Zero-interest loan (PTZ or PTZ+) - Purchase of social housing
Verified 04 mars 2025 - Directorate for Legal and Administrative Information (Prime Minister)
You can buy social housing, under certain conditions.
PTZ can be used to finance in part the purchase of this dwelling, with or without work.
The PTZ can also finance the simultaneous construction or purchase of outbuildings (garage, parking space...).
It cannot be granted only one PTZ per real estate transaction.
Your future home must become your main residence:
- At the latest 1 year after its purchase or completion of the work
- Either from retirement, which must occur at the latest 6 years after the purchase or completion of the work. Until you retire, you can rent the accommodation, under certain conditions.
To qualify as your principal residence, you must inhabit it at least 8 months of the year. But a home that you occupy less than 8 months a year can still be considered your main residence, in one of the following cases:
- Force majeure
- Reason for health
- Obligation linked to the professional activity (regular travel, official accommodation...)
- Rental pending your retirement.
The amount of your income to be taken into account corresponds the greater of:
- Total of your reference tax income and that of other persons who will live in the dwelling. The tax income to be taken into account is that for year N-2. For a 2025 PTZ claim, this is the 2023 benchmark tax income, recorded on the 2024 tax notice. If you have revenue from the foreigner, it is to be taken into account. You will need to provide proof of this when applying for PTZ.
- Total cost of the real estate operation to be financed TTC divided by 9.
To obtain a PTZ, the amount of your income must be less than a certain amount.
This amount depends on the number of people housed and the municipality of your future dwelling.
Number of persons accommodated | Zone A or A bis | 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 |
From 8 | €161,700 | €113,850 | €103,950 | €94,050 |
A simulator makes it possible to know the area to which the municipality belongs:
Estimate the amount of PTZ
FYI
The PTZ is granted to you in addition to one or more loans. Its amount may not exceed the amount of loans that have a repayment term of at least 2 years.
You can estimate the amount of your PTZ using this simulator:
Calculate the amount of the zero interest loan (PTZ)
Know the calculation of the maximum amount of the PTZ
This amount depends in particular on the area of your future accommodation.
To know the area of your future home, you can use this simulator:
Know the area of his commune: A, Abis, B1, B2 or C
Répondez aux questions successives et les réponses s’afficheront automatiquement
In areas A and A bis
Reminder
The PTZ is granted to you in addition to one or more loans. Its amount may not exceed the amount of loans that have a repayment term of at least 2 years.
Your PTZ can represent up to 20% of the total cost of operation to be financed (TTC).
But the amount of total cost of operation to be financed shall be taken into account up to a maximum amount.
This maximum amount depends on the number of people accommodated.
Number of persons accommodated | Maximum Total Cost Considered | Maximum amount of PTZ |
|---|---|---|
1 | €150,000 | €30,000 |
2 | €225,000 | €45,000 |
3 | €270,000 | €54,000 |
4 | €315,000 | €63,000 |
5 and up | €360,000 | €72,000 |
Example :
For 1 couple with 2 children (thus 4 people) in zone A, the maximum total cost taken into account is €315,000.
- If the operation cost is equal to or greater than €315,000, then the maximum amount of the PTZ is €315,000 x 20% = €63,000.
- If the total cost of the operation is €150,000, this amount is less than €315,000, then the maximum amount of the PTZ is €150,000 x 20% = €30,000.
The amount of your PTZ shall be fixed taking into account the maximum amount of PTZ thus determined, and characteristics of other loans to finance your real estate project.
Indeed, the amount of the PTZ must not exceed the amount of the other loan(s) of more than 2 years that finance, with the PTZ, your real estate project.
In zone B1
Reminder
The PTZ is granted to you in addition to one or more loans. Its amount may not exceed the amount of loans that have a repayment term of at least 2 years.
Your PTZ can represent up to 20% of the total cost of operation to be financed (TTC).
But the amount of total cost of operation to be financed shall be taken into account up to a maximum amount.
This maximum amount depends on the number of people accommodated.
Number of persons accommodated | Maximum Total Cost Considered | Maximum amount of PTZ |
|---|---|---|
1 | €135,000 | €27,000 |
2 | €202,500 | €40,500 |
3 | €243,000 | €48,600 |
4 | €283,500 | €56,700 |
5 and up | €324,000 | €64,800 |
Example :
For 1 couple with 2 children (thus 4 people) in zone B1, the maximum total cost taken into account is €283,500.
- If the operation cost is equal to or greater than €283,500, then the maximum amount of the PTZ is €283,500 x 20% = €56,700
- If the total cost of the operation is €150,000, this amount is less than €283,500, then the maximum amount of the PTZ is €150,000 x 20% = €30,000.
The amount of your PTZ shall be fixed taking into account the maximum amount of PTZ thus determined, and characteristics of other loans to finance your real estate project.
