The zero-rated loan, PTZ 2017, is determined based on three cumulative criteria:
- the geographical area where the proposed dwelling is located,
- the resource ceilings, which vary according to zones A, B1, B2 and C,
- the size of the home that will live in the dwelling.
2017 PTZ zones: Zone A, B1, B2 and C
For the calculation of the PTZ 2017, the French territory is divided into 4 zones. The zones of the PTZ 2017 are named A, B1, B2 and C. The zones are classified from the least accessible (demand for housing much higher than the offer) to the most accessible. Zone A represents the most tense real estate market. Access to property is indeed difficult because the demand for housing is much higher than supply. Conversely, zone C is the most accessible. These areas correspond to ceilings of variable resources.
These areas can be summarily described as follows:
- In Zone A are Paris and the Petite Couronne, the French Riviera and the French Genevois
- Zone B1 includes Cities with more than 250 000 inhabitants, the Grande Couronne around Paris, Annecy, Chambery, Bayonne, La Rochelle, Saint-Malo, in particular, some cities of the Côte d’Azur not included in zone A, the Overseas Departments and Corsica.
- In Zone B2 are included the cities of more than 50 000 inhabitants not included in the aforementioned zones, certain municipalities of the littoral or border, the peripheral communes with the Big Crown of the Ile de France.
- Zone C includes municipalities not included in the above categories.
The 2017 PTZ income ceilings
To determine if the household does not exceed the limits that determine your eligibility for the 2017 PTZ, the amount to be deducted is calculated by comparing the two calculations below and keeping the higher of the two:
- The accumulation of reference tax revenues for year N-2 of the borrower (s) and the persons who will occupy the dwelling. Thus, for an acquisition planned for 2017, the reference tax revenues will be those of your 2015 tax assessment.