Le lien vers cette page a été envoyé avec succès aux destinataires.
Zero-interest loan (PTZ or PTZ+)
Verified 01 January 2024 - Legal and Administrative Information Directorate (Prime Minister)
For the borrower, the price to be paid for the amount borrowed. For the lender, remuneration of the amount lent.
Interest paid by the borrower when the release of the borrowed funds (amount of the loan) takes place in several installments. Intermediate interest shall be due from the first release of funds until the full amount of the loan has been released. The date on which the interim interest ends is the date on which the borrower starts to repay the loan.
Accommodation occupied at least 8 months per year except for professional obligation, health reasons or cases of force majeure
Exceptional, unforeseeable and irresistible event justifying exemption from an obligation, commitment or liability (for example: natural disaster for an insurance contract, death of the employee for an employment contract...)
All income of the tax-paying household, whether taxed or not
Total cost of purchase, housing works (excluding eco-PTZ and installation of oil, coal or gas heating) and negotiation fees. Notarial fees, registration fees and the purchase of furniture to furnish the dwelling are not taken into account.
Right to use property and to receive rental income from property without being able to dispose of it, including selling it
The right of an owner to dispose of a property without being able to use it, to enjoy it as a usufructuary, or to derive rental income from it. The non-owner can sell his property right, without selling the enjoyment of the property.
Request a PTZ in 2024
Published on 1 January 2024
Law No. 2023-1322 of December 29, 2023 on finances for 2024 changes the conditions under which a PTZ can be achieved in 2024.
These changes include an increase in the resource limits, the maximum amount of the TZP granted and the maximum amount of the real estate project that can be financed through a TZP. It is also a question of tightening the energy performance criterion of the works to be carried out in an old dwelling.
These amendments must be the subject of several orders in council.
This page will be updated as these texts are published in the Official Journal.
Want to know what a Zero Rate Loan (ZLP) is? Under what conditions is it granted, and if you can get it? We'll explain.
What applies to you ?
Veuillez patienter pendant le chargement de la page
The PTZ: titleContent is a state-aided loan. You have to repay the amount you are loaned, but you don't have to pay of interest or intercalary interest, or application fees or expert fees. It is granted in addition to another loan, to buy or build your principal residence.
As for the conditions for granting the PTZ, everything depends on the nature of your future accommodation:
Old housing
The PTZ is used to finance in part the purchase of an old dwelling (i.e. a dwelling) completed more than 5 years) with energy-saving or improvement works (creation, modernization, refurbishment or improvement of living space 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 comply with the following 3 conditions :
1. Housing in zone B2 or C
Your future home must be in a municipality situated in zone B2 or C.
To know the area of the commune of your future housing, you can use this simulator:
Know the area of his commune: A, Abis, B1, B2 or C
2. Housing with improvements
The TZP is to be used to partially finance the purchase of old housing and carrying out improvement work.
This work must represent at least 25% the total cost of the operation to be financed.
This may include:
- Improvement work (creation, modernization, cleaning up or improvement of living areas or ancillary areas)
- Energy saving works (unless financed by an eco-PTZ). The annual energy consumption of the dwelling (heating, hot water, cooling) must be less than 331 kWh/m². This condition may be demonstrated by an energy assessment or a DPE: titleContent indicating at least Class E, after work.
Warning
- You must begin this work after obtaining the PTZ. However, in the case of a contract for sale of building to be renovated (VIR) or a contract of rental and purchase of real estateHowever, work can begin before obtaining the PTZ.
- The works must be completed within a period which may not exceed 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, litigation procedure).
3. Dwelling to be used as a principal residence
Your future housing financed with PTZ must become your principal residence :
- At the latest 1 year after its purchase or completion of the work
- Either from retirement, which must occur at the latest 6 years after the purchase or completion of the work. Until you retire, you can rent the accommodation, under certain conditions.
To qualify as your principal residence, you must inhabit it at least 8 months of the year. But a home that you occupy less than 8 months a year can still be considered your main residence, in the following cases:
- case of force majeure
- or reason for health
- or obligation linked to the professional activity (regular travel, official accommodation, etc.)
- or rented out pending your retirement.
To get a PTZ, the amount of your income shall not exceed one maximum amount.
The amount of your income matches the greater of:
- Total of your reference tax income and other people who will live in the dwelling. The tax income to be taken into account is that for year N-2. For a 2024 application for PTZ, this is the 2022 benchmark tax income, recorded on the 2023 tax notice. If you have revenue 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 operation to be financed TTC: titleContent divided by 9
The maximum amount not to be exceeded depends on the number of persons to be housed and the municipality of your future accommodation.
A simulator allows you to know the area of the commune of your future accommodation:
Know the area of his commune: A, Abis, B1, B2 or C
FYI
To obtain the PTZ, the municipality of your future housing must be located in zone B2 or C.
