax benefits of the BRS are considerable, as the purchaser benefits from a reduced VAT rate of 5.5% instead of the standard rate of 20%. They can also take advantage of a 30% reduction in property tax. The BRS scheme can be combined with the PTZ, enabling the purchase to be financed under exceptionally favourable conditions.
What's more, the property can be resold at any time. The process is supervised by the OFS to preserve the social purpose of the scheme and avoid property speculation.
Reduced-rate VAT is a powerful tax lever for boosting the purchase of new homes in priority areas. This scheme lowers the VAT rate from 20% to 5.5% in neighbourhoods covered by an urban renewal agreement (ANRU).
This reduction represents a considerable direct saving on the purchase price, and can amount to several tens of thousands of euros depending on the value of the property. It is worth noting that eligibility for this reduced rate depends on the precise geographical location of the property development and compliance with specific resource conditions.
Purchasers must have incomes below the social housing ceilings, which vary according to household size and location. The property must also be used as a principal residence for a minimum period, generally set at five years.
This scheme is particularly attractive in cities where property prices remain high despite urban regeneration policies. The reduced 5.5% VAT rate can be combined with the PTZ and other local grants, creating a particularly advantageous financial leverage effect for first-time buyers.
This combination of support often reduces the down payment required and significantly lowers the monthly repayments.
In addition to national schemes, local authorities offer specific support tailored to their area. This local support can take a variety of forms: direct subsidies, subsidised loans, loan guarantees or even land portfolios.
The amount and conditions of grant vary considerably between communes and départements, reflecting local political priorities in the area of housing. Metropolises and large conurbations usually offer enhanced assistance to attract and retain young professionals.
These schemes generally target first-time buyers, families with children or certain professional categories deemed to have priority (teachers, healthcare staff, security forces). Grants can amount to many thousands of euros in the form of non-repayable subsidies or loans at preferential rates.
It's worth mentioning that departmental and regional councils also provide assistance through funds to help people buy their own homes, or through schemes to help them secure their housing. Some regions have even set up digital platforms that make it easy to identify the assistance available depending on the applicant's personal and geographical situation.
Action Logement, formerly known as 1% logement, complements this scheme with employer loans on preferential terms for employees. The judicious combination of local aid with national schemes maximises the leverage effect and considerably reduces the cost of acquisition.
The ecosystem of subsidised loans offers a wide range of financing solutions to complement conventional mortgages. The Prêt d'Accession Sociale (PAS) is one of the pillars of this offer. It enables you to finance the entire purchase on preferential terms.
The subsidised loan is another advantageous scheme. It is available to everyone, regardless of income, and offers regulated rates that are generally lower than market conditions. It can be repaid over a period of up to 35 years, reducing the financial burden over a longer period.
These regulated loans are eligible for the Aide Personnalisée au Logement (APL) accession, a scheme that further reduces monthly repayments during the first few years of repayment. Banks and specialist organisations also offer special deals for civil servants and the self-employed, with negotiated terms and conditions.
The Prêt Épargne Logement (PEL) loan allows you to mobilise savings built up over a number of years on preferential terms, although current interest rates make it less attractive than in the past. The intelligent combination of these various subsidised loans with government schemes can considerably improve the overall financing conditions for a new-build property project.
All in all, 2025 offers future homeowners a full range of schemes to make it easier to buy a new home or building plot. From the Zero Interest Loan to the Bail Réel Solidaire, via reduced VAT and local or regional grants, these measures can significantly reduce the cost of home ownership.
