The PTZ (prêt à taux zéro, zero-interest loan) can finance up to half of your new-build purchase, without interest. In one minute, estimate your amount using the official scale, then review your purchase project with a JL HOME adviser.
The JL HOME selection
PTZ
New homes for a main residence. The PTZ also depends on your situation and on the bank’s agreement.
One example property available per development. Open a listing to see the unit shown and its price conditions.
Residence image · non-contractualPTZ possibly available for this property: main residence, subject to income conditions, first-time buyer status and bank approval.
Expected delivery Q2 2029
Residence image · non-contractualPTZ possibly available for this property: main residence, subject to income conditions, first-time buyer status and bank approval.
Expected delivery Q1 2029
Residence image · non-contractualPrice subject to access conditions, to be checked with your adviser.
PTZ possibly available for this property: main residence, subject to income conditions, first-time buyer status and bank approval.
Expected delivery Q2 2029
Residence image · non-contractualPrice subject to access conditions, to be checked with your adviser.
PTZ possibly available for this property: main residence, subject to income conditions, first-time buyer status and bank approval.
Expected delivery Q1 2029
Residence image · non-contractualPrice subject to access conditions, to be checked with your adviser.
PTZ possibly available for this property: main residence, subject to income conditions, first-time buyer status and bank approval.
Expected delivery Q1 2029
Residence image · non-contractualPTZ possibly available for this property: main residence, subject to income conditions, first-time buyer status and bank approval.
Expected delivery Q4 2029
The 2026 PTZ is a interest-free loan reserved for first-time buyers for the purchase of a new main residence. Its amount represents 10% to 50% of the cost of the operation depending on your income and your zone, within official ceilings (decree 2025-299). It can be used across France for a new home, apartment or house (with a lower rate for a house).
The zero-interest loan can change your financing plan in practice.
The PTZ, interest-free, replaces part of your main loan: your monthly payment falls for the whole duration of the deferral period.
The PTZ can finance up to 50% of the operation and supplements your deposit: you reach homeownership with smaller savings.
Neither interest nor arrangement fees on the PTZ itself, and a deferral period: you can start your project with peace of mind.
In new-build homes, notary fees fall to around 2 to 3% of the price, far less than for older properties: a saving that comes on top of the PTZ.
The key rules of the zero-rate loan (prêt à taux zéro), as set out in decree 2025-299. Reliable reference points to help you see where you stand before speaking to your bank.
The zero-interest loan (PTZ) is a complementary interest-free loan with no arrangement fees, granted subject to income conditions to help finance part of the purchase of your main residence in new-build property. It is repayable only after a deferral period of up to 10 years.
It is aimed at people who have not been owners of their main residence in the last two years. In 2026, it applies to the purchase of a new home as a main residence, across the whole country (zones A bis, A, B1, B2 and C).
The PTZ finances 10% to 50% of the cost of the operation depending on your income bracket, within a cost ceiling set by zone and by household: from €100,000 (1 person, zone C) up to €360,000 (5 persons or more, zones A bis/A). The exact amount depends on your situation.
Eligibility is based on your reference tax income for year N-2 (2024 income, shown on the tax notice received in 2025, for a loan offer issued in 2026), your household composition and the zone of the property. A family coefficient (up to 3.3 for 8 people or more) adjusts the income ceiling applied. The scheme is open to loan offers issued up to 31 December 2027.
Source: decree no. 2025-299 on the zero-rate loan (prêt à taux zéro). Indicative values, subject to change, to be checked with your adviser.
Maximum operation cost used to calculate the PTZ, depending on your zone and household size (decree 2025-299).
| Zone | 1 person | 2 people | 3 people | 4 people | 5+ people |
|---|---|---|---|---|---|
| Zone A bis very tight | 150 000 € | 225 000 € | 270 000 € | 315 000 € | 360 000 € |
| Zone A very tight | 150 000 € | 225 000 € | 270 000 € | 315 000 € | 360 000 € |
| Zone B1 tendu | 135 000 € | 202 500 € | 243 000 € | 283 500 € | 324 000 € |
| Zone B2 intermediate | 110 000 € | 165 000 € | 198 000 € | 231 000 € | 264 000 € |
| Zone C relaxed | 100 000 € | 150 000 € | 180 000 € | 210 000 € | 240 000 € |
The percentage applied to this cost ranges from 10% to 50% depending on your income bracket (up to 50% for a new-build apartment, bracket 1). Source: decree no. 2025-299.
Example calculated by our engine: household of 3 people, zone A, reference taxable income 40 000 €, operation 280 000 €, deposit 20 000 €, rate 3,5 % on 25 years.
Standard loan of 260 000 € of 25 years.
PTZ of 135 000 € (share 50 %) + main loan of 125 000 €.
saving during the PTZ deferral period (10 years*).
