(PTZ or PTZ+)
Verified 15 September 2026 - Public Service / (Prime Minister)
Want to know what a zero-interest loan (PTZ) is? It's a state-assisted loan. You must repay the amount you are loaned, but you do not have to pay of interest or Intermediate interest, nor any application or expert examination costs. The PTZ must be used to finance the purchase or construction of your future primary residence, in addition to another mortgage. To obtain the PTZ, you must meet several conditions. Here is the information you need to know.
What applies to you ?
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The requirements for obtaining PTZ are different depending on whether you want to buy a new home, an old home, the social housing you live in, or whether you want to turn a room into a home:
Purchase of a new home
The PTZ can fund in part the purchase:
- A new dwelling, that is to say a dwelling completed for less than 5 years, with a view to its 1re occupancy
- Or a housing for its 1re occupation after the works necessary for its production or delivery.
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 the same real estate transaction.
Your future home must meet several conditions, which depend on the type of your purchase:
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« Classic » purchase
The conditions to be respected depend on the date of the loan offer made to you:
Loan offer issued from April 2025
Your future home must become your primary residence :
- Either at the latest 1 year after its purchase or the end of works
- Either from your retirement, which must occur at the latest 6 years after the purchase or termination of works. Until you retire, you can rent the accommodation, under certain conditions.
In order for a dwelling to be considered your principal residence, you must live there for at least 8 months a year. But a dwelling that you occupy less than 8 months per year can still be considered your main residence, in at least one of the following cases:
- Case of force majeure
- Health Reason
- Obligation related to your professional activity that involves regular travel
- Absolute need for service related to your status or employment contract, or that of at least 1 of the other people who must live in the accommodation
- Distance from your place of activity or that of at least 1 of the other people who must live in the accommodation, for a maximum of 3 years
- Rental pending your next retirement.
Loan offer issued until March 2025
Your future home must be located in a municipality in zone A, Abis, or B1.
To know the area of the municipality of your future home, you can use this simulator:
Know the area of your municipality: A, Abis, B1, B2 or C
Your future home must be located in a collective housing building, that is to say comprising more than 2 housings, partially or totally superimposed.
Your future home must become your primary residence :
- Either at the latest 1 year after its purchase or the end of works
- Either from your retirement, which must occur at the latest 6 years after the purchase or termination of works. Until you retire, you can rent the accommodation, under certain conditions.
In order for a dwelling to be considered your principal residence, you must live there for at least 8 months a year. But a dwelling that you occupy less than 8 months per year can still be considered your main residence, in at least one of the following cases:
- Case of force majeure
- Health Reason
- Obligation related to your professional activity that involves regular travel
- Absolute need for service related to your status or employment contract, or that of at least 1 of the other people who must live in the accommodation
- Distance from your place of activity or that of at least 1 of the other people who must live in the accommodation, for a maximum of 3 years
- Rental pending your next retirement.
Purchase in lease-purchase to real estate (PSLA)
Your future home must become your primary residence :
- Either at the latest 1 year after its purchase or the end of works
- Either from your retirement, which must occur at the latest 6 years after the purchase or termination of works. Until you retire, you can rent the accommodation, under certain conditions.
In order for a dwelling to be considered your principal residence, you must live there for at least 8 months a year. But a dwelling that you occupy less than 8 months per year can still be considered your main residence, in at least one of the following cases:
- Case of force majeure
- Health Reason
- Obligation related to your professional activity that involves regular travel
- Absolute need for service related to your status or employment contract, or that of at least 1 of the other people who must live in the accommodation
- Distance from your place of activity or that of at least 1 of the other people who must live in the accommodation, for a maximum of 3 years
- Rental pending your next retirement.
Purchase with a solidarity real lease (BRS)
Your future home must become your primary residence :
- Either at the latest 1 year after its purchase or the end of works
- Either from your retirement, which must occur at the latest 6 years after the purchase or termination of works. Until you retire, you can rent the accommodation, under certain conditions.
In order for a dwelling to be considered your principal residence, you must live there for at least 8 months a year. But a dwelling that you occupy less than 8 months per year can still be considered your main residence, in at least one of the following cases:
- Case of force majeure
- Health Reason
- Obligation related to your professional activity that involves regular travel
- Absolute need for service related to your status or employment contract, or that of at least 1 of the other people who must live in the accommodation
- Distance from your place of activity or that of at least 1 of the other people who must live in the accommodation, for a maximum of 3 years
- Rental pending your next retirement.
Purchase in social home ownership (in TVA at reduced rates)
Your future home must locate :
- Either in or near a priority neighborhood of city policy (QPV)
- Either in or near a ANRU area.
Your future home must become your primary residence :
- Either at the latest 1 year after its purchase or the end of works
- Either from your retirement, which must occur at the latest 6 years after the purchase or termination of works. Until you retire, you can rent the accommodation, under certain conditions.
In order for a dwelling to be considered your principal residence, you must live there for at least 8 months a year. But a dwelling that you occupy less than 8 months per year can still be considered your main residence, in at least one of the following cases:
- Case of force majeure
- Health Reason
- Obligation related to your professional activity that involves regular travel
- Absolute need for service related to your status or employment contract, or that of at least 1 of the other people who must live in the accommodation
- Distance from your place of activity or that of at least 1 of the other people who must live in the accommodation, for a maximum of 3 years
- Rental pending your next retirement.
The income conditions to be respected depend on the type of your purchase:
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« Classic » purchase
The terms depend on the date of the loan offer made to you.
Loan offer issued from April 2025
The amount of your income to be taken into account corresponds to the greater of these two amounts:
- Total of your reference tax income and that of the other people who will live in the dwelling. The tax income to be taken into account is that of year N-2. For a PTZ application made in 2025, this is the 2023 reference tax income, recorded on the 2024 tax assessment. If you have income 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: titleContent 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 housing.
Number of persons accommodated | Zone A or Aa | Area B1 | Area 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 allows to know the area to which the municipality belongs:
Find out if a zero interest loan (PTZ) is possible in your municipality
Loan offer issued until March 2025
The amount of your income to be taken into account corresponds to the greater of these two amounts:
- Total of your reference tax income and that of the other people who will live in the dwelling. The tax income to be taken into account is that of year N-2. For a PTZ application made in 2025, this is the 2023 reference tax income, recorded on the 2024 tax assessment. If you have income 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: titleContent 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 housing.
FYI
You can only get the PTZ if the municipality of your future home is located in zone A, A bis or B1.
