Zero-rate loan (PTZ) · 2026 scale
2026 PTZ simulator: your zero-rate loan in one minute
Estimate the amount of your zero-rate loan (PTZ) based on your zone, household and project, using the official scale from decree 2025-299, and see where it fits in your financing plan. Instant result, no registration required.
Your situation
estimated PTZ49 440 €Band3DetailsYour 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.
49 440 €
Eligible · bracket 3- Rate applied
- 40 %
- Basis adopted
- 123 600 €
- Reference income applied
- 45 000 €
Where your PTZ fits
In your financing plan
123 600 €
- Interest-free loan
- 49 440 €
- plusMain loan and deposit
- 74 160 €
- equalsProject cost, excluding notary fees
- 123 600 €
The PTZ finances 40 % of the cost of the operation, up to the ceiling for your zone.
Its repayment
15 ans
- Deferred: 2 ans without repaying the PTZ
- 0 €/mois
- Repayment over 13 ans
- ≈ 317 €/month
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.
Frequently asked questions about the PTZ 2026
How is the PTZ amount calculated in 2026?
The 2026 PTZ depends on your zone, the composition of your household, your reference tax income N-2 (revenu fiscal de référence) and the total cost of the transaction. The income used is the higher of your RFR N-2 and the cost of the transaction divided by 9, brought down per person through a family coefficient. It determines a bracket (1 to 4) and then a proportion, applied to a transaction cost capped according to the official scale in decree 2025-299.
Which income should be taken into account for the 2026 PTZ?
The reference taxable income for year N-2 is used: for a loan offer issued in 2026, that of 2024 income, shown on your 2025 tax notice. If several people are buying together, their reference taxable incomes are added together.
Does the 2026 PTZ fund the whole purchase?
No. The PTZ is an interest-free complementary loan: it finances part of the operation (the proportion depending on your income bracket) and is combined with a main loan and your deposit. The operation cost taken into account is also capped according to your zone and household.
Does this estimate have contractual value?
No. The result is an indicative, non-contractual estimate and does not constitute a credit 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.
