Is it possible to apply for a PTZ without taking out a bank loan?

Do you want to obtain a zero-rate loan but do you have questions on the subject? Today, MoneyVox responds to Domy, who wonders if it is possible to obtain a PTZ without taking out a bank loan.

Hello Domy,

Let’s start with a quick reminder: the zero-rate loan is reserved for first-time buyers, i.e. people who are financing the acquisition of their main residence for the first time, or who have not owned their home in the previous two years the loan offer. People who are disabled, disabled or victims of disasters can benefit from the PTZ without this restriction. In addition, the acquired property must comply with certain conditions concerning its condition (purchase of a new property for example) and its geographical location. Access to the PTZ is also subject to resource conditions.

Here’s to the presentations. Your question mainly concerns the conditions of granting. Let’s imagine that you are looking to buy a property, and that you already have part of the amount needed to purchase it. Can you, to complete it, claim a zero-rate loan, without any other real estate loan taken out with the bank?

The PTZ can only represent part of a real estate loan

Unfortunately, the answer is no, because the amount of your PTZ is equal to a portion of the total cost of the purchase up to a ceiling. Thus, depending on the property purchased and the geographical area, your PTZ can represent up to 40% of the total cost of the financed operation. Moreover, the amount of the PTZ cannot be greater than the amount of the other loans lasting at least two years which will finance the acquisition.

Clearly, your PTZ is a purchasing aid and can only represent a percentage of your overall financing project. It will always be backed, that is to say it is granted in addition to another loan. The PTZ can then be combined with a traditional loan from a bank, a housing savings loan (PEL) or even a social accession loan (PAS).

PTZ (zero rate loan): the rates for 2023