Simulator, zero-interest loan (PTZ), April 2025 - December 2027 scales

Zero-interest loan,
are you eligible?

Since April 1, 2025, the PTZ finances new collective and individual housing nationwide, and older homes with renovation works in zones B2 and C. Check your eligibility and the maximum amount in 30 seconds. Indicative simulation, free, no sign-up.

New flat

New apartment in a collective building, anywhere in France

Your project

Household and operation

Property zone (A / B / C zoning)

We do not yet have an automatic postcode-to-zone mapping: select the zone of the property's municipality. Check it on the official simulator: find your municipality's zone (service-public.fr)

Number of occupants

Everyone who will live in the home, including you.

Household reference tax income (year N-2)

€

Sum of the 2024 reference tax incomes of all occupants (2025 tax notice on 2024 income).

Total cost of the operation

€

Purchase price + any works + negotiation fees. Excluding notary fees.

I have not owned my primary residence in the past 2 years

First-time buyer condition. Exceptions: disability (mobility inclusion card), natural or technological disaster.

Complementary financing

Personal down payment

€

The PTZ can never finance the operation alone: a main loan is mandatory.

Main loan rate (excluding insurance)

Indicative nominal rate of your complementary bank loan.

Main loan term

Eligible for the PTZ

Maximum PTZ amount

81 000 €

Bracket 3, 40% share of the capped cost

Income taken into account38 000 €

Maximum of your reference tax income and the operation cost divided by 9.

Household income ceiling48 300 €

Cost taken into account (capped)202 500 €

220 000 € > 202 500 €

Indicative financing plan

Down payment20 000 €

PTZ (0% interest)81 000 €

Main loan119 000 €

Main loan monthly payment (0.30% insurance incl.)613 € / month

Estimated interest saved thanks to the PTZ38 061 €

Interest the PTZ amount would cost if borrowed at the main loan rate over 25 years. The PTZ repayment deferral is not modelled.

What next?

Build your financing file

Estimate your full borrowing capacity (PTZ + main loan) and get support from a partner IOBSP broker.

Simulate my borrowing capacity

Indicative, non-contractual simulation based on the scales applicable to offers issued from April 1, 2025 to December 31, 2027 (art. L.31-10-1 et seq. of the French CCH, decrees no. 2024-304 and no. 2025-304). The PTZ is granted by a bank after a full review: additional conditions are not simulated here (primary-residence occupation, energy performance required for older homes, repayment deferral and term depending on the bracket, overseas specifics). Contact your bank or an IOBSP broker.

Rules applied

Cout retenu plafonne a 202 500 EUR (plafond d'operation zone/foyer, art. L.31-10-10 CCH)
Tranche 3 : quotite 40 % du cout retenu

April 1, 2025 reform

The 2025 budget law extends the PTZ nationwide for new housing, both collective and individual, until December 31, 2027. New houses are financeable everywhere again, with reduced shares (10 to 30% depending on income).

Older homes with works (zones B2 and C)

In municipalities in zones B2 and C, the PTZ finances an older home provided works represent at least 25% of the total cost of the operation, with an energy performance requirement after works.

Deferred repayment

The PTZ is repaid without interest, with a 2 to 15 year deferral depending on your income bracket: you start by repaying only the main loan. Total term up to 25 years.

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