The zero-interest home loan (PTZ) is a valuable aid for first-time buyers wishing to become owners of their main residence. In 2025, the scheme undergoes a major extension, making home ownership more accessible across the entire French territory. This article guides you through the new features of the 2025 PTZ, its eligibility conditions, the amounts granted, and the steps to follow to benefit from it.
What is the Zero-Interest Home Loan?
The zero-interest home loan (PTZ) is a scheme set up by the State to facilitate home ownership for households with modest and intermediate incomes. It helps finance part of the purchase or construction of a main residence without paying interest or application fees.
Definition and Objectives of the PTZ
The PTZ is an interest-free loan granted under income conditions to people wishing to acquire their first main residence. Its aim is to encourage home ownership by reducing the total cost of the real estate transaction.
General Operation of the PTZ
The PTZ can only finance part of the real estate transaction and must be supplemented by one or more other loans (traditional mortgage, social accession loan, etc.). The repayment term and deferment period vary depending on the borrower's income.
New Features of the PTZ in 2025
Since April 1, 2025, the PTZ has been extended to include new types of housing and geographical areas, making the scheme more accessible.
Geographical Extension of the PTZ
The restrictive zoning has been temporarily lifted between April 2025 and December 2027. The PTZ is now available everywhere in France for the purchase of new homes, whether in collective or individual housing.
Inclusion of New Individual Houses
New individual houses are now eligible for the PTZ, with financing of up to 30% of the total cost of the transaction.
Eligibility Conditions for the PTZ in 2025
To benefit from the PTZ in 2025, several conditions must be met, particularly concerning the borrower's status and income.
First-Time Buyer Status and Exceptions
The PTZ is intended for first-time buyers, meaning people who have not owned their main residence in the past two years. Exceptions exist for people with disabilities or those who have lost their home following a natural disaster.
Income Ceilings and Household Composition
Income ceilings vary depending on the geographical area and the composition of the household. Since April 2025, these ceilings have been significantly increased. For example, for a single person in zone A (high-demand area), the income ceiling is €49,000, while in zone B1, it is €34,500, and in zone C, €28,500.
The calculation is based on the reference tax income indicated on the tax notice from year N-2, and it is essential to check the geographical zone of the property to determine your bracket.
Amounts and Repayment Terms of the PTZ
The amount of the PTZ and its repayment terms depend on several factors, including the borrower's income and the location of the property.
Calculation of the PTZ Amount
The PTZ amount is calculated by applying a percentage to the total cost of the real estate transaction, up to a ceiling. For example, for a new individual house, the ceiling is €100,000.
Repayment Terms and Deferment
The repayment term of the PTZ ranges between 20 and 25 years, with a deferment period of up to 15 years depending on the borrower's income.
Steps to Obtain a PTZ in 2025
Obtaining a PTZ requires following several steps, from preparing the application to signing the loan.
Preparing Your Loan Application
It is essential to gather the necessary supporting documents, such as the tax notice, proof of address, and the financing plan. A simulator can help estimate the PTZ amount.
Choosing a Partner Bank and Finalizing the Loan
The PTZ is granted by credit institutions that have signed an agreement with the State. The application must be submitted directly to the bank of your choice.
Conclusion
The zero-interest home loan in 2025 offers expanded opportunities for first-time buyers wishing to become homeowners of their main residence.
Key Takeaways:
The PTZ is now available throughout France, without geographical restrictions.
New individual houses have been eligible for the PTZ since April 1, 2025.
Income ceilings have been increased, expanding access to the scheme for more households.
The PTZ amount can cover up to 50% of the transaction cost, depending on the case.
The repayment terms are adapted to income, with deferments possible for up to 15 years.
To benefit from these advantages and bring your real estate project to life, don’t hesitate to contact an Optimhome advisor. Thanks to their local expertise and in-depth market knowledge, they will support you through every step of your purchase.
FAQ
Is the PTZ compatible with other aids or loans?
Yes, the PTZ can be combined with other schemes such as the social accession loan (PAS), Action Logement loan, or even local authority aids. This helps complete the overall financing of your real estate project.
Can I sell my property before the end of the PTZ?
It is possible to sell your property before the end of the PTZ, but you will generally need to repay the remaining capital in advance. In some cases (e.g., divorce, job relocation, unemployment), special arrangements are possible.
What happens if my income exceeds the ceiling after obtaining the PTZ?
The income ceiling is assessed only at the time of the loan application. If your income increases later, it has no impact on the PTZ repayment terms.
Can I rent out my home purchased with a PTZ?
In principle, the property financed by a PTZ must remain the main residence for at least 6 years. Renting out this property before this period is only allowed in certain exceptional cases (separation, relocation, unemployment, disability, etc.).
Do I have to go through a bank to obtain a PTZ?
Yes, the PTZ is exclusively distributed by banking institutions that have signed an agreement with the State. It is not possible to obtain it directly from a public body.
Author:
Virginie Cottet-Moine – Head of New Builds and Life Annuity Division
As a specialist in new-build property and life annuities, I offer clear and practical information to help you better understand these specific sectors. My goal is to guide you in your decisions by providing reliable advice tailored to your project.
