Zero-interest loan (PTZ or PTZ+) - Purchase of new housing
Verified 04 mars 2025 - Directorate for Legal and Administrative Information (Prime Minister)
The PTZ can also be used for the construction or simultaneous purchase of outbuildings (garage, parking space...).
But only one PTZ may be granted for a single real estate transaction.
The conditions to be met depend on the date of the loan offer made to you:
Loan offer issued as of April 2025
Your future home must become your primary 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.
Loan offer issued until March 2025
Your future accommodation must be in a municipality in zone A, Abis, or B1.
To know the area of the commune of your future housing, you can use this simulator:
Know the area of his commune: A, Abis, B1, B2 or C
Your future housing must be located in a public dwelling, i.e. comprising more than 2 housings, partially or totally superposed.
Your future home must become your primary 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 conditions depend on the date of the loan offer made to you.
Loan offer issued as of April 2025
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:
Loan offer issued until March 2025
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.
FYI
You can only obtain the PTZ if the municipality of your future dwelling is located in zone A, A bis or B1.
Number of persons accommodated | Zone A or A bis | Zone B1 |
|---|---|---|
1 person | €49,000 | €34,500 |
2 people | €73,500 | €51,750 |
3 people | €88,200 | €62,100 |
4 people | €102,900 | €72,450 |
5 people | €117,600 | €82,800 |
6 people | €132,300 | €93,150 |
7 people | €147,000 | €103,500 |
From 8 people | €161,700 | €113,850 |
A simulator makes it possible to know the area to which the municipality belongs:
Reminder
The PTZ must be used to finance the purchase or construction of your future principal residence, in addition to another real estate loan.
The PTZ must be used to purchase or build your principal residence, in addition to another real estate loan.
You must not have owned your principal residence in the 2 years prior to the TTZ.
But that prohibition doesn't apply if you are in at least 1 of the following :
- You have either usufruct, or bare-ownership of your principal residence
- You or one of the occupants of the dwelling have a mobility card inclusion marked invalidity, or a disability card of 2e or 3e category (absolute inability to work), or collect theAAH : or theAEEH :
- A natural or technological disaster has made your home permanently uninhabitable. In this case, you must apply for a loan within 2 years of the publication of the order establishing the disaster.
FYI
If you have obtained a PTZ and are selling your home to buy a new one, you can request the transfer of your PTZ.
Estimate the amount of PTZ
You can estimate the amount of your PTZ using this simulator:
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