Calculate your eligibility and maximum entitlement for the French 0% interest government-backed mortgage (PTZ 2026) based on zoning, income brackets, and household composition.
Reference tax income from tax notice N-2.
\text{Montant PTZ} = \min(\text{Coût Projet}, \text{Plafond d'Opération}) \times \text{Quotité (50\%, 40\%, 20\%)}The PTZ is a French interest-free government loan for first-time buyers. It is calculated by applying a percentage share (quotité) up to a statutory ceiling based on geographical zone and household size. Modest households qualify for 50% financing and up to 15 years of repayment deferral.
Toutes les simulations, calculs de salaire, impôts et projections affichés sur cette page sont fournis à titre strictement informatif et pédagogique. Ils ne constituent en aucun cas un conseil en investissement, juridique, fiscal ou patrimonial. Les barèmes réels, cotisations sociales et conditions bancaires peuvent varier selon la situation individuelle. Calconova décline toute responsabilité quant aux décisions prises sur la base de ces calculs. Veuillez consulter un expert-comptable ou un conseiller financier agréé avant tout engagement financier.
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