Your personal space

Forgotten password
 
 
Home : Buy Information and services for homeowners Financing your plans The interest-free mortgage (PTZ) in How much could you borrow under the PTZ scheme?
Bouygues Immobilier

How much could you borrow under the PTZ scheme?

The amount of PTZ available for a new-build purchase varies depending on the number of people occupying the property and the property location.

Maximum amount

In 2010, this will also depend on the date on which the interest-free mortgage is issued. Until 30 June, the interest-free mortgage amount is double that for 2008, but after 1 July, that increase will fall to 50%.

 

PTZ amount since July 1, 2010
Number of people likely to occupy the property Maximum household income *
Zone A
(in euro) 		Zone B
(in euro) 		Zone C
(in euro)
1 person 32 100 26 400 20 700
2 people 45 000 37 950 30 900
3 people 50 100 42 900 35 700
4 people 55 050 47 700 40 350
5 people 60 150 52 650 45 000
6 people or more 65 100 57 450 49 650

*  Amount calculated subject to future modification, particularly in zone C, where further legislation is planned

Go up

The maximum level of loan

When buying a new-build property, the amount of PTZ has two different maximum levels. It cannot exceed the lower of the 2 amounts calculated as follows:

  • 30% of the cost of your purchase (subject to the maximum transaction limits shown in the table below), rising to 40% in tax-free urban areas (Zone Franche Urbaine or ZFU) and urban regeneration areas (Zone Urbaine Sensible or ZUS) 
  • the total amount of other loans of over 2 years’ duration contracted for the property purchase (bank loan, 1% home loan, etc.)


 

Number of people likely to occupy the property Maximum upper limits for a single transaction
Zone A
(in euro)		 Zone B
(ineuro)		 Zone C
(in euro)
1 person 80 250 66 000 51 750
2 people 112 500 94 875 77 250
3 people 125 250 107 250 89 250
4 people 137 625 119 250 100 875
5 people 150 375 131 625 112 500
6 people or more 162 750 143 625 124 125
Go up
Offre exceptionnelle ! du 23 janvier au 19 février 2012
0€* á la réservation + 0€* de frais de dossier bancaire + 0€* d'intérêts jusqu'á la remise des clés
* voir mentions Profitez de cette offre exceptionnelle sur plus de 2500 logements !