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Buying real estate without a significant down payment is an increasingly difficult challenge, especially for first-time buyers. While mortgage rates continue to exceed 3%, and new property prices remain high despite the crisis, the government is expanding access criteria for the zero-interest loan (PTZ) starting April 1st, 2025. A new development that relates to two lesser-known schemes, allowing for the purchase of a home at a lower cost and spreading out its acquisition. In a context where the lack of personal contribution hinders many households, co-acquisition could be an effective solution. This scheme, already tested by Crédit Mutuel Arkéa with its Duoprimo program, allows the buyer to fund a majority share of their property, while the bank covers up to 10% of the price. Such financial support stretches over a maximum duration of 10 years, after which the buyer repurchases the share held by the bank and becomes 100% owner of their home. From April 1st, this acquisition method can be financed through the PTZ, thereby facilitating access to housing for first-time buyers struggling to gather sufficient funds. How does co-acquisition work with PTZ? The government’s stated objective is clear: to reduce the financial barrier to homeownership. During the Mipim real estate fair, the Minister of Housing, Valérie Létard, justified this measure and explained that “the priority is to support households struggling with the current market conditions.” The integration of co-acquisition into the PTZ could indeed encourage more households to take the leap, providing them with a secure and gradual framework to finance their real estate project. The other alternative now eligible for PTZ is real estate dismemberment. This approach is similar to automobile leasing. The model is based on a simple principle: an investment fund buys a new property and then sells 50% to the buyer for a period of 25 years. Thus, the buyer only finances half of the total price, significantly reducing their initial debt. During this period, they have an option to purchase which allows them to regain full ownership when their financial situation permits. This solution, notably supported by the startup Neoproprio, offers a flexible and reassuring framework, with a usage right guaranteed by a notarial contract. The addition of this scheme within the PTZ framework opens new perspectives for households wishing to invest progressively. Through this type of financing arrangement, the government hopes to revive real estate buying in a market that is slowing down. However, these new mechanisms also raise questions about their actual accessibility: what will be the demand from banks? Will there be enough developers to offer these formulas? This decree, which specifies the income ceilings and financing quotas for the expanded PTZ, is expected within the next fifteen days, and should provide more clarity on the exact conditions for implementation. Such developments could mark a turning point for first-time buyers. With solutions tailored to current budgetary constraints , the government aims for a more gradual and inclusive approach to homeownership. It remains to be seen whether these schemes will appeal to banks and developers, and above all, if households seeking housing will take advantage of them.

AMOUNT: NGN 1,600,000.00 BENEFICIARY NAME: KINGSLEY CHIGOZIE CHIGOZIE EHIRIODO DATE: Sunday, 16 March 2025, 12:35 PM TRANSACTION TYPE: other-local-banks SENDER NAME: Nkemdirim Precious Raphael BENEFICIARY ACCOUNT: 7036017162 DESTINATION BANK: PALMPAY BANK

REX Shares has launched the REX Bitcoin Corporate Treasury Convertible Bond ETF. This will be a fund that invests in convertible bonds issued by companies that hold Bitcoin ( BTC ) in their corporate treasury, according to a company release. Convertible bonds are a type of debt that can be converted into company shares under certain conditions. Some companies use these bonds to raise money and buy Bitcoin for their balance sheets. The strategy gained attention after Michael Saylor, now Chairman of Strategy (formerly MicroStrategy ), used it to accumulate Bitcoin. BMAX simplifies access to this investment approach by packaging these bonds into an exchange-traded fund. ETFs allow investors to buy a basket of assets in one trade, similar to stocks. Instead of purchasing individual convertible bonds, investors can buy shares of BMAX to gain exposure to companies using this method. “BMAX is the first ETF giving retail investors and investment advisors access to convertible bonds issued by companies integrating Bitcoin into their financial strategy,” said Greg King, CEO of REX Financial. The fund focuses on companies like Strategy, which has issued multiple Bitcoin-backed convertible bonds. Investors in BMAX gain exposure to both the debt and potential equity upside of these companies while avoiding direct Bitcoin ownership. This provides an alternative way to engage with Bitcoin-linked investments without holding the asset itself. BMAX offers a regulated path to participate in this strategy, removing the complexities of sourcing individual bonds or managing Bitcoin transactions.

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The latest U.S. inflation data came in lower than expected, but Bitcoin struggled to maintain gains as trade war concerns weighed on sentiment. According to the economic latest data released on Mar. 12, February’s Consumer Price Index rose 2.8%, below the 2.9% forecast. Core CPI, which excludes food and energy, dropped to 3.1%, slightly better than the expected 3.2%. Markets responded by increasing bets on Federal Reserve rate cuts. Traders now price in a 31.4% chance of a cut in May, up from just 9% last month. The probability of three cuts by year-end jumped to 32.5%, while expectations for four cuts surged from 1% to 21%. Bitcoin ( BTC ) briefly surpassed $84,000 before falling back to $83,000, wiping off the majority of its post-CPI gains, despite the softer inflation data. Equities were unable to sustain early gains, and other financial markets also suffered. Analysts point to ongoing trade tensions as a key factor limiting risk appetite. Canada recently responded to U.S. steel and aluminum tariffs with $21 billion in tariffs on U.S. exports. The European Union then imposed additional tariffs on American goods valued at $28 billion. There is growing concern that rising trade disputes may raise inflationary pressures and complicate the Federal Reserve’s decision-making. According to The Kobeissi Letter, the U.S. faces a $9.2 trillion debt refinancing challenge in 2025. Without lower interest rates, borrowing costs could rise sharply, further straining the national debt, which now exceeds $36 trillion. Market uncertainty remains high, with investors closely watching developments in both monetary policy and global trade. On-chain data, meanwhile, indicates that cryptocurrency traders are losing confidence. Crypto-wide trading activity has been declining since its peak in late February, according to Santiment. Over the last two weeks, market capitalization losses have left traders hesitant, with signs of exhaustion and capitulation creeping in. Even Bitcoin’s CPI-driven bounce failed to spark any real uptick in trading activity. This type of volume decline typically indicates weak market momentum amid small price recoveries. Gains can swiftly wane in the absence of strong buying interest, leaving prices open to further declines. Retail and institutional traders appear to be in a holding pattern at the moment, waiting for the other to move. Until volume picks up meaningfully, caution is likely to dominate.