You must not have owned your principal residence in the 2 years prior to the TTZ.
However, this condition does not apply if you are in at least one of the following :
- You have either usufruct, or bare-ownership of your principal residence
- You or one of the occupants of the dwelling have a mobility card inclusion marked invalidity, or a disability card of 2e or 3e category (absolute inability to work), or collect 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 establishing the disaster.
FYI
If you have obtained a PTZ and are selling your home to buy a new one, you can request the transfer of your PTZ.
Estimate the amount of your PTZ
You can estimate the amount of your PTZ using this simulator:
Simulator - Zero Rate Loan (PTZ)
Calculate the maximum amount of your PTZ
This amount depends on the municipality of your future accommodation.
To know the area of the commune of your future housing, you can use this simulator:
Know the area of his commune: A, Abis, B1, B2 or C
Répondez aux questions successives et les réponses s’afficheront automatiquement
In zone B2
Your PTZ can represent up to 40% of the total cost of operation to be financed (TTC: titleContent).
But to do this calculation, the amount of the total cost of operation to be financed shall be taken into account up to a maximum amount.
This maximum amount depends on the number of people accommodated.
Example :
For 1 couple with 2 children (therefore 4 people) in zone B2, the maximum total cost taken into account is €220,000
- If the total cost of the operation is equal to or greater than €220,000, then the maximum amount of the PTZ is €220,000 x = €88,000
- If the total cost of the operation is €150,000, this amount is less than €220,000, then the maximum amount of the PTZ is €150,000 x 40% = €60,000
In zone C
Your PTZ can represent up to 40% of the total cost of operation to be financed (TTC: titleContent).
But to do this calculation, the amount of the total cost of operation to be financed shall be taken into account up to a maximum amount.
This maximum amount depends on the number of people accommodated.
Example :
For 1 couple with 2 children (therefore 4 people) in zone C, the maximum total cost taken into account is €200,000.
- If the total cost of the operation is equal to or greater than €200,000, then the maximum amount of the PTZ is €200,000 x 40% = €80,000
- If the total cost of the operation is €150,000, this amount is less than €200,000, then the maximum amount of the PTZ is €150,000 x 40% = €60,000
The repayment term of the PTZ depends on:
- Your income
- Total cost of the operation to be financed
- Number of people who will live in your future home
- Area of the commune of your future housing
The higher your income, the shorter the term of the loan.
It extends from 20 to 25 years depending on the case, and includes 2 periods:
- First, the deferral period, during which you do not repay the PTZ (depending on your income, this period is 5, 10 or 15 years)
- Second, the loan repayment period varies between 10 and 15 years
Only financial institutions that have signed an agreement with the government (e.g. a bank) can grant a PTZ.
Each institution freely assesses your ability to repay a loan (called your creditworthiness) and your warranties.
The hotel is not obliged to give you the PTZ.
You must apply for the PTZ in addition to at least 1 other loan.
This may include one of the following loans:
- Social Accession Loan (SAP)
- Agreed loan
- "Classic" Bank Mortgage
- Home Savings Loan
- Supplementary loan
New or new dwelling
The PTZ can finance in part :
- Or the purchase of a new dwelling, that is to say a dwelling completed less than 5 years ago, for its 1re occupation
- Or the purchase of a dwelling for its 1re occupation after the work necessary for its production or delivery
- Either the construction of a dwelling, with or without the purchase of rights to be built or the land to be built
- The conversion of an existing premises into a dwelling
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 a single real estate transaction.
1. Collective dwelling
Your future dwelling must be in a building comprising more than 2 units partially or totally superimposed.
2. Housing in zone A, Abis, B1
Your future home must be in a municipality situated in zone B2 or C.
To know the area of the commune of your future housing, you can use this simulator:
Know the area of his commune: A, Abis, B1, B2 or C
3. Dwelling to be used as a principal residence
Your future housing financed with PTZ must become your principal residence :
- At the latest 1 year after its purchase or completion of the work
- Either from retirement, which must occur at the latest 6 years after the purchase or completion of the work. Until you retire, you can rent the accommodation, under certain conditions.
To qualify as your principal residence, you must inhabit it at least 8 months of the year. But a home that you occupy less than 8 months a year can still be considered your main residence, in the following cases:
- case of force majeure
- or reason for health
- or obligation linked to the professional activity (regular travel, official accommodation, etc.)
- or rented out pending your retirement.
To obtain a PTZ, the amount of your income shall not exceed one maximum amount.
The amount of your income match the greater of:
- Total of your reference tax income and that of other persons who will live in the dwelling. The tax income to be taken into account is that for year N-2. For a 2024 application for PTZ, this is the 2022 benchmark tax income, recorded on the 2023 tax notice. If you have revenue 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 operation to be financed TTC: titleContent divided by 9
The maximum amount not to exceed depends on the number of people housed and the municipality of your future accommodation.
