Estimate your 2026 PTZ amount with the new 4-bracket system and check your eligibility based on 12 official criteria
The Zero-Rate Loan (PTZ) is financial assistance granted by the French State to first-time buyers to facilitate the purchase of their first main residence. Renewed and strengthened in 2026 with a new 4-bracket income system, this scheme allows you to borrow without paying interest, significantly reducing the total cost of your real estate project.
PTZ is intended for people who have not owned their main residence for the past two years. Household income must not exceed certain limits, which vary according to geographical zone and household size.
The PTZ amount depends on three main criteria: the operation cost (capped according to your zone and household size), the applicable quota (40% or 50% depending on zone and property type), and your personal situation (income, first-time buyer status). Our calculator provides you with an accurate, instant estimate.
The French territory is divided into 5 zones (A bis, A, B1, B2, C) according to housing market tension. The most tense zones benefit from more favorable limits and quotas. New properties are eligible in all zones, while old properties with renovation works are only eligible in zones B2 and C.
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Net seller price
About 7-8% for old, 2-3% for new
If applicable
Municipality name
1 or 2
Minor or attached children
2024 income from your 2025 tax notice
For a 2026 purchase, enter 2024 income (2025 tax notice)
Recommended: at least 5% of price
Auto-calculated from tax income (TRI / 0.9 / 12)
Monthly payments of current loans
Usually same as main loan insurance (default 0.3%)
The loan duration and monthly payments may need adjustment to enable smoothing. The maximum debt ratio may also prevent full smoothing.
Calculated automatically or enter
In years
Annual rate of bank loan
Annual insurance rate (default 0.3%)
This section will be enabled soon with all rates, income thresholds and terms for subsidized loans (Action Logement, PAS, employer loans, local authority aid).
Up to €40,000
1% housing
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Estimated total project cost: 0 €