Zero-interest loan (PTZ or PTZ+) - Purchase of social housing
Verified 30 septembre 2025 - Directorate of Legal and Administrative Information (Prime Minister)
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.
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)
