SimuHabitat-Simulez achat immo

🏠 SimuHabitat — Your real estate project, clearly itemized.

Simulate, compare, and understand all the financial aspects of your property purchase. Free, ad-free, no account required, 100% French.

━━━━━━━━━━━━━━━━━━━━━━━━

⚡ QUICK SIMULATION Enter price, down payment, interest rate, and property type → instant monthly payments over 10, 15, 20, and 25 years, including notary fees and total interest.

⚙️ COMPLETE SIMULATION • Profile: owner or tenant, current loans, multiple savings with individual returns • Differentiated rate by term (10/15/20/25 years) • HCSF compliance: verification of the 35% threshold including insurance • Fixed price or comparative range • Year-by-year projection: waiting costs, cumulative rent, interest paid, utility savings • PTZ, IRA, notary fees (existing 8% / new 2.5%), guarantee, bank file • Borrower insurance estimated according to age • Automatic search for the HCSF feasibility date

📊 SMART RESULTS • Summary Mode: term recommendation, feasibility badge, debt gauge, quick comparison • Detailed Mode: complete breakdown (principal, interest, insurance, total cost, savings vs. waiting time) • Contextual floating header during scrolling • Profitability indicators: vs. previous period and vs. start date

📈 RATE OF REAL-TIME MARKET • Automatic retrieval from meilleurtaux.com, empruntis.com, pretto.fr • Interactive history since 2000 with touch graph • Filtering by period (3M, 6M, 1Y, 2Y, all) and by duration • Transfer of rates to the simulation with one click • Offline fallback data

🛡️ MORTGAGE INSURANCE • Estimate by age bracket (< 25 to 65+) • Complete table of indicative rates • Automatic transfer to settings

🔨 HOME IMPROVEMENTS ESTIMATOR • 15 categories: painting, flooring, kitchen, bathroom, electricity, plumbing, insulation, windows, partitions, heating, roofing, facade, doors, stairs, earthworks • Quality slider per category (entry-level → luxury) • 3 presets: Refresh, Standard, Complete • Detailed summary + transfer to the simulation

📚 INTEGRATED GUIDE Detailed breakdown of notary fees, HCSF regulations, zero-interest loans (PTZ) (conditions, zones, limits), early repayment penalties (IRA), insurance (Lemoine Law), savings returns, regulated savings accounts for 2024-2025, pre-signing checklist.

━━━━━━━━━━━━━━━━━━━━━━━━

🎨 DESIGN • Dark 🌙 / Light ☀️ theme • Intuitive tabbed navigation • Automatic settings saving

✅ BENEFITS ✔ Free, ad-free ✔ No account required ✔ No data collected — 100% local calculations ✔ Works offline ✔ Adapted to the French market (HCSF, PTZ, notary, savings accounts)

⚠️ Informational tool only. Does not constitute financial advice. Consult a licensed advisor, notary, or broker before making any purchase decision.

If you also want to replace any variants (“Immo Sim”, “immosim”, Android package name, URL, etc.), I can adapt them as well.