The zero rate loan is free:

it is an interest-free loan. Its total duration is 20, 22 or 25 years.

It consists of a deferred period of 5 to 15 years, during which the household does not pay any monthly payment. on his PTZ.

It allows households  the most modest to have a low monthly payment at the beginning of credit and, either  save  for  repay the PTZ in advance, or resell before setting up the PTZ monthly payment.

The bank can also offer to smooth the monthly payment throughout the loan, this solution will have a cost, the interest rate will apply on the smoothed part.

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For example:

The zero rate loan is a complementary loan:

It is used to finance  part of your purchase, it comes in addition to the principal loan as well as the other complementary loans.

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The zero rate loan is granted according to your income:

To benefit from the zero-interest loan, he does not  must not exceed an income ceiling, defined according to your tax income N-2 is currently the RFR 2019 on income for the year 2018, depending on the size of the current household as well as the location of the property (ZONE A Bis, Zone A, Zone B, Zone C)

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The zero rate loan is intended to buy your main residence ,  you can claim the PTZ if you have not owned your main residence for 2 years.

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