Zero-interest loan eligibility expands for French buyers in 2026

French deputies approved measures to raise PTZ loan limits to €99,000 and €195,000, and opened access to successive buyers in BRS housing. These changes, adopted on October 27 as part of the 2026 finance bill, aim to address rising housing prices and boost property access. They are set to apply to loan offers issued from January 1, 2026. The PTZ, already expanded to new homes nationwide and social housing sales since April, continues to target first-time buyers and modest households for new or renovated older properties.