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Zero-interest loan (PTZ or PTZ+)
Verified 30 September 2025 - Directorate of Legal and Administrative Information (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 fees. The PTZ must be used to finance the purchase or construction of your future principal residence, in addition to another home loan. 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 conditions to obtain the PTZ are different depending on whether you want to buy a new home, an old home, the social housing you live in, or you want to convert a room into a home:
Purchase of a new home
The PTZ can finance 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 dwelling for its 1re occupancy after work 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 :
- Or at the latest 1 year after its purchase or the end of the work
- Either from your retirement, which must take place no later than 6 years after the purchase or the end of the work. Until you retire, you can rent the accommodation, under certain conditions.
For a home to be considered your primary residence, you must live there at least 8 months a year. But a home 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 have to 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 accommodation must be located in a collective residential building, that is to say comprising more than 2 housings, partially or totally superimposed.
Your future home must become your primary residence :
- Or at the latest 1 year after its purchase or the end of the work
- Either from your retirement, which must take place no later than 6 years after the purchase or the end of the work. Until you retire, you can rent the accommodation, under certain conditions.
For a home to be considered your primary residence, you must live there at least 8 months a year. But a home 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 have to 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 on lease-purchase of real estate (PSLA)
Your future home must become your primary residence :
- Or at the latest 1 year after its purchase or the end of the work
- Either from your retirement, which must take place no later than 6 years after the purchase or the end of the work. Until you retire, you can rent the accommodation, under certain conditions.
For a home to be considered your primary residence, you must live there at least 8 months a year. But a home 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 have to 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 :
- Or at the latest 1 year after its purchase or the end of the work
- Either from your retirement, which must take place no later than 6 years after the purchase or the end of the work. Until you retire, you can rent the accommodation, under certain conditions.
For a home to be considered your primary residence, you must live there at least 8 months a year. But a home 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 have to 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 ownership (in VAT at reduced rate)
Your future home must locate :
- Either in or near a City Policy Priority Area (QPV)
- Either in or near a ANRU zone.
Your future home must become your primary residence :
- Or at the latest 1 year after its purchase or the end of the work
- Either from your retirement, which must take place no later than 6 years after the purchase or the end of the work. Until you retire, you can rent the accommodation, under certain conditions.
For a home to be considered your primary residence, you must live there at least 8 months a year. But a home 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 have to 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 conditions 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 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 2025 application for a PTZ, this is the 2023 reference tax income, recorded on the 2024 tax notice. 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 home.
Number of persons housed | 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 you 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 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 2025 application for a PTZ, this is the 2023 reference tax income, recorded on the 2024 tax notice. 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 home.
FYI
You can only obtain the PTZ if the municipality of your future dwelling is located in zone A, A bis or B1.
Number of persons housed | 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 you to know the area to which the municipality belongs:
Find out if a zero-interest loan (PTZ) is possible in your municipality
Purchase on lease-purchase of real estate (PSLA)
The amount of your income to be taken into account corresponds 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 2025 application for a PTZ, this is the 2023 reference tax income, recorded on the 2024 tax notice. 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 home.
Number of persons housed | 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 you 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 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 2025 application for a PTZ, this is the 2023 reference tax income, recorded on the 2024 tax notice. 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 home.
Number of persons housed | 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 you 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 ownership (in VAT at reduced rate)
The amount of your income to be taken into account corresponds 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 2025 application for a PTZ, this is the 2023 reference tax income, recorded on the 2024 tax notice. 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 home.
Number of persons housed | 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 you 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 real estate loan.
You must not have owned your principal residence 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 of your principal residence
- You, or one of the occupants of the dwelling, have mobility card inclusion marked with disability, or a disability 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 the 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 residential building, that is to say a building comprising more than 2 dwellings, partially or totally superimposed.
Housing in a collective housing building
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 housed | Maximum cost of the real estate transaction 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 Cand whose total cost of the operation to be financed (including VAT) 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 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 2025 application for a PTZ, this is the 2023 reference tax income, recorded on the 2024 tax notice. 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 housed | 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 band | |||
|---|---|---|---|---|
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 commune is in zone C, which will be inhabited by 2 people, and of which the amount obtained by dividing 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.
For 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 the PTZ shall be €150,000 x 40% = €60,000.
The amount of your PTZ shall be fixed taking into account your income bracket, from the maximum amount of 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 the accommodation) allows you to obtain 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.
Here is the maximum cost taken into account for the calculation of the PTZ :
Number of persons housed | Maximum cost of the real estate transaction 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 Cand whose total cost of the operation to be financed (including VAT) 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 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 2025 application for a PTZ, this is the 2023 reference tax income, recorded on the 2024 tax notice. 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 housed | 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 band | |||
|---|---|---|---|---|
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 commune is in zone C, which will be inhabited by 2 people, and of which the amount obtained by dividing 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.