Indeed, the amount of the PTZ must not exceed the amount of the other loan(s) of more than 2 years that finance, with the PTZ, your real estate project.
In zone B2
Reminder
The PTZ is granted to you in addition to one or more loans. Its amount may not exceed the amount of loans that have a repayment term of at least 2 years.
The amount of PTZ that can be granted to you can go up to 20% of the total cost of operation to be financed (TTC).
But the amount of total cost of operation to be financed shall be taken into account up to a maximum amount.
This maximum amount depends on the number of people housed and the area of the accommodation.
Number of persons accommodated | Maximum Total Cost Considered | Maximum amount of PTZ |
|---|---|---|
1 | €110,000 | €22,000 |
2 | €165,000 | €33,000 |
3 | €198,000 | €39,600 |
4 | €231,000 | €46,200 |
5 and up | €264,000 | €52,800 |
Example :
For a couple with 2 children (thus 4 occupants) who buy a house in the zone B2, the ceiling of the total cost of the operation is €231,000.
- If the total cost of the operation is €150,000, which is less than €231,000, then the maximum amount of the PTZ is €150,000 x 20% = €30,000.
- If the total cost of the operation is equal to or greater than this amount, then the maximum amount of the PTZ is €231,000 x 20% = €46,200.
The amount of your PTZ shall be fixed taking into account the maximum amount of PTZ thus determined, and characteristics of other loans to finance your real estate project.
Indeed, the amount of the PTZ must not exceed the amount of the other loan(s) of more than 2 years that finance, with the PTZ, your real estate project.
In zone C
Reminder
The PTZ is granted to you in addition to one or more loans. Its amount may not exceed the amount of loans that have a repayment term of at least 2 years.
The amount of PTZ that can be granted to you can go up to 20% of the total cost of operation to be financed (TTC).
But the amount of total cost of operation to be financed shall be taken into account up to a maximum amount.
This maximum amount depends on the number of people housed and the area of the accommodation.
Number of persons accommodated | Maximum Total Cost Considered | Maximum amount of PTZ |
|---|---|---|
1 | €100,000 | €20,000 |
2 | €150,000 | €30,000 |
3 | €180,000 | €36,000 |
4 | €210,000 | €42,000 |
5 and up | €240,000 | €48,000 |
Example :
For a couple with 2 children (thus 4 occupants) who buy a house in zone C, on total cost maximum taken into account is €210,000.
- If the total cost of the operation is €150,000, which is less than €210,000, then the maximum amount of the PTZ is €150,000 x 20% = €30,000.
- If the total cost of the operation is equal to or greater than this amount, then the maximum amount of the PTZ is €210,000 x 20% = €42,000.
The amount of your PTZ shall be fixed taking into account the maximum amount of PTZ thus determined, and characteristics of other loans to finance your real estate project.
Indeed, the amount of the PTZ must not exceed the amount of the other loan(s) of more than 2 years that finance, with the PTZ, your real estate project.
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In areas A and A bis
Reminder
The PTZ is granted to you in addition to one or more loans. Its amount may not exceed the amount of loans that have a repayment term of at least 2 years.
Your PTZ can represent up to 20% of the total cost of operation to be financed (TTC).
But the amount of total cost of operation to be financed shall be taken into account up to a maximum amount.
This maximum amount depends on the number of people accommodated.
Number of persons accommodated | Maximum Total Cost Considered | Maximum amount of PTZ |
|---|---|---|
1 | €150,000 | €30,000 |
2 | €225,000 | €45,000 |
3 | €270,000 | €54,000 |
4 | €315,000 | €63,000 |
5 and up | €360,000 | €72,000 |
Example :
For 1 couple with 2 children (thus 4 people) in zone A, the maximum total cost taken into account is €315,000.
- If the operation cost is equal to or greater than €315,000, then the maximum amount of the PTZ is €315,000 x 20% = €63,000.
- If the total cost of the operation is €150,000, this amount is less than €315,000, then the maximum amount of the PTZ is €150,000 x 20% = €30,000.
The amount of your PTZ shall be fixed taking into account the maximum amount of PTZ thus determined, and characteristics of other loans to finance your real estate project.
Indeed, the amount of the PTZ must not exceed the amount of the other loan(s) of more than 2 years that finance, with the PTZ, your real estate project.
In zone B1
Reminder
The PTZ is granted to you in addition to one or more loans. Its amount may not exceed the amount of loans that have a repayment term of at least 2 years.
Your PTZ can represent up to 20% of the total cost of operation to be financed (TTC).
But the amount of total cost of operation to be financed shall be taken into account up to a maximum amount.
This maximum amount depends on the number of people accommodated.
Number of persons accommodated | Maximum Total Cost Considered | Maximum amount of PTZ |
|---|---|---|
1 | €135,000 | €27,000 |
2 | €202,500 | €40,500 |
3 | €243,000 | €48,600 |
4 | €283,500 | €56,700 |
5 and up | €324,000 | €64,800 |
Example :
For 1 couple with 2 children (thus 4 people) in zone B1, the maximum total cost taken into account is €283,500.
