Module 18 min855 wordsFree — no account
A 54 000 € income that is not the one declared
Dated official sources, and the contents this module links to · 1 section
Official sources
- service-public.gouv.fr — sheet F10871 "Prêt à taux zéro (PTZ ou PTZ+)": one must not have owned one's main home during the two years preceding the loan, subject to particular situations; the income taken into account is the higher of the reference taxable income of year N-2 of the future occupants and the total cost of the property transaction including all taxes divided by nine; the household coefficient is 1 for one person, 1.5 for two, 1.8 for three, 2.1 for four and 2.4 from five; the resource ceilings for one person are 49 000 € in zone A or A bis, 34 500 € in zone B1, 31 500 € in zone B2 and 28 500 € in zone C, rising for eight people or more to 161 700 €, 113 850 €, 103 950 € and 94 050 €; page verified 13 February 2026 — verified on September 9, 2026
- Légifrance — construction and housing code, article L31-10-3: beneficiaries must not have owned their main home during the two years preceding the issue of the loan offer; exempt from that condition are holders of the "mobilité inclusion" card marked "invalidité", recipients of a second or third category invalidity pension and recipients of certain allowances; for existing housing, the works must be carried out within a period that cannot exceed three years following the issue of the offer, save for death, a health accident, a natural disaster or force majeure; version in force since 1 April 2024, amended by act n° 2023-1322 of 29 December 2023 — verified on September 9, 2026
Every figure and its source
Every figure in this module anchored to a fiscal constant, with the official page that establishes it.
- Resource ceiling, zone A or A bis, one person — 49 000 €
service-public.gouv.fr · 2026 rules - Resource ceiling, zone B1, one person — 34 500 €
service-public.gouv.fr · 2026 rules - Resource ceiling, zone B2, one person — 31 500 €
service-public.gouv.fr · 2026 rules - Resource ceiling, zone C, one person — 28 500 €
service-public.gouv.fr · 2026 rules
Contents linked from this module
- Zero-interest loan calculator
Check eligibility, the income band and the amount of the loan.
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.