Zero-rate loan calculator (PTZ): free simulator 2026
Calculate your French zero-rate loan (PTZ) 2026 by zone, income, household size and property type. 2025-2027 reform integrated, official ceilings up to date.
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Real estate simulators
Free calculators to estimate your borrowing capacity, monthly payments, notary fees and zero-rate loan eligibility.
Borrowing capacity calculator: free simulator 2026
Calculate your real estate borrowing capacity in 2 minutes. Free simulator based on the HCSF rule (35 % debt ratio), with deposit, co-borrower and duration.