Do you qualify for the Zero Rate Loan (ZLP) more than once?

Verified 21 February 2022 - Directorate for Legal and Administrative Information (Prime Minister)

Yes, provided that you have not owned your principal residence in the 2 years prior to obtaining the PTZ: titleContent. However, this condition is not required in certain situations: disability, disability, victim of natural or technological disaster, bare owner or usufructuary.

FYI  

You can only get one PTZ for one real estate deal.

General case

You can claim PTZ on condition that you have not owned your principal residence during the 2 years preceding the loan offer.

To obtain the PTZ, you must respect the others criteria for the award of the PTZ, including the ceiling on resources.

To find out if your income does not exceed this limit, you can use this simulator as an indication:

Simulator - Zero Rate Loan (PTZ)

FYI  

you can request the transfer of your PTZ when you sell your primary residence purchased using a PTZ to buy another.

Disability or disability

You can claim the PTZ, even if you have owned your principal residence in the 2 years preceding the loan offer, provided you are in one of the following situations:

  • You or a future occupant of the dwelling has a mobility card inclusion including the words invalidity
  • You or a future occupant of the dwelling has a disability card of 2e or 3e category (absolute incapacity to work)
  • You or a future occupant of the dwelling perceives theAAH: titleContent
  • You or a future occupant of the dwelling perceives theAEEH: titleContent

To obtain the PTZ, you must respect the others criteria for the award of the PTZ, including the ceiling on resources.

To find out if your income does not exceed this limit, you can use this simulator as an indication:

Simulator - Zero Rate Loan (PTZ)

Natural or technological disaster

You can claim the PTZ, even if you have owned your principal residence during the 2 years preceding the loan offer, when a disaster (natural or technological) has made your principal residence permanently uninhabitable.

To do this, you must meet the following conditions:

  • You apply for PTZ within 2 years of publication in the Official Journal of the order establishing the claim.
  • You provide proof of the need to build or purchase a new home.
  • You fill in the others criteria for the award of the PTZ, including the ceiling on resources.

To find out if your income does not exceed this limit, you can use this simulator as an indication:

Simulator - Zero Rate Loan (PTZ)

Unowned or usufructuary

You can claim PTZ, even if you have been usufructuary or bare owner of your principal residence, during the 2 years preceding the loan offer.

To obtain the PTZ, you must respect the others criteria for the award of the PTZ, including the ceiling on resources.

To find out if your income does not exceed this limit, you can use this simulator as an indication:

Simulator - Zero Rate Loan (PTZ)

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