PTZ 2025: The French Zero-Interest Loan Guide

Note: This content is specific to the French property market.

The Prêt à Taux Zéro (PTZ) is the holy grail for first-time buyers in France. It is a loan subsidized by the state with 0% interest. You pay back exactly what you borrowed, with no fees.

How much can you get?

In 2025, the PTZ has been expanded. It can now finance up to 50% of the property price (up from 40% previously) for lower-income households.

• Maximum Amount: Often capped around €100,000 to €130,000 depending on the zone and family size.

Eligibility

1. First-Time Buyer: You must not have owned your main residence in the last 2 years.
2. Income: Your fiscal income (Revenu Fiscal de Référence) must be under certain ceilings. Note: These ceilings were raised in 2024 to include more middle-class families.
3. Property Type:
   • Tense Zones (A, Ab, B1): Major cities like Paris, Lyon, Nice. PTZ is available mainly for New Build apartments in collective buildings.
   • Relaxed Zones (B2, C): Rural areas and smaller towns. PTZ is available for Existing Properties (Ancien) only if you commit to renovation works worth at least 25% of the total cost.

Why it matters

With market mortgage rates around 3.5% - 4%, getting €100,000 at 0% saves you approximately €40,000 to €60,000 in interest payments over 20-25 years. It effectively acts as a massive discount on the property price.

How to Apply

The PTZ is not issued by the government directly but by banks (Crédit Agricole, BNP, etc.) alongside your main mortgage. Ask your banker or broker specifically about your PTZ eligibility.

👉 PTZ Calculator: How much can I get?