When to rent the accommodation purchased with a PTZ, loan agreement or NOT?

You can rent the property within 6 years of the date of payment of the loan, under the following conditions:

• You're in a special situation
• You apply specific rental rules.

Special situation

You must be in at least one the following specific situations:

• The home will become your primary residence upon retirement, which will occur in less than 6 years (less than 12 years after the loan is paid).
• You are on professional mobility. As a result, your new journey (outward) between your place of activity and the accommodation financed is at least 50 km or represents a transport time of at least 1h30.
• You divorce or terminate your Civil partnerships: titleContent.
• You are disabled or incapacitated and you have a disability card or a mobility inclusion card (MIC) marked “disability”.
• You have been unemployed for more than a year and your situation is confirmed by your registration with France Travail (formerly Pôle emploi).

Specific leasing rules

You must respect all the following rules:

• The total rental period of the accommodation may not exceed 6 years.
• The accommodation must not be rented to serve as a furnished for tourism, or furnished dwelling, or second home or official dwelling.
• The rent does not exceed rent ceilings for social housing (type PLS).
• The tenant's income at the signing of the lease must not exceed resource limits for obtaining PLS-type social housing.

You can rent the accommodation purchased with a PTZ: titleContent or an agreed loan or NOT: titleContent.

You can rent the accommodation after 6 years from the date of payment of the loan, provided you have the agreement of your bank.

To do this, you need to send a letter to your bank. In this letter, you must present your situation (reminder of the loan and the housing concerned) and ask the bank if it opposes the rental of the housing.

If the bank does not object to the rental of the dwelling, the loan (NOT: titleContent, PTZ: titleContent or agreed loan) can be maintained and you can rent the accommodation.

You can rent the accommodation before you have fully repaid the loan, if you respect the 2 following conditions:

• You're in a special situation
• You apply specific rental rules.

Special situation

You must be in at least one the following specific situations:

• The home will become your primary residence upon retirement, which will occur in less than 6 years (less than 12 years after the loan is paid).
• You are on professional mobility. As a result, your new journey (outward) between your place of activity and the accommodation financed is at least 50 km or represents a transport time of at least 1h30.
• You divorce or terminate your Civil partnerships: titleContent.
• You are disabled or incapacitated and you have a disability card or a mobility inclusion card (MIC) marked “disability”.
• You have been unemployed for more than a year and your situation is confirmed by your registration with France Travail (formerly Pôle emploi).

Specific leasing rules

You must respect all the following rules:

• The total rental period of the accommodation may not exceed 6 years.
• The accommodation must not be rented to serve as a furnished for tourism, or furnished dwelling, or second home or official dwelling.
• The rent does not exceed rent ceilings for social housing (type PLS).
• The tenant's income at the signing of the lease must not exceed resource limits for obtaining PLS-type social housing.

Accommodation purchased with a PTZ: titleContent or an agreed loan or NOT: titleContent can be rented.