{"id":31535,"date":"2025-05-14T09:50:02","date_gmt":"2025-05-14T07:50:02","guid":{"rendered":"https:\/\/www.bretagne-proprietes.fr\/buying-a-house-in-brittany-whats-changing-for-the-ptz\/"},"modified":"2026-09-02T14:42:24","modified_gmt":"2026-09-02T12:42:24","slug":"buying-a-house-in-brittany-whats-changing-for-the-ptz","status":"publish","type":"post","link":"https:\/\/www.bretagne-proprietes.fr\/en\/buying-a-house-in-brittany-whats-changing-for-the-ptz\/","title":{"rendered":"Buying a House in Brittany: What’s Changing for the PTZ"},"content":{"rendered":"\t\t
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The PTZ, or zero-rate loan, is a measure designed to help households buy a house in Brittany<\/strong> by granting them a loan with no interest or fees, in addition to another financing arrangement.<\/p>

Initially, the PTZ was due to end in December 2017, but the government decided to extend it for 4 years, while modifying its eligibility conditions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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The Same Principle, but Refocused on High-Demand Areas<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\tIndeed, the main condition for extending the scheme to buy a house is that it is now only fully accessible in so-called high-demand areas, i.e. those where housing demand far exceeds supply and market prices are higher. Administratively, these are zones A, A bis and B1.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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What About Other Areas?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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While the original plan was to discontinue the PTZ for zones B2 and C, a two-year extension was ultimately decided. Therefore, households can still benefit from financing assistance to buy a house until December 2019.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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The New PTZ Limits<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Zones A, A bis and B1 continue to benefit from a maximum amount that can be financed through the PTZ of 40% of the total investment amount, excluding notary fees. However, for other zones, B2 and C, the assistance drops to a maximum of 20%. In addition to these percentages, there are maximum amounts that can be financed, depending on the household composition and income. This can be very useful for buying a house.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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The Question of Investing in Existing Properties<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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The PTZ is now primarily intended to encourage investment in new properties, where it makes most sense in high-demand areas. While investing in existing properties with part financed by the PTZ is now impossible in zones A, A Bis and B1, it remains possible to benefit from it in zones B2 and C, provided that the amount of planned works corresponds to 25% of the operation cost.<\/p>

The financing remains at 40%, capped in amount depending on household composition. Therefore, it has never been easier to buy a house.<\/p>

Buy a house and benefit from a zero-rate loan? It is possible. Visit one of the 4 BPS Immobilier agencies to discover the various offers which, we are certain, will meet all your criteria.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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To find out more:<\/strong>Review of the Brittany property market in 2018<\/a>Guide to council tax for a second home<\/a>5 misconceptions about second homes<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

If you wish to buy a house, it is important to be aware of changes to the zero-rate loan.<\/p>\n","protected":false},"author":2,"featured_media":8740,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-31535","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-categorise"],"yoast_head":"\nBuying a House in Brittany: What's Changing for the PTZ - Bretagne Propri\u00e9t\u00e9s Services - BPS IMMOBILIER<\/title>\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.bretagne-proprietes.fr\/en\/buying-a-house-in-brittany-whats-changing-for-the-ptz\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Buying a House in Brittany: What's Changing for the PTZ - 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