Funding with a zero-interest loan
A 34 500 € ceiling that the household coefficient raises to 62 100 €, a deemed income equal to the purchase price divided by nine, and the same file opening 97 200 € in a flat against 48 600 € in a detached house. Three modules and one case costed end to end. All the prose is free to read; the case study and quizzes are sold.
Intermediate3 modules25 minModule 1 free to read
2026 rules — verified on September 9, 2026
Figures are tied to dated, sourced tax constants. A module whose rules have changed is flagged for review, and is unpublished automatically beyond 90 days.
This content is part of the path: Buying a home and financing the loan· Step 2 of 10· Next step: Mortgage borrowing capacity calculator
By the end of this course, you can…
These outcomes are the modules' own: the promise cannot say anything the course does not teach.
- Remember the first-time buyer condition and how long it runs.
- Identify the income used to test resources.
- Apply the household coefficient to the zone ceiling.
- Place the four resource ceilings by zone.
- Know the exceptions to the first-time buyer condition.
- Determine the income band after dividing by the household coefficient.
- Place the band boundaries by zone.
- Apply the share matching the band and the type of housing.
- Measure the gap between collective and individual housing.
- Understand that the share applies to a capped cost.
- Place the transaction cost ceilings by zone and by household.
- Remember the maximum repayment period.
- Understand the role of the deferral period.
- Identify the works condition for existing housing.
- Measure the interest saving the scheme represents.
The programme, module by module
Each module has its own page. Durations are derived from the actual text, never announced by hand.
- Module 18 minFree — no accountA 54 000 € income that is not the one declaredWhat you will be able to do
- Remember the first-time buyer condition and how long it runs.
- Identify the income used to test resources.
- Apply the household coefficient to the zone ceiling.
- Place the four resource ceilings by zone.
- Know the exceptions to the first-time buyer condition.
- Module 29 minIncluded in the full courseThe same file: 97 200 € in a flat, 48 600 € in a houseWhat you will be able to do
- Determine the income band after dividing by the household coefficient.
- Place the band boundaries by zone.
- Apply the share matching the band and the type of housing.
- Measure the gap between collective and individual housing.
- Understand that the share applies to a capped cost.
- Module 38 minIncluded in the full courseA 97 200 € loan that costs exactly 97 200 €What you will be able to do
- Place the transaction cost ceilings by zone and by household.
- Remember the maximum repayment period.
- Understand the role of the deferral period.
- Identify the works condition for existing housing.
- Measure the interest saving the scheme represents.
What you take away
A handout you keep, not just a page you read. The sections are derived from the course itself: what is announced here is exactly what gets generated.
Participant handout (PDF)
PDF
- Learning objectives (3)
- Key figures (3)
- Mistakes to avoid (3)
- Official sources (3)
Exercise workbook (Word)
Word
- Learning objectives (3)
- Key figures (3)
- Mistakes to avoid (3)
- Official sources (3)
Answers live in a separate appendix: the participant handout and the workbook stay distributable before the exercise.
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Where this course leads
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Educational content, current with the sources cited. It does not replace advice tailored to your situation. These courses are neither certifying nor CPF-eligible: they prepare for no certification registered with the French RNCP or specific register.