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PTZ 2025 : qui y a droit et comment en profiter ?

Le Prêt à Taux Zéro est un véritable coup de pouce pour les primo-accédants. Ce billet détaille les conditions d’éligibilité, les plafonds de revenus, les montants finançables et les zones concernées. Il explique aussi pourquoi faire appel à un courtier ou un conseiller OKARE pour intégrer efficacement ce levier dans son plan de financement.

Le Prêt à Taux Zéro (PTZ) est l’un des dispositifs les plus puissants pour aider les primo-accédants à devenir propriétaires. Prolongé et renforcé jusqu’en 2027, le PTZ version 2025 est particulièrement favorable aux acheteurs de logements neufs à La Réunion et dans les DOM.

Vous souhaitez acheter votre résidence principale ? Voici tout ce qu’il faut savoir pour profiter du PTZ 2025.

🔍 Qu’est-ce que le PTZ ?

Le Prêt à Taux Zéro est un prêt complémentaire accordé sans intérêts, destiné à financer une partie de l’achat d’une résidence principale, sans frais de dossier et avec un différé de remboursement pouvant aller jusqu’à 15 ans.

Il est réservé aux primo-accédants (ou assimilés) et soumis à conditions de ressources.

🆕 Quelles sont les nouveautés du PTZ 2025 ?

Depuis 2024, et surtout avec la réforme 2025 :

  • Le PTZ peut financer jusqu’à 50 % du coût de l’opération (au lieu de 40 % auparavant)
  • Les plafonds de revenus ont été relevés, notamment en zones B1 (comme La Réunion)
  • L’éligibilité est recentrée sur les logements neufs collectifs, les logements sociaux et l’accession en bail réel solidaire (BRS)

✅ Le PTZ est toujours cumulable avec un prêt bancaire classique, un prêt action logement ou des aides locales.

📍 À La Réunion : une opportunité renforcée

La Réunion est classée en zone B1, ce qui permet :

  • Un plafond de revenus plus élevé pour bénéficier du PTZ
  • Des montants de prêt maximaux attractifs : jusqu’à 100 000 € selon la composition du foyer

💡 Associé à la TVA réduite (8,5 %) et aux frais de notaire réduits dans le neuf, le PTZ 2025 rend l’accession beaucoup plus accessible.

📊 Exemple concret

  • 🏡 Achat : T3 neuf à Saint-Paul, 225 000 €
  • 💶 Apport : 10 000 €
  • 📈 PTZ obtenu : 75 000 € (33 %)
  • 💳 Crédit bancaire classique : 140 000 €

➡️ Résultat : un plan de financement souple, sécurisé, et adapté aux primo-accédants

🧾 Conditions d’éligibilité au PTZ 2025

  • Ne pas avoir été propriétaire de sa résidence principale au cours des 2 dernières années
  • Respecter les plafonds de ressources, selon la zone géographique et la composition du foyer
  • Acheter un bien neuf, ou un bien ancien avec travaux représentant au moins 25 % du coût total (rare à La Réunion)
  • S’engager à occuper le bien comme résidence principale pendant 6 ans minimum

🛠️ Quelles étapes pour bénéficier du PTZ ?

  1. Estimation de l’éligibilité (revenus, zone, composition du foyer)
  2. Simulation du montant de PTZ possible
  3. Constitution du plan de financement avec un courtier partenaire
  4. Montage du dossier bancaire avec justificatifs
  5. Signature du prêt PTZ chez le notaire en même temps que le prêt principal

🤝 L’accompagnement OKARE

Chez OKARE, nous :

  • Vérifions votre éligibilité au PTZ dès le 1er rendez-vous
  • Vous aidons à simuler votre budget d’achat total
  • Collaborons avec des courtiers spécialisés à La Réunion
  • Vous proposons des biens sélectionnés dans des résidences neuves éligibles PTZ
  • Vous accompagnons jusqu’à la remise des clés

📩 Vous êtes primo-accédant à La Réunion ? Le PTZ peut vous permettre d’acheter plus tôt, avec moins d’effort d’épargne.

Contactez un conseiller OKARE pour faire le point sur vos droits et vos possibilités.

Partager

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