You are looking for a property and want to know if you can get a Zero Rate Loan (PTZ)? If you are a first time buyer, and you want to buy in the new or old, it is likely that you have access to this type of loan helped for your mortgage.

This loan simulator will let you know whether or not you can get a zero rate loan to become a homeowner and the amount you can claim depending on your situation.

2019 zero interest rate simulator

2019 zero interest rate simulator

Amount of the property Household composition 1 person 2 persons 3 people 4 people 5 people 6 persons 7 people 8 people and social housing purchase 

example: For a couple who wants to buy a new home at a price of € 200,000 with income of € 50,000 / year to year n-2 in Paris. After a loan simulation, the PTZ + that can be obtained is 80 000 €

How to perform my simulation of ptz?

loan

The Zero Rate Loan allows a borrower to make money for real estate purchases without having to pay interest at the time of financing. Depending on the household income and the location of the property, the maximum amount that can be borrowed varies. This is a no-cost loan that can be granted by a banking institution under conditions.

To benefit from the ptz plus you must also be first-time buyer, that is to say that your real estate project must match the financing of your first principal residence.

To know if you are eligible for PTZ, you must complete all the fields of the simulator ptz:

  • Amount of property: Corresponds to the amount of property you wish to acquire.
  • Composition of the household: Number of people who will live in the property (be careful, we are talking about the number of inhabitants and not the number of borrowers). The income ceilings of the household vary according to the composition of the household.
  • Type of property: New or old. The conditions of obtaining are different according to the type of good.
  • N-2 Tax Revenue : Your taxable income for year N-2 of the current year.
  • Your city: Allows you to define the zone in which you are located and to determine if you are entitled to PTZ.

By completing this credit simulation, you will know if you are or not eligible for PTZ but also how much and how much you can claim for your loan.

The PTZ calculation also gives you an overview of your borrowing capacity for this type of loan.

THE Zero Rate Plus Loan: Definition

Zero

The new zero rate loan (ptz +) came into effect on January 1, 2011, it is a supplementary loan to a main credit. The PTZ has no fees or interest whatsoever. This type of loan is assisted, that is to say that the State grants it under a condition of eligibility. The PTZ + (or new ptz) is an evolution of the classic PTZ in force since 2011.

Not everyone has easy access to this type of zero interest credit. This measure has two objectives:

  • Support people wishing to become owners of a principal residence (old or new housing)
  • Encouraging people to buy environmentally friendly housing

Indeed, the PTZ facilitates the homeownership since there is no credit rate included in the monthly payments that you repay.

Access to the Zero Rate Loan is subject to certain conditions of ownership and zoning:

  • Not having owned in the last two years
  • The income or resource ceilings by zone of the PTZ:
Number of people occupying the property Zone A Zone B1 Zone B2 Zone C
1 € 37,000 € 30,000 € 27,000 24,000 €
2 € 51,800 € 42,000 € 37,800 33 600 €
3 € 62,900 € 51,000 € 45,900 40 800 €
4 74 000 € 60,000 € € 54,000 € 48,000
5 85 100 € 69 000 € € 62,100 € 55,200
6 € 96,200 78 000 € € 70,200 62 400 €
7 107 300 € 87 000 € 78 300 € 69 600 €
8 and + 118 400 € 96 000 € € 86,400 € 76,800
  • A loan that has a capped amount:

The amount of the PTZ is capped and depends on the area concerned:

Number of people occupying the property Zone A Zone B1 Zone B2 Zone C
1 60,000 € € 54,000 € 44,000 40 000 €
2 84 000 € 75 600 € € 61,600 56 000 €
3 102 000 € € 92,000 74 800 € 68 000 €
4 120,000 € 60,000 € € 54,000 € 48,000
5 138 000 € $ 124,400 € 101,200 € 92,000

For the duration of the loan, the repayment of the Zero Rate Loan can range from 20 to 25 years.

The PTZ is therefore a conventional loan agreement. It favors first-time homebuyers, especially for young borrowers. It is very advantageous for the borrower because there is no fixed rate to repay every month. You will be able to obtain this loan only if you meet the conditions of the ptz.