Do you qualify for the Zero Rate Loan (ZLP) more than once?

Verified 24 October 2024 - Directorate for Legal and Administrative Information (Prime Minister)

Yes, as long as you have not owned your principal residence during the 2 years prior to obtaining PTZ: titleContent. But this condition is not required in certain situations: disability, disability, victim of natural or technological disaster, bare owner or usufructuary. As a reminder, the PTZ must be used to finance the purchase or construction of your future main residence, in addition to another real estate loan. We'll explain.

FYI  

You can get only one PTZ for a same real estate transaction.

General case

To finance a new real estate transaction, you can claim PTZ on condition that you have not owned your principal residence during the 2 years preceding the loan offer.

To obtain the PTZ, you must respect the others criteria for the award of the PTZ. In particular, your resources must not exceed a maximum amount.

To find out if your income does not exceed this maximum amount, you can use this simulator:

Calculate the amount of the zero interest loan (PTZ)

FYI  

You can request the transfer of your PTZ when you sell your principal residence purchased using a PTZ, to buy another.

Disability or disability

To finance a new real estate transaction, you can claim the PTZ, even if you have owned your principal residence in the 2 years preceding the loan offer, provided you are in one of the following situations:

  • You or another prospective home occupant has a mobility card inclusion including the words invalidity
  • You or another prospective home occupant has a disability card of 2e or 3e category (absolute incapacity to work)
  • You or another prospective occupant of the dwelling will collect theAAH: titleContent
  • You or another prospective occupant of the dwelling will collect theAEEH: titleContent.

To obtain the PTZ, you must respect the others criteria for the award of the PTZ. In particular, your resources must not exceed a maximum amount.

To find out if your income does not exceed this maximum amount, you can use this simulator:

Calculate the amount of the zero interest loan (PTZ)

Natural or technological disaster

To finance a new real estate transaction, you can claim the PTZ, even if you have owned your principal residence in the 2 years preceding the loan offer, when a disaster (natural or technological) has rendered your principal residence definitely uninhabitable.

To do this, you must meet the following conditions:

  • Apply for PTZ within 2 years of publication in the Official Journal of the order establishing the claim
  • Provide proof of the need to build or purchase a new home
  • Fill in the others criteria for the award of the PTZ. In particular, your resources must not exceed a maximum amount.

To find out if your income does not exceed this maximum amount, you can use this simulator as a guide:

Calculate the amount of the zero interest loan (PTZ)

Unowned or usufructuary

To finance a new real estate transaction, you can claim PTZ, even if you have been usufructuary or bare owner of your principal residence, during the 2 years preceding the loan offer.

To obtain the PTZ, you must respect the others criteria for the award of the PTZ. In particular, your resources must not exceed a maximum amount.

To find out if your income does not exceed this maximum amount, you can use this simulator:

Calculate the amount of the zero interest loan (PTZ)

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