Number of persons accommodated | Zone A or Aa | Area 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 allows to know the area to which the municipality belongs:
Find out if a zero interest loan (PTZ) is possible in your municipality
Purchase in lease-purchase to real estate (PSLA)
The amount of your income to be taken into account corresponds to the greater of these two amounts:
- Total of your reference tax income and that of the other people who will live in the dwelling. The tax income to be taken into account is that of year N-2. For a PTZ application made in 2025, this is the 2023 reference tax income, recorded on the 2024 tax assessment. If you have income 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: titleContent 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 housing.
Number of persons accommodated | Zone A or Aa | Area B1 | Area 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 allows to know the area to which the municipality belongs:
Find out if a zero interest loan (PTZ) is possible in your municipality
Purchase with a solidarity real lease agreement (BRS)
The amount of your income to be taken into account corresponds to the greater of these two amounts:
- Total of your reference tax income and that of the other people who will live in the dwelling. The tax income to be taken into account is that of year N-2. For a PTZ application made in 2025, this is the 2023 reference tax income, recorded on the 2024 tax assessment. If you have income 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: titleContent 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 housing.
Number of persons accommodated | Zone A or Aa | Area B1 | Area 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 allows to know the area to which the municipality belongs:
Find out if a zero interest loan (PTZ) is possible in your municipality
Purchase in social home ownership (in TVA at reduced rates)
The amount of your income to be taken into account corresponds to the greater of these two amounts:
- Total of your reference tax income and that of the other people who will live in the dwelling. The tax income to be taken into account is that of year N-2. For a PTZ application made in 2025, this is the 2023 reference tax income, recorded on the 2024 tax assessment. If you have income 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: titleContent 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 housing.
Number of persons accommodated | Zone A or Aa | Area B1 | Area 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 allows to know the area to which the municipality belongs:
Find out if a zero interest loan (PTZ) is possible in your municipality
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 buy or build your main residence, in addition to another mortgage.
You must not have owned your principal residence during the 2 years preceding the PTZ, nor have acquired real rights in real property of your principal residence under the of a real joint and several lease in the 2 years preceding the PTZ.
But this prohibition does not apply if you are in at least 1 of the following situations :
- You have either the usufruct, or bare-property from your primary residence
- You, or one of the occupants of the dwelling, have mobility card inclusion marked with invalidity, or a invalidity card of 2e or 3e category (absolute inability to work), or perceive theAAH: titleContent or theAEEH: titleContent
- 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 declaring the disaster.
FYI
If you have 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:
Know the calculation of the maximum amount of PTZ
The calculation rules are different depending on the type of your purchase:
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« Classic » purchase
The calculation rules depend on the date of the loan offer made to you:
Loan offer issued from April 2025
The rules are different depending on whether your future home is located or not in a collective housing building, that is to say a building comprising more than 2 dwellings, partially or totally superimposed.
Accommodation in a collective dwelling
The maximum amount of your PTZ is calculated from several information:
1re information: the total cost of the real estate operation to be financed TTC: titleContent
But this total cost, taken into account to determine the PTZ, is capped.
This is the maximum cost taken into account for the calculation of the PTZ :
Number of persons accommodated | Maximum cost of the real estate operation taken into account for the calculation of the PTZ | |||
|---|---|---|---|---|
Zone A or Aa | Area B1 | Area 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 housing, which will be inhabited by 2 people, located in a municipality in zone C, the total cost of which (TTC) is €163,000, the total cost taken into account for the calculation of the PTZ is of €150,000.
Reminder
A simulator allows you to know the area of the municipality of your home:
Find out if a zero interest loan (PTZ) is possible in your municipality
2e information: the amount of your income
The amount of your income to be taken into account corresponds to the greater of these two amounts:
- Total of your reference tax income and that of the other people who will live in the dwelling. The tax income to be taken into account is that of year N-2. For a PTZ application made in 2025, this is the 2023 reference tax income, recorded on the 2024 tax assessment. If you have income 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: titleContent 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.
For this, you need to divide the amount of your income by one family coefficient.
This family ratio depends on the number of people housed.
Here are the family coefficients to use:
Number of persons accommodated | Family coefficient 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 amount of revenue is of €30,000, The income bracket shall be determined using the following calculation: €30,000/1.5 = €20,000.
To know the income bracket to which you belong, you must compare the amount obtained (by dividing the amount of your income by your family coefficient) to the following amounts. :
Amount of your income divided by your family coefficient | Corresponding income bracket | |||
|---|---|---|---|---|
Zone A or Aa | Area B1 | Area B2 | Area C | |
Up to €25,000 | Up to €21,500 | Up to €18,000 | Up to €15,000 | Unit 1 |
From €25,001 à €31,000 | From €21,501 à €26,000 | From €18,001 à €22,500 | From €15,001 à €19,500 | Unit 2 |
From €31,001 à €37,000 | From €26,001 à €30,000 | From €22,501 à €27,000 | From €19,501 à €24,000 | Unit 3 |
From €37,001 à €49,000 | From €30,001 à €34,500 | From €27,001 à €31,500 | From €24,001 à €28,500 | Unit 4 |
Example :
For a dwelling whose municipality is in zone C, which will be inhabited by 2 people, and of which the amount obtained by dividing the amount of your income by the family coefficient is of €20,000, the income bracket corresponding is the tranche 3.
Using the income bracket thus 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 one percentage which varies according to your income bracket.
Here are these percentages :
Income band | Corresponding percentage |
|---|---|
Unit 1 | 50% |
Unit 2 | 40% |
Unit 3 | 40% |
Unit 4 | 20% |
Example :
For a dwelling whose total cost taken into account for the calculation of the PTZ is of €150,000, and belonging to the tranche 3, the maximum amount of PTZ shall be €150,000 x 40% = €60,000.
The amount of your PTZ shall be fixed taking into account your income bracket, the maximum amount of the PTZ thus determined, and the characteristics of other loans to finance your real estate project:
- For income bands 2, 3 and 4, 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.
- For income band 1, the amount of the PTZ shall not exceed more than 25% the amount of the other loan(s) over 2 years that finance your real estate project.
Example :
For the income band 1, a real estate project whose total cost of the operation to be financed is of €100,000, a 20-year loan and a PTZ.
Your situation (income and location of housing) allows you to get a PTZ of maximum 50% of this amount, that is to say €100,000 x 50% = €50,000 maximum.
Your PTZ amount must not exceed the amount of your other loan by more than 25%, i.e. for a PTZ of €50,000, your other loan must be at least €50,000 / 1.25 = €40,000.
This means that if you have a personal contribution for your other loan:
- The amount of your other loan and personal contribution must total €50,000
- The amount of your other loan must be at least €40,000
- Your personal contribution must be at most €10,000.
Other case
The maximum amount of your PTZ is calculated from several information:
1re information: the total cost of the real estate operation to be financed TTC: titleContent
But this total cost, taken into account to determine the PTZ, is capped.
