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Differences between PTZ (Zero Rate Loan) and eco-PTZ

The PTZ (Zero Rate Loan) is intended for people wishing to acquire a first principal residence while the eco-PTZ can be subscribed to finance energy-saving work carried out by building professionals. Let’s see in detail the characteristics of each.


  • 1 The PTZ
    • 1.1 The principle of PTZ:
    • 1.2 For which type of housing?
    • 1.3 Conditions for accessing the PTZ
  • 2 The PTZ eco
    • 2.1 The rules of the PTZ
    • 2.2 What is the maximum amount of the PTZ eco?
    • 2.3 What is the work package?
    • 2.4 What does the zero interest eco loan finance?
    • 2.5 The choice of companies to carry out the work
    • 2.6 What are the repayment terms of the PTZ eco?


The principle of PTZ:

The principle of PTZ:

The PTZ is a home ownership assistance scheme that helps finance part of the purchase amount of the principal residence. With no interest and no fees , it provides important financial support for realizing a real estate investment. Its purpose is to help low-income and middle-income households become homeowners.

The PTZ is subscribed in addition to a conventional bank loan and / or a personal contribution. It financed up to 40% of the purchase of housing until the end of 2017.

Since the beginning of 2018, the PTZ has been renewed for four years but it has undergone profound changes and must be studied according to the zones of implantation to know the percentage of the purchase (going to 20%), as well as the income ceiling.

PTZ can be set up for 20, 22 or 25 years and has a deferred device. This grace period extends over 5, 10 or 15 years depending on the profile of the borrower.

The duration of the PTZ therefore extends from 20 to 25 years depending on the case, and includes two periods:

  • the deferred period, during which you do not repay the PTZ (this period is, depending on your income, 5, 10 or 15 years),
  • the loan repayment period, which follows the deferred, varies between 10 and 15 years.

For what type of housing?

For what type of housing?

The PTZ is intended for the purchase of real estate VEFA (Sale in the Future State of Completion) within a residential program under construction or the acquisition of a new home completed so for a first occupation.

It can also be granted for a purchase in the former, on the condition that it has benefited from major renovations.

The conditions to access the PTZ

Only first-time buyers are qualified to take out a PTZ, that is, households that have never owned or have not owned their principal residence for at least two years. On the other hand, they must become homeowners. The PTZ is not intended to be used for the purchase of rental property.

The attribution is also subject to the level of resources of the borrower. The ceiling is set according to the size of his home and according to the region and the city of housing. The PTZ remains a device dedicated to households with modest and intermediate incomes.

The PTZ eco

PTZ rules

PTZ rules

The PTZ eco is designed to improve the energy performance of a home. It only applies to buildings constructed before January 1, 1990. This is a free loan with landlords benefiting undertaking renovations.

The dwelling must be used as a principal residence and its occupant can be either a tenant or the owner.

To be eligible for the zero interest eco-loan, you must either:

  • implement a “work package”,
  • achieve a minimum level of “overall energy performance” of housing,
  • rehabilitate a non-collective sanitation system with a device that consumes no energy,
  • to carry out work that has given rise to the benefit of the Habitation Mieux de l’Anah program.

It is now possible to apply for a second complementary PTZ eco to carry out a new phase of renovation work. The technical eligibility criteria are the same as those of the initial PTZ eco.

The PTZ eco-scheme will be in effect until December 31, 2018.

What is the maximum amount of the PTZ eco?

What is the maximum amount of the PTZ eco?

The ceiling of the eco PTZ is € 30,000 and must be used only to finance a package of works aimed at a better energy performance of the property.

What is the bouquet of works?

What is the bouquet of works?

To be eligible for the PTZ eco, the owner of the housing must present a file grouping together a set of works whose simultaneous realization allows to improve the energy performance.

The work – to be done by qualified professionals “Recognized as Guarantor of the Environment” – must be selected in at least two of the following categories:

  • efficient insulation of the roof,
  • high-performance insulation of walls facing the outside,
  • efficient insulation of windows and doors to the outside,
  • installation or replacement of heating or hot water production,
  • installation of a heating system using renewable energies,
  • installation of hot water production using renewable energies.

New in 2018:

  • Boilers using fuel oil as energy are only eligible for the PTZ eco (subject to compliance with the technical criteria) until June 30, 2018.
  • The fees and costs of connection to a heat network supplied mainly by renewable or recovery energy are eligible for eco-PTZ (subject to compliance with technical criteria).

What does the zero interest eco loan finance?

Within the limits of ceilings, it finances:

  • supply and installation of new works (provided that the equipment or material meets the technical conditions of eligibility),
  • induced indissociably linked work (electricity recovery, installation of a ventilation system …),
  • the costs of project management (architect, thermal studies office …),
  • the possible expenses of insurance owner of work.

The choice of companies to carry out the work

The work must be carried out by companies RGE (Recognized Guarantor of the Environment). There is an RGE business directory to find the nearest accommodation. These are the only companies authorized to carry out the works financed by the PTZ eco.

What are the repayment terms of the PTZ eco?

The amount of the eco PTZ must not exceed the ceiling of € 30,000, repayable without interest for a maximum period of fifteen years. This is also valid in case of request for an additional PTZ eco, the total amount of the two loans can not exceed 30,000 €.

The repayment term can be reduced to three years at the request of the borrower.

In the case of a single share, the maximum term is ten years for an amount of € 10,000 and in the case of a group of works comprising only two shares, the maximum term is ten years, but for a maximum amount of from € 20,000.

From the granting of the loan, the borrower has three years to carry out its work. At the completion of the work, he must provide the bank with a completed “Invoice” form and the corresponding invoices.The only common point of these two loans is the lack of interest rate zero, otherwise, both have very different goals.