{"id":18566,"date":"2016-08-02T17:24:40","date_gmt":"2016-08-02T16:24:40","guid":{"rendered":"http:\/\/reassurez-moi.fr\/guide\/?page_id=18566"},"modified":"2026-04-23T09:37:48","modified_gmt":"2026-04-23T07:37:48","slug":"pret-taux-zero","status":"publish","type":"page","link":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/pret-immobilier\/pret-taux-zero","title":{"rendered":"Comment fonctionne le Pr\u00eat \u00e0 Taux Z\u00e9ro (PTZ) en 2026 ?"},"content":{"rendered":"\n<p>Le Pr\u00eat \u00e0 Taux Z\u00e9ro (PTZ) facilite l&rsquo;achat immobilier sans int\u00e9r\u00eats. Il s&rsquo;adresse aux primo-acc\u00e9dants et n\u00e9cessite un financement compl\u00e9mentaire. D\u00e9couvrez les conditions d&rsquo;\u00e9ligibilit\u00e9 et les nouveaut\u00e9s.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-style-green-top-border is-layout-flow wp-block-column-is-layout-flow\">\n<p><strong>Ce qu&rsquo;il faut retenir<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le PTZ finance jusqu&rsquo;\u00e0 50 % d&rsquo;un appartement neuf.<\/li>\n\n\n\n<li>\u00c9ligibilit\u00e9 bas\u00e9e sur les revenus et le statut de primo-acc\u00e9dant.<\/li>\n\n\n\n<li>Accessible partout en France, sans restriction de zonage.<\/li>\n\n\n\n<li>Il est compl\u00e9mentaire \u00e0 d&rsquo;autres financements immobiliers.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-rm-button-orange\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\">Simuler mon pr\u00eat<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"qu-est-ce-que-le-pret-a-taux-zero\">Qu\u2019est-ce que le Pr\u00eat \u00e0 Taux Z\u00e9ro (PTZ) ?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>D\u00e9finition du PTZ<\/strong><\/h3>\n\n\n\n<p>Le Pr\u00eat \u00e0 Taux Z\u00e9ro (PTZ) est un pr\u00eat immobilier accord\u00e9 sans int\u00e9r\u00eats ni frais de dossier pour aider les m\u00e9nages \u00e0 devenir propri\u00e9taires. Destin\u00e9 aux <strong><a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/primo-accedants\">primo-acc\u00e9dants<\/a><\/strong>, il permet de financer une partie de l\u2019achat d\u2019un <strong>logement neuf<\/strong> ou, sous certaines conditions, d\u2019un <strong>logement ancien<\/strong>. Toutefois, le PTZ ne couvre pas l\u2019int\u00e9gralit\u00e9 du prix du bien et doit \u00eatre compl\u00e9t\u00e9 par un autre financement (pr\u00eat bancaire, pr\u00eat \u00e9pargne logement, etc.).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Qui peut b\u00e9n\u00e9ficier du PTZ en 2026 ?<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-right\">\n<li><strong>Conditions de ressources<\/strong> : L\u2019acc\u00e8s au PTZ 2026 est soumis \u00e0 des plafonds de revenus, qui varient selon le nombre d\u2019occupants et la localisation du bien. Plus les revenus sont modestes, plus la part du PTZ dans le financement peut \u00eatre \u00e9lev\u00e9e, allant jusqu\u2019\u00e0 50 % du montant de l\u2019op\u00e9ration pour un appartement neuf.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-right\">\n<li><strong>Statut de primo-acc\u00e9dant<\/strong> : Pour \u00eatre \u00e9ligible, l\u2019emprunteur ne doit pas avoir \u00e9t\u00e9 propri\u00e9taire de sa r\u00e9sidence principale au cours des deux ann\u00e9es pr\u00e9c\u00e9dant la demande de pr\u00eat.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-right\">\n<li><strong>Exceptions (<a href=\"https:\/\/reassurez-moi.fr\/guide\/pret-immobilier\/emprunteur\/handicap\">handicap<\/a>, catastrophe naturelle\u2026)<\/strong> : Certaines situations permettent d\u2019acc\u00e9der au PTZ sans \u00eatre primo-acc\u00e9dant, notamment si l\u2019emprunteur ou un membre du foyer est titulaire d\u2019une carte d\u2019invalidit\u00e9 ou d\u2019une carte mobilit\u00e9 inclusion (CMI) mention \u00ab invalidit\u00e9 \u00bb, per\u00e7oit l\u2019allocation adulte handicap\u00e9 (AAH) ou l\u2019allocation d\u2019\u00e9ducation d\u2019un enfant handicap\u00e9, ou bien a perdu son logement principal \u00e0 la suite d\u2019une catastrophe naturelle ou technologique.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Quels types de biens sont \u00e9ligibles au PTZ 2026 ?<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list is-style-pros-2\">\n<li><strong>Logements neufs (appartements et maisons individuelles)<\/strong> : Depuis le 1er avril 2025, le PTZ s\u2019applique \u00e0 tous les logements neufs, qu\u2019il s\u2019agisse d\u2019appartements <strong>en immeuble collectif ou de maisons individuelles<\/strong>. De plus, il n\u2019y a plus de restriction li\u00e9e au zonage g\u00e9ographique.