The Lyon market and its financing
Mortgage in Tassin-la-Demi-Lune: What changes for your application
Are you looking for a mortgage intermediary in Tassin-la-Demi-Lune? Zero-interest loan in Zone A, transfer duties, council tax, flood risk.
A bank applies national lending rules to a purchase in Tassin-la-Demi-Lune: the municipality does not alter the maximum repayment ratio or the maximum term. It changes what surrounds the loan: zero-interest loan for new-build properties, not for renovated existing properties, transfer duties voted by the Lyon Metropolis, council tax, rents outside the Lyon cap, and the flood risk of the Yzeron river to be verified property by property.
By Sandy MASCART, mandataire d'intermédiaire en opérations de banque et en services de paiement ORIAS 26000541 sous le mandat de CDV PATRIMOINE & ASSURANCE (ORIAS 14005573)
Key points
- Tassin-la-Demi-Lune falls within the Lyon Metropolis, which votes on transfer duties and holds the local urban planning plan.
- The municipality is classified in Zone A: the zero-interest loan finances new-build properties there, not existing properties with works.
- As of 1 June 2026, transfer duties there are identical to those in the Rhône department outside the Metropolis: buying in Tassin does not change this line of costs.
- The Lyon rent cap does not apply there: the decree implementing it names only Lyon and Villeurbanne.
- The municipal council tax rate has not changed from 2021 to 2025, but it is only part of the notice.
- The municipality is within the perimeter of the Yzeron river flood prevention plan: the risk map states this property by property.
In Tassin-la-Demi-Lune, credit rules are national. What changes are the zero-interest loan, the fees, the council tax, renting and flooding, as is the case across the Lyon property market. The structure: Buying in Villeurbanne and the western Lyon area.
What does Tassin-la-Demi-Lune change, or not, about your loan?
Nothing regarding the debt-to-income ratio, the term or the assessment of your income. Six subjects around the loan, yes.
| Subject | What applies in Tassin-la-Demi-Lune | Official source |
|---|---|---|
| Associated local authority | Lyon Metropolis | INSEE, official geographical code as at 1 January 2026 |
| Zero-interest loan | Zone A: new-build is possible, pre-existing property with renovation works is not | Zoning file in force since 26 June 2026 |
| Transfer duties | Rate voted by the Metropolis, identical to the rest of the Rhône department | DGFiP table as at 1 June 2026 |
| Council tax | Municipal rate voted unchanged for the 2021 to 2025 financial years | DGFiP, local taxation of individuals |
| Rent caps by reference rent | Does not apply | Decree No. 2021-1143 of 2 September 2021 |
| Flood risk | Commune covered by the Yzeron flood prevention plan | Regulation approved on 22 October 2013 |
Lyon Metropolis: fees, planning and grants are decided there
Tassin falls under the Lyon Metropolis, which replaces the department here.
- It votes on transfer duties.
- Its local planning scheme (PLU-H) sets planning rules: extension, subdivision, change of use.
- It provides local grants: Lyon Metropolis grants.
Is a zero-interest loan possible in Tassin-la-Demi-Lune?
Yes for new-build properties, no for existing properties requiring renovation: the municipality is in Zone A.
- Arrêté applicable Arrêté du 23 juin 2026 modifiant l’arrêté du 1er août 2014 pris en application de l’article D. 304-1 du CCH
- Numéro NOR VLOL2614851A
- Publication au Journal officiel JORF n°0147 du 25 juin 2026, texte n°49
- Entrée en vigueur 2026-06-26
- Fichier officiel du zonage https://www.ecologie.gouv.fr/sites/default/files/documents/Liste_ensemble_communes_Zonage_ABC_en_vigueur_26_juin_2026.xlsx
Le fichier officiel publié avec cette version classe la commune, code 69244, en zone A. Une révision passe par un nouvel arrêté : le classement se relit à chaque projet, pas une fois pour toutes.
- En vigueur depuis le
- Source
- Légifrance
For new-build properties, the zone determines the caps and the amount: the zero-interest loan in Zone A. Is the zoning under revision? The date that matters:
La révision s’applique aux OFFRES DE PRÊT ÉMISES à compter de la date fixée par l’arrêté, et non à la date de demande ni à la date de signature de l’acte. Cas particulier PSLA : les zones s’apprécient à la date de signature du contrat de location-accession (D. 31-10-2-1, 2°).
- En vigueur depuis le
- Source
- Légifrance
The neighbouring areas: the western Lyon area, municipality by municipality.
