Frequently asked questions
Find all the answers to your questions about new-build property and how I support you.
General
Robin Worms is a broker specialized in new-build property. A new-build broker is an independent professional who guides clients in a personalized, strategic way at every stage of their property project.
For more than 8 years, Robin Worms has supported over 200 clients, whether buying a primary residence or making a profitable, secure investment in new-build property.
With a network of more than 150 partner developers, Robin Worms provides access to every new-build program, working only with serious, experienced and well-established developers — giving you access to the entire market, with no geographic limits.
Buying a new-build property follows several simple, secure steps.
It all starts with defining your project: your budget, your search criteria, your goals and the target area. This makes it possible to identify the new-build programs best suited to your situation.
Once you've chosen the property, you sign a reservation contract to secure the home. You then have a 10-day cooling-off period, after which you finalize your financing with the bank before signing the deed at the notary.
Payment is then made progressively as construction advances, until the home is delivered and the keys are handed over.
Many people think buying new-build is simple. In reality, several factors need to be mastered.
The search can be complex: many listings on SeLoger Neuf or LeBonCoin are imprecise, sometimes with fake listings, no prices, unclear floor plans, or no visibility on the homes actually available.
Comparing programs is essential. Just a street apart, one project may offer discounts, free notary fees or more advantageous terms, directly impacting your budget and your returns.
It's also important to know the available incentives (PTZ, reduced VAT…) and to understand VEFA, the payment schedule and the warranties.
With us, you get access to more than 150 developers and a complete view of the market. We filter properties to your criteria, centralize reliable information, and support you all the way to the handover of the keys.
Clarifying your budget and your goals.
Analyzing your borrowing capacity and building optimized financing scenarios.
Selecting solid, well-located projects aligned with your goals, thanks to a network of more than 150 developers.
Checking delivery timelines, the developer's quality and the project's potential.
A complete analysis of the chosen property so you can decide with full confidence.
Connecting you with a financing expert to compare and negotiate the best terms.
Rigorous monitoring during construction: payment calls, site progress, anticipating delivery.
Presence at handover with a thorough inspection of the property and recording of any reservations by a legal expert if needed.
Financing and incentives
Yes — depending on your profile, it's possible to buy new-build property with very little or no down payment. It mainly depends on your financial situation, your borrowing capacity, the combination of available incentives and the terms offered by the bank.
In some cases, schemes like the interest-free PTZ loan, along with certain developer offers (free notary fees, discounts…), can sharply reduce the down payment needed to make your project happen.
In certain areas, you can buy your primary residence as a new-build with reduced VAT of 5,5 % instead of 20 %, increasing your purchasing power by 14,5 %.
It lets you buy bigger, in a better location, or enjoy a project on a lighter budget — while boosting your property's resale value.
An interest-free loan offered by the State, financing up to 40 % of your project depending on your situation, with no interest to pay.
It increases your purchasing budget, eases your main loan, lowers your overall average rate and lets you buy with little or no down payment.
Price and costs
Buying new-build offers several advantages:
- Reduced or sometimes free notary fees. For example, for a property at 300 000 € : older property (~8 %) : 24 000 € in notary fees. New-build (~2,5 %) : 7 500 € in notary fees.
- The interest-free PTZ loan increases your purchasing power, as part of the financing carries no interest.
- Lower charges thanks to the latest energy standards.
- Property tax exemption for 2 years in many municipalities.
- Builder warranties and insurance that secure your purchase.
- Better finishes and modern homes.
- Better thermal and sound insulation.
- Little down payment needed for most projects.
With new-build, several warranties protect the buyer:
- Ten-year warranty (10 years): covers damage related to the building's structure.
- Two-year warranty (2 years): covers equipment that can be detached from the home.
- One-year completion warranty (1 year): covers defects reported at handover or during the following year.
These warranties let you buy with greater peace of mind and stay protected over the long term.
Off-plan purchase (VEFA)
No, if you're well supported:
- You pay according to construction progress (VEFA).
- You benefit from builder warranties (ten-year, two-year, completion).
- A financial completion guarantee if the developer goes bankrupt.
The real risk is choosing the wrong project or developer. With me, you have access to a network of serious, well-established developers.
A legal expert attends the handover to record any reservations, and in the event of a serious issue, I connect you with a specialized lawyer.
I'm there with you to check that the property conforms and to record any reservations.
Signing the handover report with confidence.
I stay by your side after handover for any reservations during the first year (one-year completion warranty).
Your new-build property broker, at your service
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