This is the maximum cost taken into account for the calculation of the PTZ :
Number of persons accommodated | Maximum cost of the real estate operation taken into account for the calculation of the PTZ | |||
|---|---|---|---|---|
Zone A or Aa | Area B1 | Area 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 housing, which will be inhabited by 2 people, located in a municipality in zone C, and the total cost of the operation to be financed (TTC) is €163,000, the total cost taken into account for the calculation of the PTZ is of €150,00.
Reminder
A simulator allows you to know the area of the municipality of your home:
Find out if a zero interest loan (PTZ) is possible in your municipality
2e information: the amount of your income
The amount of your income to be taken into account corresponds to the greater of these two amounts:
- Total of your reference tax income and that of the other people who will live in the dwelling. The tax income to be taken into account is that of year N-2. For a PTZ application made in 2025, this is the 2023 reference tax income, recorded on the 2024 tax assessment. If you have income 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: titleContent 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.
For this, you need to divide the amount of your income by one family coefficient.
This family ratio depends on the number of people housed.
Here are the family coefficients to use:
Number of persons accommodated | Family coefficient 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 amount of revenue is of €30,000, The income bracket shall be determined using the following calculation: €30,000/1.5 = €20,000.
To know the income bracket to which you belong, you must compare the amount obtained (by dividing the amount of your income by your family coefficient) to the following amounts. :
Amount of your income divided by your family coefficient | Corresponding income bracket | |||
|---|---|---|---|---|
Zone A or Aa | Area B1 | Area B2 | Area C | |
Up to €25,000 | Up to €21,500 | Up to €18,000 | Up to €15,000 | Unit 1 |
From €25,001 à €31,000 | From €21,501 à €26,000 | From €18,001 à €22,500 | From €15,001 à €19,500 | Unit 2 |
From €31,001 à €37,000 | From €26,001 à €30,000 | From €22,501 à €27,000 | From €19,501 à €24,000 | Unit 3 |
From €37,001 à €49,000 | From €30,001 à €34,500 | From €27,001 à €31,500 | From €24,001 à €28,500 | Unit 4 |
Example :
For a dwelling whose municipality is in zone C, which will be inhabited by 2 people, and of which the amount obtained by dividing the amount of your income by the family coefficient is of €20,000, the income bracket corresponding is the tranche 3.
Using the income bracket thus 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 one percentage which varies according to your income bracket.
Here are these percentages :
Income band | Corresponding percentage |
|---|---|
Unit 1 | 30% |
Unit 2 | 20% |
Unit 3 | 20% |
Unit 4 | 10% |
Example :
For a dwelling whose total cost taken into account for the calculation of the PTZ is of €150,000, and belonging to the tranche 3, the maximum amount of PTZ shall be €150,000 x 20% = €30,000.
The amount of your PTZ shall be fixed taking into account your income bracket, the maximum amount of the PTZ thus determined, and the characteristics of other loans to finance your real estate project:
- For income bands 2, 3 and 4, 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.
- For income band 1, the amount of the PTZ shall not exceed more than 25% the amount of the other loan(s) over 2 years that finance your real estate project.
Example :
For the income band 1, a real estate project whose total cost of the operation to be financed is of €100,000, a 20-year loan and a PTZ.
Your situation (income and location of housing) allows you to get a PTZ of maximum 30% of this amount, that is to say €100,000 x 30% = €30,000 maximum.
Your PTZ amount must not exceed the amount of your other loan by more than 25%, i.e. for a PTZ of €30,000, your other loan must be at least €30,000 / 1.25 = €24,000.
This means that if you have a personal contribution for your other loan:
- The amount of your other loan and personal contribution must total €70,000
- The amount of your other loan must be at least €24,000
- Your personal contribution must be at most €46,000.
Loan offer issued until March 2025
The maximum amount of your PTZ is calculated from several information:
1re information: the total cost of the real estate operation to be financed TTC: titleContent
But this total cost, taken into account to determine the PTZ, is capped.
Here is the maximum cost taken into account for the calculation of the PTZ:
Number of persons accommodated | Maximum cost of the real estate operation taken into account for the calculation of the PTZ | |
|---|---|---|
Zone A or Aa | Area B1 | |
1 person | €150,000 | €135,000 |
2 people | €225,000 | €202,500 |
3 people | €270,000 | €243,000 |
4 people | €315,000 | €283,500 |
From 5 people | €360,000 | €324,000 |
Example :
For housing, which will be inhabited by 2 people, located in a municipality in zone A, the total cost of which (TTC) is €230,000, the total cost taken into account for the calculation of the PTZ shall be €225,000.
Reminder
A simulator allows you to know the area of the municipality of your home:
Find out if a zero interest loan (PTZ) is possible in your municipality
2e information: the amount of your income
The amount of your income to be taken into account corresponds to the greater of these two amounts:
- Total of your reference tax income and that of the other people who will live in the dwelling. The tax income to be taken into account is that of year N-2. For a PTZ application made in 2025, this is the 2023 reference tax income, recorded on the 2024 tax assessment. If you have income 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: titleContent 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.
For this, you need to divide the amount of your income by one family coefficient.
This family ratio depends on the number of people housed.
Here are the family coefficients to use:
Number of persons accommodated | Family coefficient 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 housing that will be inhabited by 2 people, of which the amount of revenue is of €60,000, the family coefficient to be used shall be 1.5.
The income bracket is determined using the following calculation: €60,000/1.5 = €40,000
To know the income bracket to which you belong, you must compare the amount obtained (by dividing the amount of your income by your family coefficient) to the following amounts:
Amount of your income divided by your family coefficient | Corresponding income bracket | |
|---|---|---|
Zone A or Aa | Area B1 | |
Up to €25,000 | Up to €21,500 | Unit 1 |
From €25,001 à €31,000 | From €21,501 à €26,000 | Unit 2 |
From €31,001 à €37,000 | From €26,001 à €30,000 | Unit 3 |
From €37,001 à €49,000 | From €30,001 à €34,500 | Unit 4 |
Example :
For a dwelling whose municipality is in zone A, which will be inhabited by 2 people, and of which the amount obtained by dividing the amount of your income by the family coefficient is of €40,000, the income bracket corresponding is the tranche 4.
Using the income bracket thus 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 one percentage which varies according to your income bracket.
Here are these percentages :
Income band | Corresponding percentage |
|---|---|
Unit 1 | 50% |
Unit 2 | 40% |
Unit 3 | 40% |
Unit 4 | 20% |
Example :
For a dwelling whose total cost taken into account for the calculation of the PTZ is of €225,000, and belonging to the tranche 4, the maximum amount of PTZ shall be €225,000x 20% = €45,000.
