Real Estate Purchase

Zero-interest loan: What's new?

Publié le 07 mars 2025 - Mise à jour le 01 avril 2025 - Directorate for Legal and Administrative Information (Prime Minister)

The Zero Rate Loan (ZLP) allows you to finance a portion of your principal residence purchase without paying interest or application fees. As of 1er April 2025, the terms of the scheme are temporarily changing. In particular, it is now possible to benefit from a PTZ for the purchase of a new detached house, which was not possible previously under a ‘traditional’ purchase. Service-Public.fr presents the new PTZ terms and conditions.

Until March 31, 2025, in the context of a ‘traditional’ purchase of a new dwelling (i.e. a purchase that is not made in the context of a joint and several lease, a rental-purchase agreement, etc.), in order to qualify for a zero-interest loan, your future home had to be:

  • in a communal dwelling (an apartment in a building);
  • and in a commune located in zone A, AA or B1 (i.e. in a geographical area characterized by a significant imbalance between housing supply and demand).

Since 1er april 2025, you can get a TSP for the acquisition of a new home:

  • whether housing in a collective dwelling or a detached house;
  • and everywhere in France, regardless of the area in which the municipality of your future dwelling is located.

For a typical purchase:

  • for new houses, the PTZ covers between 10 and 30 % of the amount of the real estate transaction, according to your income;
  • for new apartments, the PTZ covers between 20 and 50 % of the amount of the real estate transaction, based on your income.

A property is considered new if it was completed less than 5 years ago.

The extension of the zero-interest loan applies until 31 december 2027.

You can use the National Agency for Housing Information Simulator (Anil) to estimate the amount of PTZ that can be granted to you based on the real estate transaction you are considering.

FYI  

You can also benefit, under conditions, from a zero-interest loan to partially finance the purchase of an old house (completed more than 5 years ago), the purchase of the social housing in which you live or the conversion into housing of an existing premises not initially earmarked for this purpose.

What are the conditions for a zero-interest loan?

To qualify for the zero-interest loan, your income must be below a certain level. The latter depends on the municipality of your future dwelling and the number of people intended to occupy this dwelling.

In addition, you must not have owned your principal residence during the 2 years preceding your loan application (for some profiles, this condition is not required).

You can find all the conditions for a zero-interest loan on our factsheet.

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...).

You have to repay the amount you are lent under the TSP, but you don't have to pay interest, file fees or expertise fees.

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