House construction loan: how to easily finance your project in 2025

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A house construction loan helps finance your future home in Massy, Palaiseau or Chilly-Mazarin thanks to straightforward solutions and tailored local support.

"In 2025, the house construction loan offers advantageous conditions, especially with the expanded zero-interest PTZ, to bring your building project to life with Nicolas Immobilier."

Understanding the house construction loan

This financing unlocks funds gradually as work progresses so you only pay interest on amounts actually used. It can cover both land purchase and building, ensuring you keep your budget fully under control.

Loan application conditions in 2025

Lenders assess your financial stability and usually expect a personal contribution of at least 10–20% of the overall cost. A reasonable debt ratio and a solid file will help you access the best rate. For projects in Massy, Palaiseau and Chilly-Mazarin, Nicolas Immobilier can add real value and optimise your borrowing strategy.

The PTZ advantage in 2025

The interest-free PTZ loan will make it easier than ever to buy or build a new home, especially for first-time buyers. As of April 2025, this PTZ covers up to 30% of construction costs for new detached houses anywhere in France, opening up your project to more possibilities.

Complementary solutions

Other attractive loans are available, such as the 1% Action Logement loan or eco-loans for energy-saving features. You can combine these to create a tailored, effective finance package for your project.

Free valuation and deep local market expertise

In Massy, Palaiseau and Chilly-Mazarin, a free property valuation (access the service here) is vital for a strong application. Knowing the value of your land protects your budget and reassures your bank. Nicolas Immobilier brings agility and negotiation skills to help you secure the best financing.

The advice of Nicolas Immobilier in Massy, Palaiseau and Chilly-Mazarin

Building your own house in 2025 has never been so achievable with tailored financing and full support. At Nicolas Immobilier, we place our experience – over 1400 satisfied clients – at your service through precise valuations, unmatched local knowledge and hands-on guidance. Read genuine reviews at client testimonials and enjoy personalised support: our team is your best asset in building your property future.

Nicolas Benoit, director of Nicolas Immobilier agency in Massy, Palaiseau and Chilly-Mazarin. Over 1400 satisfied clients vouch for his professionalism and perfect knowledge of the local market.

key topics

• Construction loan
• PTZ 2025
• House finance
• Free valuation
• Property price