- If the operation cost is equal to or greater than €283,500, then the maximum amount of the PTZ is €283,500 x 20% = €56,700
- If the total cost of the operation is €150,000, this amount is less than €283,500, then the maximum amount of the PTZ is €150,000 x 20% = €30,000.
The amount of your PTZ shall be fixed taking into account the maximum amount of PTZ thus determined, and characteristics of other loans to finance your real estate project.
Indeed, the amount of the PTZ must not exceed the amount of the other loan(s) of more than 2 years that finance, with the PTZ, your real estate project.
In zone B2
Reminder
The PTZ is granted to you in addition to one or more loans. Its amount may not exceed the amount of loans that have a repayment term of at least 2 years.
The amount of PTZ that can be granted to you can go up to 20% of the total cost of operation to be financed (TTC).
But the amount of total cost of operation to be financed shall be taken into account up to a maximum amount.
This maximum amount depends on the number of people housed and the area of the accommodation.
Number of persons accommodated | Maximum Total Cost Considered | Maximum amount of PTZ |
|---|---|---|
1 | €110,000 | €22,000 |
2 | €165,000 | €33,000 |
3 | €198,000 | €39,600 |
4 | €231,000 | €46,200 |
5 and up | €264,000 | €52,800 |
Example :
For a couple with 2 children (thus 4 occupants) who buy a house in the zone B2, the ceiling of the total cost of the operation is €231,000.
- If the total cost of the operation is €150,000, which is less than €231,000, then the maximum amount of the PTZ is €150,000 x 20% = €30,000.
- If the total cost of the operation is equal to or greater than this amount, then the maximum amount of the PTZ is €231,000 x 20% = €46,200.
The amount of your PTZ shall be fixed taking into account the maximum amount of PTZ thus determined, and characteristics of other loans to finance your real estate project.
Indeed, the amount of the PTZ must not exceed the amount of the other loan(s) of more than 2 years that finance, with the PTZ, your real estate project.
In zone C
Reminder
The PTZ is granted to you in addition to one or more loans. Its amount may not exceed the amount of loans that have a repayment term of at least 2 years.
The amount of PTZ that can be granted to you can go up to 20% of the total cost of operation to be financed (TTC).
But the amount of total cost of operation to be financed shall be taken into account up to a maximum amount.
This maximum amount depends on the number of people housed and the area of the accommodation.
Number of persons accommodated | Maximum Total Cost Considered | Maximum amount of PTZ |
|---|---|---|
1 | €100,000 | €20,000 |
2 | €150,000 | €30,000 |
3 | €180,000 | €36,000 |
4 | €210,000 | €42,000 |
5 and up | €240,000 | €48,000 |
Example :
For a couple with 2 children (thus 4 occupants) who buy a house in zone C, on total cost maximum taken into account is €210,000.
- If the total cost of the operation is €150,000, which is less than €210,000, then the maximum amount of the PTZ is €150,000 x 20% = €30,000.
- If the total cost of the operation is equal to or greater than this amount, then the maximum amount of the PTZ is €210,000 x 20% = €42,000.
The amount of your PTZ shall be fixed taking into account the maximum amount of PTZ thus determined, and characteristics of other loans to finance your real estate project.
Indeed, the amount of the PTZ must not exceed the amount of the other loan(s) of more than 2 years that finance, with the PTZ, your real estate project.
The repayment term of the PTZ cannot not to exceed 25 years.
The repayment term depends on how much you earn. The higher your income, the shorter the term of the loan.
The PTZ must be refunded:
- Either in 1 period only
- That is, in 2 periods, when there is a delay in repayment. During 1re period, that of the deferred, you do not refund your PTZ. This period may not be less than 2 years.
Only financial institutions having signed an agreement with the State (for example, a bank) may grant a PTZ.
Each institution shall evaluate freely your ability to repay a loan (called your creditworthiness) and your warranties.
The hotel is not obligatory to grant you the PTZ.
You must apply for the PTZ in addition to at least 1 other loan.
This may include one of the following loans:
- Social Accession Loan (SAP)
- Agreed loan
- "Classic" Bank Mortgage
- Home Savings Loan
- Supplementary loan.
Who can help me?
Find who can answer your questions in your region
Terms of the loan
Terms of the loan
Maintenance of the loan
Maintenance of the loan
Loan amount (deal amount and applicable rate)
Length of loan
Definition of a new building after completion of works (2° of 2 of I of Article 257)
To know the area of the municipality
To know the municipalities where you can benefit from a PTZ in the old with working conditions
Document template
Ministry of Economy
Ministry responsible for the city
National Agency for Housing Information (Anil)
National Agency for Housing Information (Anil)
Ministry of Housing
General Directorate of Public Finance