Free simulator
Are you eligible for the zero-rate loan (PTZ)?
The PTZ finances part of your purchase interest-free, for first-time buyers. Enter your situation to estimate your eligibility and the amount.
The PTZ finances part of your purchase interest-free, for first-time buyers. Enter your situation to estimate your eligibility and the amount.
Frequently asked questions about the PTZ
What is the zero-rate loan (PTZ)?
The PTZ is a state-backed interest-free loan that finances part of the purchase of a first-time buyer's main residence, subject to income and geographic zone conditions.
Who can benefit from the PTZ?
First-time buyers (not having owned their main residence in the last 2 years), subject to income caps that depend on the zone and household size.
How much can I get with the PTZ?
The PTZ can finance up to 40% of the property price depending on the zone, within a maximum price. Our simulator estimates the amount based on your situation.
Does the PTZ work for existing properties?
The PTZ for existing properties is possible under conditions (renovation works representing a share of the cost). For new builds it is more widely accessible.
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