Zero-interest loan (PTZ),
are you eligible?
Since 1 April 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. Indicative simulation, free, no sign-up.
Household and operation
- Barème des offres émises depuis le 2025-04-01 et jusqu'au 2027-12-31 (https://www.anil.org/aj-offres-pret-ptz-2025/)
- Coût retenu plafonné à 202 500 EUR (plafond d'opération de la zone et du foyer, art. L.31-10-10 CCH)
- Tranche 2, quotité de 40 % du coût retenu
- Tranche 2, différé de 8 ans puis 12 ans de remboursement
1 April 2025 reform
The 2025 budget law extends the PTZ nationwide for new housing, both collective and individual, until 31 December 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 two to ten year deferral depending on your income bracket. You start by repaying only the main loan. Total term up to twenty-five years.
Looking for a property to buy?
Browse the properties for sale with Briveo, a licensed French estate agency (loi Hoguet professional licence). And if you also have a property to sell, the valuation is free.
Browse freely, no commitment.