{"id":17134,"date":"2026-08-01T11:09:48","date_gmt":"2026-08-01T10:09:48","guid":{"rendered":"https:\/\/www.experts-du-patrimoine.fr\/definitions\/ptz-zero-rate-loan\/"},"modified":"2026-08-08T10:15:19","modified_gmt":"2026-08-08T09:15:19","slug":"ptz-zero-rate-loan","status":"publish","type":"lexique","link":"https:\/\/www.experts-du-patrimoine.fr\/en\/glossary\/ptz-zero-rate-loan\/","title":{"rendered":"PTZ (Zero-Rate Loan)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>The PTZ, or Zero-Rate Loan, is a public scheme designed to facilitate homeownership for households with modest or intermediate incomes. It finances part of the purchase or construction of a primary residence with a loan whose interest rate is set at 0%. <\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">The borrowed capital must therefore be repaid, but the borrower pays no interest on the amount financed by the PTZ. The scheme can thus significantly reduce the overall cost of a real estate project when integrated into financing combining a conventional bank loan, personal contribution, and possibly other subsidized loans. <\/p>\n\n<p class=\"wp-block-paragraph\">Since April 1, 2025, the PTZ has been considerably expanded: the acquisition or construction of a new property can now be financed <strong>throughout France<\/strong>, whether an apartment or a detached house. The scheme is currently planned until <strong>December 31, 2027<\/strong>. <\/p>\n\n<h2 class=\"wp-block-heading\">What is the PTZ?<\/h2>\n\n<p class=\"wp-block-paragraph\">The Zero-Rate Loan is a state-subsidized mortgage loan primarily intended for people who are <a href=\"https:\/\/www.experts-du-patrimoine.fr\/preparer-premier-achat-immobilier\/\" data-type=\"link\" data-id=\"https:\/\/www.experts-du-patrimoine.fr\/preparer-premier-achat-immobilier\/\">purchasing their primary residence for the first time<\/a>.<\/p>\n\n<p class=\"wp-block-paragraph\">It has three essential characteristics:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>its interest rate is 0%;<\/li>\n\n\n\n<li>it is granted subject to income conditions;<\/li>\n\n\n\n<li>it can only finance part of the total cost of the transaction.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">The PTZ must therefore be supplemented by one or more other forms of financing, for example:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>a conventional mortgage loan;<\/li>\n\n\n\n<li>an Action Logement loan;<\/li>\n\n\n\n<li>a social homeownership loan;<\/li>\n\n\n\n<li>a personal contribution;<\/li>\n\n\n\n<li>certain supplementary loans offered by banks or local authorities.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Its total duration can reach <strong>25 years<\/strong>, with, depending on the household&#8217;s income, a period during which no repayment of the PTZ is yet required.<\/p>\n\n<section class=\"edp-key-figures\">\n\n\t<h2 class=\"edp-key-figures__title\">\n The PTZ in figures\n\t<\/h2>\n\n\t<p class=\"edp-key-figures__content\">\n The Zero-Rate Loan (PTZ) is one of the main public schemes designed to facilitate homeownership for modest and intermediate-income households. In <strong>2025<\/strong>, nearly <strong>67,000 PTZ loans<\/strong> were expected to be granted in France, compared to approximately <strong>45,000 in 2024<\/strong>, representing an anticipated increase of nearly <strong>49%<\/strong>. The net cost of the scheme for public finances was estimated at approximately <strong>\u20ac1.35 billion<\/strong>. Since <strong>April 1<sup>st<\/sup>, 2025<\/strong>, the PTZ can finance the purchase of a new property <strong>throughout France<\/strong>. Depending on the household&#8217;s income and the type of property, it can represent up to <strong>50% of the transaction cost<\/strong> for a new apartment and up to <strong>30%<\/strong> for a new detached house.    \n\t<\/p>\n\n\t<div class=\"edp-key-figures__sources\">\n\n\t\t<span class=\"edp-key-figures__sources-label\">\n  Sources:\n\t\t<\/span>\n\n\t\t<a class=\"edp-key-figures__source\" href=\"https:\/\/www.legifrance.gouv.fr\/loda\/id\/JORFTEXT000051393341\" target=\"_blank\" rel=\"noopener noreferrer\">\n L\u00e9gifrance \u2013 Decree on the PTZ\n\t\t<\/a>\n\n\t\t<a class=\"edp-key-figures__source\" href=\"https:\/\/www.economie.gouv.fr\/particuliers\/emprunter-et-sassurer\/pret-taux-zero-ptz-tout-ce-quil-faut-savoir\" target=\"_blank\" rel=\"noopener noreferrer\">\n Ministry of Economy \u2013 PTZ\n\t\t<\/a>\n\n\t\t<a class=\"edp-key-figures__source\" href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F34966\" target=\"_blank\" rel=\"noopener noreferrer\">\n Public Service \u2013 Zero-rate loan\n\t\t<\/a>\n\n\t<\/div>\n\n<\/section>\n\n<h2 class=\"wp-block-heading\">Who can benefit from the PTZ?<\/h2>\n\n<p class=\"wp-block-paragraph\">The PTZ is primarily intended for <strong>first-time buyers<\/strong>, meaning people who do not own their primary residence.<\/p>\n\n<h3 class=\"wp-block-heading\">The first-time buyer condition<\/h3>\n\n<p class=\"wp-block-paragraph\">In principle, the borrower must not have owned their primary residence during the <strong>two years preceding the loan offer<\/strong>.<\/p>\n\n<p class=\"wp-block-paragraph\">This condition has certain exceptions, particularly when the borrower or one of the persons intended to occupy the property is disabled or when the former primary residence has become permanently uninhabitable following a disaster.<\/p>\n\n<h3 class=\"wp-block-heading\">Income conditions<\/h3>\n\n<p class=\"wp-block-paragraph\">The PTZ is reserved for households whose income does not exceed certain thresholds.<\/p>\n\n<p class=\"wp-block-paragraph\">These thresholds depend on:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>the number of people intended to occupy the property;<\/li>\n\n\n\n<li>the geographical area of the property.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">The income taken into account corresponds in particular to the <strong>tax reference income for year N-2<\/strong> of the persons who will occupy the property.<\/p>\n\n<h2 class=\"wp-block-heading\">What are the PTZ income thresholds?<\/h2>\n\n<p class=\"wp-block-paragraph\">The currently applicable thresholds vary according to four main geographical zones: A, B1, B2, and C.<\/p>\n\n<p class=\"wp-block-paragraph\">For example, for a single person, the annual income threshold is:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>\u20ac49,000 in zone A<\/strong>;<\/li>\n\n\n\n<li><strong>\u20ac34,500 in zone B1<\/strong>;<\/li>\n\n\n\n<li><strong>\u20ac31,500 in zone B2<\/strong>;<\/li>\n\n\n\n<li><strong>\u20ac28,500 in zone C<\/strong>.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">For a household of four people, these thresholds reach respectively:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>\u20ac102,900 in zone A<\/strong>;<\/li>\n\n\n\n<li><strong>\u20ac72,450 in zone B1<\/strong>;<\/li>\n\n\n\n<li><strong>\u20ac66,150 in zone B2<\/strong>;<\/li>\n\n\n\n<li><strong>\u20ac59,850 in zone C<\/strong>.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">It is therefore necessary to know both the household composition and the zone of the future property to determine eligibility for the scheme.<\/p>\n\n<h2 class=\"wp-block-heading\">What properties can be financed with a PTZ?<\/h2>\n\n<p class=\"wp-block-paragraph\">The scope of the PTZ depends on the nature of the property.<\/p>\n\n<h3 class=\"wp-block-heading\">Purchasing a new property<\/h3>\n\n<p class=\"wp-block-paragraph\">Since <strong>April 1, 2025<\/strong>, the PTZ can finance the acquisition or construction of a new property throughout France.<\/p>\n\n<p class=\"wp-block-paragraph\">It now concerns both:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>new apartments;<\/li>\n\n\n\n<li>and new detached houses.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">This extension represents a major evolution of the scheme, which was previously more geographically limited for new properties.<\/p>\n\n<h3 class=\"wp-block-heading\">Purchasing a property off-plan<\/h3>\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/www.experts-du-patrimoine.fr\/definitions\/vefa\/\" data-type=\"lexique\" data-id=\"16643\">VEFA, or Sale in Future State of Completion<\/a><\/strong>, can be financed with a PTZ provided that the buyer and the transaction meet the various conditions of the scheme.