Build your house | Loan to finance its construction

Rely on good foundations

Rely on good foundations

We offer tailor-made solutions and adapted credit

  • Up to 100% financing of your project (notary and guarantee fees included under certain conditions)
  • Loan Smoothing: When financing is made up of several loans with different durations and repayment amounts, the smoothing of the loans allows you to pay only a global payment over the entire term of the loan.
  • Modulation: the monthly payment of some loans can be increased or decreased, under conditions, to face the evolutions of the life and to adapt to your needs
  • The possible underwriting of insurance that protects you against the vagaries of life.

You are a first time buyer or have not owned your principal residence in the last two years. You may be able to get:

  • a Zero Rate Loan (PTZ). This loan is accompanied by one or more complementary loans that will make up your financing. You can therefore associate a regulated loan or any other conventional loan.

Before building: choose the right ground

Before building: choose the right ground

In subdivision The land, already serviced, is ready to build. You must respect the specifications of the subdivision.

Good to know: The various taxes related to connections and (connections) are the responsibility of the developer. Check that everything is included in the price.

Out of subdivision Details that matter:

  • The environment of the field
  • Constructibility (planning certificate)
  • The servicing of the land
  • Easements of private interest and easements of urbanism

The purchase of the land

The purchase of the land

It is done in two steps:

1st step: The promise of sale This is a preliminary contract. You only sign it if you are sure to buy the land. It determines the terms of sale. It is particularly recommended to entrust the drafting to a notary.

Check that it contains:

  • Conditions precedent to obtaining your loan and obtaining the building permit.
  • All the cadastral references of the land. You will be required to pay a deposit (usually between 5 and 10% of the price of the land) which will be cashed after the withdrawal period (or reflection) of 7 days.

Good to know: This amount can remain acquired to the seller if you do not take action. This sum is returned to you if you have not been able to lift the conditions precedent of your loan. Be aware that the promise to sell may contain:

  • a clause called “criminal”, intended to compensate the seller in the event that you decide not to buy (usually between 5 and 10% of the price of the land). Be careful because some sellers or unscrupulous agencies accumulate the aforementioned deposit and the penalty clause
  • a clause providing for the settlement of the agency commission, intended to compensate the agency, in the event that you decide to no longer buy and if the commission was your responsibility.

A promise to sell is an important act that commits you. This is why we recommend you to be assisted by your own notary who will usefully advise you and avoid some pitfalls.

2nd step: The bill of sale

Once all the conditions of sale determined in the preliminary contract, you sign the authentic deed in front of the notary.

Good to know: If several notaries participate in the contract (yours and that of the seller or the bank), there is no extra cost, they share the fees.

Obtain a building permit

Town halls issue building permit applications.

  • It is mandatory for any construction.
  • No construction can begin before it is obtained.
  • It is valid for two years.

How and to whom? You must fill in 3 copies the application for a building permit, append the additional documents requested and send them by registered letter to the town hall of the place of construction. In general, it is the professionals with whom you work who take charge of this process. A building permit sign must imperatively be posted at the entrance of your property for the duration of the construction. Caution: If the building area is greater than 170 m 2, the use of an architect is mandatory. He signs the plans that accompany the application for the building permit.

You are the owner

You are the owner

You order the work to the contractor (or several contractors) of your choice: the contractor. There are two main contracts for the construction of detached houses called “CCMI”:

  • The CCMI with Plan Supply is a contract by which a person undertakes the construction of a residential building on the basis of a plan proposed or proposed by him
  • the CCMI without providing a plan is a contract entrusted by the contracting authority to a builder whose purpose is at least to carry out the structural and water-out work (frame and roofing) and out of air the house (exterior joinery).

They offer you a unique interlocutor: the manufacturer who takes care of the construction of your house and all the guarantees for you:

  • the money back guarantee: allows the sums paid before the opening of the building site to be refunded if all the conditions precedent are not fulfilled
  • the damage-work guarantee, at a price negotiated by the builder: this compulsory insurance covers the risks of major damage to the construction and finances the repairs
  • the delivery or completion guarantee: guarantees that your house will be finished at agreed prices and deadlines.

The “contract of company or rent of work” You choose the craftsmen of your construction and realize your project with the help of a master builder or an architect.

Attention: If these professionals provide both the plans and choose the craftsmen to carry out the construction, they must act within the framework of the Contract of Construction of Individual House.

Think about taking out insurance:

Think about taking out insurance:

  • The guarantee of perfect completion It lasts one year. It covers all apparent defects or poor workmanship recorded in the acceptance report of the work.
  • The ten-year guarantee lasts for ten years, it assures you against the disorders that compromise the solidity of the building or make them unsuitable for its destination.
  • The biennial guarantee It concerns items that can be repaired without affecting the shell. It therefore covers the defects of the second work.