Can the PTZ finance the whole purchase?

No. It is a complementary loan: its quotity is capped (at best 50% of the capped operation cost) and its amount cannot exceed that of the main loan of at least two years. It combines with a standard mortgage and, where applicable, an Action Logement or home-savings loan.

Does the PTZ count in the debt ratio?

Yes, its future payments count, but thanks to the deferral and the smoothing of the main loan, the impact on the effort rate is spread out. Properly structured, a file with a PTZ shows a constant overall payment and often tens of thousands of euros of extra borrowing capacity.

Does this calculator replace a professional review?

No: final eligibility depends on supporting documents (tax notices, household composition, exact nature of the operation) and the optimal structure (smoothing, loan ordering) is the broker’s craft. Brokers equipped with CourtImmo produce that full structure in minutes, with the versioned official scale as evidence.

Indicative estimate

Zero-rate loan (PTZ) calculator

Check your eligibility for the French zero-rate loan and estimate its amount: property zone, household size, reference tax income, housing type. Since April 2025, the PTZ is again open to new single-family houses and to all zones for new builds. The calculator applies the current scale: ceilings, tranche quotities and repayment deferral.

Referential : PTZ scale in force since April 2025 (2026 values)

Your situation

Property zone

A bis and A: major metros; B1: large agglomerations; B2 and C: rest of the country.

Operation type

Total operation cost (€)

€

People in household

Reference tax income N-2 (€)

€

Tax notice from two years ago, all occupants combined.

Not a homeowner for 2 years (first-time buyer)

PTZ amount

€75,600

Tranche 3

Full deferral

5 years

Then repayment over

15 years

≈ €420/month

Who is eligible for the PTZ?

The PTZ finances the primary residence of households that have not owned their home during the last two years (first-time buyers, with exceptions for disability and disaster). The reference tax income of year N-2, divided by a family coefficient, must remain under the ceiling of the property’s zone. For existing homes, the PTZ only exists in zones B2 and C, with at least 25% of works in the operation. The PTZ amount cannot exceed that of the other loans of at least two years financing the operation.

How is the amount calculated?

The reference income (N-2 tax income divided by the family coefficient, with a floor equal to the operation cost divided by 9) places the household in one of the four tranches of its zone. The tranche sets the quotity applied to the capped operation cost: up to 50% for new collective housing, 30% for a new house, 40% for existing homes with works, 10% for HLM sales. The lower the tranche, the higher the quotity and the longer the deferral.

Repayment deferral: the major asset

The PTZ bears no interest and its repayment is deferred by 5, 10 or 15 years depending on the tranche: during the deferral you repay nothing on the PTZ. Banks then smooth the main loan to keep a constant payment over the whole term, which mechanically increases the household’s borrowing capacity. That smoothed structure, PTZ included, is what the broker presents to the bank.

Frequently asked questions

The A bis, A, B1, B2, C zoning is set by decree and available on the public service website: large metropolitan areas are in zone A bis or A, mid-size agglomerations in B1, small towns in B2 and rural areas in C. The zone drives both the income ceilings and the operation cost cap.

Other calculators

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Indicative estimate. Results are provided for information only, based on dated scales, with no contractual value. They are neither a credit offer nor personalized advice. No entered data is stored or transmitted. A loan commits you and must be repaid: check your repayment capacity before committing.