PTZ 2026: conditions, amounts and how it works in full
Published on June 18, 2026 · PTZ & first-time buyers
The interest-free loan (PTZ) remains, in 2026, the main public support for buying a home in the new-build sector. It is a loan with no interest or arrangement fees that finances part of your main residence. Its operation, however, follows precise rules: zones, income, proportions and deferral. Here is the full guide, based on the official scales.
In brief
The PTZ is a complementary interest-free loan reserved for first-time buyers purchasing their main residence in the new-build sector, subject to income conditions. Its amount depends on three factors: the zone of the property, the make-up of the household and the cost of the operation. It never finances the whole property: it supplements your main mortgage and any personal contribution.
Who can benefit from the PTZ in 2026?
Three cumulative conditions:
- Being a first-time buyer: not having owned your main residence during the last two years. Certain situations (disability, disaster) may be exempt.
- Buying a new property intended to become your main residence, not a rental investment.
- Meeting income ceilings, which vary according to the zone and the number of occupants of the property. The reference tax income of the year before last is generally used.
The PTZ is aimed at home ownership: for a rental project, other schemes exist (LMNP, LLI…).
Eligible zones
The zoning (A bis, A, B1, B2, C) reflects the pressure of the local market: the greater the demand for housing, the more "high-demand" the zone. Large urban areas most often fall within zones A bis, A and B1. The zone determines the operation ceiling used in the calculation, and therefore the potential amount of the PTZ.
How is the PTZ amount calculated?
The PTZ corresponds to a proportion applied to the cost of the operation, within a ceiling specific to your zone and household size. The proportion depends on your income bracket: the most modest households receive the highest proportions.
| Parameter | Role in the calculation |
|---|---|
| Cost of the operation | Price of the property, taken into account up to a ceiling by zone and household make-up |
| Proportion | Share of this cost financeable by the PTZ, according to your income bracket |
| Ceiling | Maximum operation amount taken into account |
As the exact parameters vary with your situation, a personalised simulation is always preferable to a theoretical calculation: a difference in zone or income bracket changes the result.
The deferred repayment
The key advantage of the PTZ is the deferral. For several years you repay only your main loan; repayment of the PTZ begins only later. This eases your first monthly payments, when your budget is often at its tightest. The length of the deferral depends on your income: the lower it is, the longer the deferral.
PTZ and other benefits: combinations
The PTZ can be combined with several new-build incentives:
- Reduced notary fees (approximately 2 to 3 % for new-build, compared with 7 to 8 % for existing homes), an advantage specific to new-build.
- Reduced VAT at 5,5 %: possible only if the programme is located in an ANRU/QPV zone and your situation meets both criteria, which remains a minority case.
- Action Logement: a supplementary loan for private-sector employees, subject to your employer.
No combination is automatic: an adviser checks your eligibility case by case rather than promising it in advance.
The steps to benefit from it
- Check your eligibility (first-time buyer, resources, zone).
- Estimate the amount with a simulation.
- Put together your financing plan with your bank, which incorporates the PTZ into the main loan.
- Sign, with the PTZ released together with the rest of the financing.
Conclusion
In 2026, the PTZ remains a powerful lever for first-time buyers of new-build homes: interest-free loan, deferral, combinable with reduced notary fees. Its exact amount depends on your zone, your income and your household. Have it estimated precisely before building your plan, and have the possible combinations for your programme verified.