*During the PTZ deferral period. Principal loan monthly payments including insurance (0,36 % per year of the borrowed capital). At the end of the deferral period, the PTZ must be repaid: in this example, 750 € per month for 15 years. Indicative estimate based on market assumptions; the simulator calculates your actual case. Simulate my PTZ ↓
Enter your household, area and project: the estimated amount appears instantly, based on the official scale.
Your JL HOME adviser will identify the exact zone of each programme with you.
“Reference tax income” line on your 2025 tax notice (2024 income).
Price of the home including TVA, excluding notary fees. Add any works and negotiation fees if they are payable by you.
81 000 €
Eligible · bracket 3Where your PTZ fits
250 000 €
The PTZ is calculated on up to 202 500 €, a ceiling set for your zone and household size. It finances 40 % of it.
15 ans
The PTZ carries no interest. During the deferral period, only the repayments on your other loans continue.
The PTZ is reserved for first-time buyers: you must not have owned your main residence during the last two years.
Indicative estimate, not contractual. This does not constitute a credit offer. Speak with a JL HOME adviser for a personalised assessment.
2 654 new-build programmes of our catalogue are in zones A bis, A and B1, the high-demand zones of the official zoning. A few towns, by number of programmes:
The PTZ fits into an overall plan. Refine each piece of the puzzle:
Prices shown are those provided by developers. Any missing information is flagged for confirmation with your adviser, never guessed.
New-build estate agency: we compare the schemes of the developers in our catalogue. Our fees are paid by the developer.
From finding the property to handing over the keys, a single point of contact compares homes with you and supports you. For the loan, they prepare your purchase project with you and direct you to the bank or credit broker of your choice.
We assess your eligibility with you using the official scale, without ever promising an entitlement to an advance: it is the bank that grants the PTZ.
Where to invest
Towns from our catalogue, ranked by number of developments available. Explore them one by one.
The 2026 PTZ is reserved for first-time buyers: you must not have owned your main residence in the two years before the application. The financed home must become your main residence and comply with the income ceilings set for your area and household composition.
The higher of your reference tax income for N-2 and the cost of the operation divided by nine, reduced per person using a family coefficient, is used. This reference income determines a bracket (1 to 4), to which a rate (from 10% to 50%) corresponds. This rate applies to the cost of the operation, itself capped according to the zone and household (official scale, decree 2025-299).
The reference tax income for year N-2: for a loan offer issued in 2026, that of 2024 income, shown on your 2025 tax notice. For joint purchases, the reference tax incomes are added together.
Not automatically. The reduced TVA rate of 5.5% is reserved for specific cases (social home ownership, bail réel solidaire, programmes located in a priority neighbourhood or ANRU zone), while the PTZ has its own income conditions. You can benefit from both only if your programme AND your situation simultaneously meet both sets of criteria, which remains a minority case. A JL HOME adviser checks this case by case rather than promising it in advance.
Yes, and that is in fact how it normally works: the PTZ funds only part of the purchase, so it complements a main amortising loan and can be combined with an Action Logement loan, a PEL/CEL or your own contribution. The only limit is that all your loans must respect your borrowing capacity (HCSF 35% rule of income, insurance included).
The total term runs up to 25 years depending on your income bracket, with a deferral period (10 years for the lowest incomes) during which you repay nothing on the PTZ. The more modest your income, the longer the deferral and the term.
No. The simulator result is an indicative, non-contractual estimate and does not constitute a loan offer. Only the bank handling your loan confirms your eligibility and the final amount; a JL HOME adviser helps you prepare your purchase project in advance.
The PTZ uses an income bracket (1 to 4) calculated from your reference tax income for N-2, relative to household composition, according to thresholds that vary by zone (A/A bis, B1, B2, C). The tighter the zone, the higher the ceilings. Above bracket 4, the home is no longer eligible. The calculator applies the official scale to your exact situation.
The amount corresponds to a rate (up to 50% for a new flat, tranche 1) applied to a cost taken into account, capped according to your area and household size. For example, the cap is up to €360,000 for a household of 5 people or more in zone A. The exact amount depends on your tranche: use the simulator.
In new builds, the PTZ combines with reduced notary fees (around 2 to 3% of the price, well below those in existing properties) and a home meeting the latest energy standards. The PTZ finances the same share of the cost for a new flat as for a renovated existing home (where existing homes are eligible), and a smaller share for a new detached house. Combining these advantages often makes new builds more affordable at an equivalent monthly payment.
Both may be eligible, but the financing ratio differs: up to 50% of the cost for a new apartment, and a lower ratio for a new detached house. The simulator applies the correct ratio according to the property type.
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A JL HOME adviser reviews your situation, checks your rights to the PTZ and other aid, and supports you through to signing.
Be called back by an adviserThe PTZ is often combined with other schemes. Explore our dedicated guides below.
