ptz

fr.calesvaut/calesvaut · Verify this server

What a first-time buyer's PTZ may be, by the rules of offers issued from 1 April 2025 to 31 December 2027 (service-public.fr, checked 15 September 2026): the commune's zone ABC (place, address, lat/lng, or zone), the household's size (persons) and revenu fiscal de référence of year N-2 (income), the operation's cost (cost: price and works, TTC) and the home (kind: new flat in a collective building, new house, an old home with works of at least 25 % of the cost in zone B2 or C, or a social home sold to its tenant): whether the income is under the zone's ceiling, the income counted (the higher of the RFR and the cost divided by 9), the income tranche (1 to 4), the share financed, the cost ceiling, the PTZ's amount, its deferral and repayment (tranche 1: 10 years deferred then 15 years; 2: 8 then 12; 3: 2 then 13; 4: 10 years without deferral) and its monthly payments. The buyer must not have owned their main home in the last 2 years (exceptions: disability, disaster, a home made uninhabitable).