Access to real estate credit, zero-rate loans, rentals… The Prime Minister will unveil measures to deal with the housing crisis

Ways to try to deal with the housing crisis. On the occasion of the restitution of the work of the National Council for Refoundation on this theme, Elisabeth Borne will unveil on Monday, June 5 a series of measures aimed at resolving tensions in real estate and responding to the difficulties for individuals to access property. These announcements are eagerly awaited by professionals in the sector, who have alerted the government to the collapse in the production of new housing.

>> INFOGRAPHICS. Real estate crisis: visualize the decline in new housing construction

To promote access to property, one of the Prime Minister’s main announcements will relate to the zero-rate loan (PTZ) extended until 2027, learned France Télévisions from a ministerial source. This loan, granted subject to means, was initially due to end on December 31. On the other hand, this will be “refocused” on the purchase of new housing within a collective housing operation or for the acquisition of old housing in a tight area, subject to the completion of renovation work.

The government also wants to relax the rules for granting mortgages to first-time buyers and rental investments. In addition, until the end of the year, the attrition rate, i.e. the maximum rate of a loan intended to protect buyers, will be recalculated every month instead of once. per quarter. This device was initially to stop in July. The ceilings for access to the real solidarity lease, a device making it possible to dissociate land from buildings and to greatly reduce the cost of access to property, will be increased so that more households can benefit from it.

Double the number of beneficiaries of the Visale guarantee

To promote access to rental, intermediate rental accommodation will be open to more municipalities. The government also intends to double the number of beneficiaries of the Visale guarantee for unpaid rent. Two million people will benefit from it by the end of the five-year term, compared to 900,000 today. The executive also aims to work on “a flattening” taxation to encourage long-term rentals.

On the housing construction side, Matignon intends to lift the blockages on the issuance of building permits in tense areas. A zoning review to bring more municipalities into tight areas is also one of the tracks. Finally, new “France Rénov” advice desks will be deployed and the “MaPrimeRenov'” system will continue to develop with a “objective of 200,000 high-performance renovations in 2024”.