Free PTZ Simulator 2026: Zero-Rate Loan
Check your eligibility for the PTZ and calculate your savings
What is the PTZ?
The PTZ (Pret a Taux Zero) is an interest-free mortgage granted under income conditions for purchasing your primary residence. It has been extended and expanded for 2024-2027.
0% interest
No interest to pay: you only repay the principal borrowed.
Deferred repayment
Up to 15 years of deferral depending on your income and geographic zone.
Up to 40% of the price
The PTZ can finance up to 40% of the purchase price in high-demand areas.
Eligibility conditions
To qualify for the PTZ, you must meet several conditions.
Be a first-time buyer (not owned property in the last 2 years)
Not exceed income ceilings based on zone
Buy a new property (or existing with renovations in zone B2/C)
The property must be your primary residence
PTZ schedule by zone
The PTZ amount depends on the geographic zone of the property.
| Zone | Share | Price ceiling | Income ceiling (1 pers.) |
|---|---|---|---|
| A bis | 50% | 150 000 €/part | 49 000 € |
| A | 50% | 135 000 €/part | 49 000 € |
| B1 | 40% | 110 000 €/part | 34 500 € |
| B2 | 20% | 95 000 €/part | 31 500 € |
| C | 20% | 80 000 €/part | 28 500 € |
Frequently asked questions
Who can get the PTZ?▼
Can the PTZ be combined with other loans?▼
What is the deferred repayment period?▼
Is the PTZ available for existing properties?▼
Prepare your property purchase
Simulate your PTZ and track your purchase project with Patrimoine360.
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