Prime Minister Élisabeth Borne and Housing Minister Olivier Klein presented the main measures taken from the CNR Logement, the conclusions of which were presented on Monday. One of them aims to develop the real solidarity lease (BRS).
It is little to say: the announcements of the government in favor of housing, presented this Monday, June 5, were unanimous. Indeed, all professionals in the sector are headwind against the announcements of Elisabeth Borneincluding the removal of the Pinel device and the changes applied to the zero-rate loan (PTZ).
“Sacrificing the only tool for accessing new home ownership, the Zero Rate Loan (PTZ), in more than 90% of municipalities, is to increase the divide between those who have the means to choose their mode of live and those who will be under house arrest. Removing the Pinel without an alternative is to deny the role of the private rental stock for the mobility of many French people”, let it be known in a joint press release half a dozen organizations, including the French Building Federation (FFB), the FNAIM and even Pôle Habitat.
Reinforcement of the real solidarity lease
Nevertheless, there is one system that will be strengthened: the real solidarity lease (BRS). Resource caps will be reviewed so that more households can benefitand a zoning review will make it possible to switch new territories into tense areas to increase the number of potential beneficiaries.
As a reminder, the real solidarity lease is a device for accessing property (to acquire your main residence, editor’s note) created by the “Macron law” of August 6, 2015. The principle is to dissociate buildings from land. The buyer, who must meet certain income conditions to benefit from the device, therefore becomes the owner of the walls but leases the land to a Solidarity Land Organization (OFS), for a period ranging from 18 to 99 years. In short: you buy a property, but you rent the site on which it is built.
Resource ceiling 2023* to take advantage of the solidarity real lease
| Number of persons who will occupy the accommodation | Area A | Areas B and C |
|---|---|---|
| 1 | €35,515 | €26,921 |
| 2 | €49,720 | €35,899 |
| 3 | €56,825 | €41,525 |
| 4 | €64,638 | €46,014 |
| 5 and + | €73,732 | €50,489 |
*N-2 revenue. Source: Action Logement.
A way of buying that lowers the price of housing. On its website, Action Logement announces 15% to 40% savings in full ownership on your real estate project (depending on the sector). Sarah, 30, became an owner in Rennes thanks to this method. “I had a friend who worked at Keredes, and who told us about the possibility of becoming an owner in Rennes thanks to this device, the real solidarity lease. I made a file, for the purchase of a new apartment, a T2 of 48m2, in Vefa (Sale in the future state of completion). The solidarity land organization, Keredes, gave me the rights for a period of 99 years. »
A capped selling price
According to her, this method enabled her to save more than 40% compared to a property of the same type offered for purchase in the city center of Rennes. I have to say that the price of an apartment in BRS is capped : at €2,055/m² of living space, excluding parking, in the case of the Breton town.
In exchange, in addition to the repayment of her mortgage to the bank, Sarah must pay a fee corresponding to the right to occupy the accommodation (about, for Rennes metropolis, 0.15 €/m² of living space per month). Or less than 15 euros per month. A “rent” which, however, depends on the location of the property. On its site, Action Logement takes the example of a fee of 1.5 euro per m2 per month. Or 75 euros per month for a property of 50m2.
If buying through the real solidarity lease therefore has real advantages, especially in terms of price, it is also accompanied by constraints, especially for resale. “In order for this housing to continue to be accessible and to benefit households eligible for this system, its selling price must be limited to the price at which you bought it “recalls Action Logement.
“We cannot increase the price from 120,000 to 180,000 euros for example, completes Sarah. The goal is not to make a profit. The resale price cannot exceed the purchase price, indexed to the Rent Reference Index (IRL). In addition, the property must be resold to buyers eligible for the joint real lease. Finally, renting a property acquired through a real solidarity lease (BRS) can be complicated, and even prohibited in some cases.