Buying your first home in Martinique is a major life project. In 2026, the Prêt à Taux Zéro (PTZ) — France's Zero-Interest Loan — remains one of the most advantageous programs for first-time buyers in Martinique. Reformed and expanded since April 1, 2025, it offers even more favorable conditions for overseas buyers.
Cabinet Laurent Valère, real estate experts in Martinique since 1985, provides you with a complete guide to the PTZ 2026: conditions, ceilings, amounts and eligible communes.
1. What is the PTZ and who is it for?
The PTZ is a zero-interest mortgage loan, granted based on income conditions, to finance the purchase of your primary residence. It is reserved for first-time buyers, meaning people who have not owned their primary residence in the past two years.
Important exceptions: people with disabilities, victims of natural disasters, or recipients of disability benefits can access the PTZ even if they already own property.
The PTZ cannot finance the entire purchase: it complements a main loan (standard bank loan, PAS, conventional loan) and cannot exceed 50% of the total cost of the operation.
2. Martinique in Zone B1: An advantage for buyers
Nearly all Martinique communes are classified in zone B1 for PTZ purposes. This classification, which covers agglomerations of over 250,000 inhabitants and French overseas departments, is advantageous because it offers:
- Higher income ceilings than zones B2 and C
- Higher PTZ amounts
- PTZ access for new collective housing (apartments)
Complete list of eligible communes in Martinique (zone B1)
All 34 communes of Martinique are eligible for the PTZ in zone B1:
Basse-Pointe, Bellefontaine, Case-Pilote, Ducos, Fonds-Saint-Denis, Fort-de-France, Grand'Rivière, Gros-Morne, La Trinité, L'Ajoupa-Bouillon, Le Carbet, Le Diamant, Le François, Le Lamentin, Le Lorrain, Le Marigot, Le Marin, Le Morne-Rouge, Le Morne-Vert, Le Prêcheur, Le Robert, Le Vauclin, Les Anses-d'Arlet, Les Trois-Îlets, Macouba, Rivière-Pilote, Rivière-Salée, Sainte-Anne, Sainte-Luce, Sainte-Marie, Saint-Esprit, Saint-Joseph, Saint-Pierre, Schœlcher.
3. Income ceilings 2026 in zone B1
To qualify for the PTZ, your income must not exceed the following ceilings (tax reference income N-2):
1 person: €34,500
2 people: €51,750
3 people: €62,100
4 people: €72,450
5 or more people: €82,800
These ceilings are more accessible than zone A, allowing a large portion of Martinique households to qualify.
4. Maximum PTZ amounts in zone B1
The PTZ amount depends on your income bracket (4 brackets) and the number of people in your household:
Financing quota by bracket:
- Bracket 1 (lowest incomes): 50% of the operation cost
- Bracket 2: 40%
- Bracket 3: 30%
- Bracket 4: 20%
Maximum PTZ amounts in zone B1:
- 1 person: up to €67,500
- 2 people: up to €101,250
- 3 people: up to €121,500
- 4 people: up to €141,750
- 5 or more people: up to €162,000
Since April 2025, the overall PTZ ceiling has been raised to €195,000 and the minimum financing floor to €99,000, representing a significant increase from previous years.
5. Eligible property types for the PTZ in Martinique
In zone B1, the PTZ finances:
New collective housing (apartments): the most common case. New real estate developments in Martinique (Fort-de-France, Lamentin, Trois-Îlets, etc.) are eligible.
Social housing (HLM): purchasing your social housing unit is eligible in all zones, with a discount of up to 30%.
Converted premises: converting a commercial or professional space into housing is eligible.
Important: new individual houses are excluded from the PTZ since 2024 (except in ANRU zones). Purchasing older properties with renovations is only eligible in zones B2 and C, so not in Martinique for older properties.
6. Repayment duration and deferral
The PTZ repayment period spans 10 to 25 years, with a repayment deferral of up to 10 years depending on your income bracket:
- Bracket 1: 10-year deferral, then 15-year repayment (25 years total)
- Bracket 2: 8-year deferral, then 12-year repayment (20 years total)
- Bracket 3: 2-year deferral, then 13-year repayment (15 years total)
- Bracket 4: no deferral, 10 to 15-year repayment
The deferral means you do not repay the PTZ during this period, significantly reducing your monthly payments in the early years.
7. How to get the PTZ in Martinique: the steps
Step 1 — Check your eligibility: use the official government simulator (service-public.fr) to verify your zone and ceilings.
Step 2 — Prepare your file: gather your N-2 tax notices, proof of address and first-time buyer declaration.
Step 3 — Contact your bank: the PTZ is distributed by approved banks. Compare complementary loan offers.
Step 4 — Find your property: identify an eligible property (new collective housing in Martinique) and sign the preliminary agreement.
Step 5 — Finalize: the bank verifies eligibility and integrates the PTZ into your overall financing plan.
8. Our tips to maximize your PTZ in Martinique
- Plan ahead: prepare the PTZ 6 to 12 months before buying. Start building your file now.
- Stack benefits: the PTZ can be combined with PAS (Social Access Loan), Action Logement loans and local CTM grants.
- Negotiate your complementary loan: the main loan's interest rate makes all the difference on the total cost.
- Get local guidance: a local real estate professional knows eligible new developments and can direct you to the best opportunities.
Conclusion
The PTZ 2026 is a major opportunity for first-time buyers in Martinique. With raised ceilings, a financing quota of up to 50% and a generous repayment deferral, it is a powerful lever to make your property purchase a reality.
Cabinet Laurent Valère helps you find PTZ-eligible properties in Martinique. Contact us for a personalized study of your project.
Sources:
Service-Public.fr – Prêt à taux zéro (PTZ), 2026
Aide-Sociale.fr – PTZ 2026 conditions and amounts
Direction générale des finances publiques (DGFIP), 2026
Ministry of Ecological Transition – PTZ Zoning
Cabinet Laurent Valère – Internal analyses, March 2026