The amount of your PTZ shall be fixed taking into account your income bracket, the maximum amount of the PTZ thus determined, and the characteristics of other loans to finance your real estate project:
- For income bands 2, 3 and 4, 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.
- For income band 1, the amount of the PTZ shall not exceed more than 25% the amount of the other loan(s) over 2 years that finance your real estate project.
Example :
For the income band 1, a real estate project whose total cost of the operation to be financed is of €100,000, a 20-year loan and a PTZ.
Your situation (income and location of housing) allows you to get a PTZ of maximum 50% of this amount, that is to say €100,000 x 50% = €50,000.
Your PTZ amount must not exceed the amount of your other loan by more than 25%, i.e. for a PTZ of €50,000, your other loan must be at least €50,000 / 1.25 = €40,000.
This means that if you have a personal contribution for your other loan:
- The amount of your other loan and personal contribution must total €50,000
- The amount of your other loan must be at least €40,000
- Your personal contribution must be at most €10,000.
Purchase in lease-purchase to real estate (PSLA)
The maximum amount of your PTZ is calculated from several information:
1re information: the total cost of the real estate operation to be financed TTC: titleContent
But this total cost, taken into account to determine the PTZ, is capped.
This is the maximum cost taken into account for the calculation of the PTZ :
Number of persons accommodated | Maximum cost of the real estate operation taken into account for the calculation of the PTZ | |||
|---|---|---|---|---|
Zone A or Aa | Area B1 | Area 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 housing, which will be inhabited by 2 people, located in a municipality in zone C, and the total cost of the operation to be financed (TTC) is €163,000, the total cost taken into account for the calculation of the PTZ is of €150,000.
Reminder
A simulator allows you to know the area of the municipality of your home:
Find out if a zero interest loan (PTZ) is possible in your municipality
2e information: the amount of your income
The amount of your income to be taken into account corresponds to the greater of these two amounts:
- Total of your reference tax income and that of the other people who will live in the dwelling. The tax income to be taken into account is that of year N-2. For a PTZ application made in 2025, this is the 2023 reference tax income, recorded on the 2024 tax assessment. If you have income 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: titleContent 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.
For this, you need to divide the amount of your income by one family coefficient.
This family ratio depends on the number of people housed.
Here are the family coefficients to use:
Number of persons accommodated | Family coefficient 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 amount of revenue is of €30,000, The income bracket shall be determined using the following calculation: €30,000/1.5 = €20,000.
To know the income bracket to which you belong, you must compare the amount obtained (by dividing the amount of your income by your family coefficient) to the following amounts. :
Amount of your income divided by your family coefficient | Corresponding income bracket | |||
|---|---|---|---|---|
Zone A or Aa | Area B1 | Area B2 | Area C | |
Up to €25,000 | Up to €21,500 | Up to €18,000 | Up to €15,000 | Unit 1 |
From €25,001 à €31,000 | From €21,501 à €26,000 | From €18,001 à €22,500 | From €15,001 à €19,500 | Unit 2 |
From €31,001 à €37,000 | From €26,001 à €30,000 | From €22,501 à €27,000 | From €19,501 à €24,000 | Unit 3 |
From €37,001 à €49,000 | From €30,001 à €34,500 | From €27,001 à €31,500 | From €24,001 à €28,500 | Unit 4 |
Example :
For a dwelling whose municipality is in zone C, which will be inhabited by 2 people, and of which the amount obtained by dividing the amount of your income by the family coefficient is of €20,000, the income bracket corresponding is the tranche 3.
Using the income bracket thus 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 one percentage which varies according to your income bracket.
Here are these percentages :
Income band | Corresponding percentage |
|---|---|
Unit 1 | 50% |
Unit 2 | 40% |
Unit 3 | 40% |
Unit 4 | 20% |
Example :
For a dwelling whose total cost taken into account for the calculation of the PTZ is of €150,000, and belonging to the tranche 3, the maximum amount of PTZ shall be €150,000 x 40% = €60,000.
The amount of your PTZ shall be fixed taking into account your income bracket, the maximum amount of the PTZ thus determined, and the characteristics of other loans to finance your real estate project:
- For income bands 2, 3 and 4, 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.
- For income band 1, the amount of the PTZ shall not exceed more than 25% the amount of the other loan(s) over 2 years that finance your real estate project.
Example :
For the income band 1, a real estate project whose total cost of the operation to be financed is of €100,000, a 20-year loan and a PTZ.
Your situation (income and location of housing) allows you to get a PTZ of maximum 50% of this amount, that is to say €100,000 x 50% = €50,000 maximum.
Your PTZ amount must not exceed the amount of your other loan by more than 25%, i.e. for a PTZ of €50,000, your other loan must be at least €50,000 / 1.25 = €40,000.
This means that if you have a personal contribution for your other loan:
- The amount of your other loan and personal contribution must total €50,000
- The amount of your other loan must be at least €40,000
- Your personal contribution must be at most €10,000.
Purchase under a solidarity real lease (BRS)
The maximum amount of your PTZ is calculated from several information:
1re information: the total cost of the real estate operation to be financed TTC: titleContent
But this total cost, taken into account to determine the PTZ, is capped.
This is the maximum cost taken into account for the calculation of the PTZ :
Number of persons accommodated | Maximum cost of the real estate operation taken into account for the calculation of the PTZ | |||
|---|---|---|---|---|
Zone A or Aa | Area B1 | Area 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 housing, which will be inhabited by 2 people, located in a municipality in zone C, and the total cost of the operation to be financed (TTC) is €163,000, the total cost taken into account for the calculation of the PTZ is of €150,000.
Reminder
A simulator allows you to know the area of the municipality of your home:
Find out if a zero interest loan (PTZ) is possible in your municipality
2e information: the amount of your income
The amount of your income to be taken into account corresponds to the greater of these two amounts:
- Total of your reference tax income and that of the other people who will live in the dwelling. The tax income to be taken into account is that of year N-2. For a PTZ application made in 2025, this is the 2023 reference tax income, recorded on the 2024 tax assessment. If you have income 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: titleContent 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.
For this, you need to divide the amount of your income by one family coefficient.
This family ratio depends on the number of people housed.
Here are the family coefficients to use:
Number of persons accommodated | Family coefficient 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 amount of revenue is of €30,000, The income bracket shall be determined using the following calculation: €30,000/1.5 = €20,000.
