PTZ 2025: A Real Boost to Become a Homeowner in Puy-de-Dôme!
Still hesitating to take the plunge into buying a home? What if the 2025 version of the Zero-Interest Loan (PTZ) was just the boost you needed? In a market where rates have risen and every euro counts, the revamped PTZ is a real opportunity—especially for first-time buyers in Puy-de-Dôme. Explanations, advantages, local tips: follow the guide!
What exactly is the PTZ?
Behind this somewhat bureaucratic acronym is a very concrete scheme: an interest-free mortgage loan reserved for people buying their first home (or who haven’t owned one in over two years).
In other words: you borrow part of your home purchase budget without paying a cent in interest. Pretty smart, right?
Key conditions:
✅ Reserved for first-time buyers
✅ Subject to income limits
✅ Partial financing of a primary residence
What’s changing (and improving!) in 2025
The government has extended and enhanced the PTZ until 2027, with even more attractive features in 2025 for rural and semi-rural areas. Good news: Puy-de-Dôme is included!
The major benefits of the 2025 PTZ:
💰 Up to 50% of the property price financed through the PTZ (depending on area and income)
⏳ Deferred repayment of up to 15 years
🏡 Available for new builds, construction, and old properties with renovation (in zones B2 or C)
🪙 Up to €31,500 in potential savings thanks to zero interest
What types of properties are eligible in Puy-de-Dôme?
In our beautiful department, the options are vast!
You can use the PTZ to:
🏠 Buy a new home, anywhere
⚒️ Buy an old home with renovation (zones B2 and C such as Riom, Gerzat, Cournon...)
⛪ Build your home on a serviced plot
🚀 The PTZ + reasonable prices in the 63 = an ideal springboard to get started!
Two real-life cases to illustrate
Julien, 28 years old, single, income: €25,000/year
He wants to buy a new one-bedroom apartment: ⬇️ Up to €11,000 in savings thanks to the PTZMarie and Thomas, a couple without children, income: €60,000/year
Project: a house with renovations in Cournon → ⬇️ Up to €31,500 in savings
These amounts can really make a difference and tip the scales toward buying!
How to benefit from the PTZ? The 4 key steps
Check your eligibility: based on your income, location, and household size
Find an eligible property: new or old with renovations
Build a strong application: mortgage broker + real estate advisor = winning combo
Finalize the purchase at the notary's office: and voilà, you're a homeowner!
Shall we talk about it together?
As a real estate advisor in Chamalières, Clermont-Ferrand, and the surrounding areas, I support you at every step of your project, PTZ included.
With Christine Costes, my dynamic partner, we offer:
✅ A personalized study of your situation
✅ Connections with partner mortgage brokers
✅ A tailor-made selection of eligible properties
✅ Premium support all the way to the signing
Because becoming a homeowner takes preparation. And with us, it becomes a reality.
📢 Contact me to discuss your home buying project with the 2025 PTZ.
Martine Bournoville
Real Estate Advisor at Optimhome
📧 martine.bournoville@optimhome.com
📞 06 09 74 45 85
