When to rent a house purchased with a PTZ or a loan agreement?

You can lease the unit within 6 years of the loan payment date, if the following 2 conditions are met:

• You are in a special situation
• You respect specific leasing rules

Special situation

You must be in one of the following special situations:

• The home will become your principal residence at the time of your retirement, which will occur in less than 6 years (i.e. less than 12 years after payment of the loan)
• You're on a job mobility. As a result, your new (one-way) journey from your place of activity to the funded accommodation is at least 50 km or represents a transport time of at least 1 h 30.
• You divorce or end your Civil partnerships: titleContent
• You are disabled or incapacitated and you have a disability card or a mobility inclusion card (MIC) marked “disability”
• You have been unemployed for more than a year and your situation is evidenced by your registration with France Travail (formerly Pôle emploi)

Specific leasing rules

You must follow all of the following rules:

• The total rental period of the accommodation may not exceed 6 years
• Rented accommodation should not be used as furnished tourist, furnished dwelling, second home or official dwelling
• The rent does not exceed rent ceilings for social housing (PLS type)
• The tenant's resources, at the signing of the lease, must not exceed resource ceilings for social housing of the PLS type

The accommodation purchased with a PTZ: titleContent or an agreed loan or a NOT: titleContent can be rented out.

You can rent the house after 6 years from the date of payment of the loan, provided you have the agreement of your bank.

To do this, you must send a letter to your bank. This letter should present your situation (recall of the loan and the dwelling concerned) and ask her if she does not object to the rental of the dwelling.

If the bank agrees, the loan (NOT: titleContent, PTZ: titleContent or agreed loan) can be maintained and the rental of the accommodation is free.

You can rent the unit before you have fully repaid the loan, if you meet the following 2 conditions:

• You are in a special situation
• You respect specific leasing rules

Special situation

You must be in one of the following special situations:

• The home will become your principal residence at the time of your retirement, which will occur in less than 6 years (i.e. less than 12 years after payment of the loan)
• You're on a job mobility. As a result, your new (one-way) journey from your place of activity to the funded accommodation is at least 50 km or represents a transport time of at least 1 h 30.
• You divorce or end your Civil partnerships: titleContent
• You are disabled or incapacitated and you have a disability card or a mobility inclusion card (MIC) marked “disability”
• You have been unemployed for more than a year and your situation is evidenced by your registration with France Travail (formerly Pôle emploi)

Specific leasing rules

You must follow all of the following rules:

• The total rental period of the accommodation may not exceed 6 years
• Rented accommodation should not be used as furnished tourist, furnished dwelling, second home or official dwelling
• The rent does not exceed rent ceilings for social housing (PLS type)
• The tenant's resources, at the signing of the lease, must not exceed resource ceilings for social housing of the PLS type

The accommodation purchased with a PTZ: titleContent or an agreed loan or a NOT: titleContent can be rented out.