A simulator makes it possible to know the area to which the municipality belongs:
To obtain a PTZ, the amount of your income shall not exceed one maximum amount.
The amount of your income match the greater of:
- Total of your reference tax income and that of other persons who will live in the dwelling. The tax income to be taken into account is that for year N-2. For a 2024 application for PTZ, this is the 2022 benchmark tax income, recorded on the 2023 tax notice. If you have revenue 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 operation to be financed TTC: titleContent divided by 9
The maximum amount not to exceed depends on the number of people housed and the municipality of your future accommodation.
A simulator makes it possible to know the area to which the municipality belongs:
You must not have owned your principal residence in the 2 years prior to the TTZ.
However, this condition does not apply if you are in at least one of the following :
- You have either usufruct, or bare-ownership of your principal residence
- You or one of the occupants of the dwelling have a mobility card inclusion marked invalidity, or a disability card of 2e or 3e category (absolute inability to work), or collect 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 establishing the disaster.
FYI
If you have obtained a PTZ and are selling your home to buy a new one, you can request the transfer of your PTZ.
Estimate the amount of your PTZ
You can estimate the amount of your PTZ using this simulator:
Simulator - Zero Rate Loan (PTZ)
Calculate the maximum amount of your PTZ
This amount depends on the area of the commune of your future housing.
To find out, you can use this simulator:
Know the area of his commune: A, Abis, B1, B2 or C
Répondez aux questions successives et les réponses s’afficheront automatiquement
In areas A and A bis
Your PTZ can represent up to 40% of the total cost of operation to be financed (TTC: titleContent).
To make this calculation, the amount of the total cost of operation to be financed shall be taken into account up to a maximum amount.
This maximum amount depends on the number of people accommodated.
Example :
For 1 couple with 2 children (thus 4 people) in zone A, the maximum total cost taken into account is €300,000.
- If the operation cost is equal to or greater than €300,000, then the maximum amount of the PTZ is €300,000 x = €120,000
- If the total cost of the operation is €150,000, this amount is less than €300,000, then the maximum amount of the PTZ is €150,000 x 40% = €60,000
In zone B1
Your PTZ can represent up to 40% of the total cost of operation to be financed (TTC: titleContent).
To make this calculation, the amount of the total cost of operation to be financed shall be taken into account up to a maximum amount.
This maximum amount depends on the number of people accommodated.
Example :
For 1 couple with 2 children (therefore 4 people) in zone B1, the maximum total cost taken into account is €270,000.
- If the operation cost is equal to or greater than €270,000, then the maximum amount of the PTZ is €270,000 x 40% = €108,000
- If the total cost of the operation is €150,000, this amount is less than €270,000, then the maximum amount of the PTZ is €150,000 x 40% = €60,000
The repayment term of the PTZ depends on:
- Your income
- Total cost of the operation to be financed
- Number of people who will live in your future home
- Area of the commune of your future housing
The higher your income, the shorter the term of the loan.
It extends from 20 to 25 years depending on the case, and includes 2 periods:
- First, the deferral period, during which you do not repay the PTZ (depending on your income, this period is 5, 10 or 15 years)
- Second, the loan repayment period varies between 10 and 15 years
Only financial institutions that have signed an agreement with the government (e.g. a bank) can grant a PTZ.
Each institution freely assesses your ability to repay a loan (called your creditworthiness) and your warranties.
The hotel is not obliged to give you the PTZ.
You must apply for the PTZ in addition to at least 1 other loan.
This may include one of the following loans:
- Social Accession Loan (SAP)
- Agreed loan
- "Classic" Bank Mortgage
- Home Savings Loan
- Supplementary loan
Social housing
You can buy the social housing you live in, under certain conditions.
The PTZ can be granted to you to partially finance the purchase of this house, with or without work.
The PTZ can also finance the simultaneous purchase of outbuildings (garage, parking space...).
Only one PTZ may be granted per real estate transaction.
FYI
You can buy a vacant social housing, without being a tenant of a social housing, under certain conditions.
Your future housing financed with PTZ must become your principal residence :
- At the latest 1 year after its purchase or completion of the work
- Either from retirement, which must occur at the latest 6 years after the purchase or completion of the work. Until you retire, you can rent the accommodation, under certain conditions.
To qualify as your principal residence, you must inhabit it at least 8 months of the year. But a home that you occupy less than 8 months a year can still be considered your main residence, in the following cases:
- case of force majeure
- or reason for health
- or obligation linked to the professional activity (regular travel, official accommodation, etc.)
- or rented out pending your retirement.
To obtain a PTZ, the amount of your income shall not exceed one maximum amount.
