Assistance schemes, PTZ and local schemes

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• Homeownership assistance in the Lyon Metropolis: who provides it, and what it changes All homeownership schemes available in the Metropolis: who provides them, what they change in the financing plan, and the conditions required in return.
• Shared Real Lease in Lyon: How a BRS Is Financed and Which Banks Support It Buying under a BRS in Lyon, building without land: how the bank assesses the ground rent, the high-quota zero-interest loan, and the right questions.
• Green PTZ: Financing the energy renovation of a home in Lyon Eligible works, amounts, co-ownership, combining with the main loan and MaPrimeRénov’: financing a renovation without hurting your debt-to-income ratio.
• Social Access Loan and Conventional Loan: What They Offer, and What They No Longer Offer The PAS caps the interest rate; it no longer opens access to the APL for buyers. What remains, what closed and by which text, what the scheme leaves unchanged.
• PEL and CEL: Does the loan entitlement still hold any value today? Your loan entitlement’s rate was fixed the day the plan opened. Where to read it, what to compare it with, and the decision rule in three questions.
• PSLA and shared ownership: preparing the financing for the option exercise In shared ownership, the loan is applied for when the option is exercised. What the bank reviews that day, and how to prepare your file from move-in.
• Zero-interest loan for older properties: the municipalities around Lyon where it is still possible The zero-interest loan for older homes remains possible outside Lyon, with renovation works. Eligible municipalities, works threshold, reference date.
• Does the PTZ count towards your debt-to-income ratio? Can it be used as a down payment? Yes, the PTZ counts in your debt-to-income ratio from the end of the deferral; no, it does not replace a down payment. What the lender calculates.
• PTZ 2026: How to apply, required documents and the right timeline The PTZ is applied for at the bank, with the main loan. The documents to prepare, the date that fixes your entitlement and the timeline errors to avoid.
• PTZ 2026 in Lyon: what you can actually finance in Zone A In Lyon, the PTZ finances new-build properties, not existing ones. Retained income, basis, proportion, deferral: what you can actually finance in Zone A.
• Reduced VAT for new-build purchases in Lyon and Villeurbanne: conditions, neighbourhoods, resale Reduced VAT on new builds in Lyon and Villeurbanne: neighbourhoods and surrounding band, income and price ceilings, principal residence, resale.