<\/p>\n\n<p class=\"wp-block-paragraph\">The PTZ is therefore frequently integrated into the financial structure of a first new property purchase.<\/p>\n\n<h3 class=\"wp-block-heading\">Purchasing an existing property<\/h3>\n\n<p class=\"wp-block-paragraph\">The PTZ can also finance the acquisition of an existing property, but under more restrictive conditions.<\/p>\n\n<p class=\"wp-block-paragraph\">The property must in particular be located in <strong>zone B2 or C<\/strong> and require work meeting the criteria provided by regulations, particularly regarding cost and energy performance.<\/p>\n\n<h3 class=\"wp-block-heading\">Purchasing your social housing<\/h3>\n\n<p class=\"wp-block-paragraph\">A tenant can also, under certain conditions, benefit from a PTZ to purchase the social housing they occupy.<\/p>\n\n<h3 class=\"wp-block-heading\">Purchasing through a solidarity real lease<\/h3>\n\n<p class=\"wp-block-paragraph\">The PTZ can also support certain acquisitions made under a <strong>Solidarity Real Lease (BRS)<\/strong>.<\/p>\n\n<h2 class=\"wp-block-heading\">What is the amount of the PTZ?<\/h2>\n\n<p class=\"wp-block-paragraph\">There is no single PTZ amount.<\/p>\n\n<p class=\"wp-block-paragraph\">The amount that can be borrowed depends primarily on:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>the price of the property;<\/li>\n\n\n\n<li>the number of people in the household;<\/li>\n\n\n\n<li>the location of the property;<\/li>\n\n\n\n<li>the nature of the property;<\/li>\n\n\n\n<li>the household&#8217;s income.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">The calculation is based on a <strong>transaction cost retained within a certain limit<\/strong>, to which a quota is then applied.<\/p>\n\n<h2 class=\"wp-block-heading\">What portion of the project can be financed by the PTZ?<\/h2>\n\n<p class=\"wp-block-paragraph\">For certain transactions, the PTZ can represent a significant portion of the financing.<\/p>\n\n<p class=\"wp-block-paragraph\">The general quotas can reach:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>50%<\/strong> for the first income bracket;<\/li>\n\n\n\n<li><strong>40%<\/strong> for the second and third brackets;<\/li>\n\n\n\n<li><strong>20%<\/strong> for the fourth bracket.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Specific rules exist particularly for new detached houses.<\/p>\n\n<p class=\"wp-block-paragraph\">The amount actually obtained must therefore be subject to a personalized simulation.<\/p>\n\n<h2 class=\"wp-block-heading\">Example of financing with a PTZ<\/h2>\n\n<p class=\"wp-block-paragraph\">Consider the example of a first-time buyer wishing to purchase a new apartment off-plan.<\/p>\n\n<p class=\"wp-block-paragraph\">The financing could be structured as follows:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>property price: \u20ac220,000;<\/li>\n\n\n\n<li>personal contribution: \u20ac20,000;<\/li>\n\n\n\n<li>PTZ: \u20ac60,000;<\/li>\n\n\n\n<li>Action Logement loan: \u20ac20,000;<\/li>\n\n\n\n<li>conventional mortgage loan: \u20ac120,000.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">In this example, a significant portion of the project is financed interest-free thanks to the PTZ.<\/p>\n\n<p class=\"wp-block-paragraph\">The economic benefit is therefore not limited to the PTZ amount: it also reduces the portion financed with a conventional bank loan bearing interest.<\/p>\n\n<h2 class=\"wp-block-heading\">How is the PTZ repaid?<\/h2>\n\n<p class=\"wp-block-paragraph\">The repayment of the PTZ depends on the household&#8217;s income bracket.<\/p>\n\n<h3 class=\"wp-block-heading\">The repayment deferral<\/h3>\n\n<p class=\"wp-block-paragraph\">One of the main features of the PTZ is the possibility of benefiting from a <strong>repayment deferral<\/strong>.<\/p>\n\n<p class=\"wp-block-paragraph\">During this period, the borrower generally repays their main mortgage loan but not yet the PTZ capital.<\/p>\n\n<p class=\"wp-block-paragraph\">This limits monthly payments during the first years of financing.