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list is-style-pros-2\">\n<li><strong>Logements anciens sous conditions de travaux <\/strong>: Le PTZ ancien reste disponible dans certaines zones, \u00e0 condition que l\u2019acqu\u00e9reur r\u00e9alise des travaux de r\u00e9novation repr\u00e9sentant <strong>au moins 25 % du co\u00fbt total de l\u2019op\u00e9ration<\/strong>. Ces travaux doivent am\u00e9liorer la performance \u00e9nerg\u00e9tique du bien.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list is-style-pros-2\">\n<li><strong>Achat d\u2019un logement social<\/strong> : Les locataires de logements sociaux peuvent b\u00e9n\u00e9ficier du PTZ pour acheter le logement qu\u2019ils occupent sous certaines conditions, notamment de <strong>ressources<\/strong>.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-style-green-top-border is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\"><strong>\u00c9co PTZ 2026, quelles sp\u00e9cificit\u00e9s ?<\/strong><\/h3>\n\n\n\n<p>L\u2019\u00c9co Pr\u00eat \u00e0 Taux Z\u00e9ro (\u00c9co PTZ) est un dispositif permettant de <strong>financer des travaux de r\u00e9novation \u00e9nerg\u00e9tique<\/strong> sans payer d\u2019int\u00e9r\u00eats. Il s\u2019adresse aux propri\u00e9taires occupants et aux bailleurs, sous certaines conditions.<\/p>\n\n\n\n<p>Pour b\u00e9n\u00e9ficier d\u2019un <strong>\u00c9co PTZ<\/strong> en <strong>202<\/strong>6, les conditions suivantes doivent \u00eatre respect\u00e9es :<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-pros-2\">\n<li>L\u2019emprunteur doit fournir un <strong>formulaire \u00c9co PTZ<\/strong> d\u00e9taillant les travaux envisag\u00e9s.<\/li>\n\n\n\n<li>Le logement doit \u00eatre une <strong>r\u00e9sidence principale<\/strong> (occup\u00e9e ou lou\u00e9e comme telle).<\/li>\n\n\n\n<li>Il doit avoir \u00e9t\u00e9 construit <strong>avant le 1er janvier 1990<\/strong> pour certains travaux, ou <strong>avant le 1er janvier 2000<\/strong> pour d\u2019autres.<\/li>\n\n\n\n<li>Les travaux doivent \u00eatre r\u00e9alis\u00e9s par un <strong>artisan ou une entreprise RGE (Reconnu Garant de l\u2019Environnement)<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p>L\u2019\u00c9co PTZ 2026 permet de financer :<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-right\">\n<li><strong>L\u2019isolation thermique<\/strong> (murs, toitures, fen\u00eatres, planchers).<\/li>\n\n\n\n<li><strong>Le remplacement du syst\u00e8me de chauffage<\/strong> par un \u00e9quipement plus performant.<\/li>\n\n\n\n<li><strong>L\u2019installation d\u2019un syst\u00e8me de production d\u2019eau chaude sanitaire<\/strong> utilisant des \u00e9nergies renouvelables.<\/li>\n\n\n\n<li><strong>Un ensemble de travaux permettant un gain \u00e9nerg\u00e9tique d\u2019au moins 35 %<\/strong> (dans le cadre de la r\u00e9novation globale).<\/li>\n<\/ul>\n\n\n\n<p>Le montant de l\u2019\u00c9co PTZ 2025 varie selon les travaux engag\u00e9s :<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-pros\">\n<li>Jusqu\u2019\u00e0 <strong>15 000 \u20ac<\/strong> pour une seule action de r\u00e9novation.<\/li>\n\n\n\n<li>Jusqu\u2019\u00e0 <strong>25 000 \u20ac<\/strong> pour un <strong>bouquet de deux travaux<\/strong>.<\/li>\n\n\n\n<li>Jusqu\u2019\u00e0 <strong>50 000 \u20ac<\/strong> pour une <strong>r\u00e9novation \u00e9nerg\u00e9tique globale<\/strong>.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Quelles sont les nouveaut\u00e9s du PTZ en 2026 ?<\/h2>\n\n\n\n<div class=\"wp-block-mars-information icon-info\"><p>\ud83d\udca1 <strong>Bon \u00e0 savoir<\/strong> : Le Pr\u00eat \u00e0 Taux Z\u00e9ro est prolong\u00e9 tel quel jusqu&rsquo;en 2027.<\/p><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-style-green-top-border is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p>\ud83c\udd95 Le gouvernement vient de publier un arr\u00eat\u00e9 pour reclasser 468 communes vers une zone immobili\u00e8re plus avantageuse. Comme l\u2019explique <a href=\"https:\/\/reassurez-moi.fr\/guide\/a-propos\/redaction\/alexandre_loukil\">Alexandre Loukil<\/a>, journaliste sp\u00e9cialis\u00e9 :<\/p>\n\n\n\n<p><strong><em>\u00ab\u00a0Les 2,4 millions de Fran\u00e7ais y vivant pourront ainsi b\u00e9n\u00e9ficier plus facilement d\u2019un pr\u00eat \u00e0 taux z\u00e9ro.