How it works
It tops up a main loan — it never finances a purchase on its own — and covers part of the price, repaid interest-free over a term that depends on your income.
Prodiges & RézilienceCrédit & financement
The zero-interest loan (PTZ) is a state-backed, interest-free loan reserved for first-time buyers, subject to income conditions and the property's geographic zone.
The interest rate and the monthly payment stay the same for the whole loan term: it is the most widely used formula to finance the purchase of a main or secondary residence in France.
Learn more →A bridge loan lets you finance the purchase of a new property before your current home is actually sold, by advancing all or part of its estimated value.
Learn more →With an interest-only loan, only the interest is repaid each month; the borrowed principal is repaid in one go at the loan's maturity.
Learn more →If you hold a home savings plan (PEL) or account (CEL), you can get a home loan at a rate fixed when the plan was opened, independent of market rates at the time of purchase.
Learn more →It tops up a main loan — it never finances a purchase on its own — and covers part of the price, repaid interest-free over a term that depends on your income.
Reserved for people who have not owned their main residence in the last two years, subject to income ceilings based on household size and the property's geographic zone.
The actual amount you are entitled to depends on regulatory criteria reassessed each year by the finance law. Rather than display a generic amount that could be wrong for your situation, our advisor reviews your eligibility case by case.
An advisor reviews your eligibility and gets back to you within 24 to 48 business hours.