In the Housing plan presented on Monday by Elisabeth Borne, the government wants to promote home ownership and rental, support the production and renovation of social housing, relaunch construction and amplify the energy renovation of the private sector. Among the detailed measures, an update of the scope of the Zero Rate Loan (PTZ).
Elisabeth Borne and her government are tackling the housing project in June. In the plan drawn from the discussions of the National Council for Refoundation (CNR) presented on Monday by the Prime Minister, five objectives: to promote access to property and rental, to support the production and renovation of social housing, to relaunch construction and amplify the energy renovation of the private park.
To support households in acquiring their homes, the zero rate loan (PTZ) has been extended until the end of 2027. This is good news, as mortgage rates have never been so high, despite the monthly evolution of the rate of usury, the maximum threshold of the cost of a loan. The only innovation is that the system will be refocused on new collective housing in extended areas and all housing in relaxed areas, subject to renovation. Clearly, the zero rate loan (PTZ) can no longer be used to build a new house.
Unchanged grant conditions
However, and subject to unexpected announcements by Elisabeth Borne, the framework of the PTZ and the amounts granted remain the same. You must be first-time buyers of your main residence, and the amount granted depends on your income, the composition of the household, the nature of the accommodation (collective, old and/or renovating, etc.) and the future place of residence. . The repayment terms of the PTZ range from 25 years (for the most modest households) to 20 years (for the wealthiest of eligible persons).
The total amount of resources taken into account for the PTZ offer is currently the greater of the following two amounts:
- The sum of the reference tax income of persons intended to occupy housing as their main occupation, for the penultimate year preceding that of the loan offer (i.e. those for the 2021 tax year, declared and countries in 2022 for an offer launched in 2023).
- The total cost of the real estate purchase operation divided by 9.
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Afterwards, the amount of the PTZ is calculated by multiplying the amount of the operation (purchase and costs, excluding notary’s fees) by a maximum percentage of the total cost of financing determined by the characteristics of the property stated above.
In addition, the amount of the operation used to calculate the amount of the PTZ is limited by the following regulatory ceilings:
| Number of people | Area A | Area B1 | Area B2 | C-zone |
|---|---|---|---|---|
| 1 | 150,000 | 135,000 | 110,000 | 100,000 |
| 2 | 210,000 | 189,000 | 154,000 | 140,000 |
| 3 | 255,000 | 230,000 | 187,000 | 170,000 |
| 4 | 300,000 | 270,000 | 220,000 | 200,000 |
| 5 and more | 345,000 | 311,000 | 253,000 | 230,000 |
Example
A childless couple with a reference tax income of 34,000 euros for new housing in zone A. The income taken into account to determine the reimbursement profile is 24,286 euros (i.e. 34,000 divided by 1.4), which corresponds to a profile 2.
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Moreover, the zero-rate eco-loan or co-PTZ, capped at 50,000 euros, does not disappear. It remains intended for owners who wish to finance energy renovation work in their home.