Assistance schemes, PTZ and local schemes
Zero-interest loan for older properties: the municipalities around Lyon where it is still possible
The zero-interest loan for older homes remains possible outside Lyon, with renovation works. Eligible municipalities, works threshold, reference date.
The zero-interest loan for older properties is excluded in Lyon but remains possible in the less constrained municipalities of the catchment area, for a purchase accompanied by improvement works representing a minimum proportion of the total cost of the transaction. The classification of a municipality is verified on the current zoning file, by its INSEE code, and is assessed on the date of issuance of the loan offer, not on that of the preliminary sale agreement.
By Sandy MASCART, mandataire d'intermédiaire en opérations de banque et en services de paiement ORIAS 26000541 sous le mandat de CDV PATRIMOINE & ASSURANCE (ORIAS 14005573)
Key points
- The zero-interest loan for older properties remains available outside the constrained zones, for a purchase accompanied by improvement works.
- The required proportion of works is calculated on the total cost of the transaction, not on the price of the property alone.
- Works financed by a zero-interest green loan are excluded from the transaction cost taken into account for the zero-interest loan for older properties.
- The zone applicable to the zero-interest loan is read on the date of issuance of the loan offer, never on that of the preliminary sale agreement or of the viewing.
- The classification of a municipality is verified on the current zoning file, never on a copied list.
The zero-interest loan for older properties remains possible around Lyon, in the less constrained municipalities, for a purchase involving improvement works. In Lyon itself, it is excluded: see the zero-interest loan in Zone A.
Under what conditions does the zero-interest loan finance an older property?
In the least constrained municipalities, outside Zones A bis, A and B1. Improvement works representing a minimum proportion of the total cost and an energy performance level after works are also required.
The improvement works must represent at least 25,00 % () of the total cost of the transaction. And the property must reach a minimum performance level:
Classe D du DPE après travaux ; ou, pour un diagnostic antérieur au 30 juin 2021, consommation conventionnelle en énergie primaire avant travaux inférieure à 331 kWh/m2/an
Justifié par les devis et une attestation sur l'honneur remise au prêteur avant l'offre.
- En vigueur depuis le
- Source
- Légifrance
Repainting or replacing a kitchen does not count. The creation of floor space, modernisation, sanitation, layout changes and energy savings do count.
How to determine whether a municipality around Lyon is eligible?
Read its classification in the Ministry’s zoning file, in the correct version. Neither the postcode nor the distance to Lyon indicates this.
Leaving the Métropole is not sufficient: see the Vallons du Lyonnais, municipality by municipality.
- Arrêté applicable Arrêté du 23 juin 2026 modifiant l’arrêté du 1er août 2014 pris en application de l’article D. 304-1 du CCH
- Numéro NOR VLOL2614851A
- Publication au Journal officiel JORF n°0147 du 25 juin 2026, texte n°49
- Entrée en vigueur 2026-06-26
- Fichier officiel du zonage https://www.ecologie.gouv.fr/sites/default/files/documents/Liste_ensemble_communes_Zonage_ABC_en_vigueur_26_juin_2026.xlsx
C'est la version contre laquelle le classement d'une commune doit être lu. Une liste de communes établie avant cette date n'engage plus rien.
- En vigueur depuis le
- Source
- Légifrance
| Step | Where | What you note |
|---|---|---|
| 1. Identify the municipality | INSEE code, not the postcode — a postcode may cover several municipalities | The exact INSEE code |
| 2. Open the current zoning file | File published by the Ministry responsible for housing | The version of the file and its effective date |
| 3. Read the municipality’s line | The zone column | The zone, and the date to which it applies |
La révision s’applique aux OFFRES DE PRÊT ÉMISES à compter de la date fixée par l’arrêté, et non à la date de demande ni à la date de signature de l’acte. Cas particulier PSLA : les zones s’apprécient à la date de signature du contrat de location-accession (D. 31-10-2-1, 2°).
- En vigueur depuis le
- Source
- Légifrance
The zone is fixed at the issue of the loan offer: a revision published between the preliminary sale agreement and the offer may change your eligibility.
The works that count towards the threshold
Improvement works, assessed by their nature, must be supported by quotations submitted before the loan offer. Heating systems using fossil fuels are excluded.
- The denominator: the total cost of the transaction, excluding notarial fees, not the price of the property.
- The Green Zero-Interest Loan: the works it finances are excluded from the cost taken into account and may allow you to fall below the threshold. Allocate the lots in advance: the Green Zero-Interest Loan.
- Self-renovation: only quotations from companies are taken into account.
Have itemised quotations drawn up and keep the invoices: an audit will compare the actual works with the declared ones. If an item is omitted? Notify the lender beforehand.
Purchase + works with a Zero-Interest Loan: the structure the bank expects
Main loan, Zero-Interest Loan and, if necessary, works loan within a single transaction. The purchase is released by the notary, the works against invoices.
Before signing, define:
- The release schedule: invoices, funding calls or a single advance.
- The works period: partial instalments or a repayment holiday, and their cost.
- The deadline for the works, on which the retention of the Zero-Interest Loan depends.
The repayment holiday on the Zero-Interest Loan affects your debt-to-income ratio: the Zero-Interest Loan, the down payment and the debt-to-income ratio. Some municipalities in the Lyon area add a grant, and a sufficiently long supplementary loan raises the Zero-Interest Loan ceiling: the Métropole grants, the Action Logement loan, the PAS or the regulated loan, then a single monthly instalment via smoothing.
How much PTZ can you hope for in these municipalities?
The cost ceilings and tranche thresholds fall as market tension eases: the property costs less, but you may move into a different tranche.
- In your favour: outside a high-demand area, the cost ceiling rarely applies; the quota is applied to the actual cost.
- To your disadvantage: lower thresholds may place you in a tranche with a lower quota.
Recalculate for each municipality using the grid for the PTZ in Zone A.
Buying further away to access the PTZ: the decisive calculation
Sometimes. A PTZ obtained on a property that is difficult to resell remains a poor calculation.
- The PTZ gain, which is nil in Lyon for existing housing: the calculation of the PTZ amount.
- The price difference, for comparable surface area and condition.
- The works, plus a contingency margin.
- The additional travel cost over your time horizon.
- The resale: time to sell and depth of the local market.
The trade-off works if you already work on the outskirts, if you are buying a large property for the long term, or if you know how to manage a construction project. It does not work if Lyon is simply out of budget.
Two municipalities, only one opens the PTZ? Create your file or have the two structures compared by telephone.
Sources
Read next
- Mortgage in Lyon: one file, several banks
- PTZ 2026: How to apply, required documents and the right timeline The PTZ is applied for at the bank, with the main loan. The documents to prepare, the date that fixes your entitlement and the timeline errors to avoid.
- Green PTZ: Financing the energy renovation of a home in Lyon Eligible works, amounts, co-ownership, combining with the main loan and MaPrimeRénov’: financing a renovation without hurting your debt-to-income ratio.
- DPE F and G: how to finance an energy-inefficient property in Lyon, including renovation works A DPE F or G property can be financed: quotes before the offer, works in the loan, deferred repayment until completion. What the bank requires, in Lyon.
- Homeownership assistance in the Lyon Metropolis: who provides it, and what it changes All homeownership schemes available in the Metropolis: who provides them, what they change in the financing plan, and the conditions required in return.
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