Since April 1, 2025, the Zero Interest Loan (PTZ) has experienced a major overhaul : it now covers all new housing throughout France, without restriction of geographical areas. But it is an additional development, included in the finance law for 2026, which could change the situation for a particular profile of buyers: those who wish to acquire a property under a real joint lease (BRS).
Until now, only the first buyer of a home under this status could mobilize the interest-free loan. From now on, successive buyers (i.e. those who buy a property already occupied in BRS) are also entitled to it. A measure adopted by amendment at the end of October 2025 (Amendment No. I-3547), despite the unfavorable opinion of the government, and which aims to streamline a resale market which was at risk of blocking. To understand who can benefit from it, we still need to understand how this little-known system works.
The real solidarity lease: a powerful lever to buy cheaper
The BRS is based on a simple principle: dissociate ownership of the building from that of the land. The buyer acquires the walls of the accommodation, while the land remains the property of a Solidarity Land Organization (OFS). In return, he pays a modest fee for occupying the land, often less than 100 euros per month. The purchase price can thus be reduced by 20 to 50% compared to the free market, depending on the city. In Paris, Lyon or Bordeaux, where prices per square meter reach peaks, the saving can represent several tens of thousands of euros.
The system also combines other significant tax advantages: VAT reduced to 5.5% (compared to 20% in classic new homes), reduced notary fees, and in certain communities, an exempt or greatly reduced property tax. The lease is signed for 80 to 99 yearswhich guarantees solid legal stability for the buyer and his family. In the event of resale, the price remains regulated by the OFS, which also has a right of pre-emption: a constraint, certainly, but which preserves the affordable nature of the property for subsequent generations. As of January 1, 2025, there were 188 OFS approvals issued on the national territory, a figure that is constantly increasing.
What are the conditions to actually benefit from it?
To combine PTZ and BRS, the eligibility conditions are those of the classic zero-rate loan. You must first be a first-time buyer in the tax sense of the term: not have owned your main residence during the two years preceding the application. This rule knows some exceptionsparticularly in the event of serious disability or a natural disaster having made the accommodation uninhabitable.
The income taken into account is that of the reference tax income of year N-2, i.e. the 2024 tax notice for a request filed in 2026.
The resource ceilings have also been increased by 8 to 13% depending on the area as part of the 2026 budget. Households who exceeded the eligibility threshold by a few hundred euros last year can now claim the scheme. Thus, for a single person, the ceiling varies between 24,000 euros in zone C and 37,000 euros in zone A.
The amount of the PTZ can reach up to 50% of the cost of the operation in a tight area for an apartment, with an operating ceiling revised upwards: it now ranges from 99,000 euros to 195,000 euros depending on the composition of the household and the geographical area. The PTZ never covers the entire purchase: it complements a traditional real estate loan or a social accession loan (PAS).
What you need to know to be eligible for PTZ in BRS
- Not having owned your main residence in the last two years
- Respect resource limits calculated on the reference tax income N-2 (2024 for a request in 2026)
- Not owning any other property suited to your needs or likely to generate rental income
- Occupy the accommodation as your main residence for at least 8 months per year
- Submit the request to a bank contracted with the State
How to prepare your file and check your eligibility?
To prepare their file, the buyer must provide their identity documents, their tax notice, a sworn certificate confirming their first-time buyer status, as well as documents relating to their real estate project. If you are a tenant, the last two rent receipts and the rental contract will also be requested. The request is submitted directly to a bank that has signed an agreement with the State. The PTZ remains in force until December 31, 2027which gives time to refine your project.
To check your eligibility, you can use the official ANIL (National Agency for Housing Information) simulator or contact the ADIL in your department, whose consultation is free. The BoRiS platform also lists all BRS operations available in the territory. If you want to go further, it can also be useful to consult a real estate loan brokerwhich will be able to put together a global financing plan by combining the various aids available.
