(PTZ or PTZ+) - Purchase of social housing

Verified 15 septembre 2026 - Public Service / (Prime Minister)

Your situation

  • You buy the social housing you live in
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You can buy social housing, under certain conditions.

PTZ can be used to fund in part the purchase of this housing, with or without works.

The PTZ can also finance the simultaneous construction or the simultaneous purchase of outbuildings (garage, parking space...).)

It cannot be granted only one PTZ per real estate transaction.

Your future home must become your main residence:

  • Either at the latest 1 year after its purchase or the end of works
  • Either from your retirement, which must occur at the latest 6 years after the purchase or termination of works. Until you retire, you can rent the accommodation, under certain conditions.

In order for a dwelling to be considered your principal residence, you must live there for at least 8 months a year. But a dwelling that you occupy less than 8 months per year can still be considered your main residence, in one of the following cases:

  • Force majeure
  • Health Reason
  • Obligation linked to professional activity (regular travel, official accommodation...))
  • Rental pending your retirement.

The amount of your income to be taken into account corresponds to the greater of these two amounts:

  • Total of your reference tax income and that of the other people who will live in the dwelling. The tax income to be taken into account is that of year N-2. For a PTZ application made in 2025, this is the 2023 reference tax income, recorded on the 2024 tax assessment. If you have income from the foreigner, it is to be taken into account. You will need to provide proof of this when applying for PTZ.
  • Total cost of the real estate operation to be financed TTC: titleContent divided by 9.

To obtain a PTZ, the amount of your income must be less than a certain amount.

This amount depends on the number of people housed and the municipality of your future housing.

Tableau - Amount at which your income must be lower to get the PTZ depending on the location of the dwelling and the number of people housed

Number of persons accommodated

Zone A or Aa

Area B1

Area B2

Area C

1

€49,000

€34,500

€31,500

€28,500

2

€73,500

€51,750

€47,250

€42,750

3

€88,200

€62,100

€56,700

€51,300

4

€102,900

€72,450

€66,150

€59,850

5

€117,600

€82,800

€75,600

€68,400

6

€132,300

€93,150

€85,050

€76,950

7

€147,000

€103,500

€94,500

€85,500

From 8

€161,700

€113,850

€103,950

€94,050

A simulator allows to know the area to which the municipality belongs:

Find out if a zero interest loan (PTZ) is possible in your municipality

Estimate the amount of PTZ

FYI  

The PTZ is granted to you in addition to one or more loans. Its amount may not exceed the amount of loans that have a repayment period of at least 2 years.

You can estimate the amount of your PTZ using this simulator:

Calculate the amount of the interest-free loan (PTZ)

Know the calculation of the maximum amount of PTZ

This amount depends on the area of your future home.

To know the area of your future home, you can use this simulator:

Find out if a zero interest loan (PTZ) is possible in your municipality

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In zones A and A bis

Reminder

The PTZ is granted to you in addition to one or more loans. Its amount may not exceed the amount of loans that have a repayment period of at least 2 years.

Your PTZ can represent up to 20% from total cost of the operation to be financed (TTC: titleContent).

But the amount of total cost of the operation to be financed is taken into account up to a maximum amount.

This maximum amount depends on the number of people accommodated.

Tableau - Maximum PTZ amount in zones A and AbisThis table shows the maximum cost of the real estate operation used as the basis for calculating the value of the PTZ+ will be calculated. This cost depends on the number of occupants of the dwelling and the area in which the dwelling is located.

Number of persons accommodated

Maximum total cost taken into account

Maximum amount of PTZ

1

€150,000

€30,000

2

€225,000

€45,000

3

€270,000

€54,000

4

€315,000

€63,000

5 and more

€360,000

€72,000

Example :

For 1 couple with 2 children (so 4 people) in zone A, the maximum total cost taken into account shall be €315,000.

  • If the cost of the operation is equal to or greater than €315,000, then the maximum amount of the PTZ is €315,000 x 20% = €63,000.
  • If the total cost of the operation is of €150,000, this amount is less than €315,000, then the maximum amount of the PTZ is €150,000 x 20% = €30,000.

The amount of your PTZ shall be determined taking into account the maximum amount of PTZ thus determined, and the characteristics of other loans to finance your real estate project.

Indeed, the amount of the PTZ must not exceed the amount of the other loan(s) of more than 2 years that finance, with the PTZ, your real estate project.

In zone B1

Reminder

The PTZ is granted to you in addition to one or more loans. Its amount may not exceed the amount of loans that have a repayment period of at least 2 years.

Your PTZ can represent up to 20% from total cost of the operation to be financed (TTC: titleContent).

But the amount of total cost of the operation to be financed is taken into account up to a maximum amount.

This maximum amount depends on the number of people accommodated.

Tableau - Maximum PTZ amount in zone B1This table shows the maximum cost of the real estate operation used as the basis for calculating the value of the PTZ+ will be calculated. This cost depends on the number of occupants of the dwelling and the area in which the dwelling is located.

