PTZ 2026 in Île-de-France: zones A bis, A and B1 and amounts

Published on November 04, 2026 · PTZ & first-time buyers

First-time buyer couple receiving the keys to their new-build apartment

Are you a first-time buyer looking at a new-build home in Île-de-France? In 2026, the interest-free loan remains a key lever for buying your main residence, particularly in a region where prices are among the highest in France. However, how it works depends closely on zoning: depending on whether your future flat is in zone A bis, A or B1, the rules differ. In this article, we explain how to read the Île-de-France zoning, what determines the amount of your PTZ, and how to prepare your project calmly.

The PTZ in 2026: a reminder of the principle

The interest-free loan is a loan without interest, granted subject to income conditions, intended to finance part of the purchase of a main residence. It supplements a main loan and never finances the entire transaction. In 2026, it applies in particular to purchases of new-build homes, which makes it especially relevant for first-time buyers in Île-de-France who are looking at a recent flat.

Three main parameters determine what you can obtain:

your income bracket, assessed according to the composition of your household,
the geographic zone of the property,
the total cost of the transaction, subject to a ceiling.

The quota, that is, the share of the transaction that can be financed by the PTZ, depends on the income bracket and the type of property. The transaction ceiling applied depends on the zone and the size of the household. As these scales are regularly updated, we do not state any amount or quota here: please refer to our dedicated page /dispositifs/ptz and the /simulateurs/ptz-2026 for a personalised estimate.

Understanding zoning in Île-de-France

Île-de-France is the region with the most municipalities in high-demand zones. The zoning A bis, A and B1 reflects the tension in the local market: the greater the demand for housing relative to supply, the more the zone is considered high-demand, which influences the income and transaction ceilings of the PTZ.

Zone A bis

Zone A bis covers Paris and many municipalities in Hauts-de-Seine, as well as some towns in the inner suburbs. It is the highest-demand zone in France. New-build prices are highest there, which justifies transaction ceilings adapted to that reality. A first-time buyer aiming for a studio or a two-room flat in Paris or Boulogne-Billancourt is generally in zone A bis.

Zone A

Zone A covers a large part of the outer suburbs and several highly sought-after municipalities, such as some towns in Yvelines, Essonne or Val-d'Oise close to employment hubs. Prices remain high there, but often lower than within central Paris. This zone concerns many family projects looking for a three- or four-room flat.

Zone B1

Zone B1 corresponds to Île-de-France municipalities somewhat further from the major urban centres, for example in parts of Seine-et-Marne. Prices per square metre there are generally more affordable. For the same budget, a first-time buyer can sometimes aim for a larger floor area in zone B1 than in zone A bis.

To explore local trends, the choice of towns and the available programmes, see our overview of new-build property in Île-de-France.

Why zoning changes everything for your PTZ

In Île-de-France, the same project can attract very different funding depending on its location. Let us take two deliberately qualitative examples, with no invented figures.

Example 1: a childless couple in Paris (zone A bis). Their budget points them towards a new two-room flat. The transaction ceiling applied to the PTZ will be adapted to the tension of zone A bis. Their quota will depend on their income bracket. A precise simulation is essential to know what share of the purchase the PTZ can cover.

Example 2: a family with two children in Seine-et-Marne (zone B1). For a four-room flat, the transaction ceiling and the income ceiling differ from those in Paris. Household size also plays a role, as the ceilings increase with the number of people.

In both cases, the logic is the same: zoning and household composition set the framework, and your income bracket determines the extent of the support. That is why there is no single answer, but an answer specific to each project.

The PTZ within a new-build financing plan in Île-de-France

Buying new in Île-de-France offers several advantages to factor into your thinking. Notary fees are lower than for existing properties: allow roughly 2 to 3 % for new builds, compared with 7,5 to 8,5 % for existing ones, which reduces the overall cost of the transaction. In certain specific cases, a reduced VAT rate of 5,5 % may apply under conditions, notably depending on the location of the programme: this point should be checked project by project with an adviser.

The PTZ works alongside a main loan. Your borrowing capacity is governed by a reference debt ratio of 35 %. To see your room for manoeuvre, the /simulateurs/capacite-emprunt is a good starting point.

JL HOME is neither a broker nor a credit intermediary: we help you select and compare new-build homes in Île-de-France, clarify the information and structure your project, then direct you to financing with your bank or credit adviser.

How to prepare your PTZ file in Île-de-France

Here is a simple method to move forward:

Identify the zone of the target municipality: A bis, A or B1.
Estimate your income bracket based on your reference tax income and household composition.
Check your first-time buyer status: not having owned your main residence in the last two years is a common condition, to be confirmed according to your situation.
Simulate your PTZ and your borrowing capacity.
Compare programmes suited to your budget and area.

A new-build property adviser at JL HOME can support you at every stage, helping you compare available homes and clarify the conditions specific to your project.

Take action

The PTZ 2026 can considerably improve your financing plan in Île-de-France, provided you read the zoning and your ceilings carefully. To estimate your eligibility and refine your project, run a simulation with the /simulateurs/ptz-2026, then book a /rendez-vous with a JL HOME adviser for personal support suited to your Île-de-France situation.

Frequently asked questions

Which communes in Île-de-France are in zone A bis?

Zone A bis covers Paris and many very tight-market communes, particularly in the Hauts-de-Seine. The official classification may change: check the exact zone of your commune via the page /dispositifs/ptz or with a JL HOME adviser.

Is the amount of the PTZ the same everywhere in Île-de-France?

No. The proportion depends on your income bracket and the type of property, and the operation ceiling depends on the zone and the size of your household. This is why a personalised simulation is essential.

Can I obtain a PTZ if I buy a new home in Paris?

It is possible, subject to income conditions and first-time buyer status. As Paris is in zone A bis, the ceilings are adapted to the tightness of the market. Use the simulator /simulateurs/ptz-2026 to estimate your case.

Can JL HOME arrange my loan?

No. JL HOME is neither a broker nor a credit intermediary. We help you select and compare new-build homes and structure your project, while financing remains to be arranged with your bank or credit adviser.

What is the PTZ in 2026?

The zero-interest loan (PTZ) is an interest-free loan, granted subject to income conditions, which finances part of the purchase of a new main residence. It supplements a main loan and never covers the entire operation. To estimate your situation, use the simulator /simulateurs/ptz-2026 or book an appointment via /rendez-vous.

How does zoning A bis, A and B1 work in Île-de-France?

Zoning reflects the tightness of the local market: zone A bis corresponds to the tightest areas (Paris and many communes in the Hauts-de-Seine), while zone A and zone B1 correspond to tight but less extreme markets. This zone affects the income and operation ceilings of the PTZ. The official classification may change: check your commune's zone via /dispositifs/ptz.

What does the amount of the PTZ in Île-de-France depend on?

The amount depends on three parameters: your income bracket according to household composition, the geographical zone of the property, and the total price of the operation, capped by a ceiling. The proportion depends on the income bracket and type of property, while the operation ceiling depends on the zone and household size. Get a personalised estimate at /simulateurs/ptz-2026.

Is the PTZ enough to finance a new purchase in Paris?

No, the PTZ never finances the whole amount: it supplements a main loan. In Paris, classified as zone A bis, the ceilings are adapted to actual prices. To combine PTZ, the main loan and the debt ratio of 35 %, you can use /simulateurs/capacite-emprunt and speak with a JL HOME adviser via /rendez-vous.

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