Zero-interest loan (PTZ or PTZ+) - Purchase of a new home

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

Your situation

  • You're buying a new home
  • "Classic" Purchase
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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.

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.

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.

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

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.

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

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

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.

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

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

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:

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