Since April 1, 2025, the zero-interest loan for a new home is finally a reality. This major change in the conditions of the PTZ opens new perspectives for future owners wishing build. Fewer monthly payments, a lighter budget, a more accessible project: 2025 may be the ideal year to take action.
What is the PTZ?
Le zero rate loan, otherwise called PTZ ou 0% loan, is a loan supported by the State. It is very advantageous since there is no longer any interest, interim interest, application or appraisal fees to pay in addition to the amount borrowed. Its role is to finance the construction of a primary residence or its purchase in addition to another mortgage loan.
Is the new house eligible for the PTZ?
Le zero rate loan has long excluded new individual houses from its scope. Now the PTZ can be granted for have your new home built. This may be accommodation within a collective housing complex or a individual house. There are also no longer any restrictions regarding the area in which the future home is located. While in 2024, only purchases of apartments in tense areas were eligible for the PTZ (zones A bis, A and B1), the system is now extended to the entire territory.
What are the conditions for benefiting from a zero-interest loan for a new home?
Not everyone is entitled to benefit from the zero rate loan. Indeed, this loan is intended to help those who need it.
Furthermore, you must not have owned your primary residence during the 2 years preceding your loan application (for certain profiles, this condition is not required). This is therefore a measure which favors First-time buyers.
THE PTZ new house for the construction of your main residence
To benefit from the PTZ, the house you build must become your a principal residence and this, within 12 months following the end of the work.
So the Zero rate loan cannot finance a rental investment or a second home.
Please note! : the accommodation must be occupied for at least 6 years. If you sell it or leave it before, without justification (separation, death, transfer, etc.), you will have to refund the PTZ.
What income qualifies me for a zero-interest loan for a new home?
To benefit from the zero-rate loan, the amount of your income must be below a certain level. The latter depends on the municipality of your future accommodation and the number of people intended to occupy this dwelling.
You can use the National Agency for Housing Information simulator (Anil) to estimate the amount of PTZ that can be granted to you depending on the real estate transaction you are considering.
What does the zero-interest loan for a new home cover?
Le 0% loan is a significant boost to reduce the cost of building a new home. However, it cannot finance the entire operation. For new homes, the PTZ covers between 10 and 30% the amount of the real estate transaction. The amount is determined based on your income; for the remainder you must have recourse to one or more other loans (traditional bank loan, home savings loan, social accession loan, etc.).
To go further, read the article: Home Loan: Have You Explored All the Solutions? »
What is the duration of the zero-interest loan for a new home?
Since April 2025, the Repayment period The zero-interest loan for a new home can last up to 25 years, with repayment deferrals of 5, 10, or 15 years depending on your situation. A good way to better manage your budget.
The zero-interest loan for new homes promotes access to property for all
This measure is a definite advantage, particularly for young households and the middle classes. This state aid will indeed allow more French people to acquire and live in a home that best meets their expectations. The zero-interest loan also particularly benefits the First-time buyers.
To go further, discover the article: “ First time buyer: how to prepare for the construction of your first home? ».
Example of monthly payment for a new house construction loan with PTZ
The Ministry of Housing has assessed the benefits of obtaining a zero-interest loan.
So if a young working person alone in Albi (zone B2), on minimum wage, acquires a new house for €120, he can now benefit from a PTZ of €33 (000% of the maximum transaction amount of €30), reducing his monthly payment by €110/month (-000%) compared to traditional bank financing over 80 years.
Where to apply for a PTZ?
PTZ applications are made to financial institutions that have signed an agreement with the State. These will primarily be banks.
As with a traditional loan, the institution freely assesses your ability to repay a loan (known as your solvency) and your collateral. It is therefore not obligated to grant you the PTZ.
To learn more, see the article “ Home loan: how to be sure you have the right borrower profile? ».
Relaunch new construction
As the French aspire to build their dream home that meets all the criteria of comfort and energy consumption control, this new measure can only help them make their dreams come true. Our goal is to encourage the construction of at least 15 additional homes supported by the PTZ and to support every French person in their property ownership project. ", explained Valérie Létard, the current Minister of Housing.
Why now is the time to take advantage of it
The opening of zero-interest loan for a new home This comes at the right time. In a context where interest rates have risen and real estate purchasing power remains under pressure, this financial boost allows significantly reduce the overall cost of a construction project. Thanks to this system, part of the financing can be granted interest-free, which reduces monthly payments and can even allow you to borrow more. It is also an excellent lever for accessing an energy-efficient house, compliant with the latest standards in force. In short, the PTZ becomes a strategic tool again to bring a new home project to fruition, in good conditions and at the right time.