Are purchase costs higher in Tassin than elsewhere in the Rhône department?
No: the DGFiP applies the same transfer duties for the Métropole and the rest of the Rhône department.
Le tableau de la DGFiP donne ce taux « hors primo-accédant » : l'acquéreur de sa première résidence principale relève d'un autre taux, sous conditions.
- En vigueur depuis le
- Source
- impots.gouv.fr
Voté par une autre assemblée que celui de la Métropole : que les deux taux coïncident se vérifie à chaque nouveau tableau.
- En vigueur depuis le
- Source
- impots.gouv.fr
Whether it is your first purchase or not, new-build or existing: the transfer duties in the Rhône department, the list of purchase costs.
Council tax: a stable municipal rate
The municipal rate has not changed between 2021 and 2025, according to the DGFiP. The other rates on the notice have.
The rates, year by year: « Local taxation of individuals ». Ask the seller for their latest council tax bill before making an offer.
Is a rental investment in Tassin subject to rent control?
Not to reference rents, which are reserved for Lyon and Villeurbanne. The evolution of the rent in a tight zone is a separate rule.
The Lyon ceiling does not apply here. Justify the rent with a lease or an estimate, and check the tight zone on the F1314 form on service-public.fr: rental investment in Lyon.
Can the risk of flooding affect your project?
Yes, property by property: the municipality is covered by the Yzeron flood prevention plan, divided into zones.
Like Charbonnières-les-Bains, Sainte-Foy-lès-Lyon and Craponne. Read the risk statement, provided at the first viewing, before making an offer. Any works? Have the zone regulations read before obtaining quotes: funding works, what the bank reads in a house with land.
The five checks to carry out before an offer in Tassin
- New-build or existing property, for the PTZ.
- The fees, whether it is your first purchase or not.
- The latest council tax bill.
- The state of risks, and the zoning regulations if works are required.
- For letting, a justified rent.
The rest does not depend on the address: what the bank looks at, and in what order.
Are you looking for a mortgage intermediary in Tassin-la-Demi-Lune?
'Courtier' is the common term; in the register of intermediaries, it is only one of the categories, and it is not Sandy MASCART's. Sandy is a mandate holder for intermediaries in banking operations and payment services, registered with ORIAS under number 26000541 and a mandate holder for CDV PATRIMOINE & ASSURANCE. The profile can be verified on the public register.
Were you looking for a courtier? What the status of mandate holder changes, for you.
I prepare your file and present it to the banks. The documents · the fees.
Have you identified a property in Tassin? Create your file or carry out these five checks over the phone.
Sources
- Insee — Commune de Tassin-la-Demi-Lune
- Légifrance — /codes/article_lc/LEGIARTI000028528966
- Légifrance — /codes/article_lc/LEGIARTI000028529510
- Légifrance — /codes/article_lc/LEGIARTI000043343016
- Légifrance — /jorf/id/JORFTEXT000054306084
- ecologie.gouv.fr — liste de l’ensemble des communes, zonage ABC en vigueur au 26 juin 2026 (classeur)
- impots.gouv.fr/sites/default/files/media/1_metier/3_partenaire/notaires/dmto/dmto_2026-06.pdf
- Ministère de l'Économie — Fiscalité locale des particuliers
- Légifrance — /loda/id/JORFTEXT000044015017
- Légifrance — /loda/id/JORFTEXT000027399823
- Service-Public.fr — En quoi consiste l'encadrement des loyers à respecter en zone tendue ?
- DDE du Rhône — Plan de prévention des risques naturels d'inondation (PPRNi) de l'Yzeron, règlement
- Légifrance — /codes/section_lc/LEGITEXT000006074220/LEGISCTA000046364184/
Read next
- Mortgage in Lyon: one file, several banks
- Buying in Villeurbanne or the West of Lyon: how to structure your financing? A flat in Villeurbanne, a house in west Lyon: what the lender examines on the property, the costs to anticipate and the order of procedures.
- Buying in the West of Lyon: what your budget buys, commune by commune Écully, Francheville, Craponne, Dardilly, Limonest and more: how to read completed-sale prices, and how to move from monthly instalment to floor area.
- Council Tax in the Lyon Metropolis: Reading Your Commune's Rate Council Tax in Lyon and the Metropolis: reading the notice (base, rate, waste collection) and finding the rate voted by your commune, year by year.
- Mortgage in Écully: how the municipality affects your financing Are you looking for a mortgage intermediary in Écully? Zero-interest loan in Zone A, purchase costs, council tax, rents in a tight market, risks.
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