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What is an m-FTA?
Low Mobility Emission Zones (ZFE-m) are zones where where only low-polluting vehicles are allowed on the roads. These zones are set by the local authorities, who determine the types of vehicles that can circulate within the perimeter, the level of congestion and the number of vehicles allowed. Crit'Air and periods when traffic is restricted.
These vehicles, which emit CO2, can be identified by the following symbols Crit'Air stickers affixed to the windscreen. Vehicles are classified by colour according to their level of emissions of atmospheric pollutants:
- Crit'Air vert, level 0: this sticker applies to 100% electric vehicles or hydrogens
- Crit'Air violet, level 1: this sticker applies to petrol or hybrid vehicles registered from 2011.
- Crit'Air yellow, level 2: the vehicles concerned are euro 5 and 6 diesel vehicles registered from 2011 onwards and euro 4 petrol vehicles registered between 2006 and 2010.
- Crit'Air orange, level 3: this sticker is for vehicles registered between 1997 and 2005 for petrol vehicles and between 2006 and 2010 for diesel vehicles.
- Crit'Air brown, level 4: for diesel vehicles registered between 2001 and 2005.
- Crit'Air grey, level 5: this sticker applies to diesel vehicles registered between 1997 and 2000.
To find out whether your vehicle is authorised to drive in low-emission zones, you will need to :
- make a simulation to find out your environmental rating of your vehicle.
- order and affix the Crit'Air certificate on the vehicle windscreen
Good to know: if a polluting vehicle travels in a ZFE-m, the driver is liable to a fixed fine:
- For cars and two-wheelers: €68
- For heavy goods vehicles, buses and coaches: €135
ZFE: zero-rate loan for 2023
According to the Official Journal of 24 April 2022Decree no. 2022-615 will take effect on 1 January 2023 for existing and future m-FTAs.
Initially scheduled to run for two years from 1 January 2023, the trial of the zero-rate loan has been extended until 31 December 2025. This means that the scheme is now open for three years instead of two.
From that date, anyone (private individuals or professionals) who works, lives or lives near the EPZ will be eligible for a zero-interest loan for the purchase of a new car. electric vehicle. This loan is also available to people wishing to buy a used electric carwith maximum WLTP CO2 emissions of 50g/km and a maximum weight of 2.6t.
The decree has been amended to also include funding for electrical retrofits, which enable the transformation of a thermal vehicle in electric form. This extension will broaden the options for potential beneficiaries wishing to switch to cleaner mobility without necessarily buying a new vehicle.
To qualify for a zero-rate loan, a number of criteria must be met:
- Individuals with a taxable income per unit of up to €14,000.
- Legal entities, in particular micro-businesses with fewer than 10 employees and a turnover of no more than €2 million.
Why did you set up this scheme?
As we mentioned at the beginning of this article, this system helps to improve air quality and protect the health of residents where the pollution threshold is high.
In addition to national and regional aid for the purchase of an electric vehicleThe government is offering this zero-interest loan to encourage and simplify the ecological transition for all residents.
Which ZFE-m areas are eligible for the zero-rate loan?
According to the Climate and Resilience Actmetropolitan areas with more than 150,000 inhabitants will have to set up ZFE-m zones by 2024.
Many cities have already introduced ZFE-m zones. Here are the zones that will be affected by the scheme:
- Aix-Marseille-Provence
- Paris and its metropolises
- Grenoble Metropolitan Area
- Greater Lyon
- Montpellier-Méditerranée
- Nice-Côtes d'Azur
- Greater Reims Urban Community
- Rouen-Normandie
- Saint-Etienne
- Strasbourg Eurometropolis
- Toulouse
- Toulon-Provence-Méditerranée
To find out whether your municipality is in a Low Emission Zone, you can consult this list list of regulatory m-FTAson 1 August 2023.
How much is the zero-rate loan?
The zero-rate mobility loan (PTZ-m) has been extended until 31 December 2025, following a change made by Article 41 of the Finance Act by 2024. This loan is intended for the purchase of an electric or hybrid vehicle, as well as the conversion of a combustion vehicle to electric, for individuals and companies located in or near a low-emission mobility zone (ZFE-m).
Only passenger cars and vans weighing less than 2.6 tonnes and with emissions of less than 50g/km will have access to the zero-rate loan.
The cost of this loan varies according to the vehicle used:
- For a car: the amount is capped at €47,000.
- For a van: the amount is capped at €60,000.
- For the acquisition or retrofit of an electric vehicle: €30,000".
Please note: these different acquisition costs include all taxes and are deducted before any government grants.
You can also take advantage of the zero-rate loan if you want to lease a vehicle by LDD (long-term leasing), in LMD (medium-term leasing) or LOA (Lease with Purchase Option). In this case, the loan granted will be €10,000 and the loan repayment period will be equal to the duration of the lease chosen.
What's more, if you're interested in acquiring a electric vehicle leasingIf you have any questions, please do not hesitate to contact us with your project.
Bear in mind that you can also accumulate this loan with others aid for the purchase of electric vehiclesWhether you're a business or an individual, we can help:
Which vehicles are covered by this scheme?
To benefit from this zero-rate loan, specific vehicles are eligible, in particular :
- All vehicles complying with the very low CO2 emissions threshold (green Crit'Air sticker, level 0) (including electric vehicles and hybrids)
- The vans
However, if you have a motorised two-wheeler, this facility will not be available to you. What's more, you won't be able to swap your diesel car for a electric scooter to get to your place of work in an EPZ.
