Discover Spirit Residential Real Estate Real estate business Asset / Property management References Advantages of new Recruitment Contact Home »Benefits» PTZ + PTZ + What is PTZ +? The PTZ + or “Reinforced zero rate loan” is a home ownership assistance system reserved for buyers of a primary residence on a first-time basis. This repayable loan without loan interest and without administrative fees limits the cost of your credit and reduces your monthly payments by making it possible to finance part of your acquisition at a rate of 0% interest. The amount of the PTZ + depends on your resources, the composition of your household, the energy performance of the home you want to buy as well as its geographical location. The PTZ + is obtained from banking establishments that have signed an agreement with the State. Article 59 of the 2015 finance law extends the PTZ until December 31, 2017 and makes certain relaxations: removal of the energy performance condition; easing of purchasing conditions in the social housing; extension to the purchase of old housing to be rehabilitated in rural areas, in the 6,000 municipalities concerned by the rural PTZ, listed on the website of the Ministry of Housing. Resource limits applicable from 2016 PERCENTAGE APPLICABLE TO THE PRICE OF THE PROPERTY FOR THE CALCULATION OF THE PTZ + PTZ + ZONING Classification of municipalities by zone applicable to certain housing assistance (non-exhaustive list, given by way of illustration) spirit.net The Spirit Group Presentation Our values Spirit France Spirit USA Spirit Spain Residential Real Estate Business discovery Our programs Our references Business real estate Business discovery Our business parks Your key in hand Our references Asset management Business discovery Spirit Reim presentation Values and know-how Advantages of new BBC label PTZ + VAT Pinel device Censi-Bouvard Law Recruitment Our jobs Job offers Cookie widget © spirit 2012 Contact Legal Notice We are recruiting Group brochure Activity report Large projects brochure Newspaper Keys in hand Activity parks Spirit REIM brochure Co-construct booklet Other paper s