{"id":107,"date":"2025-03-26T06:00:00","date_gmt":"2025-03-26T04:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2020\/07\/24\/le-pret-a-taux-zero-ou-ptz\/"},"modified":"2026-02-24T10:08:43","modified_gmt":"2026-02-24T08:08:43","slug":"pret-a-taux-zero-ptz","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/pret-a-taux-zero-ptz\/","title":{"rendered":"Le Pr\u00eat \u00e0 Taux Z\u00e9ro (PTZ), comment \u00e7a marche ?"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">A partir du 1er avril 2025 et jusqu'au 31 d\u00e9cembre 2027, le PTZ est \u00e9largi \u00e0 tous les logements neufs, appartement comme maison.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Qu'est-ce que le PTZ ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le pr\u00eat \u00e0 taux z\u00e9ro est un <strong>pr\u00eat sans int\u00e9r\u00eat<\/strong>, accord\u00e9 sous conditions de ressources. Il s'adresse aux personnes non propri\u00e9taires depuis au moins 2 ans.Aucun int\u00e9r\u00eat ni frais de dossier n'est donc per\u00e7u car ils sont pris en charge par l'Etat. Vous devrez cependant payer votre assurance emprunteur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il s'agit d'un pr\u00eat compl\u00e9mentaire pour financer une op\u00e9ration immobili\u00e8re sur sa<strong> r\u00e9sidence principale<\/strong>. Il vient toujours compl\u00e9ter un autre pr\u00eat immobilier, <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-pret-epargne-logement\/\" target=\"_blank\" rel=\"noreferrer noopener\">pr\u00eat \u00e9pargne logement <\/a>ou pr\u00eat accession sociale par exemple...<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A compter du 1er avril 2024, la r\u00e9forme du PTZ est mise en \u0153uvre pour l'ouvrir \u00e0 davantage de m\u00e9nages. Elle&nbsp;inclut un montant de pr\u00eat plus \u00e9lev\u00e9, des plafonds de ressources r\u00e9hauss\u00e9s et des nouvelles dur\u00e9es de remboursement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Qui peut b\u00e9n\u00e9ficier d'un PTZ ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour \u00eatre \u00e9ligible au <strong>PTZ<\/strong>, vous devez en effet remplir certaines conditions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1 - Vous ne devez<strong> pas avoir \u00e9t\u00e9<\/strong> <strong>propri\u00e9taire de votre r\u00e9sidence principale au cours des<\/strong> <strong>2 derni\u00e8res ann\u00e9es<\/strong>. Des exceptions sont cependant pr\u00e9vues pour :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>le titulaire d'une carte d'invalidit\u00e9 (2\u00e8me ou 3\u00e8me cat\u00e9gorie) ;<\/li><li>le b\u00e9n\u00e9ficiaire de l'allocation adulte handicap\u00e9 (AAH) ou de l'allocation d'\u00e9ducation sp\u00e9ciale (AES) ;<\/li><li>la victime d'une catastrophe naturelle rendant inhabitable son logement.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">2 - Vous devez justifier \u00e0 la date de l'offre de pr\u00eat, de<strong> ressources N-2 d'un montant inf\u00e9rieur \u00e0 un plafond<\/strong>. Fix\u00e9 par d\u00e9cret, ce&nbsp;<strong>plafond de ressources varie de 28 500 \u00e0 161 700 \u20ac<\/strong> (contre 24 000 \u00e0 118 400 \u20ac avant le 1er avril 2024) en fonction de la localisation du logement (zonage) et la composition du m\u00e9nage.<\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">Pratique : vous pouvez v\u00e9rifier votre \u00e9ligibilit\u00e9 \u00e0 l'aide d'un <a href=\"https:\/\/www.anil.org\/outils\/outils-de-calcul\/votre-pret-a-taux-zero\/\" target=\"_blank\" rel=\"noreferrer noopener\">calculateur<\/a> et d'un <a href=\"https:\/\/www.service-public.fr\/simulateur\/calcul\/zonage-abc\" target=\"_blank\" rel=\"noreferrer noopener\">simulateur de zonage<\/a>. Vous devrez renseigner votre revenu fiscal de r\u00e9f\u00e9rence qui figure sur votre avis d'imposition.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3 - Vous devez <strong>affecter <\/strong>le logement financ\u00e9<strong> \u00e0 la<\/strong> <strong>r\u00e9sidence principale<\/strong> dans le d\u00e9lai d'1 an. Ce d\u00e9lai peut \u00eatre port\u00e9 \u00e0 6 ans lorsque le logement est destin\u00e9 \u00e0 \u00eatre occup\u00e9 par le b\u00e9n\u00e9ficiaire du pr\u00eat d\u00e8s sa retraite.