Are you planning to buy your main residence? Do you want to finance it in part with a zero-rate loan? At Fortuneo, the PTZ is not available. However, nothing prevents you from applying for a home loan from your online bank and then applying to another financial institution for the PTZ.
What is a zero rate loan?
The zero rate loan or PTZ is a regulated state loan . It was set up with the aim of promoting home ownership. However, its access is limited.
The characteristics of the PTZ
The PTZ is a real estate loan different from conventional loans.
It is a loan:
- Interest-free : as the name suggests, the interest rate is zero. You only repay the borrowed capital.
- No application fees .
- Limited Access : The PTZ is subject to eligibility requirements.
- With a repayment in two periods : a first deferred period which can be 5, 10 or 15 years, a repayment period varying between 10 and 15 years.
Eligibility conditions for obtaining a zero interest loan
The PTZ only finances the main residence . For this, the borrower must not have been an owner in the 2 years preceding the request. This may be :
- Social housing
- Old housing (zones B2 or C)
- A new home for its first occupancy
- A construction
- A space converted into a home
- Housing for its first occupation after work useful for production
The borrower must not exceed a ceiling of resources . It is income at N-2 that is taken into account (income from 2021 for an application in 2023).
| Number of people housed | Zone A bis et A | Zone B1 | Zone B2 | Zone C |
|---|---|---|---|---|
| 1 | 37 000 € | 30 000 € | 27 000 € | 24 000 € |
| 2 | 51 800 € | 42 000 € | 37 800 € | 33 800 € |
| 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 € |
| from 8 | 118 400 € | 96 000 € | 86 400 € | 76 800 € |
You should also know that the geographical area of the property has its importance on the amount of financing. 4 areas stand out:
- A bis/A ;
- B1;
- B2 ;
- C.
The PTZ at Fortuneo
Fortuneo has not signed an agreement with the State, it is not able to offer PTZ. Few online banks are licensed. However, nothing prevents you from applying for a classic loan from Fortuneo and then filing a PTZ file with another accredited financial institution.
Get a home loan from Fortuneo
The interest-free loan only finances part of the real estate project . The amount represents 10 to 40% of the total project without exceeding a ceiling.
| Number of people housed | Zone A bis et A | Zone B1 | Zone B2 | Zone C |
|---|---|---|---|---|
| 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 € |
You are therefore obliged to apply for an additional loan . The PTZ can be supplemented by:
- A classic home loan ;
- An agreed loan ;
- A social access loan .
Your online bank, Fortuneo is able to offer you a classic mortgage . It finances a project between €80,000 and €2,000,000. It is a fixed-rate loan with a constant maturity repayable over a period of between 7 and 25 years. You must have at least 10% down payment, covering notary fees , agency fees.
Your request is made online. You get one or more personalized simulations. You select the offer that best suits your profile. The progress of your file is done online in your personalized space. Our advisers study your file such as your debt capacity and your guarantees . Fortuneo does not charge any application fees. In the same way, this online bank does not apply any claim for compensation in the event of early repayment .
Which banks offer PTZ?
Only contracted banks are able to offer the PTZ. Few online banks are among them.
| Name of the bank | Traditional bank | online bank |
|---|---|---|
| AXA Banque | ✓ | ✗ |
| People’s Bank | ✓ | ✗ |
| Postal bank | ✓ | ✗ |
| BNP PARIBAS | ✓ | ✗ |
| Savings Bank | ✓ | ✗ |
| Agricultural credit | ✓ | ✗ |
| Credit North | ✓ | ✗ |
| Credit Foncier de France | ✓ | ✗ |
| Industrial and commercial credit | ✓ | ✗ |
| Mutual credit | ✓ | ✗ |
| HSBC | ✓ | ✗ |
| Monabanq | ✗ | ✓ |
| Orange Bank | ✗ | ✓ |
| Societe Generale | ✓ | ✗ |
The eligibility conditions for the PTZ are the same for all banks. No matter which institution you apply to, the requirements will be the same. It is possible that an advisor will require you to open a bank account on which the repayment of the loan will be made.
Find your future mortgage with lesfurets
To realize your real estate project, then obtain the best loan conditions, you must compare the offers on the market. lesfurets allow you to find the mortgage adapted to your situation, to your project. You can finance your property with a mortgage at the best rate and then reduce the cost with a zero-rate loan.
