Zero-interest loan (PTZ or PTZ+) - Conversion of premises into housing

Verified 27 mars 2025 - Directorate for Legal and Administrative Information (Prime Minister)

Your situation

  • You transform an existing premises into housing
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The PTZ can finance in part the conversion of premises into housing (with or without purchase).

It 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 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 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.

Tableau - The amount that your income must be less to get the PTZ based on the location of the dwelling and the number of people housed

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:

Know the area of his commune: A, Abis, B1, B2 or C

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:

Calculate the amount of the zero interest loan (PTZ)

Know the calculation of the maximum amount of the PTZ

The maximum amount of your PTZ is calculated from several information:

1re information: the total cost of the property transaction to be financed TTC

But that total cost, taken into account in determining the PTZ, is capped.

Here's the maximum cost taken into account for the calculation of the PTZ :

Tableau - Maximum cost of the real estate transaction taken into account for the calculation of the PTZ according to the number of persons housed and the location of the housing

Number of persons accommodated

Maximum cost of the real estate transaction taken into account for the calculation of the PTZ

Zone A or A bis

Zone B1

Zone B2

Area C

1 person

€150,000

€135,000

€110,000

€100,000

2 people

€225,000

€202,500

€165,000

€150,000

3 people

€270,000

€243,000

€198,000

€180,000

4 people

€315,000

€283,500

€231,000

€210,000

From 5 people

€360,000

€324,000

€264,000

€240,000

Example :

For a house, which will be inhabited by 2 people, located in a municipality in zone Cand whose total cost of the operation to be financed (including VAT) is €163,000, on total cost taken into account for the calculation of the PTZ is €150,000.

Reminder

A simulator allows you to know the area of the municipality of your accommodation:

Know the area of his commune: A, Abis, B1, B2 or C

2e information: the amount of your income

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.

3e information: the income bracket to which you belong

You can know the income bracket to which you belong, using the amount of your income.

To do this, you must divide the amount of your income by a family coefficient.

This family ratio depends on the number of people housed.

The family coefficients to be used are:

Tableau - PTZ: family coefficient to be used according to the number of people housed

Number of persons accommodated

Family factor to be used

1 person

1

2 people

1.5

3 people

1.8

4 people

2.1

From 5 people

2.4

Example :

For a dwelling that will be inhabited by 2 people, the family coefficient to be used is 1.5.

For a income amount is €30,000, The income bracket is determined using the following calculation: €30,000/1.5 = €20,000.

To know the income bracket to which you belong, you have to compare the amount obtained (by dividing the amount of your income by your family coefficient) to the following amounts. :

Tableau - PTZ: determine the income bracket you belong to

Amount of your income divided by your family coefficient

Corresponding income bracket

Zone A or A bis

Zone B1

Zone B2

Area C

Up to €25,000

Up to €21,500

Up to €18,000

Up to €15,000

Slice 1

From €25,001 to €31,000

From €21,501 to €26,000

From €18,001 to €22,500

From €15,001 to €19,500

Slice 2

From €31,001 to €37,000

From €26,001 to €30,000

From €22,501 to €27,000

From €19,501 to €24,000

Slice 3

From €37,001 to €49,000

From €30,001 to €34,500

From €27,001 to €31,500

From €24,001 to €28,500

Slice 4

Example :

For a house whose municipality is in zone C, which will be inhabited by 2 people, and the amount of which obtained by dividing the amount of your income by the family coefficient is €20,000, the income bracket correspondent is the tranche 3.

Using the income bracket so determined, you can know the maximum amount of your PTZ.

To do this, you need to multiply the total cost taken into account for the calculation of the PTZ by a percentage which varies according to your income bracket.

Here are these percentages :

Tableau - Maximum share of the PTZ in the financing of the real estate project

Income bracket

Matching Percentage

Slice 1

50%

Slice 2

40%

Slice 3

40%

Slice 4

20%

Example :

For a dwelling with total cost taken into account for the calculation of the PTZ is €150,000, and belonging to the tranche 3, the maximum amount of the PTZ is €150,000 x 40% = €60,000.

The amount of your PTZ shall be fixed taking into account your income bracket, of the maximum amount of the PTZ thus determined, and characteristics of other loans to finance your real estate project:

  • For income brackets 2, 3 and 4, the amount of the PTZ must not exceed the amount of the other loan(s) over 2 years that finance your real estate project with the PTZ.
  • For income bracket 1, the amount of the TTZ must not exceed 25% the amount of the other loan(s) over 2 years that finance your real estate project.

Example :

For income bracket 1 and a real estate project including the total cost of operation to be financed is €100,000, with a 20-year loan and a PTZ.

Your situation (income and location of the accommodation) allows you to obtain a PTZ equivalent to 50% of this amount, i.e €100,000 x 50% = €50,000.

In this case, your PTZ amount must not exceed your other loan amount by more than €50,000 x 25%= €12,500.

This means that if you have a personal contribution for your other loan:

  • The amount of your other loan and your personal contribution must total €50,000
  • The amount of your other loan must not be less than €50,000 - €12,500 = €37,500
  • Your personal contribution can go as far as €12,500.

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:

You must apply for the PTZ in addition to at least 1 other loan.

This may include one of the following loans:

FYI  

Since March 21, 2025, it is possible to cumulate PTZ with Anah's aid.

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