To know the income bracket to which you belong, you must compare the amount obtained (by dividing the amount of your income by your family coefficient) to the following amounts. :
Amount of your income divided by your family coefficient | Corresponding income bracket | |||
|---|---|---|---|---|
Zone A or Aa | Area B1 | Area B2 | Area C | |
Up to €25,000 | Up to €21,500 | Up to €18,000 | Up to €15,000 | Unit 1 |
From €25,001 à €31,000 | From €21,501 à €26,000 | From €18,001 à €22,500 | From €15,001 à €19,500 | Unit 2 |
From €31,001 à €37,000 | From €26,001 à €30,000 | From €22,501 à €27,000 | From €19,501 à €24,000 | Unit 3 |
From €37,001 à €49,000 | From €30,001 à €34,500 | From €27,001 à €31,500 | From €24,001 à €28,500 | Unit 4 |
Example :
For a dwelling whose municipality is in zone C, which will be inhabited by 2 people, and of which the amount obtained by dividing the amount of your income by the family coefficient is of €20,000, the income bracket corresponding is the tranche 3.
Using the income bracket thus 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 one percentage which varies according to your income bracket.
Here are these percentages :
Income band | Corresponding percentage |
|---|---|
Unit 1 | 50% |
Unit 2 | 40% |
Unit 3 | 40% |
Unit 4 | 20% |
Example :
For a dwelling whose total cost taken into account for the calculation of the PTZ is of €150,000, and belonging to the tranche 3, the maximum amount of PTZ shall be €150,000 x 40% = €60,000.
The amount of your PTZ shall be fixed taking into account your income bracket, the maximum amount of the PTZ thus determined, and the characteristics of other loans to finance your real estate project:
- For income bands 2, 3 and 4, 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.
- For income band 1, the amount of the PTZ shall not exceed more than 25% the amount of the other loan(s) over 2 years that finance your real estate project.
Example :
For the income band 1, a real estate project whose total cost of the operation to be financed is of €100,000, a 20-year loan and a PTZ.
Your situation (income and location of housing) allows you to get a PTZ of maximum 50% of this amount, that is to say €100,000 x 50% = €50,000 maximum.
Your PTZ amount must not exceed the amount of your other loan by more than 25%, i.e. for a PTZ of €50,000, your other loan must be at least €50,000 / 1.25 = €40,000.
This means that if you have a personal contribution for your other loan:
- The amount of your other loan and personal contribution must total €50,000
- The amount of your other loan must be at least €40,000
- Your personal contribution must be at most €10,000.
Purchase in social home ownership (in TVA at reduced rates)
The maximum amount of your PTZ is calculated from several information:
1re information: the total cost of the real estate operation to be financed TTC: titleContent
But this total cost, taken into account to determine the PTZ, is capped.
This is the maximum cost taken into account for the calculation of the PTZ :
Number of persons accommodated | Maximum cost of the real estate operation taken into account for the calculation of the PTZ | |||
|---|---|---|---|---|
Zone A or Aa | Area B1 | Area 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 housing, which will be inhabited by 2 people, located in a municipality in zone C, the total cost of which (TTC) is €163,000, the total cost taken into account for the calculation of the PTZ is of €150,000.
Reminder
A simulator allows you to know the area of the municipality of your home:
Find out if a zero interest loan (PTZ) is possible in your municipality
2e information: the amount of your income
The amount of your income to be taken into account corresponds to the greater of these two amounts:
- Total of your reference tax income and that of the other people who will live in the dwelling. The tax income to be taken into account is that of year N-2. For a PTZ application made in 2025, this is the 2023 reference tax income, recorded on the 2024 tax assessment. If you have income 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: titleContent 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.
For this, you need to divide the amount of your income by one family coefficient.
This family ratio depends on the number of people housed.
Here are the family coefficients to use:
Number of persons accommodated | Family coefficient 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 amount of revenue is of €30,000, The income bracket shall be determined using the following calculation: €30,000/1.5 = €20,000.
To know the income bracket to which you belong, you must compare the amount obtained (by dividing the amount of your income by your family coefficient) to the following amounts. :
Amount of your income divided by your family coefficient | Corresponding income bracket | |||
|---|---|---|---|---|
Zone A or Aa | Area B1 | Area B2 | Area C | |
Up to €25,000 | Up to €21,500 | Up to €18,000 | Up to €15,000 | Unit 1 |
From €25,001 à €31,000 | From €21,501 à €26,000 | From €18,001 à €22,500 | From €15,001 à €19,500 | Unit 2 |
From €31,001 à €37,000 | From €26,001 à €30,000 | From €22,501 à €27,000 | From €19,501 à €24,000 | Unit 3 |
From €37,001 à €49,000 | From €30,001 à €34,500 | From €27,001 à €31,500 | From €24,001 à €28,500 | Unit 4 |
Example :
For a dwelling whose municipality is in zone C, which will be inhabited by 2 people, and of which the amount obtained by dividing the amount of your income by the family coefficient is of €20,000, the income bracket corresponding is the tranche 3.
Using the income bracket thus 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 one percentage which varies according to your income bracket.
Here are these percentages :
Income band | Corresponding percentage |
|---|---|
Unit 1 | 50% |
Unit 2 | 40% |
Unit 3 | 40% |
Unit 4 | 20% |
Example :
For a dwelling whose total cost taken into account for the calculation of the PTZ is of €150,000, and belonging to the tranche 3, the maximum amount of PTZ shall be €150,000 x 40% = €60,000.
The amount of your PTZ shall be fixed taking into account your income bracket, the maximum amount of the PTZ thus determined, and the characteristics of other loans to finance your real estate project:
- For income bands 2, 3 and 4, 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.
- For income band 1, the amount of the PTZ shall not exceed more than 25% the amount of the other loan(s) over 2 years that finance your real estate project.
Example :
For the income band 1, a real estate project whose total cost of the operation to be financed is of €100,000, a 20-year loan and a PTZ.
Your situation (income and location of housing) allows you to get a PTZ of maximum 50% of this amount, that is to say €100,000 x 50% = €50,000 maximum.
Your PTZ amount must not exceed the amount of your other loan by more than 25%, i.e. for a PTZ of €50,000, your other loan must be at least €50,000 / 1.25 = €40,000.
This means that if you have a personal contribution for your other loan:
- The amount of your other loan and personal contribution must total €50,000
- The amount of your other loan must be at least €40,000
- Your personal contribution must be at most €10,000.
The PTZ repayment term cannot not to exceed 25 years.
The repayment period depends on the amount of your income. The higher your income, the shorter the term of the loan.
The PTZ must be reimbursed:
- Either in 1 single period
- Either in 2 periods, when there is a repayment delay. During the 1re period, that of the deferred, you do not repay 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) can grant a PTZ. You can consult the list of establishments concerned.
Each institution evaluates freely your ability to repay a loan (called your solvency) and your guarantees.
The establishment is not obligated to grant you the PTZ.
You have to ask for the PTZ in addition to at least 1 other loan.
This may include:
- Social home ownership loan (PAS)
- Loan agreed
- "Classic" bank real estate loan
- Home Savings Loan
- Complementary loan.
