The Prêt à Taux Zéro (zero interest loan) is making a comeback: a great opportunity for first-time buyers!
Good news for first-time buyers! From 1 April 2025, the Prêt à Taux Zéro (PTZ) will be back with a new version that now includes new detached houses, wherever they are in France. This long-awaited return simplifies access to home ownership by making it easier to finance your future home. Find out everything you need to know about the 2025 version of the PTZ and why it represents a real opportunity to make your property project a reality!
How does the 2025 Zero Rate Loan work?
The PTZ is a government scheme designed to help future homeowners finance their property without having to pay interest. This loan is an invaluable asset for strengthening your financial case and making your dream of owning a new home a reality.
This interest-free loan is added to a conventional mortgage, making it easier to buy a new home. By reducing the total cost thanks to the interest-free part of the loan, the PTZ 2025 lowers your monthly repayments and increases your borrowing capacity. It is therefore an ideal solution for completing your property project while keeping your debt level under control.
1 April 2025 marks a key milestone with two major changes to the PTZ :
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No more geographical restrictions: From now on, the PTZ will be available throughout France, without any distinction between developed and undeveloped areas.
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New single-family homes are once again eligible: You can take advantage of them whether your project is in the city, in the country or on the outskirts of town.
This change opens up new opportunities for first-time buyers who want to build their own home.
Criteria for obtaining the PTZ 2025
To benefit from the PTZ, you must meet certain conditions:
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First-time buyers This means that you must not have owned your principal residence for the last two years.
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Comply with income limits Your household income must not exceed a certain threshold, depending on your geographical area and family situation.
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Obtaining an additional mortgage The PTZ must be accompanied by a conventional mortgage.
Are you a first-time buyer looking to become a homeowner in 2025? The PTZ is invaluable in helping you to finance your new home, wherever you are in France. With advantageous interest-free terms, it reduces the total cost of your project and makes it easier for you to become a homeowner.
Our advisors are here to help you make your project a reality. Contact us now to find out if you're eligible and to start building your dream home!
