Zero-Interest Loan (PTZ): Conditions 2026
The French zero-interest loan (PTZ) finances a first home purchase without interest, subject to income, zoning and property type conditions.

The French zero-interest loan (PTZ) finances a first home purchase without interest, subject to income, zoning and property type conditions.

French mortgage loan rates 2026: complete breakdown for 10, 15, 20 and 25-year terms, best rates by profile and year-end forecasts.

Mortgage application fees 2026: legal cap, amounts per bank, negotiation room. Comparison of SG, BNP Paribas, Credit Agricole, LCL, Boursorama.

Usury rates applicable from April 1 to June 30, 2026. Caps by loan term, evolution and impact on borrowing capacity.

Analysis of French mortgage rates in 2026: trends, impact on borrowing capacity and strategies for buyers.

Mortgage refinancing in 2026: profitability thresholds, fees to anticipate and method to calculate your real gain.