In 2026, more than 25% of first-time buyers will benefit from this assistance, but to find out how much you will receive, it is essential to run a new purchase simulation with PTZ. To reduce the overall cost of their real estate project, the zero-interest loan (PTZ) is a valuable aid for first-time buyers, allowing them to finance part of the purchase of a new home without interest. But the question arises: how do you calculate the amount of the PTZ and, above all, how do you know if you are eligible? Do your reference taxable income or geographical area influence the amount of the loan? This article will answer all these questions by guiding you step by step through the process of simulating your zero-interest loan. You will also discover the eligibility criteria, the various parameters to take into account, and strategies for maximizing this assistance. A well-thought-out investment begins with an accurate simulation of the PTZ, which is essential for determining your financing capacity.

 

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