Overview
- The proposal, registered as proposition de loi n°2679 by Deputy Constance de Pélichy, cleared the Commission des finances and is set for debate in the Assemblée nationale on 28 May 2026.
- It would create a €100,000 zero-interest loan (a targeted PTZ) available from the declaration of pregnancy until a child turns five and usable to buy or enlarge a home without any income conditions.
- Bercy has given a preliminary fiscal estimate of roughly €120 million a year for the scheme, a figure that will be scrutinized during parliamentary debate.
- Families and real-estate professionals such as the FNAIM have welcomed the idea as a way to ease access to housing and revive demand, while some government officials have expressed caution about cost and design.
- Proponents link the measure to an urgent demographic problem after France recorded more deaths than births in 2025, and they point to long-term housing pressure—sharp price rises and a loss of living space—as factors that deter people from having children.