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Duration: From contract to keys — 12 to 36 months depending on the progress of the yard
Cost: Notary (~2–3 % in new); ready; sometimes booking fees 3–5 %
On-site only
Who this guide is for
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- Those planning to buy a new apartment
- Investors interested in Pinel / Denormandie (tax benefits)
- First purchasers eligible for the PTZ
To be prepared in advance
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- Budget and loan agreement (taxation notice, credit offer)
- Mass plan, descriptive notice, housing plans
- Information on the proponent and the building permit
Step-by-step procedure
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- 1Study the project: location, plan, materials, finishes (DPE, sound insulation). Check the building permit and the promoter's reputation (delivery history).
- 2Sign the reservation agreement. From there, you have 10 days to retract without charge (retraction period). Check price, schedule, conditions.
- 3Upon receipt of the draft deed (notary's) — you have 1 months before signing at the notary. It's time to recheck everything and finalize the loan.
- 4Legal Step Payment: 35 % at Foundations, 70 % at Work, 95 % at Completion, 100 % at Key Delivery. Follow the match with the promotion.
- 5Delivery of keys: inspect the accommodation and write a report (PV) with reservations on defects. You have 1 months to formulate reservations, 1 years for apparent disorders, 2 years for non-conformities, 10 years for hidden defects (decade guarantee).
- 6Tax benefits: check the eligibility Pinel/Denormandie (if you rent) or PTZ (Zero rate loan for first-time dealer). This reduces the tax or loan rate.
- 7Syndic: Once delivered, the co-ownership is formed. Check the amount of expenses, often higher in the nine with benefits.
Common mistakes
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- Sign the reservation contract in haste, without using the 10 withdrawal days.
- Do not check the promoter's reputation — risk of delays or bankruptcy.
- Missing the deadline of reservations upon receipt — difficult then to obtain redress.
- Underestimating the loads of the new (lift, guard) — often higher than expected.
- Do not provide a delivery time in the financial plan (loan, lease in progress).
Official sources
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Show sources in this section
Important remark
VEFA is a complex contract with risks. This information is indicative — notarial accompaniment and, if necessary, a real estate lawyer is indispensable.
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