Independent new-home developer in the Rhône-Alpes region
A small, close-knit team
Villes & Villages brings together all the expertise needed to successfully complete new real estate development projects. Human connections and professional expertise are the guiding principles that drive our leadership team every day, enabling us to bring real estate projects to life while striving for excellence for our clients and investors.
For a valuable and sustainable legacy
Buying a home is often a once-in-a-lifetime investment. Whether you plan to live in the property or build wealth, the quality of the location, the quality of construction, the durability of the fixtures and fittings, and the technological and energy-efficient features all contribute to the intrinsic value of an apartment or house, which will stand the test of time over several decades.
Villes et Villages Créations always Villes et Villages Créations and developed its real estate projects with this long-term, value-preserving vision in mind. Building durable properties that retain their value for years to come—that is a commitment that only a regional, independent, and community-focused developer can guarantee. At the local level, a strong reputation is essential to earning trust.
Design, innovations, technologies, and landscapes…
Pathways, shrubs, green spaces, entryways, common areas, security systems, home automation, heating systems, energy efficiency, floor and wall finishes, carpentry, locksmith work… Every detail of a project shapes its identity, its level of quality, and the well-being and quality of life for its residents.
From design to completion, we pay close attention to detail to make a difference…
WHAT IS A VEFA?
Buy new from a homebuilder
Off-plan sales, known as “sales of property under construction” (VEFA), allow you to become a homeowner as construction progresses, with payments made in installments. This real estate sales method is strictly regulated by law—specifically Articles L261-1 and following of the French Building and Housing Code.
MORTGAGE
Finance your purchase
To finance the purchase of a new off-plan apartment, we recommend that you thoroughly assess your financing capacity. This refers to the amount of your down payment, combined with the amount of the mortgage you can obtain from a bank.
Banks and financial institutions that specialize in mortgages will provide you with various estimates based on your situation. Be sure to calculate all costs (insurance, guarantees, application fees, etc.) so you can compare options, and take the time to learn about the many public and private assistance programs available to help you become a homeowner.
BUYING NEW OFF-PLAN
From booking to delivery
To secure an off-plan apartment or house, you’ll sign a reservation agreement with our account manager. Construction proceeds in several phases under the VEFA (off-plan purchase) framework, and payment calls are made according to the schedule established as part of your mortgage.
You will take possession of your home on the handover date, which will be sent to you by mail three months in advance. Villes & Villages oversees the construction process; you will be kept informed and, if necessary, consulted on certain decisions.
WHAT IS THE BRS?
BRS: Making Homeownership More Accessible
The Solidarity-Based Lease (BRS) is a program that was recently introduced in France. It was created to facilitate access to homeownership. Its implementation is overseen by various solidarity-based land organizations (OFS), which are nonprofit entities approved by the regional prefect and working in the public interest.
THE PRINCIPLE OF THE BRS
The purchase of the building alone
Unlike a “traditional” purchase, which involves buying both the land and the home, with a BRS, ownership of the land is held by the community land organization that is assisting you. You acquire only the structure—the home, along with any outbuildings and parking—while remaining a tenant of the land for a nominal fee. This significantly reduces the total cost of your purchase.
FOR A BRS OFF-PLAN PURCHASE
Eligibility Requirements
The BRS program can be applied for when purchasing a home off-plan or an existing home that is already covered by the BRS program. Eligibility is subject to income requirements and depends on the number of people who will occupy the home. The reference taxable income limits vary depending on the geographic zone (A, B, or C). Your advisor will help you determine your eligibility.
The Federation of Real Estate Developers of the Alps
The Alps Federation of Real Estate Developers offers a comprehensive website dedicated to careers in construction and real estate development. With nearly 40 members, the Alps Federation is very active and regularly shares information about its commitments and initiatives on its website.
The PTZ (zero-interest loan) program has been extended through 2027
Since April 1, 2025, the zero-interest loan (PTZ) has been available in all municipalities across France, with no geographic restrictions, and applies to both houses and apartments. This measure will remain in effect until December 31, 2027. It simplifies access to homeownership by eliminating zoning restrictions and allows more households to benefit from it.
The zero-interest loan can finance up to 50% of the cost of a new home.
To finally become a homeowner or buy a larger home, contact us!
Information on www.economie.gouv.fr: Zero-Interest Loan (PTZ)
VAT at 5.5% instead of 20%
Designed to make home ownership more accessible, the reduced VAT rate of 5.5% may, under certain conditions, apply to the purchase of a new home. In particular, the property must serve as the buyer’s primary residence and must be located in an ANRU zone—that is, a neighborhood covered by an urban renewal plan.
MAKE THE MOST OF YOUR ASSETS
Investing in real estate to reduce your tax liability
Denormandie, Malraux, or Historic Monuments… These programs offer opportunities to build a solid estate through real estate tax exemptions. Once the tax commitment has ended, you can use the property as you see fit: as a second home, for resale, or to pass it on to your heirs.
INVESTING IN REAL ESTATE
Stone: a safe bet
Real estate is one of the safest ways to build wealth, especially over the long term. Tax breaks for real estate investments allow you to build wealth while reducing your tax liability.
In addition to its financial value, a home has practical value—you can live in it or rent it out. The money you invest in it always pays off.
Investing in real estate also helps drive the economy and, above all, contributes to social progress by supporting the construction of new housing.
TAX EXEMPTION FOR REAL ESTATE
The PINEL Law [This program ended on December 31, 2024]
The Pinel Law is a simple and advantageous tax scheme that allows you to invest in rental property. It offers an opportunity to build personal wealth while enjoying the benefits of a significant tax reduction, which can amount to as much as €52,500 over 12 years.
- The PINEL Act applies to off-plan purchases.
- The property must be rented for at least 6 years.
- There are areas eligible under the PINEL Act.
- The tax reduction can range from 10.5% to 17.5%.
- Depending on the lease term, which ranges from 6 to 12 years.
- It is possible to rent the property to a family member.
INVESTING IN OLDER PROPERTIES
Tax Incentives for Building Renovation
Operating throughout the Auvergne-Rhône-Alpes region, our experience enables us to provide municipalities, local authorities, and investors with a comprehensive and reliable solution in the areas of property revitalization and rental investment—a source of sustainable development and local economic growth.
"*" indicates required fields
This information is necessary to properly process your request and to enable us to send you content tailored to your interests. In accordance with the French Data Protection Act, you may exercise your right to access your personal data by contacting us. Visit our page Privacy Policy to learn more.
* These fields are required.