Aid increaseProposedPublic aidNational

'Parenthood' zero-interest loan and removal of the annual PTZ spending cap

The PTZ (zero-interest home loan) would be opened to households expecting a child or with a child under three, subject to income conditions, even if they have already received a PTZ, once per beneficiary. The statutory annual PTZ spending cap (€2.1bn) would be abolished.

Measure originators

InitiatorEPR
Roland Lescure
Ensemble pour la République
InitiatorEPR
David Amiel
Ensemble pour la République
Impact on public finances
Would cost 69.9 m €/yr2028 estimate · State
Source of the estimate: PLF 2027 – Évaluations préalables des articles du projet de loi, p. 62 (Indirect official figure)

A positive amount is revenue or savings for public finances; a negative amount is a cost or lost revenue.

Effective date
1 January 2027

Measure impact

Generational cost estimated at €466m, spread over six years according to the pace at which tax credits are paid to banks.

Official references

Law number: PLF 2027 (AN n° 3210), art. 7 (PTZ)

Procedure timeline

Follow the progress of this fiscal measure through the different stages of the parliamentary procedure.

67%
2 / 3 steps
Pending
20 October 2026

Debate and vote

Parliamentary process

Débat et vote en séance publique à l'Assemblée nationale, ou engagement de la responsabilité du Gouvernement (article 49.3)

Vote solennel prévu à l'Assemblée nationale sur la première partie du projet de loi
Completed
7 October 2026

Committee examination

Parliamentary process

Amendements

Article adopté sans modification en commission des finances (première partie)
Completed
1 October 2026

Council of Ministers

Internal validation

Validation interne

Présentation du PLF 2027 en Conseil des ministres et dépôt à l'Assemblée nationale