Purchase of old housing
The PTZ is used to fund in part the purchase of a former dwelling with energy saving or improvement works (creation, modernization, sanitation or development of living areas or ancillary surfaces).
The PTZ can also finance the simultaneous purchase of outbuildings (garage, parking...). space
It is not granted only one PTZ for the same operation real estate.
Your future home must comply with the following 3 conditions :
1. Accommodation in zone B2 or C
Your future home must be in a municipality located in zone B2 or C.
To know the area of the municipality of your future home, you can use this simulator:
Find out if a zero interest loan (PTZ) is possible in your municipality
2. Accommodation with works for improvement
The PTZ is to be used to partially finance the purchase of an old home and the implementation of improvement works.
These works must represent at least 25% the total cost of the operation to be financed.
These may include the following works:
- Improvement works (creation, modernization, remediation or development of habitable surfaces or ancillary surfaces)
- Energy saving works (unless they are financed by an eco-PTZ or are works for the installation of oil, coal or gas heating). If there is a DPE: titleContent done before 30 june 2021 and valid, it must indicate that the annual energy consumption of the dwelling (heating, hot water, cooling) is less than 331/m². If not, the EPD after the works shall indicate an energy performance level corresponding to Class D.
Warning
- You must start these works after you have obtained the PTZ. But, in the case of a contract of sale of building to renovate (VIR) or a contract of lease-purchase of real estate (PSLA), works can start before obtaining PTZ.
- Works must be completed within a period not exceeding 3 years from the date of issue of the PTZ offer. However, you may be granted additional time in certain cases (force majeure, natural or technological disaster, illness or accident, litigation).
3. Accommodation to be used as a principal residence
Your home must become your main residence:
- Either at the latest 1 year after its purchase or the end of works
- Either from your retirement, which must occur at the latest 6 years after the purchase or termination of works. Until you retire, you can rent the accommodation, under certain conditions.
In order for a dwelling to be considered your principal residence, you must live there for at least 8 months a year. But a dwelling that you occupy less than 8 months per year can still be considered your main residence, in one of the following cases:
- Force majeure
- Health Reason
- Obligation linked to professional activity (regular travel, official accommodation...))
- Rental pending your retirement.
The amount of your income to be taken into account corresponds to the greater of these two amounts:
- Total of your reference tax income and that of the other people who will live in the dwelling. The tax income to be taken into account is that of year N-2. For a 2024 PTZ application, this is the 2022 reference tax income, recorded on the 2023 tax assessment. If you have income 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: titleContent divided by 9.
To obtain a PTZ, the amount of your income must be less than a certain amount.
This amount depends in particular on the area of the municipality of your future home.
FYI
To obtain the PTZ, the municipality of your future home must be located in zone B 2 or in zone C.
Number of persons accommodated | Area B2 | Area C |
|---|---|---|
1 person | €31,500 | €28,500 |
2 people | €47,250 | €42,750 |
3 people | €56,700 | €51,300 |
4 people | €66,150 | €59,850 |
5 people | €75,600 | €68,400 |
6 people | €85,050 | €76,950 |
7 people | €94,500 | €85,500 |
From 8 people | €103,950 | €94,050 |
A simulator allows to know the area to which the municipality belongs:
Find out if a zero interest loan (PTZ) is possible in your municipality
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 buy or build your main residence, in addition to another mortgage.
You must not have owned your principal residence during the 2 years preceding the PTZ, nor have acquired real rights in real property of your principal residence under the of a real joint and several lease in the 2 years preceding the PTZ.
But this prohibition does not apply if you are in at least 1 of the following situations :
- You have either the usufruct, or bare-property from your primary residence
- You, or one of the occupants of the dwelling, have mobility card inclusion marked with invalidity, or a invalidity card of 2e or 3e category (absolute inability to work), or perceive theAAH: titleContent or theAEEH: titleContent
- 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 declaring the disaster.
FYI
If you have 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:
Know the calculation of the maximum amount of PTZ
The maximum amount of your PTZ is calculated from several information:
1re information: the total cost of the real estate operation to be financed TTC: titleContent
But this total cost, taken into account to determine the PTZ, is capped.
This is the maximum cost taken into account for the calculation of the PTZ :
Number of persons accommodated | Area B2 | Area C |
|---|---|---|
1 person | €110,000 | €100,000 |
2 people | €165,000 | €150,000 |
3 people | €198,000 | €180,000 |
4 people | €231,000 | €210,000 |
From 5 people | €264,000 | €240,000 |
Example :
For housing, which will be inhabited by 2 people, located in a municipality in zone C, and the total cost of the operation to be financed (TTC) is €163,000, the total cost taken into account for the calculation of the PTZ is of €150,000.
Reminder
A simulator allows you to know the area of the municipality of your home:
Find out if a zero interest loan (PTZ) is possible in your municipality
2e information: the amount of your income
The amount of your income to be taken into account corresponds to the greater of these two amounts:
- Total of your reference tax income and that of the other people who will live in the dwelling. The tax income to be taken into account is that of year N-2. For a PTZ application made in 2025, this is the 2023 reference tax income, recorded on the 2024 tax assessment. If you have income 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: titleContent 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 need to divide the amount of your income by one family coefficient.
This family ratio depends on the number of people housed.
Here are the family coefficients to use:
Number of persons accommodated | Family coefficient 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 housing that will be inhabited by 2 people, the family coefficient to be used shall be 1.5.
For a amount of revenue from €30,000, the income bracket shall be determined using the following calculation: €30,000/1.5 = €20,000.
To know the income bracket to which you belong, you must compare the amount obtained (by dividing the amount of your income by your family coefficient) to the following amounts:
Amount of your income divided by your family coefficient | Corresponding income bracket | |
|---|---|---|
Area B2 | Area C | |
Up to €18,000 | Up to €15,000 | Unit 1 |
From €18,001 à €22,500 | From €15,001 à €19,500 | Unit 2 |
From €22,501 à €27,000 | From €19,501 à €24,000 | Unit 3 |
From €27,001 à €31,500 | From €24,001 à €28,500 | Unit 4 |
Example :
For a dwelling whose municipality is in zone C, which will be inhabited by 2 persons, and the amount obtained by dividing the amount of your income by the family coefficient is of €20,000, the income bracket corresponding is the tranche 3.
Using the income bracket thus 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 one percentage which varies according to your income bracket.
Here are these percentages :
Income band | Corresponding percentage |
|---|---|
Unit 1 | 50% |
Unit 2 | 40% |
Unit 3 | 40% |
Unit 4 | 20% |
Example :
For a dwelling whose total cost taken into account for the calculation of the PTZ is of €150,000, and belonging to the tranche 3, the maximum amount of PTZ shall be €150,000 x 40% = €60,000
The amount of your PTZ shall be fixed taking into account your income bracket, the maximum amount of the PTZ thus determined, and the characteristics of other loans to finance your real estate project:
- For income bands 2, 3 and 4, 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.
