Are you thinking of buying a house in Ruoms?
Whether you want to make it your main residence or enjoy a second home in southern Ardèche, one question always comes up:
How can you finance your property project in Ruoms wisely?
Here are the reliable schemes available in 2026, explained clearly.
The Zero Interest Loan (PTZ): a real springboard to home ownership
The Zero Interest Loan has been extended until 31 December 2027.
It allows you to finance part of your purchase without paying interest.
However, it is subject to specific rules.
Are you a first-time buyer?
You are considered a first-time buyer if you have not owned your main residence in the last two years.
This means that you may be eligible if:
- You were a tenant,
- You were living rent-free,
- You only own a second home.
This is an essential point for anyone wishing to buy a house in Ruoms as their main residence.
In what cases is the PTZ available?
The PTZ only finances a main residence.
There are two possible situations:
New housing
Since April 2025, the PTZ has been available for the purchase of new housing throughout the country, subject to income conditions.
Old housing requiring renovation
In rural communities such as Ruoms, the PTZ can finance old housing provided that the renovation work represents at least 25% of the total cost of the transaction.
Without this renovation work, the scheme does not apply.
This point is particularly strategic in our sector, where many stone houses are in need of renovation.
How much can you get?
The amount depends on:
- the composition of your household,
- your income,
- the geographical area,
- the type of property.
The ceilings and quotas change regularly.
A personalised simulation is essential.
The eco-PTZ: ideal for renovating a house in southern Ardèche
The zero-interest eco-loan exclusively finances energy renovation work.
It can be up to €50,000 depending on the scope of the project.
It covers in particular:
- insulation,
- heating,
- comprehensive renovations improving energy performance.
If you are planning to buy a property in Ruoms, this is a powerful tool if you are purchasing an older property.
It can be combined with:
- the PTZ,
- ANAH grants.
ANAH grants: improve and enhance your property
The French National Housing Agency offers grants through MaPrimeRénov'.
These grants are:
- Means-tested,
- Intended for owner-occupiers or landlords,
- Variable depending on the energy savings achieved.
For a property project in Ruoms involving renovation, these grants can significantly reduce the cost of the work.
Family donation: a boost for your project
Until 31 December 2026, a scheme allows you to receive up to €100,000 per parent tax-free, subject to conditions.
This sum must be used to finance:
- The purchase of a main residence,
- Or its energy renovation.
The beneficiary must occupy the property as their main residence for the legally stipulated period.
In a dynamic market such as Ruoms, this contribution can strengthen your bank application and secure your purchase.
Main residence or second home: be aware of the differences
To properly structure your property project in Ruoms, it is important to distinguish between:
✅ PTZ and eco-PTZ → reserved for main residences
✅ Tax-exempt donation → linked to the main residence
❌ Secondary residence → not eligible for PTZ
If you are buying a holiday home in Ardèche, the financial strategy will be different.
FAQ – Buying a house in Ruoms
Can I benefit from the PTZ if I have already been a homeowner?
Yes, if you have not owned your main residence for the last two years.
Does the PTZ work for a second home in Ruoms?
No. It is strictly reserved for main residences.
Can I combine the PTZ, eco-PTZ and Anah grants?
Yes, provided you meet the conditions specific to each scheme.
Structure your property project in Ruoms intelligently
Buying a house in southern Ardèche is not just about finding a property.
It's about:
- understanding the schemes you are entitled to,
- securing your financing legally,
- optimising your purchasing power.
Every situation is different.
If you are planning to buy a house in Ruoms or the surrounding area, I can help you analyse your eligibility for assistance and structure a coherent financing plan.
Contact me to discuss your project!
Local support makes all the difference.