<\/p>\n\n<h3 class=\"wp-block-heading\">The repayment period<\/h3>\n\n<p class=\"wp-block-paragraph\">After the possible deferral, the PTZ capital is repaid progressively.<\/p>\n\n<p class=\"wp-block-paragraph\">The total loan duration can be up to <strong>25 years<\/strong>.<\/p>\n\n<h2 class=\"wp-block-heading\">What are the advantages of the PTZ?<\/h2>\n\n<p class=\"wp-block-paragraph\">The PTZ can considerably improve real estate financing when a household is eligible.<\/p>\n\n<h3 class=\"wp-block-heading\">No interest to pay<\/h3>\n\n<p class=\"wp-block-paragraph\">The first advantage is obvious: the capital borrowed under the PTZ is financed at <strong>0%<\/strong>.<\/p>\n\n<p class=\"wp-block-paragraph\">For several tens of thousands of euros borrowed, the interest savings can be substantial.<\/p>\n\n<h3 class=\"wp-block-heading\">Reducing the overall cost of credit<\/h3>\n\n<p class=\"wp-block-paragraph\">Every euro obtained at 0% is one euro that potentially does not need to be borrowed at the conventional mortgage loan rate.<\/p>\n\n<h3 class=\"wp-block-heading\">Facilitating homeownership<\/h3>\n\n<p class=\"wp-block-paragraph\">The PTZ can increase the financing capacity of certain households and enable the realization of a project that would be more difficult to access with a traditional bank loan alone.<\/p>\n\n<h3 class=\"wp-block-heading\">Benefiting from deferred repayment<\/h3>\n\n<p class=\"wp-block-paragraph\">The deferral can reduce monthly payments during the first years.<\/p>\n\n<p class=\"wp-block-paragraph\">However, this advantage must be properly integrated into the calculation of future installments.<\/p>\n\n<h2 class=\"wp-block-heading\">What are the limitations of the PTZ?<\/h2>\n\n<p class=\"wp-block-paragraph\">The PTZ is not free financing in the sense that the capital obviously remains to be repaid.<\/p>\n\n<h3 class=\"wp-block-heading\">It does not finance the entire property<\/h3>\n\n<p class=\"wp-block-paragraph\">Another mortgage loan is necessary.<\/p>\n\n<h3 class=\"wp-block-heading\">Income conditions apply<\/h3>\n\n<p class=\"wp-block-paragraph\">Not all households can benefit from the scheme.<\/p>\n\n<h3 class=\"wp-block-heading\">Different rules depending on properties<\/h3>\n\n<p class=\"wp-block-paragraph\">The conditions are not identical for:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>new properties;<\/li>\n\n\n\n<li>existing properties;<\/li>\n\n\n\n<li>a house;<\/li>\n\n\n\n<li>an apartment;<\/li>\n\n\n\n<li>certain social homeownership transactions.<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\">The bank remains the decision-maker<\/h3>\n\n<p class=\"wp-block-paragraph\">Being eligible for the PTZ does not automatically mean obtaining real estate financing.<\/p>\n\n<p class=\"wp-block-paragraph\">The lending institution also analyzes:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>income;<\/li>\n\n\n\n<li>expenses;<\/li>\n\n\n\n<li>debt;<\/li>\n\n\n\n<li>contribution;<\/li>\n\n\n\n<li>professional stability;<\/li>\n\n\n\n<li>residual income;<\/li>\n\n\n\n<li>overall repayment capacity.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">PTZ and VEFA: a particularly common combination<\/h2>\n\n<p class=\"wp-block-paragraph\">The PTZ is often used to finance a <strong>first property purchase off-plan<\/strong>.<\/p>\n\n<p class=\"wp-block-paragraph\">The structure can combine several low-cost forms of financing:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>PTZ;<\/li>\n\n\n\n<li>Action Logement loan;<\/li>\n\n\n\n<li>subsidized loan offered by a bank;<\/li>\n\n\n\n<li>personal contribution;<\/li>\n\n\n\n<li>conventional mortgage loan.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">This combination can significantly reduce the average financing rate.<\/p>\n\n<p class=\"wp-block-paragraph\">However, it is important to look beyond the credit cost alone.<\/p>\n\n<p class=\"wp-block-paragraph\">A new property sold at a very high price compared to the local market does not necessarily become a good investment simply because part of the financing is obtained at 0%.<\/p>\n\n<h2 class=\"wp-block-heading\">PTZ or personal contribution: should both be used?