- For income band 1, the amount of the PTZ shall not exceed more than 25% the amount of the other loan(s) over 2 years that finance your real estate project.
Example :
For the income band 1, a real estate project whose total cost of the operation to be financed is of €100,000, a 20-year loan and a PTZ.
Your situation (income and location of housing) allows you to get a PTZ of maximum 50% the amount of your real estate project, i.e €100,000 x 50% = €50,000.
Your PTZ amount must not exceed the amount of your other loan by more than 25%, i.e. for a PTZ of €50,000, your other loan must be at least €50,000 / 1.25 = €40,000.
This means that if you have a personal contribution for your other loan:
- The amount of your other loan and personal contribution must total €50,000
- The amount of your other loan must be at least €40,000
- Your personal contribution must be at most €10,000.
The PTZ repayment term cannot not to exceed 25 years.
The repayment period depends on the amount of your income. The higher your income, the shorter the term of the loan.
The PTZ must be reimbursed:
- Either in 1 single period
- Either in 2 periods, when there is a repayment delay. During the 1re period, that of the deferred, you do not repay 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) can grant a PTZ. You can consult the list of establishments concerned.
Each institution evaluates freely your ability to repay a loan (called your solvency) and your guarantees.
The establishment is not obligated to grant you the PTZ.
You have to ask for the PTZ in addition to at least 1 other loan.
This may include:
- Social home ownership loan (PAS)
- Loan agreed
- "Classic" bank real estate loan
- Home Savings Loan
- Complementary loan.
FYI
Since March 21, 2025, it is possible to cumulate the PTZ with aid from Anah.
Purchase of social housing
You can buy social housing, under certain conditions.
PTZ can be used to fund in part the purchase of this housing, with or without works.
The PTZ can also finance the simultaneous construction or the simultaneous 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:
- Either at the latest 1 year after its purchase or the end of works
- Either from your retirement, which must occur at the latest 6 years after the purchase or termination of works. Until you retire, you can rent the accommodation, under certain conditions.
In order for a dwelling to be considered your principal residence, you must live there for at least 8 months a year. But a dwelling that you occupy less than 8 months per year can still be considered your main residence, in one of the following cases:
- Force majeure
- Health Reason
- Obligation linked to professional activity (regular travel, official accommodation...))
- Rental pending your retirement.
The amount of your income to be taken into account corresponds to the greater of these two amounts:
- Total of your reference tax income and that of the other people who will live in the dwelling. The tax income to be taken into account is that of year N-2. For a PTZ application made in 2025, this is the 2023 reference tax income, recorded on the 2024 tax assessment. If you have income 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: titleContent 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 housing.
Number of persons accommodated | Zone A or Aa | Area B1 | Area 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 allows to know the area to which the municipality belongs:
Find out if a zero interest loan (PTZ) is possible in your municipality
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 period of at least 2 years.
You can estimate the amount of your PTZ using this simulator:
Know the calculation of the maximum amount of PTZ
This amount depends on the area of your future home.
To know the area of your future home, you can use this simulator:
Find out if a zero interest loan (PTZ) is possible in your municipality
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In zones 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 period of at least 2 years.
Your PTZ can represent up to 20% from total cost of the operation to be financed (TTC: titleContent).
But the amount of total cost of the operation to be financed is 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 taken into account | 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 more | €360,000 | €72,000 |
Example :
For 1 couple with 2 children (so 4 people) in zone A, the maximum total cost taken into account shall be €315,000.
- If the cost of the operation 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 of €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 determined taking into account the maximum amount of PTZ thus determined, and the 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 period of at least 2 years.
Your PTZ can represent up to 20% from total cost of the operation to be financed (TTC: titleContent).
But the amount of total cost of the operation to be financed is 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 taken into account | 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 more | €324,000 | €64,800 |
Example :
For 1 couple with 2 children (so 4 people) in zone B1, the maximum total cost taken into account shall be €283,500.
- If the cost of the operation 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 of €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 determined taking into account the maximum amount of PTZ thus determined, and the 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 period of at least 2 years.
The amount of PTZ that can be granted to you can go up to 20% from total cost of the operation to be financed (TTC: titleContent).
But the amount of total cost of the operation to be financed is taken into account up to a maximum amount.
This maximum amount depends on the number of people accommodated and the area of the accommodation.
Number of persons accommodated | Maximum total cost taken into account | 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 more | €264,000 | €52,800 |
Example :
For a couple with 2 children (so 4 occupants) who buys a home in the zone B2, the ceiling of total cost of the operation is of €231,000.
- If the total cost of the operation is of €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 determined taking into account the maximum amount of PTZ thus determined, and the 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 period of at least 2 years.
The amount of PTZ that can be granted to you can go up to 20% from total cost of the operation to be financed (TTC: titleContent).
But the amount of total cost of the operation to be financed is taken into account up to a maximum amount.
This maximum amount depends on the number of people accommodated and the area of the accommodation.
Number of persons accommodated | Maximum total cost taken into account | 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 more | €240,000 | €48,000 |
Example :
For a couple with 2 children (so 4 occupants) who buys a home in zone C, the total cost the maximum taken into account is €210,000.
- If the total cost of the operation is of €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 determined taking into account the maximum amount of PTZ thus determined, and the 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 PTZ repayment term cannot not to exceed 25 years.
The repayment period depends on the amount of your income. The higher your income, the shorter the term of the loan.
The PTZ must be reimbursed:
- Either in 1 single period
- Either in 2 periods, when there is a repayment delay. During the 1re period, that of the deferred, you do not repay 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) can grant a PTZ. You can consult the list of establishments concerned.
Each institution evaluates freely your ability to repay a loan (called your solvency) and your guarantees.
The establishment is not obligated to grant you the PTZ.
You have to ask for the PTZ in addition to at least 1 other loan.
This may include:
- Social home ownership loan (PAS)
- Loan agreed
- "Classic" bank real estate loan
- Home Savings Loan
- Complementary loan.
Conversion of a room into a dwelling
The PTZ can fund in part the transformation of a room into a dwelling (with or without its purchase).
It can also finance the simultaneous construction or the simultaneous 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 :
- Either at the latest 1 year after its purchase or the end of works
- Either from your retirement, which must occur at the latest 6 years after the purchase or termination of works. Until you retire, you can rent the accommodation, under certain conditions.