\u00a0\u00bb<\/em><\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"333\" src=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2025\/09\/immobilier-pret-a-taux-zero-renforce-1-500x333.png\" alt=\"immobilier pret a taux zero renforce\" class=\"wp-image-210450\" srcset=\"https:\/\/guide-preprod.top-secret-rm.com\/guide\/wp-content\/uploads\/2025\/09\/immobilier-pret-a-taux-zero-renforce-1-500x333.png 500w, https:\/\/guide-preprod.top-secret-rm.com\/guide\/wp-content\/uploads\/2025\/09\/immobilier-pret-a-taux-zero-renforce-1-300x200.png 300w, https:\/\/guide-preprod.top-secret-rm.com\/guide\/wp-content\/uploads\/2025\/09\/immobilier-pret-a-taux-zero-renforce-1-768x512.png 768w, https:\/\/guide-preprod.top-secret-rm.com\/guide\/wp-content\/uploads\/2025\/09\/immobilier-pret-a-taux-zero-renforce-1.png 1536w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center\">\ud83d\udc49 <a href=\"https:\/\/reassurez-moi.fr\/guide\/actualites\/immobilier-pret-a-taux-zero-renforce\">Immobilier : un pr\u00eat \u00e0 taux z\u00e9ro renforc\u00e9 pour 2,4 millions de Fran\u00e7ais<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-style-green-top-border is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p>\ud83c\udd95 \u00c0 partir du 1\u1d49\u02b3 avril 2025, le PTZ \u00e9volue pour devenir plus accessible. Comme l\u2019explique <a href=\"https:\/\/reassurez-moi.fr\/guide\/a-propos\/redaction\/alexandre_loukil\">Alexandre Loukil<\/a>, journaliste sp\u00e9cialis\u00e9 :<\/p>\n\n\n\n<p><strong><em>\u00ab\u00a0\u202fLe PTZ sera d\u00e9sormais accessible sur tout le territoire fran\u00e7ais, sans distinction de zonage, que ce soit pour l\u2019achat de maisons individuelles ou d\u2019appartements.\u00a0\u00bb<\/em><\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"319\" src=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2025\/03\/ptz2025-conditions-1er-avril-2025-500x319.webp\" alt=\"ptz2025 nouvelles conditions 1er avril 2025\" class=\"wp-image-206709\" srcset=\"https:\/\/guide-preprod.top-secret-rm.com\/guide\/wp-content\/uploads\/2025\/03\/ptz2025-conditions-1er-avril-2025-500x319.webp 500w, https:\/\/guide-preprod.top-secret-rm.com\/guide\/wp-content\/uploads\/2025\/03\/ptz2025-conditions-1er-avril-2025-300x191.webp 300w, https:\/\/guide-preprod.top-secret-rm.com\/guide\/wp-content\/uploads\/2025\/03\/ptz2025-conditions-1er-avril-2025-768x490.webp 768w, https:\/\/guide-preprod.top-secret-rm.com\/guide\/wp-content\/uploads\/2025\/03\/ptz2025-conditions-1er-avril-2025.webp 800w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center\">\ud83d\udc49 <a href=\"https:\/\/reassurez-moi.fr\/guide\/actualites\/ptz-comment-en-beneficier-au-1er-avril-2025\">Comment b\u00e9n\u00e9ficier du nouveau pr\u00eat \u00e0 taux z\u00e9ro au 1er avril 2025 ?<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Extension \u00e0 toutes les zones g\u00e9ographiques<\/strong><\/h3>\n\n\n\n<p>Depuis le 1er avril 2025, le Pr\u00eat \u00e0 Taux Z\u00e9ro (PTZ) est accessible <strong>partout en France<\/strong>, sans distinction de zonage (A, A bis, B1, B2, C). Cette suppression des restrictions permet aux emprunteurs d\u2019obtenir un PTZ pour l\u2019achat d\u2019un logement neuf, qu\u2019ils r\u00e9sident en zone tendue ou non.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u00c9ligibilit\u00e9 des maisons individuelles neuves<\/strong><\/h3>\n\n\n\n<p>Jusqu\u2019en mars 2025, le PTZ \u00e9tait r\u00e9serv\u00e9 aux logements collectifs dans les zones les plus tendues. D\u00e9sormais, il est aussi accessible pour <strong>l\u2019achat d\u2019une maison individuelle neuve<\/strong>, ce qui facilite l\u2019accession \u00e0 la propri\u00e9t\u00e9 en milieu rural et p\u00e9riurbain.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Modification des quotit\u00e9s du PTZ selon le type de logement<\/strong><\/h3>\n\n\n\n<p>Le montant du PTZ d\u00e9pend du type de bien acquis et des revenus de l\u2019emprunteur.<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-right\">\n<li><strong>Logements collectifs<\/strong> : le PTZ peut financer jusqu\u2019\u00e0 <strong>50 %<\/strong> du co\u00fbt total de l\u2019op\u00e9ration.<\/li>\n\n\n\n<li><strong>Maisons individuelles<\/strong> : la quotit\u00e9 varie de <strong>10 % \u00e0 30 %<\/strong>, selon les revenus du m\u00e9nage.