For 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 the PTZ shall be €150,000 x 20% = €30,000.
The amount of your PTZ shall be fixed taking into account your income bracket, from the maximum amount of 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 the accommodation) allows you to obtain 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 housed | Maximum cost of the real estate transaction 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 Aand whose total cost of the operation to be financed (including VAT) is €230,000, the total cost taken into account for the calculation of the PTZ is €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 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 2025 application for a PTZ, this is the 2023 reference tax income, recorded on the 2024 tax notice. 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 housed | 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 amount of revenue is of €60,000, the family coefficient to be used is 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 band | |
|---|---|---|
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 commune is in zone A, which will be inhabited by 2 people, and of which the amount obtained by dividing amount of your income by the family coefficient is of €40,000, the income bracket corresponding is the unit 4.
Using the income bracket thus determined, you can know the maximum amount of your PTZ.
For 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 unit 4, the maximum amount of the PTZ shall be €225,000x 20% = €45,000.
The amount of your PTZ shall be fixed taking into account your income bracket, from the maximum amount of 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 the accommodation) allows you to obtain 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 on lease-purchase of 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.
Here is the maximum cost taken into account for the calculation of the PTZ :
Number of persons housed | Maximum cost of the real estate transaction 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 Cand whose total cost of the operation to be financed (including VAT) 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 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 2025 application for a PTZ, this is the 2023 reference tax income, recorded on the 2024 tax notice. 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 housed | 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 band | |||
|---|---|---|---|---|
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 commune is in zone C, which will be inhabited by 2 people, and of which the amount obtained by dividing 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.
For 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 the PTZ shall be €150,000 x 40% = €60,000.
The amount of your PTZ shall be fixed taking into account your income bracket, from the maximum amount of 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 the accommodation) allows you to obtain 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 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.
Here is the maximum cost taken into account for the calculation of the PTZ :
Number of persons housed | Maximum cost of the real estate transaction 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 Cand whose total cost of the operation to be financed (including VAT) 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 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 2025 application for a PTZ, this is the 2023 reference tax income, recorded on the 2024 tax notice. 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 housed | 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 band | |||
|---|---|---|---|---|
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 commune is in zone C, which will be inhabited by 2 people, and of which the amount obtained by dividing 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.
For 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 the PTZ shall be €150,000 x 40% = €60,000.
The amount of your PTZ shall be fixed taking into account your income bracket, from the maximum amount of 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 the accommodation) allows you to obtain 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 ownership (in VAT at reduced rate)
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 housed | Maximum cost of the real estate transaction 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 Cand whose total cost of the operation to be financed (including VAT) 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 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 2025 application for a PTZ, this is the 2023 reference tax income, recorded on the 2024 tax notice. 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 housed | 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 band | |||
|---|---|---|---|---|
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 commune is in zone C, which will be inhabited by 2 people, and of which the amount obtained by dividing 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.
For 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 the PTZ shall be €150,000 x 40% = €60,000.
The amount of your PTZ shall be fixed taking into account your income bracket, from the maximum amount of 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 the accommodation) allows you to obtain 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 repayment period of the PTZ 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 refunded:
- 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 PTZ.
You must apply for PTZ in addition to at least 1 other loan.
This may include:
- Social Accession Loan (SAP)
- Conventional loan
- "Classic" bank real estate loan
- Home Savings Loan
- Supplementary loan.
Purchase of old housing
The PTZ is used to finance in part the purchase of an old dwelling (i.e. a dwelling completed more than 5 years ago) with energy-saving or improvement works (creation, modernization, sanitation or development of habitable surfaces 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 meet the following 3 conditions :
1. Housing 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. Housing with upgrades to be made
The PTZ is to be used to partially finance the purchase of an old dwelling and the carrying out of improvement works.
This work must represent at least 25% the total cost of the operation to be financed.
This may include the following:
- Improvement works (creation, modernization, remediation or development of living areas or ancillary surfaces)
- Energy saving works (unless financed by an eco-PTZ or if it involves work for the installation of oil, coal or gas heating). If there is a EPD: 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 kWh/m². Otherwise, the EPD made after the work must indicate an energy performance level corresponding to class D.
Warning
- You must begin this work 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 property (PSLA)However, work can begin before the PTZ is obtained.
- The work 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, legal proceedings).
3. Dwelling to be used as a principal residence
Your home must become your main residence:
- Or at the latest 1 year after its purchase or the end of the work
- Either from your retirement, which must take place no later than 6 years after the purchase or the end of the work. Until you retire, you can rent the accommodation, under certain conditions.
For a home to be considered your primary residence, you must live there at least 8 months a year. But a home 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 housing, etc.)
- Rental pending your retirement.