<\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">Par d\u00e9rogation, vous pouvez n\u00e9anmoins le mettre en location si vous devez changer de r\u00e9sidence principale pour des raisons professionnelles (mutation, ch\u00f4mage\u2026) ou familiales (divorce, invalidit\u00e9\u2026).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Peut-on vendre un logement financ\u00e9 par un PTZ ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous avez obtenu un PTZ et que vous vendez votre logement, vous devez rembourser le capital restant d\u00fb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si la vente vise \u00e0 acheter ou construire une nouvelle <strong>r\u00e9sidence principale<\/strong>, vous pouvez&nbsp;demander le <a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F22110\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>transfert de votre PTZ<\/strong><\/a><strong>.<\/strong> Il ne concerne que le capital restant d\u00fb. Si la vente intervient avant les 6 ans du versement du pr\u00eat, votre nouvelle r\u00e9sidence principale doit respecter les conditions d'attribution du PTZ.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La banque peut toujours refuser le transfert de PTZ si vos <strong>capacit\u00e9s de remboursement <\/strong>ne sont pas suffisantes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Que peut financer un pr\u00eat \u00e0 taux z\u00e9ro ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les modalit\u00e9s d'\u00e9ligibilit\u00e9 au PTZ d\u00e9pendent d'abord des zones g\u00e9ographiques. Vous trouverez ici un outil pour r\u00e9aliser une <a href=\"https:\/\/www.service-public.fr\/simulateur\/calcul\/zonage-abc\" target=\"_blank\" rel=\"noreferrer noopener\">simulation de PTZ<\/a> permettant de d\u00e9terminer la zone o\u00f9 se situe votre bien.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le PTZ permet alors de financer de nombreuses op\u00e9rations concernant votre r\u00e9sidence principale qu'il s'agisse d'un logement neuf ou d'un logement ancien. Ainsi, il peut concerner un :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>logement neuf<\/strong>, achat ou <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/financer-une-construction\/\" target=\"_blank\" rel=\"noreferrer noopener\">construction<\/a>, dans tous les cas \u00e0 partir du 1er avril 2025 (pas seulement s'il est localis\u00e9 dans un b\u00e2timent d'habitation collectif et dans une zone g\u00e9ographique tendue), que ce soit ou non dans le cadre d\u2019une location-accession, d\u2019un bail r\u00e9el solidaire ou d\u2019un contrat d\u2019accession \u00e0 la propri\u00e9t\u00e9&nbsp;;<\/li><li><strong>logement ancien <\/strong>pour financer des travaux : &nbsp;ceux-ci doivent alors correspondre \u00e0 25% du co\u00fbt total de l'op\u00e9ration et apporter un niveau minimal de performance \u00e9nerg\u00e9tique, <strong>en zone d\u00e9tendue<\/strong> (zones B2 et C).&nbsp;<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un bien est consid\u00e9r\u00e9 comme ancien s'il a \u00e9t\u00e9 achev\u00e9 depuis plus de 5 ans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En 2024, des centaines de communes ont \u00e9t\u00e9 reclass\u00e9es en zone tendue avec une&nbsp;<a href=\"https:\/\/www.economie.gouv.fr\/files\/files\/2023\/Annexe%20-%20Liste%20reclassement%20flash%20zonage%20ABC.pdf?v=1697645824\" target=\"_blank\" rel=\"noreferrer noopener\">nouvelle grille<\/a> et b\u00e9n\u00e9ficient ainsi du PTZ. Les locataires souhaitant acheter leur logement social (\u00ab PTZ vente HLM \u00bb) b\u00e9n\u00e9ficient aujourd\u2019hui d\u2019un PTZ \u00e0 hauteur de 20% (contre 10% avant le 1er avril 2024). <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment obtenir un pr\u00eat \u00e0 taux z\u00e9ro pour travaux ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour pouvoir recourir \u00e0 un PTZ, les travaux sur un bien ancien doivent permettre au logement d'atteindre une<strong> performance \u00e9nerg\u00e9tique minimale<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous devrez ainsi pr\u00e9senter un diagnostic de performance \u00e9nerg\u00e9tique (DPE) ou une \u00e9valuation \u00e9nerg\u00e9tique, s'appuyant sur la m\u00e9thode de calcul du DPE.