Loan at zero rate, real solidarity lease, subsidies for modest households … In a tense real estate market, certain cities like Rueil-Malmaison set up innovative devices to facilitate ownership of property. Decisive support for first-time buyers. © Wikimedia Commons-Place de l’Eglise in Rueil-Malmaison save save Receive alerts Real estate purchase in an Île-de-France region where real estate prices brake many households, the city of Rueil-Malmaison (Hauts-de-Seine) has chosen to act. Since 2019, the municipality has been offering a zero rate loan of up to 30,000 euros, reimbursable interest -free, the costs being borne by the city. A support that is still unknown but particularly useful: fifteen files are currently under study, reports Le Parisien on April 6. In the conditions: being first-time, living in Rueil, buying a main residence, and not exceeding a income ceiling enhanced by 10,000 euros compared to the national scale (up to 83,500 euros for a couple, 102,900 euros with two children). The accommodation, old or new, must display a minimum DPE C, or be the subject of energy renovation work. It must be kept at least five years. Two local banks, the Savings Fund and the Banque Populaire, are partners of the system. Read also: Real estate: here is the surface that you can buy with a monthly payment of 1,000 euros, town per city the real lease in solidarity, another anti-speculative lever solution activated by the city: the real solidarity lease (BRS), which dissociates the land from the building, allowing to buy accommodation up to 40 % cheaper. In addition, Rueil offers a subsidy of up to 5,000 euros, depending on the typology of housing. “This can make it possible to finance a kitchen, for example,” said Marie-Pierre Avril, director of the Solidarity Pole. Maxime, a 31 -year -old engineer, acquired a T2 of 45 m² at 193,000 euros (i.e. € 4,288/m², against € 7,030/m² in new). He received aid of 3,000 euros. “I was not even aware. It was the head of sales that spoke to me, ”he tells our colleagues. The apartment will be delivered in 2027, in a new program located in the Arsenal eco -neighborhood. Read also: zero rate loan (PTZ): Conditions, ceiling and amounts to a model that spreads in Île-de-Francele BRS attracts an increasing number of Ile-de-France communities, including Paris, which preferred it to its old PTZ. The capital provides more than 1,000 dwellings in BRS by 2027, compared to around 200 today. Other public actors such as Hauts-de-Seine Habitat, the department’s first social landlord, also offer a PTZ for the purchase in new or old, with preferential conditions for their tenants. Adil (departmental housing information agencies) guide households according to their profile. In a context of high borrowing rates, the emergence of targeted local devices changes the game for many property candidates. These supporters often become an essential condition to take the plunge in an always demanding real estate market. >> Real estate prices and rents in 100 cities in France (Capital/FNAIM/CLAMUME indicator) Receive our latest news every week your appointment with real estate news. (tagstotranslate) Purchase real estate