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-mars-information icon-info without-background\"><p>\ud83d\udd0e Ce changement vise \u00e0 favoriser les logements en immeubles collectifs tout en ouvrant de nouvelles opportunit\u00e9s aux acheteurs de maisons individuelles.<\/p><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Dur\u00e9e et calendrier d\u2019application<\/strong><\/h3>\n\n\n\n<div class=\"wp-block-mars-information icon-warning\"><p>\u26a0\ufe0f Les nouvelles r\u00e8gles du PTZ 2025 s\u2019appliquent aux pr\u00eats accord\u00e9s entre le 1er avril 2025 et le 31 d\u00e9cembre 2027. Pass\u00e9 ce d\u00e9lai, de nouvelles dispositions pourront \u00eatre envisag\u00e9es en fonction des politiques de logement en vigueur.<\/p><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Conditions et plafonds de revenus pour b\u00e9n\u00e9ficier du PTZ 2026<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Comment v\u00e9rifier son \u00e9ligibilit\u00e9 au PTZ 2026 ?<\/strong><\/h3>\n\n\n\n<p>L\u2019acc\u00e8s au Pr\u00eat \u00e0 Taux Z\u00e9ro (PTZ) 2026 est soumis \u00e0 des conditions de ressources. Pour savoir si vous \u00eates \u00e9ligible :<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-right\">\n<li>Vos <strong>revenus fiscaux de r\u00e9f\u00e9rence<\/strong> (RFR) pris en compte sont ceux de <strong>l\u2019ann\u00e9e N-2<\/strong> (soit 2023 pour une demande en 2025).<\/li>\n\n\n\n<li>La <strong>composition du foyer<\/strong> (nombre d\u2019occupants du logement) influence le plafond de ressources applicable.<\/li>\n\n\n\n<li>La <strong>zone g\u00e9ographique<\/strong> o\u00f9 se situe le bien joue \u00e9galement un r\u00f4le dans le calcul de l\u2019\u00e9ligibilit\u00e9.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Plafonds de revenus selon la zone et le nombre d\u2019occupants<\/strong><\/h3>\n\n\n\n<p>Le PTZ est accessible uniquement si vos revenus ne d\u00e9passent pas les plafonds ci-dessous :<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Nombre d\u2019occupants<\/th><th class=\"has-text-align-center\" data-align=\"center\">Zone A<\/th><th class=\"has-text-align-center\" data-align=\"center\">Zone B1<\/th><th class=\"has-text-align-center\" data-align=\"center\">Zone B2<\/th><th class=\"has-text-align-center\" data-align=\"center\">Zone C<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">1 personne<\/td><td class=\"has-text-align-center\" data-align=\"center\">49 000 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">34 500 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">31 500 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">28 500 \u20ac<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">2 personnes<\/td><td class=\"has-text-align-center\" data-align=\"center\">73 500 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">51 750 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">47 250 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">42 750 \u20ac<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">3 personnes<\/td><td class=\"has-text-align-center\" data-align=\"center\">88 200 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">62 100 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">56 700 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">51 300 \u20ac<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">4 personnes<\/td><td class=\"has-text-align-center\" data-align=\"center\">102 900 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">72 450 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">66 150 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">59 850 \u20ac<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">5 personnes<\/td><td class=\"has-text-align-center\" data-align=\"center\">117 600 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">82 800 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">75 600 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">68 400 \u20ac<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">6 personnes<\/td><td class=\"has-text-align-center\" data-align=\"center\">132 300 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">93 150 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">85 050 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">76 950 \u20ac<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">7 personnes<\/td><td