The amount of your income to be taken into account corresponds 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 application for a PTZ, this is the 2022 reference tax income, recorded on the 2023 tax notice. 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 housed | 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 you 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 real estate loan.
You must not have owned your principal residence 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 of your principal residence
- You, or one of the occupants of the dwelling, have mobility card inclusion marked with disability, or a disability 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 the 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.
Here is the maximum cost taken into account for the calculation of the PTZ :
Number of persons housed | 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 Cand whose total cost of the operation to be financed (including VAT) 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 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 2025 application for a PTZ, this is the 2023 reference tax income, recorded on the 2024 tax notice. 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 housed | 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 is 1.5.
For a amount of revenue 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 band | |
|---|---|---|
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 commune 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.
For 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 the PTZ shall be €150,000 x 40% = €60,000
The amount of your PTZ shall be fixed taking into account your income bracket, from the maximum amount of 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 the accommodation) allows you to obtain a PTZ of maximum 50% the amount of your real estate project, 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.
The repayment period of the PTZ 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 refunded:
- 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 PTZ.
You must apply for PTZ in addition to at least 1 other loan.
This may include:
- Social Accession Loan (SAP)
- Conventional loan
- "Classic" bank real estate loan
- Home Savings Loan
- Supplementary loan.
FYI
Since March 21, 2025, it is possible to accumulate the PTZ with Anah's helpers.
Purchase of social housing
You can buy social housing, under certain conditions.
PTZ can be used to finance in part the purchase of this dwelling, 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:
- Or at the latest 1 year after its purchase or the end of the work
- Either from your retirement, which must take place no later than 6 years after the purchase or the end of the work. Until you retire, you can rent the accommodation, under certain conditions.
For a home to be considered your primary residence, you must live there at least 8 months a year. But a home 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 housing, etc.)
- Rental pending your retirement.
The amount of your income to be taken into account corresponds 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 2025 application for a PTZ, this is the 2023 reference tax income, recorded on the 2024 tax notice. 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 home.
Number of persons housed | 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 you 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 the 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 zone 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 housed | 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 is €315,000.
- If the cost of 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 set taking into account 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 housed | 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 is €283,500.
- If the cost of 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 set taking into account 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 housed | 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 set taking into account 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 housed | 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 set taking into account 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 repayment period of the PTZ 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 refunded:
- 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 PTZ.
You must apply for PTZ in addition to at least 1 other loan.
This may include:
- Social Accession Loan (SAP)
- Conventional loan
- "Classic" bank real estate loan
- Home Savings Loan
- Supplementary loan.
Conversion of a room into a dwelling
The PTZ can finance 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 :
- Or at the latest 1 year after its purchase or the end of the work
- Either from your retirement, which must take place no later than 6 years after the purchase or the end of the work. Until you retire, you can rent the accommodation, under certain conditions.
For a home to be considered your primary residence, you must live there at least 8 months a year. But a home 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 have to 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 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 2025 application for a PTZ, this is the 2023 reference tax income, recorded on the 2024 tax notice. 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 home.
Number of persons housed | 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 you 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 real estate loan.
You must not have owned your principal residence 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 of your principal residence
- You, or one of the occupants of the dwelling, have mobility card inclusion marked with disability, or a disability 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 the 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.
Here is the maximum cost taken into account for the calculation of the PTZ :
Number of persons housed | Maximum cost of the real estate transaction 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 Cand whose total cost of the operation to be financed (including VAT) 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 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 2025 application for a PTZ, this is the 2023 reference tax income, recorded on the 2024 tax notice. 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 housed | 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 band | |||
|---|---|---|---|---|
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 commune is in zone C, which will be inhabited by 2 people, and of which the amount obtained by dividing 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.
For 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 the PTZ shall be €150,000 x 40% = €60,000.
The amount of your PTZ shall be fixed taking into account your income bracket, from the maximum amount of 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 the accommodation) allows you to obtain 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 repayment period of the PTZ 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 refunded:
- 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 PTZ.
You must apply for PTZ in addition to at least 1 other loan.
This may include:
- Social Accession Loan (SAP)
- Conventional loan
- "Classic" bank real estate loan
- Home Savings Loan
- Supplementary loan.
FYI
Since March 21, 2025, it is possible to accumulate the PTZ with Anah's helpers.
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
Cumulation PTZ and aid from Anah: Article R321-13
Definition of a new immovable after completion of works (2° of 2 of I of Article 257)
To know the area of the commune
To know the municipalities where you can benefit from a PTZ in the old with working conditions
Document template
Ministry of Economy
Ministry in charge of the city
National Agency for Housing Information (Anil)
National Agency for Housing Information (Anil)
Ministry of Housing
Directorate-General for Public Finance
Business for the management of financing and the guarantee of social home ownership (SGFGAS)