<\/h2>\n\n<p class=\"wp-block-paragraph\">The PTZ and personal contribution do not serve exactly the same purpose.<\/p>\n\n<p class=\"wp-block-paragraph\">The contribution can finance:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>certain costs related to the acquisition;<\/li>\n\n\n\n<li>part of the property price;<\/li>\n\n\n\n<li>guarantee fees;<\/li>\n\n\n\n<li>certain work or equipment.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">The PTZ supplements bank financing.<\/p>\n\n<p class=\"wp-block-paragraph\">In some cases, retaining part of one&#8217;s savings rather than significantly increasing one&#8217;s contribution may be appropriate. In others, a larger contribution reduces the cost of credit. <\/p>\n\n<p class=\"wp-block-paragraph\">There is therefore no universal rule.<\/p>\n\n<h2 class=\"wp-block-heading\">Can the PTZ be combined with other assistance?<\/h2>\n\n<p class=\"wp-block-paragraph\">Yes. Depending on the borrower&#8217;s situation, the PTZ can be combined with various schemes. <\/p>\n\n<p class=\"wp-block-paragraph\">It can in particular be combined with:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>a conventional mortgage loan;<\/li>\n\n\n\n<li>certain Action Logement loans;<\/li>\n\n\n\n<li>social homeownership schemes;<\/li>\n\n\n\n<li>certain local assistance programs.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Since April 1, 2025, the PTZ can also be combined with <strong>MaPrimeR\u00e9nov&#8217;<\/strong> for certain comprehensive renovation projects.<\/p>\n\n<h2 class=\"wp-block-heading\">PTZ and primary residence: what obligations?<\/h2>\n\n<p class=\"wp-block-paragraph\">The PTZ is intended to finance the primary residence.<\/p>\n\n<p class=\"wp-block-paragraph\">The property must therefore, except for exceptions provided by regulations, be actually occupied as a primary residence.<\/p>\n\n<p class=\"wp-block-paragraph\">It is not designed as financing intended to directly make a rental investment.<\/p>\n\n<p class=\"wp-block-paragraph\">The subsequent rental of a property financed with a PTZ is subject to various rules that should be verified before any change in the use of the property.<\/p>\n\n<h2 class=\"wp-block-heading\">What points should be verified before financing a purchase with a PTZ?<\/h2>\n\n<p class=\"wp-block-paragraph\">Before signing a real estate project, it is important not to look only at the 0% loan amount.<\/p>\n\n<p class=\"wp-block-paragraph\">The following must be analyzed:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>the property price compared to the market;<\/li>\n\n\n\n<li>the total financing amount;<\/li>\n\n\n\n<li>the main loan rate;<\/li>\n\n\n\n<li>the cost of borrower insurance;<\/li>\n\n\n\n<li>the financing duration;<\/li>\n\n\n\n<li>monthly payments before and after the deferral;<\/li>\n\n\n\n<li>the contribution remaining available after acquisition;<\/li>\n\n\n\n<li>condominium charges;<\/li>\n\n\n\n<li>property tax;<\/li>\n\n\n\n<li>any interim interest in the context of a VEFA.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">The objective is to determine the <strong>actual cost of the transaction<\/strong>, not just to maximize the PTZ amount.<\/p>\n\n<h2 class=\"wp-block-heading\">Get expert assistance to finance your real estate project<\/h2>\n\n<p class=\"wp-block-paragraph\">The PTZ can represent several tens of thousands of euros financed interest-free and significantly alter the balance of a real estate project. However, <strong>obtaining the maximum PTZ is not sufficient to make an acquisition attractive<\/strong>: the property price, supplementary credit, contribution, financing duration, monthly payments after the deferral, and residual income must be analyzed together. <\/p>\n\n<p class=\"wp-block-paragraph\">The professionals listed in <strong><a href=\"https:\/\/www.experts-du-patrimoine.fr\/societes\/\">the Experts du Patrimoine directory<\/a><\/strong> can help you assess your borrowing capacity, compare different financing solutions, and structure a package combining PTZ, mortgage loan, personal contribution, and any supplementary loans. Before committing to purchasing your primary residence, find an advisor or financing professional suited to your project on Experts du Patrimoine. <\/p>\n\n<section class=\"edp-faq\" aria-labelledby=\"faq-ptz-title\">\n\n\t<h2 id=\"faq-ptz-title\">FAQ on the Zero-Rate Loan (PTZ)<\/h2>\n\n\t<div class=\"edp-faq__item\">\n\t\t<h3>What is the Zero-Rate Loan (PTZ)?