Zero interest credit

The zero rate credit (0 / PTZ rate credit) is a state aid to facilitate the acquisition of real estate on the mortgage intended for a main residence for French people with modest incomes. The amount granted for this zero rate loan is calculated according to the tax income of the credit applicant, as well as the geographical location of the property purchased. The zero rate loan also takes into account the type of housing (new or old housing). Zero-rate credit is often considered a personal contribution by credit companies.