In order for a dwelling to be considered your principal residence, you must live there for at least 8 months a year. But a dwelling that you occupy less than 8 months per year can still be considered your main residence, in at least one of the following cases:
- Case of force majeure
- Health Reason
- Obligation related to your professional activity that involves regular travel
- Absolute need for service related to your status or employment contract, or that of at least 1 of the other people who must live in the accommodation
- Distance from your place of activity or that of at least 1 of the other people who must live in the accommodation, for a maximum of 3 years
- Rental pending your next retirement.
The amount of your income to be taken into account corresponds to the greater of these two amounts:
- Total of your reference tax income and that of the other people who will live in the dwelling. The tax income to be taken into account is that of year N-2. For a PTZ application made in 2025, this is the 2023 reference tax income, recorded on the 2024 tax assessment. If you have income 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: titleContent 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 housing.
Number of persons accommodated | Zone A or Aa | Area B1 | Area 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 allows to know the area to which the municipality belongs:
Find out if a zero interest loan (PTZ) is possible in your municipality
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 buy or build your main residence, in addition to another mortgage.
You must not have owned your principal residence during the 2 years preceding the PTZ, nor have acquired real rights in real property of your principal residence under the of a real joint and several lease in the 2 years preceding the PTZ.
But this prohibition does not apply if you are in at least 1 of the following situations :
- You have either the usufruct, or bare-property from your primary residence
- You, or one of the occupants of the dwelling, have mobility card inclusion marked with invalidity, or a invalidity card of 2e or 3e category (absolute inability to work), or perceive theAAH: titleContent or theAEEH: titleContent
- 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 declaring the disaster.
FYI
If you have 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:
Know the calculation of the maximum amount of PTZ
The maximum amount of your PTZ is calculated from several information:
1re information: the total cost of the real estate operation to be financed TTC: titleContent
But this total cost, taken into account to determine the PTZ, is capped.
This is the maximum cost taken into account for the calculation of the PTZ :
Number of persons accommodated | Maximum cost of the real estate operation taken into account for the calculation of the PTZ | |||
|---|---|---|---|---|
Zone A or Aa | Area B1 | Area 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 housing, which will be inhabited by 2 people, located in a municipality in zone C, the total cost of which (TTC) is €163,000, the total cost taken into account for the calculation of the PTZ is of €150,000.
Reminder
A simulator allows you to know the area of the municipality of your home:
Find out if a zero interest loan (PTZ) is possible in your municipality
2e information: the amount of your income
The amount of your income to be taken into account corresponds to the greater of these two amounts:
- Total of your reference tax income and that of the other people who will live in the dwelling. The tax income to be taken into account is that of year N-2. For a PTZ application made in 2025, this is the 2023 reference tax income, recorded on the 2024 tax assessment. If you have income 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: titleContent 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.
For this, you need to divide the amount of your income by one family coefficient.
This family ratio depends on the number of people housed.
Here are the family coefficients to use:
Number of persons accommodated | Family coefficient 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 amount of revenue is of €30,000, The income bracket shall be determined using the following calculation: €30,000/1.5 = €20,000.
To know the income bracket to which you belong, you must compare the amount obtained (by dividing the amount of your income by your family coefficient) to the following amounts. :
Amount of your income divided by your family coefficient | Corresponding income bracket | |||
|---|---|---|---|---|
Zone A or Aa | Area B1 | Area B2 | Area C | |
Up to €25,000 | Up to €21,500 | Up to €18,000 | Up to €15,000 | Unit 1 |
From €25,001 à €31,000 | From €21,501 à €26,000 | From €18,001 à €22,500 | From €15,001 à €19,500 | Unit 2 |
From €31,001 à €37,000 | From €26,001 à €30,000 | From €22,501 à €27,000 | From €19,501 à €24,000 | Unit 3 |
From €37,001 à €49,000 | From €30,001 à €34,500 | From €27,001 à €31,500 | From €24,001 à €28,500 | Unit 4 |
Example :
For a dwelling whose municipality is in zone C, which will be inhabited by 2 people, and of which the amount obtained by dividing the amount of your income by the family coefficient is of €20,000, the income bracket corresponding is the tranche 3.
Using the income bracket thus 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 one percentage which varies according to your income bracket.
Here are these percentages :
Income band | Corresponding percentage |
|---|---|
Unit 1 | 50% |
Unit 2 | 40% |
Unit 3 | 40% |
Unit 4 | 20% |
Example :
For a dwelling whose total cost taken into account for the calculation of the PTZ is of €150,000, and belonging to the tranche 3, the maximum amount of PTZ shall be €150,000 x 40% = €60,000.
The amount of your PTZ shall be fixed taking into account your income bracket, the maximum amount of the PTZ thus determined, and the characteristics of other loans to finance your real estate project:
- For income bands 2, 3 and 4, 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.
- For income band 1, the amount of the PTZ shall not exceed more than 25% the amount of the other loan(s) over 2 years that finance your real estate project.
Example :
For the income band 1, a real estate project whose total cost of the operation to be financed is of €100,000, a 20-year loan and a PTZ.
Your situation (income and location of housing) allows you to get a PTZ of maximum 50% of this amount, that is to say €100,000 x 50% = €50,000 maximum.
Your PTZ amount must not exceed the amount of your other loan by more than 25%, i.e. for a PTZ of €50,000, your other loan must be at least €50,000 / 1.25 = €40,000.
This means that if you have a personal contribution for your other loan:
- The amount of your other loan and personal contribution must total €50,000
- The amount of your other loan must be at least €40,000
- Your personal contribution must be at most €10,000.
The PTZ repayment term cannot not to exceed 25 years.
The repayment period depends on the amount of your income. The higher your income, the shorter the term of the loan.
The PTZ must be reimbursed:
- Either in 1 single period
- Either in 2 periods, when there is a repayment delay. During the 1re period, that of the deferred, you do not repay 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) can grant a PTZ. You can consult the list of establishments concerned.
Each institution evaluates freely your ability to repay a loan (called your solvency) and your guarantees.
The establishment is not obligated to grant you the PTZ.
You have to ask for the PTZ in addition to at least 1 other loan.
This may include:
- Social home ownership loan (PAS)
- Loan agreed
- "Classic" bank real estate loan
- Home Savings Loan
- Complementary loan.
FYI
Since March 21, 2025, it is possible to cumulate the PTZ with aid from Anah.
Who can help me?
Find who can answer your questions in your region
Terms of the loan
Terms of the loan
Continuation of the loan
Continuation of the loan
Loan amount (transaction amount and applicable rate)
Duration of the loan
PTZ cumulation and Anah aid: Article R321-13
Definition of a new immovable after making 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 former with works conditions
Ministry of Economy
Ministry in charge of the city
National Agency for Housing Information (Anil)
National Agency for Housing Information (Anil)
Ministry of Housing
French public finances general directorate (DGFiP)
Business for the management of financing and the guarantee of social home ownership (SGFGAS)
