How much to borrow, what deposit to plan, which aid to apply for, what the credit costs, who arranges the loan: the answers, with a simulator to adjust to your situation.
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Quick simulation
Adjust the sliders: budget, debt-to-income ratio, monthly payment and cost of credit are recalculated using the method of our borrowing capacity calculator.
Your assumptions
Example pre-filled: set each slider to your situation.
Housing budget€244,741Monthly payment€1,225/monthDetailsAdjustable assumption. Benchmark: 3.35 % on average over 25 years at August 2026 (Observatoire Crédit Logement/CSA, recorded on October 17, 2026).
27 years: maximum period allowed for an off-plan purchase (VEFA). The calculation repays the loan over 27 years, with no deferral.
Estimated housing budget€244,741for a monthly repayment of around €1,225
What these assumptions give
244 741 €
35 %
The Haut Conseil de stabilité financière caps all your loans at 35 % of your net income, insurance included. This calculation uses the full limit; a lower monthly payment leaves you more disposable income.
1 225 €/month
In the first year, you mainly repay interest. Its share then falls each month in favour of capital.
136 639 €
Assumptions: interest rate of 3,5 % excluding insurance (adjustable), borrower insurance 0,36 % per year of the borrowed capital, new-build notary fees 2,5 % of the price. Excluding guarantee and arrangement fees.
The journey
JL HOME supports you in buying the property. The loan is negotiated between you and the bank, either directly or with the broker of your choice: JL HOME is not a credit intermediary.
You, with your JL HOME adviser
Income, current loans, deposit: we work out a purchase budget and a monthly repayment that leave you a comfortable amount to live on.
You, with your JL HOME adviser
PTZ if you are a first-time buyer within an income ceiling, Action Logement loan if your employer contributes to it, reduced VAT depending on the area: we look at what may apply to the chosen home.
Your bank or broker
You submit your application to one or more banks, alone or with a credit broker. JL HOME provides you with the project documents: reservation contract, price, schedule of calls for funds.
The bank
The bank sends you a written offer. The law gives you 10 days to reflect before you accept it. If the loan is refused, the suspensive condition in the reservation contract protects you.
The notary
You sign the authentic deed before the notary. For off-plan new-build, the bank then releases funds as the works progress, according to a payment schedule governed by law.
After signing, the developer calls the price in stages, without exceeding these ceilings set by law, and the bank releases the loan at each call for funds. During construction, interim interest accrues on the sums already released.
Your monthly repayments, including existing loans and insurance, must not exceed 35 % of your net income, over a maximum of 25 years (27 years for off-plan new-build property). With net income of 3 500 € per month, a rate of 3.5 % over 25 years and no other loans, the maximum monthly repayment is €1,225 and borrowing capacity is approximately €230,860.
Many banks ask that the deposit covers at least the notary and guarantee fees. In new-build, notary fees are lower: around 2 to 3% of the price, compared with around 7.5 to 8.5% for older property. A purchase with no deposit remains possible, but it is rarer and depends on your profile.
Interest and borrower insurance, plus guarantee and arrangement fees. In the same example, the loan costs approximately €136,639 over 25 years, including €115,862 in interest. To compare offers, look at the annual percentage rate of charge (TAEG), which includes all these costs.
The bank, which you approach directly or through a credit broker of your choice. JL HOME is not a credit intermediary: it prepares the purchase project with you (price, schedule of calls for funds, aid), and you remain free to choose your bank.
Four schemes can ease the financing of a new home. They depend on your situation and the home chosen: your adviser checks with you what may apply, and the bank then confirms it.
An interest-free loan that funds up to 50% of the cost of a new-build apartment, up to a ceiling set by zone and household, subject to income conditions. Repayment can be deferred for up to 10 years.
Find out more : Zero-rate loan (PTZ)Employees of private-sector companies who contribute to Action Logement may apply for a reduced-rate home loan, in addition to the main loan. Amount and conditions depend on the rules in force at the time of application.
In the priority neighbourhoods of the politique de la ville and their surroundings, a new-build home bought as a main residence may benefit from 5.5% VAT, subject to income ceilings.
Find out more : Reduced TVA at 5.5%You buy the home without the land, which is leased from an organisme foncier solidaire: the amount to be financed is reduced, subject to income ceilings.
Find out more : Bail réel solidaire (BRS)Depending on your project and situation, certain schemes may or may not apply. Your JL HOME adviser will go through this with you.
Your monthly repayments, including existing loans and insurance, are capped at 35 % of your net income. With net income of 3 500 € per month, a rate of 3.5 % over 25 years and no other loans, the maximum monthly repayment is €1,225 and borrowing capacity is approximately €230,860. The simulator on this page recalculates with your figures; the bank decides based on your complete application.
A deposit makes it easier to secure the bank’s agreement, which often requires it to cover at least the notary and guarantee fees. These fees are lower for new-build homes (around 2 to 3% of the price). Financing without a deposit remains subject to the bank’s agreement; depending on your situation, a zero-interest loan (prêt à taux zéro) or a prêt Action Logement may complement the financing plan.
The zero-rate loan (PTZ) is aimed at first-time buyers (who have not owned their main residence for the past two years) who buy a new main residence, subject to income conditions. The property's zone and the size of the household affect the ceilings and the amount. Your adviser will check your eligibility with you, and the bank confirms it.
For a loan of €230,860 at 3.5 % over 25 years, with annual insurance at 0.36 % of the amount borrowed, the total cost is approximately €136,639: €115,862 in interest and €20,777 in insurance, excluding guarantee and arrangement fees. The 3.5 % rate is an assumption you can change. As a reference, the average rate over 25 years was 3.35% in August 2026, according to Observatoire Crédit Logement/CSA.
You submit your application to the bank of your choice, either alone or with a credit broker you appoint. JL HOME is not a credit intermediary and does not negotiate your loan: it provides the bank with the project details it needs (reservation contract, price, schedule of stage payments) and checks with you that the monthly payment remains compatible with your budget.
The reservation contract for a new home financed by a loan contains a suspensive condition that this loan is obtained. If the loan is refused within the period set out in the contract, the reservation lapses and your deposit is refunded.
Paid by the developer, who covers the fees, as stated in the regulatory note at the bottom of the page. This remuneration does not depend on your financing: JL HOME is not a credit intermediary.
A JL HOME adviser will review with you: budget, deposit, possible assistance, and the staged payment schedule. You negotiate the loan with the bank or broker of your choice.
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