<\/h3>\n\t\t<p>\n The Zero-Rate Loan (PTZ) is a state-subsidized mortgage loan designed to facilitate homeownership. It finances part of the purchase or construction of a primary residence without paying interest on the borrowed amount. It must be supplemented by one or more other forms of financing.  \n\t\t<\/p>\n\t<\/div>\n\n\t<div class=\"edp-faq__item\">\n\t\t<h3>Who can benefit from the PTZ?<\/h3>\n\t\t<p>\n The PTZ is granted subject to conditions, particularly income conditions. In principle, the borrower must not have owned their primary residence during the two years preceding the loan offer, except for exceptions provided by regulations. The financed property must also meet the scheme&#8217;s eligibility conditions.  \n\t\t<\/p>\n\t<\/div>\n\n\t<div class=\"edp-faq__item\">\n\t\t<h3>What amount can be borrowed with a PTZ?<\/h3>\n\t\t<p>\n The PTZ amount depends in particular on the transaction cost retained within a threshold limit, the number of people intended to occupy the property, the property&#8217;s location, and the nature of the transaction. The PTZ finances only part of the real estate project and must be combined with another loan or several other forms of financing. \n\t\t<\/p>\n\t<\/div>\n\n\t<div class=\"edp-faq__item\">\n\t\t<h3>Can the PTZ be used to purchase a new property off-plan?<\/h3>\n\t\t<p>\n Yes. Subject to meeting the scheme&#8217;s conditions, the PTZ can be used to finance the acquisition of a new property, particularly in the context of a Sale in Future State of Completion (VEFA). It can thus supplement a conventional mortgage loan and possibly other subsidized loans.  \n\t\t<\/p>\n\t<\/div>\n\n\t<div class=\"edp-faq__item\">\n\t\t<h3>Can an existing property be purchased with a PTZ?<\/h3>\n\t\t<p>\n Yes, in certain situations. The PTZ can in particular finance the acquisition of an existing property when the transaction meets the conditions provided by regulations, particularly concerning the property&#8217;s location and the completion of work. The eligibility criteria therefore differ from those applicable to new real estate.  \n\t\t<\/p>\n\t<\/div>\n\n\t<div class=\"edp-faq__item\">\n\t\t<h3>How is a Zero-Rate Loan repaid?<\/h3>\n\t\t<p>\n The repayment terms of the PTZ depend in particular on the borrower&#8217;s income. Depending on the applicable bracket, repayment may include a deferral period during which no PTZ capital is repaid, followed by a repayment period. This mechanism particularly reduces monthly payments at the beginning of real estate financing.  \n\t\t<\/p>\n\t<\/div>\n\n\t<div class=\"edp-faq__item\">\n\t\t<h3>Does the PTZ finance the entire real estate purchase?<\/h3>\n\t\t<p>\n No. The PTZ is a supplementary loan and cannot finance the entire acquisition on its own. It is generally combined with a conventional mortgage loan and may, depending on the borrower&#8217;s situation, be supplemented by a personal contribution or other subsidized loans.  \n\t\t<\/p>\n\t<\/div>\n\n<\/section>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Qu'est-ce que le Pr\u00eat \u00e0 Taux Z\u00e9ro (PTZ) ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Le Pr\u00eat \u00e0 Taux Z\u00e9ro (PTZ) est un pr\u00eat immobilier aid\u00e9 par l'\u00c9tat destin\u00e9 \u00e0 faciliter l'accession \u00e0 la propri\u00e9t\u00e9. Il permet de financer une partie de l'achat ou de la construction de sa r\u00e9sidence principale sans payer d'int\u00e9r\u00eats sur la somme emprunt\u00e9e. Il vient obligatoirement compl\u00e9ter un ou plusieurs autres financements.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Qui peut b\u00e9n\u00e9ficier du PTZ ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Le PTZ est accord\u00e9 sous conditions, notamment de ressources. En principe, l'emprunteur ne doit pas avoir \u00e9t\u00e9 propri\u00e9taire de sa r\u00e9sidence principale au cours des deux ann\u00e9es pr\u00e9c\u00e9dant l'offre de pr\u00eat, sauf exceptions pr\u00e9vues par la r\u00e9glementation. Le logement financ\u00e9 doit \u00e9galement respecter les conditions d'\u00e9ligibilit\u00e9 du dispositif.