Category
Financing
Borrowing capacity, rates, deposit and schemes to finance your purchase of a new-build home.
Borrowing capacity 2026: how to work out your new-build property budget
Work out your 2026 borrowing capacity: debt-ratio formula, income and mortgage rates. Free simulation and guide for first-time buyers.
Read the article →September 19, 2026What is the ideal deposit for buying new in 2026?
What deposit is needed to buy new in 2026? Reduced notary fees, the PTZ, and a debt-to-income ratio of 35%: our practical benchmarks for calculating the ideal deposit.
Read the article →Buying with someone in a new-build: joint ownership (indivision) or SCI? The 2026 guide
Buying with someone in new-build property in 2026: indivision or SCI? Compare benefits, taxation and inheritance to choose the right structure. JL HOME advice.
Read the article →VEFA: the completion guarantee (GFA) and delivery explained
Completion guarantee in VEFA: the role of the GFA, how it works, extrinsic GFA, delivery and protection in the event of the developer's insolvency. JL HOME guide 2026.
Read the article →The bridging loan for buying new-build: how it works, 2026
New-build bridging loan: how it works, amount, term, cost and pitfalls to avoid when buying off-plan (VEFA) before selling. Complete 2026 guide by JL HOME.
Read the article →Renegotiating your mortgage: when and how to go about it in 2026?
Renegotiating your mortgage in 2026: from what rate gap? Renegotiation vs loan buy-out (rachat de crédit), procedures and savings calculation. Complete guide.
Read the article →VEFA: understanding calls for funds for your new-build purchase
VEFA calls for funds: discover the statutory payment schedule (35%, 70%, 95%...), the guarantees and how to finance your new home with confidence in 2026.
Read the article →First-time buyer: the key steps in buying new-build property in 2026
First-time buyers in 2026: discover all the steps to buying new-build property, from budgeting and the PTZ through to VEFA delivery. A clear, practical guide.
Read the article →Borrower insurance for new-build homes: how to choose it well in 2026?
Borrower insurance for a new-build home: guarantees, insured shares (quotités), delegated insurance and the loi Lemoine. Save on your loan with the JL HOME 2026 guide.
Read the article →The 35% debt ratio explained simply: what you need to know for your new-build home project in 2026
35% debt ratio: definition, calculation and examples to finance your new home in 2026. Simulate your borrowing capacity with JL HOME.
Read the article →How much do you need to earn to buy new-build in 2026?
Borrowing capacity, the 35% rule, the role of the PTZ: understand which income a given monthly payment requires and how to maximise your purchasing power in the new-build sector. JL HOME guide.
Read the article →Action Logement: the home loan for employees in 2026
The Action Logement accession loan for private-sector employees: principle, conditions, combining with the PTZ. Amounts and rates to be verified with Action Logement. JL HOME guide.
Read the article →Buying without a deposit in 2026: myth or reality?
Can you really buy a new-build home without a deposit in 2026? What lenders really look at, the role of the PTZ, the costs to plan for and the profiles that get through. JL HOME guide.
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