Zero-Rate Loan Calculator (PTZ)

The Zero-Rate Loan (PTZ) is an interest-free mortgage granted by the French State to first-time buyers for the purchase of their main residence. This scheme significantly reduces the total cost of your mortgage by complementing a standard main loan.

To be eligible for PTZ, you must be a first-time buyer (not having owned your main residence for 2 years), have income below the limits set according to your zone and household size. The new 2026 system uses 4 income brackets based on the family quotient for more accuracy.

Since 2026, PTZ distinguishes 5 property types: new apartments (collective), new detached houses (reduced quota since April 2025), old properties with works (zones B2/C only), social housing sales (HLM), and the new BRS (Bail Réel Solidaire) scheme.

The PTZ amount depends on your geographical zone, household size, and property type. It can represent up to 50% of the operation cost in zones A bis, A, and B1 for new properties (40% in zones B2 and C), within the applicable price limits.

The new 2026 system uses the family quotient (N-2 income divided by the number of fiscal shares). 4 brackets are defined: very low income (bracket 1), low income (bracket 2), middle income (bracket 3) and higher income (bracket 4, up to -13% of the ceiling). Each bracket has specific PTZ quotas.

No, PTZ is a complementary loan that must be combined with a standard mortgage (main loan). It cannot finance your entire project, but it significantly reduces the amount of interest you will pay.

The French territory is divided into 5 zones (A bis, A, B1, B2, C) according to housing market tension. You can check your zone by consulting the official simulator on service-public.fr or by searching for your municipality in the official Ministry of Housing list.

Yes, but only in zones B2 and C, and on condition of carrying out renovation works representing at least 25% of the total operation cost. These works must enable the property to achieve minimum energy performance (DPE A, B, C, D, or E). The DPE is mandatory since 2026.

The PTZ duration generally varies between 20 and 25 years depending on your income and household composition. A deferral period (period during which you repay nothing) of 5 to 15 years is possible depending on your financial situation.

The income considered is from year N-2. For a purchase in 2026, it's the tax reference income shown on your 2025 tax notice (2024 income) that will be considered to calculate your family quotient.

The French High Council for Financial Stability (HCSF) sets a maximum debt ratio of 35% of your net income. Our calculator automatically checks this criterion by including your existing debts and new monthly payments (PTZ + main loan) to ensure you meet bank lending requirements.