The amount of your income match the greater of:
- Total of your reference tax income and that of other persons who will live in the dwelling. The tax income to be taken into account is that for year N-2. For a 2024 application for PTZ, this is the 2022 benchmark tax income, recorded on the 2023 tax notice. If you have revenue 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 operation to be financed TTC: titleContent divided by 9
The maximum amount not to exceed depends on the number of people housed and the municipality of your future accommodation.
A simulator makes it possible to know the area to which the municipality belongs:
Estimate the amount of your PTZ
You can estimate the amount of your PTZ using this simulator:
Simulator - Zero Rate Loan (PTZ)
Calculate the maximum amount of your PTZ
This amount depends on the area of your future home.
To know the area of your future home, you can use this simulator:
Know the area of his commune: A, Abis, B1, B2 or C
Répondez aux questions successives et les réponses s’afficheront automatiquement
In areas A and A bis
Your PTZ can represent up to 10% of the total cost of operation to be financed (TTC: titleContent).
But the amount of total cost of operation to be financed shall be taken into account up to a maximum amount.
This maximum amount depends on the number of people accommodated.
Example :
For 1 couple with 2 children (thus 4 people) in zone A, the maximum total cost taken into account is €300,000.
- If the operation cost is equal to or greater than €300,000, then the maximum amount of the PTZ is €300,000 x 10% = €30,000
- If the total cost of the operation is €150,000, this amount is less than €300,000, then the maximum amount of the PTZ is €150,000 x 10% = €15,000
In zone B1
Your PTZ can represent up to 10% of the total cost of operation to be financed (TTC: titleContent).
But the amount of total cost of operation to be financed shall be taken into account up to a maximum amount.
This maximum amount depends on the number of people accommodated.
Example :
For 1 couple with 2 children (therefore 4 people) in zone B1, the maximum total cost taken into account is: €270,000.
- If the operation cost is equal to or greater than €270,000, then the maximum amount of the PTZ is €270,000 x 10% = €27,000
- If the total cost of the operation is €150,000, this amount is less than €270,000, then the maximum amount of the PTZ is €150,000 x 10% = €15,000
In zone B2
The amount of PTZ that can be granted to you can go up to 10% of the total cost of operation to be financed (TTC: titleContent).
But the amount of total cost of operation to be financed shall be taken into account up to a maximum amount.
This maximum amount depends on the number of people housed and the area of the accommodation.
Example :
For a couple with 2 children (therefore 4 occupants) who buy a house in zone B2, the ceiling of the total cost of the operation is €220,000.
- If the total cost of the operation is €150,000, which is less than €220,000, then the maximum amount of the PTZ is €150,000 x 10% = €15,000
- If the total cost of the operation is equal to or greater than this amount, then the maximum amount of the PTZ is €220,000 x 10% = €22,000
In zone C
The amount of PTZ that can be granted to you can go up to 10% of the total cost of operation to be financed (TTC: titleContent).
But the amount of total cost of operation to be financed shall be taken into account up to a maximum amount.
This maximum amount depends on the number of people housed and the area of the accommodation.
Example :
For a couple with 2 children (thus 4 occupants) who buy a C-shaped accommodation, the total cost maximum taken into account is €200,000.
- If the total cost of the operation is €150,000, which is less than €200,000, then the maximum amount of the PTZ is €150,000 x 10% = €15,000
- If the total cost of the operation is equal to or greater than this amount, then the maximum amount of the PTZ is €200,000 x 10% = €20,000
The repayment term of the PTZ depends on:
- Your income
- Total cost of the operation to be financed
- Number of people who will live in your future home
- Area of the commune of your future housing
The higher your income, the shorter the term of the loan.
It extends from 20 to 25 years depending on the case, and includes 2 periods:
- First, the deferral period, during which you do not repay the PTZ (depending on your income, this period is 5, 10 or 15 years)
- Second, the loan repayment period varies between 10 and 15 years
Only financial institutions that have signed an agreement with the government (e.g. a bank) can grant a PTZ.
Each institution freely assesses your ability to repay a loan (called your creditworthiness) and your warranties.
The hotel is not obliged to give you the PTZ.
You must apply for the PTZ in addition to at least 1 other loan.
This may include one of the following loans:
- Social Accession Loan (SAP)
- Agreed loan
- "Classic" Bank Mortgage
- 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
Maintenance of the loan
Maintenance of the loan
Loan amount (deal amount and applicable rate)
Length of loan
Definition of a new building after completion of works (2° of 2 of I of Article 257)
To know the area of the municipality
To know the municipalities where you can benefit from a PTZ in the old with working conditions
Simulator
Document template
Ministry of Economy
National Agency for Housing Information (Anil)
National Agency for Housing Information (Anil)
Ministry of Housing