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par ailleurs, le bien ancien doit se situer en zone d\u00e9tendue c'est-\u00e0-dire en <strong>zone B2<\/strong> ou <strong>zone C<\/strong>. Un tableau de r\u00e9f\u00e9rence classe en effet les communes en diff\u00e9rentes zones.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le PTZ est cumulable avec <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/ma-prime-renov\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ma Prime R\u00e9nov<\/a>' pour financer une r\u00e9novation d'ampleur (d\u00e9cret mars 2025).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le PTZ peut financer <strong>en partie<\/strong> la transformation d'un local en logement (avec ou sans son achat). Il peut \u00e9galement financer la construction simultan\u00e9e ou l'achat simultan\u00e9 de d\u00e9pendances (garage, place de parking...).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-cdb-dark-cyan-background-color has-text-color has-background wp-block-paragraph\" style=\"color:#ffffff\">Attention&nbsp;: face \u00e0 un afflux des demandes et pour garantir un dispositif fiable et de qualit\u00e9, le d\u00e9p\u00f4t de nouveaux dossiers MaPrimeR\u00e9nov' (r\u00e9novation \u00e9nerg\u00e9tique d'ampleur et r\u00e9novation \u00e9nerg\u00e9tique par geste) sera ferm\u00e9 temporairement \u00e0 compter du 1er juillet 2025. Les dossiers, complets et de qualit\u00e9, d\u00e9pos\u00e9s avant le 1<sup>er<\/sup> juillet 2025 pourront donc \u00eatre instruits. MaPrimeAdapt', MaPrimeR\u00e9nov Copropri\u00e9t\u00e9 et MaPrimeLogementD\u00e9cent ne sont pas suspendus.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quel montant et quelle dur\u00e9e pour un PTZ ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le PTZ est g\u00e9n\u00e9ralement assimil\u00e9 \u00e0 un apport personnel. Sa charge de remboursement est cependant prise en compte pour le calcul de votre taux d\u2019endettement. Et il est donc <strong>cumulable avec tout autre pr\u00eat<\/strong>, sous r\u00e9serve des conditions d'obtention propres \u00e0 chaque pr\u00eat : <strong>pr\u00eat d'\u00e9pargne logement<\/strong>, <strong>pr\u00eat PAS<\/strong>, etc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous n'avez <strong>pas d'int\u00e9r\u00eats<\/strong> ou d'int\u00e9r\u00eats intercalaires \u00e0 payer ni frais de dossier ni frais d'expertise.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le montant du PTZ est aussi d\u00e9termin\u00e9 en appliquant un pourcentage au co\u00fbt de l'op\u00e9ration, appel\u00e9 \"quotit\u00e9\" :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>le montant maximum de l'op\u00e9ration, pris en compte, d\u00e9pend de la localisation du logement et du nombre de personnes devant l'occuper. Il est compris entre <strong>100 000 \u20ac et 360 000 \u20ac<\/strong>.<\/li><li>la quotit\u00e9 varie en fonction de la localisation du logement, du nombre de personnes devant l'occuper et des ressources du m\u00e9nage (nouvelles tranches de revenus). Cette <strong>quotit\u00e9 <\/strong>peut varier <strong>de 20 \u00e0 50%<\/strong> pour les foyers les plus modestes.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">La <strong>dur\u00e9e totale du pr\u00eat<\/strong> d\u00e9pend aussi des ressources du m\u00e9nage. Au <strong>maximum de 25 ans<\/strong>, elle se compose de 1 ou de 2 p\u00e9riodes de remboursement cumul\u00e9es ainsi :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>diff\u00e9r\u00e9<\/strong> de remboursement (de 2, 8 ou 10 ans),<\/li><li><strong>remboursement <\/strong>(entre 10 et 15 ans).<\/li><\/ul>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">A savoir : dans certains cas (force majeure, maladie, accident, etc.), vous pouvez solliciter, avec justificatifs \u00e0 l'appui, un allongement du d\u00e9lai de r\u00e9alisation des travaux.