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quel montant peut-on emprunter avec un PTZ ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Le montant du PTZ d\u00e9pend notamment du co\u00fbt de l'op\u00e9ration retenu dans la limite d'un plafond, du nombre de personnes destin\u00e9es \u00e0 occuper le logement, de la localisation du bien et de la nature de l'op\u00e9ration. Le PTZ ne finance qu'une partie du projet immobilier et doit \u00eatre associ\u00e9 \u00e0 un autre pr\u00eat ou \u00e0 plusieurs autres financements.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Peut-on utiliser le PTZ pour acheter un logement neuf en VEFA ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Oui. Sous r\u00e9serve de respecter les conditions du dispositif, le PTZ peut \u00eatre utilis\u00e9 pour financer l'acquisition d'un logement neuf, notamment dans le cadre d'une Vente en l'\u00c9tat Futur d'Ach\u00e8vement (VEFA). Il peut ainsi compl\u00e9ter un pr\u00eat immobilier classique et \u00e9ventuellement d'autres pr\u00eats aid\u00e9s.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Peut-on acheter un logement ancien avec un PTZ ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Oui, dans certaines situations. Le PTZ peut notamment financer l'acquisition d'un logement ancien lorsque l'op\u00e9ration respecte les conditions pr\u00e9vues par la r\u00e9glementation, en particulier concernant la localisation du bien et la r\u00e9alisation de travaux. Les crit\u00e8res d'\u00e9ligibilit\u00e9 diff\u00e8rent donc de ceux applicables \u00e0 l'immobilier neuf.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Comment rembourse-t-on un Pr\u00eat \u00e0 Taux Z\u00e9ro ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Les modalit\u00e9s de remboursement du PTZ d\u00e9pendent notamment des revenus de l'emprunteur. Selon la tranche applicable, le remboursement peut comporter une p\u00e9riode de diff\u00e9r\u00e9 pendant laquelle aucun capital du PTZ n'est rembours\u00e9, suivie d'une p\u00e9riode de remboursement. Cette m\u00e9canique permet notamment d'all\u00e9ger les mensualit\u00e9s au d\u00e9but du financement immobilier.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Le PTZ permet-il de financer la totalit\u00e9 d'un achat immobilier ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Non. Le PTZ est un pr\u00eat compl\u00e9mentaire et ne peut pas financer \u00e0 lui seul l'int\u00e9gralit\u00e9 de l'acquisition. Il est g\u00e9n\u00e9ralement associ\u00e9 \u00e0 un pr\u00eat immobilier classique et peut, selon la situation de l'emprunteur, \u00eatre compl\u00e9t\u00e9 par un apport personnel ou d'autres pr\u00eats aid\u00e9s.\"\n      }\n    }\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>The PTZ (Zero-Rate Loan) is an interest-free mortgage loan designed to facilitate homeownership for eligible households. Granted subject to income conditions and in addition to other financing, it can finance part of the purchase or construction of a primary residence. This page explains how the PTZ works, its eligibility conditions, the properties concerned, its amount, its repayment period, and its integration into a real estate financing plan.  <\/p>\n","protected":false},"featured_media":17135,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categorie_lexique":[1401],"class_list":["post-17134","lexique","type-lexique","status-publish","format-standard","has-post-thumbnail","hentry","categorie_lexique-real-estate"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>PTZ: definition, conditions, and how the Zero-Rate Loan works<\/title>\n<meta name=\"description\" content=\"Discover the PTZ in 2026: income conditions, eligible properties, amount, repayment, and zero-rate loan rules for purchasing your primary residence.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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