Assistance schemes, PTZ and local schemes
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.
The zero-interest loan is applied for at the bank financing the purchase, within the same file as the main loan. Three pieces of evidence must be prepared: the taxable income for the reference year, the absence of ownership of the main residence, and the nature of the transaction. The date that determines your entitlement is the date of issuance of the loan offer, and the PTZ must appear in the financing plan 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 PTZ is applied for at the bank financing the purchase, within the same file as the main loan, never separately.
- The date that determines your entitlement to the PTZ is the date of issuance of the loan offer, not that of the preliminary sale agreement.
- The income that grants entitlement to the PTZ consists of older taxable income, not that used for borrowing capacity.
- Include the PTZ in the financing plan of the preliminary sale agreement: the suspensive condition does not cover a late application.
- The PTZ is granted for the main residence, with an occupancy commitment that continues after signing.
The zero-interest loan is applied for at the lender financing the purchase, within the same file as the main loan. Prove your income, your non-ownership status, and the nature of the transaction, and monitor the date of the loan offer. The other aids and the PTZ in Lyon are gathered here.
Who do you apply to for a zero-interest loan?
To the lender financing your purchase, at the same time as the other loans, with supporting documents.
A PTZ is never taken out on its own.
Le montant du PTZ est lui-même plafonné par référence au montant de ces autres prêts.
- En vigueur depuis le
- Source
- Article L. 31-10-8 du code de la construction et de l’habitation — Légifrance
Not all lenders offer it: request it before comparing. See the PTZ, the down payment and the debt-to-income ratio.
PTZ 2026: expanded new-build eligibility
Caps and proportions: the PTZ in Lyon.
Which date is decisive for your rights?
The issuance of the loan offer. It determines the zone of the municipality and the first-time buyer condition.
Exception: shared ownership.
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
C'est à l'emprunteur d'en apporter la preuve. Des exceptions existent ; elles sont listées par le même texte.
- En vigueur depuis le
- Source
- Article D. 31-10-4 du code de la construction et de l’habitation — Légifrance
Sold recently? A few weeks' difference on the offer is decisive: include the suspensive condition in the preliminary sale agreement.
What documents to prepare for a PTZ?
| What must be proven | The documents usually requested |
|---|---|
| Your income for the reference year | Tax notices for all persons intended to occupy the dwelling, for the year specified in the text |
| The absence of ownership of your main residence | Tenancy agreement and rent receipts for the period, or a proof of accommodation accompanied by the host's supporting documents, and a sworn statement |
| The composition of the household | Family record book and identity documents for each occupant |
| The nature and cost of the transaction | Reservation agreement or preliminary sale agreement, and, where applicable, construction contract, work quotes, descriptive notice |
| The location of the dwelling | The exact address of the property: it is the municipality that determines the classification, not the district |
The rest: the documents for the loan application and the documents to gather. Being eligible does not mean being financeable: the PTZ assesses your old tax income, the bank your current income.
The right time, step by step
- Before the viewings: check your eligibility on your tax notices.
- Before the purchase offer: type, municipality and, in the case of existing property, works. See the municipalities around Lyon.
- At the preliminary sale agreement: include the PTZ in the funding plan.
- At submission: PTZ and main loan, same bank.
- At the offer: no fees on the PTZ line.
Un seul PTZ par opération ; aucun frais de dossier, frais d’expertise, intérêt ni intérêt intercalaire ne peut être perçu
Les frais de dossier du prêt principal restent dus : l'interdiction ne vise que le PTZ lui-même.
- En vigueur depuis le
- Source
- Article L. 31-10-2 du code de la construction et de l’habitation — Légifrance
After signing: keep your PTZ
1 an suivant la déclaration d’achèvement des travaux ou l’acquisition si postérieure ; porté à 6 ans lorsque le logement est destiné à être occupé à compter du départ à la retraite, à condition qu’il soit loué dans l’intervalle sous conditions de ressources, de loyer et de déclaration
Dans le neuf, le délai part de l'achèvement des travaux. Mettre le logement en location n'est possible que dans les cas prévus par le texte.
- En vigueur depuis le
- Source
- Article D. 31-10-6 du code de la construction et de l’habitation — Légifrance
Retain the entire file: the burden of proving your eligibility conditions lies with you. Resale or change in circumstances: the PTZ in Lyon.
Errors that cause you to lose a PTZ
- A simulator that ignores the year of income or the municipality.
- An occupant who is omitted, or counted incorrectly.
- A preliminary sale agreement that does not include the PTZ in the financing plan.
- A loan offer that slips past a decisive date.
- A lender chosen before knowing whether it distributes the PTZ.
Sandy MASCART, an intermediary in banking operations acting under mandate, determines your tranche and gathers your supporting documents before submission; the lender makes the decision. The fees.
Does your project fall within the scheme? Create your file or have your eligibility checked by telephone.
Sources
- Légifrance — /codes/section_lc/LEGITEXT000006074096/LEGISCTA000023361850/
- Article L. 31-10-2 du code de la construction et de l’habitation — Légifrance
- Légifrance — Article D. 31-10-4 du code de la construction et de l’habitation
- Légifrance — /loda/id/JORFTEXT000029337646/
- Article L. 31-10-8 du code de la construction et de l’habitation — Service-Public.fr
Read next
- Mortgage in Lyon: one file, several banks
- PTZ 2026 in Lyon: what you can actually finance in Zone A In Lyon, the PTZ finances new-build properties, not existing ones. Retained income, basis, proportion, deferral: what you can actually finance in Zone A.
- Does the PTZ count towards your debt-to-income ratio? Can it be used as a down payment? Yes, the PTZ counts in your debt-to-income ratio from the end of the deferral; no, it does not replace a down payment. What the lender calculates.
- 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.
- Mortgage application: the exact list of documents to provide The documents required by profile, the order that avoids a three-week delay, and what the bank really reads in your last three bank statements.
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