Real Estate Purchase

What are the new conditions to qualify for the zero-interest loan?

Publié le 12 avril 2024 - Directorate for Legal and Administrative Information (Prime Minister)

PTZ (zero-interest loan) allows you to finance a portion of your principal residence purchase without paying interest or application fees. The types of real estate transactions, as well as the scope of eligibility and scales linked to the different geographical areas, have changed. This loan is granted, inter alia, on conditions of resources. The revenue ceilings to benefit from it were raised on 1er April 2024. Service-Public.fr explains.

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Image 1Crédits: Shisu_ka - stock.adobe.com
For what types of purchases can you benefit from the PTZ?

Since 1er April 2024, you can get the PTZ:

  • for the acquisition or construction of a new dwelling in a tense public housing unit, i.e in a municipality belonging to zone A, Abis or B1 (New detached houses are therefore now excluded from the stretched area PTZ scheme);
  • for the purchase of an old dwelling situated in a restricted area (a municipality belonging to zone B2 or C), on condition that renovations are envisaged. This work must represent at least 25% of the total amount of your real estate transaction;
  • in all areas, for the purchase of a new dwelling under a rent-to-own arrangement (a device that allows a tenant to gradually acquire a dwelling), a real joint and several lease (a mechanism that allows to become the owner of the built-up part of the dwelling while being a tenant of the land) or a homeownership contract with a reduced rate of VAT;
  • for the purchase of the social housing of which you are a tenant, in all areas;
  • for the conversion into a dwelling of an existing premises not initially used for that purpose in all areas.

FYI  

A “A/B/C” geographic zoning system is used to define the level of resources that must not be exceeded in order to qualify for the zero-interest loan. This ranking is based on whether there is a match or imbalance between housing supply and demand (area A is characterized by the largest imbalance, and area C by the largest match between supply and demand). You can know the area on which your home depends thanks to this simulator.

Reminder

The PTZ can't finance your entire property purchase. You must use one or more other loans (traditional bank loan, home savings loan, social accession loan...).

What are the new resource ceilings to take advantage of it?

The various ceilings on resources were increased on 1er April 2024; the resources taken into account correspond to the reference tax income for year N-2 of the persons who will live in housing (for example, for the year 2024 it is the reference tax income for the year 2022).

Tableau - The annual resource ceilings that should not be exceeded depending on the composition of your household and the area where your future dwelling is located

Number of persons occupying housing

Zone A

Zone B1

Zone B2

Area C

1

€49,000

€34,500

€31,500

€28,500

2

€73,500

€51,750

€47,250

€42,750

3

€88,200

€62,100

€56,700

€51,300

4

€102,900

€72,450

€66,150

€59,850

5

€117,600

€82,800

€75,600

€68,400

6

€132,300

€93,150

€85,050

€76,950

7

€147,000

€103,500

€94,500

€85,500

At least 8 people

€161,700

€113,850

€103,950

€94,050

Reminder

to qualify for the zero-interest loan, you must not have owned your principal residence for the 2 years prior to applying for the loan (for some profiles, this condition is not required).

What is the amount of the zero-interest loan?

To find out the amount of the PTZ according to your situation, you can consult our factsheet.

Additional topics

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