1. Reminder: what is the PTZ?
- A government-backed interest-free home loan.
- Reserved for first-time buyers who buy their main residence.
- Never funds 100% of the project → comes in addition of a conventional loan.
2. Which homes are eligible?
- Single-family homes and flats, new-build or refurbished properties.
- Nine All over France (zones A to C).
- Former only if the work represents at least 25% of the total cost, and located in zone B2 or C.
This means you can buy both a new house and a flat in need of renovation.
3. What does it entitle you to?
- Up to 40 to 50 % of the total project cost without interest to pay.
- Deferred repayment up to 15 years depending on income.
- Increase your purchasing power (less interest = more budget).
4. What's new in 2024-2025
- Higher income ceilings more eligible households.
- Amounts increased up to €100,000 PTZ in certain cases.
- Return of the PTZ in existing properties with works Opportunity in a relaxed area.
- Focus on the environment: bonus for homes renovated for energy efficiency
5. Conditions to be met
- Be first-time buyers (not owner for 2 years).
- Buy a main residence (occupancy during the year).
- Respect the resource ceilings depending on the area and number of people.
6. Why use a broker?
- The rules change often → a professional guides you without unpleasant surprises.
- He optimises your financial package (PTZ + main loan + local grants).
- Time saving and better conditions negotiated.
💡 7. Concrete example
A couple with 2 children at B1 zone can benefit from up to 81 000 € interest-free PTZ with repayment deferred to 10 years.