Number of persons accommodated

Maximum total cost taken into account

Maximum amount of PTZ

1

€135,000

€27,000

2

€202,500

€40,500

3

€243,000

€48,600

4

€283,500

€56,700

5 and more

€324,000

€64,800

Example :

For 1 couple with 2 children (so 4 people) in zone B1, the maximum total cost taken into account shall be €283,500.

  • If the cost of the operation is equal to or greater than €283,500, then the maximum amount of the PTZ is €283,500 x 20% = €56,700
  • If the total cost of the operation is of €150,000, this amount is less than €283,500, then the maximum amount of the PTZ is €150,000 x 20% = €30,000.

The amount of your PTZ shall be determined taking into account the maximum amount of PTZ thus determined, and the characteristics of other loans to finance your real estate project.

Indeed, the amount of the PTZ must not exceed the amount of the other loan(s) of more than 2 years that finance, with the PTZ, your real estate project.

In zone B2

Reminder

The PTZ is granted to you in addition to one or more loans. Its amount may not exceed the amount of loans that have a repayment period of at least 2 years.

The amount of PTZ that can be granted to you can go up to 20% from total cost of the operation to be financed (TTC: titleContent).

But the amount of total cost of the operation to be financed is taken into account up to a maximum amount.

This maximum amount depends on the number of people accommodated and the area of the accommodation.

Tableau - Maximum PTZ amount in zone B2This table shows the maximum cost of the real estate operation used as the basis for calculating the value of the PTZ+ will be calculated. This cost depends on the number of occupants of the dwelling and the area in which the dwelling is located.

Number of persons accommodated

Maximum total cost taken into account

Maximum amount of PTZ

1

€110,000

€22,000

2

€165,000

€33,000

3

€198,000

€39,600

4

€231,000

€46,200

5 and more

€264,000

€52,800

Example :

For a couple with 2 children (so 4 occupants) who buys a home in the zone B2, the ceiling of total cost of the operation is of €231,000.

  • If the total cost of the operation is of €150,000, which is less than €231,000, then the maximum amount of the PTZ is €150,000 x 20% = €30,000.
  • If the total cost of the operation is equal to or greater than this amount, then the maximum amount of the PTZ is €231,000 x 20% = €46,200.

The amount of your PTZ shall be determined taking into account the maximum amount of PTZ thus determined, and the characteristics of other loans to finance your real estate project.

Indeed, the amount of the PTZ must not exceed the amount of the other loan(s) of more than 2 years that finance, with the PTZ, your real estate project.

In zone C

Reminder

The PTZ is granted to you in addition to one or more loans. Its amount may not exceed the amount of loans that have a repayment period of at least 2 years.

The amount of PTZ that can be granted to you can go up to 20% from total cost of the operation to be financed (TTC: titleContent).

But the amount of total cost of the operation to be financed is taken into account up to a maximum amount.

This maximum amount depends on the number of people accommodated and the area of the accommodation.

Tableau - Maximum PTZ amount in zone CThis table shows the maximum cost of the real estate operation used as the basis for calculating the value of the PTZ+ will be calculated. This cost depends on the number of occupants of the dwelling and the area in which the dwelling is located.

Number of persons accommodated

Maximum total cost taken into account

Maximum amount of PTZ

1

€100,000

€20,000

2

€150,000

€30,000

3

€180,000

€36,000

4

€210,000

€42,000

5 and more

€240,000

€48,000

Example :

For a couple with 2 children (so 4 occupants) who buys a home in zone C, the total cost the maximum taken into account is €210,000.

  • If the total cost of the operation is of €150,000, which is less than €210,000, then the maximum amount of the PTZ is €150,000  x 20%  = €30,000.
  • If the total cost of the operation is equal to or greater than this amount, then the maximum amount of the PTZ is €210,000 x 20% = €42,000.

The amount of your PTZ shall be determined taking into account the maximum amount of PTZ thus determined, and the characteristics of other loans to finance your real estate project.

Indeed, the amount of the PTZ must not exceed the amount of the other loan(s) of more than 2 years that finance, with the PTZ, your real estate project.

The PTZ repayment term cannot not to exceed 25 years.

The repayment period depends on the amount of your income. The higher your income, the shorter the term of the loan.

The PTZ must be reimbursed:

  • Either in 1 single period
  • Either in 2 periods, when there is a repayment delay. During the 1re period, that of the deferred, you do not repay your PTZ. This period may not be less than 2 years.

Only financial institutions having signed an agreement with the State (for example, a bank) can grant a PTZ. You can consult the list of establishments concerned.

Each institution evaluates freely your ability to repay a loan (called your solvency) and your guarantees.

The establishment is not obligated to grant you the PTZ.

You have to ask for the PTZ in addition to at least 1 other loan.

This may include:

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