Obtaining a SAP Loan is determined by a dual condition, firstly through the area of the home’s place of purchase, then by resource ceilings that differ according to zones A, B1, B2 and C and the size of the home.
Zones A, B1, B2 and C of the home loan
The regulation divides the French territory into 4 zones, zone A, zone B1, zone B2 and zone C. Zone A represents the most tense real estate market, where it is more difficult to access the property because it There is a lot of demand for housing supply. The closer you get to Area C, the more accessible the real estate market in the area. These areas are taken into account when applying for the SAP Loan because the resource ceilings differ from one to the other.
To represent these areas, we can support them in the following way:
Zone A: The city of Paris and the Petite Couronne, the Côte d’Azur and the French Genevois.
Zone B1: The cities of more than 250 000 inhabitants, the Grande Couronne around Paris, some cities like Annecy, Chambery, Bayonne, La Rochelle, Saint-Malo, etc …, some towns of the Côte d’Azur (which do not appear not in zone A), the Overseas Departments and Corsica.
Zone B2: the cities of more than 50 000 inhabitants not included in the zones mentioned above, certain municipalities of the littoral or border, the communes on the periphery of the Greater Crown of the Ile-de-France.
Zone C: municipalities that do not fit in the previous categories
As of 1 October 2014, the list of cities in Zone A, B1, B2 and C is identical between the SAP loan and Zero Rate Loan more.
The income ceilings of the SAP Loan
The amount to be taken into account in order to know if the household does not exceed the income ceilings conditioning its eligibility for the loan with the social accession can be calculated in two different ways:
- The accumulation of reference tax revenues for year N-2 of the borrower (s) and the persons who will occupy the dwelling. For example, if the acquisition is made in 2016, the reference tax revenues to be taken into account will be those of the 2014 tax notice.
- The total cost of the transaction divided by 9
The amount to be used to obtain the loan will be the higher of the two calculations. Then, refer to the following table.
Applicable resource ceilings for SAP Loans
Since 01/01/2016, the resource ceilings applicable to the SAP Loan have been aligned with those of the PTZ 2016
* Some overseas departments receive specific ceilings. These ceilings can be consulted on the respective ADIL websites in each department.