Zero-interest loan (PTZ or PTZ+) - Purchase of old housing

Verified 30 septembre 2025 - Directorate of Legal and Administrative Information (Prime Minister)

Your situation

  • You're buying an old house
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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.

Tableau - The amount that your income must be less than to obtain the PTZ depending on the location of the dwelling and the number of people housed

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:

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

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 :

Tableau - Maximum cost of the real estate operation taken into account for the calculation of the PTZ according to the number of people housed and the location of the housing

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:

Tableau - PTZ: family coefficient to be used according to the number of persons housed

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:

Tableau - PTZ: determine the income bracket to which you belong

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 :

Tableau - Maximum share of the PTZ in the financing of the real estate project

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:

FYI  

Since March 21, 2025, it is possible to accumulate the PTZ with Anah's helpers.

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