class=\"has-text-align-center\" data-align=\"center\">147 000 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">103 500 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">94 500 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">85 500 \u20ac<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">8 personnes et +<\/td><td class=\"has-text-align-center\" data-align=\"center\">161 700 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">113 850 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">103 950 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">94 050 \u20ac<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Plafonds de l\u2019op\u00e9ration immobili\u00e8re prise en compte<\/strong><\/h3>\n\n\n\n<p>Le PTZ ne couvre qu\u2019une <strong>partie du co\u00fbt total du bien<\/strong>, qui est plafonn\u00e9 selon la zone et le nombre d\u2019occupants :<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Nombre d\u2019occupants<\/th><th class=\"has-text-align-center\" data-align=\"center\">Zone A<\/th><th class=\"has-text-align-center\" data-align=\"center\">Zone B1<\/th><th class=\"has-text-align-center\" data-align=\"center\">Zone B2<\/th><th class=\"has-text-align-center\" data-align=\"center\">Zone C<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">1 personne<\/td><td class=\"has-text-align-center\" data-align=\"center\">150 000 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">135 000 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">110 000 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">100 000 \u20ac<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">2 personnes<\/td><td class=\"has-text-align-center\" data-align=\"center\">225 000 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">202 500 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">165 000 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">150 000 \u20ac<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">3 personnes<\/td><td class=\"has-text-align-center\" data-align=\"center\">270 000 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">243 000 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">198 000 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">180 000 \u20ac<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">4 personnes<\/td><td class=\"has-text-align-center\" data-align=\"center\">315 000 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">283 500 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">231 000 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">210 000 \u20ac<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">5 personnes et +<\/td><td class=\"has-text-align-center\" data-align=\"center\">360 000 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">324 000 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">264 000 \u20ac<\/td><td class=\"has-text-align-center\" data-align=\"center\">240 000 \u20ac<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Simulation PTZ 2026 : comment calculer votre pr\u00eat \u00e0 taux z\u00e9ro ?<\/h2>\n\n\n\n<p><div class=\"flex w-full justify-center\">\n<\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le Pr\u00eat \u00e0 Taux Z\u00e9ro (PTZ) facilite l&rsquo;achat immobilier sans int\u00e9r\u00eats. Il s&rsquo;adresse aux primo-acc\u00e9dants et n\u00e9cessite un financement compl\u00e9mentaire. D\u00e9couvrez les conditions d&rsquo;\u00e9ligibilit\u00e9 et les nouveaut\u00e9s. Qu\u2019est-ce que le Pr\u00eat \u00e0 Taux Z\u00e9ro (PTZ) ? D\u00e9finition du PTZ Le Pr\u00eat \u00e0 Taux Z\u00e9ro (PTZ) est un pr\u00eat immobilier accord\u00e9 sans int\u00e9r\u00eats ni frais de\u2026<\/p>\n","protected":false},"author":67,"featured_media":206947,"parent":17687,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"pages\/page-featured-tool.php","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"page_topic":[755],"class_list":["post-18566","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pr\u00eat \u00e0 Taux Z\u00e9ro (PTZ) 2026 : Conditions, Montants et Nouveaut\u00e9s<\/title>\n<meta name=\"description\" content=\"Pr\u00eat \u00e0 taux z\u00e9ro \u2714\ufe0f D\u00e9couvrez toutes les informations g\u00e9n\u00e9rales sur le PTZ 2026 \u2714\ufe0f derni\u00e8res actualit\u00e9s \u2714\ufe0f\" \/>\n<meta name=\"robots\" content=\"index, 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