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Mortgage guarantee scheme
Facilitates access to mortgage loans for low-income households
Guarantees for “social homeowning loans” and 0 % mortgages managed by SGFGAS on behalf of the State, reduce the risk of lenders and allows borrowers to access the personalized housing benefits scheme (APL).
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0% mortgage
Helping low-income households for their first home purchase
SGFGAS provides services to banks to distribute the 0 % mortgages, and to receive State compensation for the lack of interest and grace period which borrowers benefit from.
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0% Eco-Loan
Finances energy-saving works in existing properties
SGFGAS provides services to banks to distribute the 0 % loans, including co-ownerships an non-profit associations, and to receive State compensation for the lack of interest and grace period which borrowers benefit from.
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Home Savings programs
Access to preset saving and loan rates
The savings accounts and plans offer stable, preset returns and, when buying or renovating a property, access to loans and a State cash bonus. SGFGAS is tasked by the State with monitoring the schemes, collating data and providing assistance to banks.
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Latest publications
- Historique des taux plafonds PC Last updated on 05/11/2024
- 2024 T2 - PTZ Emissions.pdf Last updated on 08/10/2024
- 2024 T2 - PTZ Répartition régionale et départementale.pdf Last updated on 08/10/2024
- 2023 - FGAS Annexes au bilan annuel.pdf Last updated on 01/10/2024
- 2021-2022 - PC Archives.zip Last updated on 30/07/2024