Since its beginnings in 1995, the Zero Rate Loan (PTZ) has established itself as an essential pillar for first-time buyers , facilitating the acquisition of their main residence under advantageous financial conditions .
This system, intended for households with modest incomes, has evolved considerably over the years to adapt to the changing needs of the real estate market and aspiring owners.
The PTZ , designed to encourage homeownership , is based on various criteria, including the applicant's income and the location of the property . As part of an overall plan to promote property ownership, the PTZ works in addition to other credits , thus representing a significant portion of the total amount borrowed by the household.
In a constant process of optimization and adaptation to market realities, substantial reforms of the PTZ have been announced for 2024 . The main modification consists of improving the classification of many municipalities: thus, 154 additional municipalities will be classified “A” from 2024 . This expansion aims to boost homeownership in specific areas, thus balancing urban development.
In essence, this new version of the PTZ introduces increased flexibility in its criteria for obtaining it. The loan ceiling has also been increased, which will allow households to benefit from more substantial financial assistance in their real estate acquisition project.
The extension of the PTZ until 2027 , also accompanied by new income ceilings , illustrates the government's commitment to making this financial support mechanism sustainable and accessible to a broader spectrum of the population. Eligibility will thus be extended to six million additional households!
This reform of the PTZ takes into account environmental issues by now excluding individual houses, thus aligning the system with government objectives of preserving natural spaces and limiting the artificialization of land.
In short, the PTZ , through these ambitious reforms, positions itself as a central tool in government policy aimed at stimulating access to property , promoting balanced urban development, and contributing to the preservation of environment. These announced changes demonstrate the desire to maintain the PTZ as an accessible and effective option for French households in their real estate acquisition project.