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quelles banques accordent le pr\u00eat \u00e0 taux z\u00e9ro ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La liste des \u00e9tablissements o\u00f9 le PTZ est distribu\u00e9 est disponible <a href=\"https:\/\/www2.sgfgas.fr\/web\/site-public\/etablissements-affilies\" target=\"_blank\" rel=\"noreferrer noopener\">ici<\/a>. Il s'agit de banques ayant sign\u00e9 la convention avec l'Etat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00eame si vous \u00eates \u00e9ligible, il n'existe pas de droit au pr\u00eat. Comme pour tout cr\u00e9dit, la banque appr\u00e9ciera donc votre&nbsp;<strong>solvabilit\u00e9 <\/strong>et les <strong>garanties <\/strong>que vous pr\u00e9sentez. Elle n'a pas l'obligation d'accorder le pr\u00eat \u00e0 taux z\u00e9ro.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \"Le Pr\u00eat \u00e0 Taux Z\u00e9ro (PTZ), comment \u00e7a marche ?\" : <\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F10871\" target=\"_blank\">Pr\u00eat \u00e0 taux z\u00e9ro (PTZ) sur le site service-public.f<\/a>r, le site <a rel=\"noreferrer noopener\" href=\"https:\/\/www.economie.gouv.fr\/particuliers\/PTZ-pret-taux-zero\" target=\"_blank\">economie.gouv.fr<\/a> et <a rel=\"noreferrer noopener\" href=\"https:\/\/www.economie.gouv.fr\/cedef\/ptz-pret-a-taux-zero\" target=\"_blank\">Qu'est-ce que le pr\u00eat \u00e0 taux z\u00e9ro ?<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.legifrance.gouv.fr\/codes\/section_lc\/LEGITEXT000006074096\/LEGISCTA000023356553?etatTexte=VIGUEUR&amp;etatTexte=VIGUEUR_DIFF#LEGISCTA000023356558\" target=\"_blank\">L\u00e9gifrance art L31-10-1 \u00e0 L31-10-14 c. construction habitation<\/a> et <a rel=\"noreferrer noopener\" href=\"https:\/\/www.legifrance.gouv.fr\/codes\/section_lc\/LEGITEXT000006074096\/LEGISCTA000023361846\/#LEGISCTA000023361846\" target=\"_blank\">art. D31-10-1 \u00e0 D31-10-12<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.legifrance.gouv.fr\/jorf\/id\/JORFTEXT000050731018\" target=\"_blank\">L\u00e9gifrance - Arr\u00eat\u00e9 du 3 d\u00e9cembre 2024 permettant d'allonger le d\u00e9lai de r\u00e9alisation des travaux<\/a><\/li><li><a href=\"https:\/\/www.anah.gouv.fr\/actualites\/maprimerenov-un-nouveau-decret-permet-d-ameliorer-le-financement-de-la-renovation\" target=\"_blank\" rel=\"noreferrer noopener\">D\u00e9cret de mars 2025 cumul du PTZ avec MaPrimeRenov<\/a><\/li><\/ul>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path 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  <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Le choix d&#039;un cr\u00e9dit adapt\u00e9 au...<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Projet immobilier : \u00e9tablir un plan de financement<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>A partir du 1er avril 2025 et jusqu'au 31 d\u00e9cembre 2027, le PTZ est \u00e9largi \u00e0 tous les logements neufs, appartement comme maison. Qu'est-ce que le PTZ ? Le pr\u00eat \u00e0 taux z\u00e9ro est un pr\u00eat sans int\u00e9r\u00eat, accord\u00e9 sous conditions de ressources. Il s'adresse aux personnes non propri\u00e9taires depuis au moins 2 ans.Aucun int\u00e9r\u00eat [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":5492,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":314,"views":27986,"viewed_at":"1778493365","newsletter":"0","_yoast_wpseo_primary_category":361,"footnotes":""},"categories":[361,353,46,47,277,270,356,357],"tags":[],"class_list":["post-107","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jachete-un-bien","category-jai-des-projets","category-le-credit-immobilier","category-les-differents-types-de-credit-immobilier","category-mes-credits","category-mes-moments-de-vie","category-mon-bien-immobilier","category-travaux-et-renovation"],"yoast_head":"<title>Le Pr\u00eat \u00e0 Taux Z\u00e9ro (PTZ), comment \u00e7a marche ? - J&#039;ach\u00e8te un bien - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"A partir du 1er avril 2025 et jusqu&#039;au 31 d\u00e9cembre 2027, le PTZ est \u00e9largi \u00e0 tous les logements neufs, appartement comme maison.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/pret-a-taux-zero-ptz\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le Pr\u00eat \u00e0 Taux Z\u00e9ro (PTZ), comment \u00e7a marche ? 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