Simulator PTZ 2026
Check your eligibility for the 2026 Zero-Interest Loan (PTZ) and estimate the amount, duration and monthly payments.
2026 PTZ rates — April 2025 reformUnderstanding the Zero-Interest Loan (PTZ) in 2026
The PTZ is a government-backed interest-free loan for first-time buyers. It complements a standard mortgage to finance the purchase of a primary residence.
Why simulate your PTZ?
- Check your eligibility before applying at the bank
- Estimate the amount and duration of your PTZ
- Understand the impact of the deferral on your payments
- Calculate the remaining amount to finance with a standard loan
- Compare scenarios by zone and household size
How does the PTZ work?
The PTZ finances part of the purchase (20 to 50% depending on the zone) interest-free. Repayment starts after a deferral of 5 to 15 years based on your income. During the deferral, you only repay the main loan. After the deferral, you repay the PTZ in constant instalments.
Frequently asked questions about the PTZ
Everything you need to know about the Zero-Interest Loan