A bill must soon be examined in the National Assembly, aiming to create a zero-interest loan intended specifically for families.
When you become a parent, the problem arises almost systematically: you will have to move, or enlarge the house when possible, to be able to accommodate this little being who completes the family. Whether it’s a first baby or a growing family, the question of housing is a barrier for many French people who are considering having a child: according to an Odoxa study published in early 2026, one in five young people give up parenthood for this reason. It must be said that with real estate prices and the growing tension between supply and demand on the market, not to mention the “inevitable increase” interest rates which are expected according to economists, access to property is an increasingly unattainable dream for many French people, and in particular young parents.
To help families, but also to try to “relaunch the birth rate”an MP proposes a solution: allow parents to take out a zero-interest loan (PTZ), for an amount of up to 100,000 euros, to buy or enlarge their home when a child arrives. This bill, tabled by Constance de Pélichy (Liot du Loiret MP) was initially adopted by the finance committee of the National Assembly, then will have to be examined in public session in the fall of 2026. But who will be able to obtain this boost? What are the conditions for access? What are its limits?
The text provides that this special zero-rate family loan is accessible “without income conditions”. All parents could therefore be entitled to it, regardless of their financial situation, “from the moment the pregnancy is declared until the child is five years old”. However, some subtleties are planned: it will only be able to finance part of the purchase or work, between 20 and 50% of the total cost, and will not be able to “exceed the amount of the other loan(s), with a duration of at least two years, contributing to the financing of the same operation”.
Concretely, for a couple who wishes to buy a house for 200,000 euros for example, the loan amount must be between 40,000 euros (the minimum of 20%) and 100,000 euros (the maximum of 50%). If they finance the rest with a second loan, this must be of 100,000 euros maximum. On the other hand, if their traditional bank loan is only 80,000 euros, this special PTZ will automatically be capped at 80,000 euros as well.
Furthermore, this PTZ intended for families would be distinct from the already existing PTZ for first-time buyers – which could be “mobilized in addition for the financing of the same operation”, the same as for eco-PTZ – but “would deviate from the provisions applicable to the PTZ for first-time buyers”except one: the accommodation must be the main residence, and cannot be rented out for six years following payment of the loan. The precise parameters will be set by decree in the Council of State, if the law were to be definitively adopted. In the meantime, this proposal appears to be a glimmer of hope, a boost that would allow future and young parents to concentrate on the essential: welcoming their child into a cozy nest, without the anxiety of the real estate budget.
