2023-06-20 15:00:00
“The idea of this loan of very long duration, fifty or sixty years, is to make it rest no longer on the person but on the property”, detailed Jean-Philippe Dugoin-Clément, vice-president of the Ile- de-France in charge of housing, in the JDD.
The housing crisis complicates access to property, particularly in Île-de-France. In the JDD, Jean-Philippe Dugoin-Clément, vice-president of the Ile-de-France region in charge of housing, suggested, to remedy this, increase borrowing terms to 50 or 60 years to facilitate access to mortgage loans. “I plead for a mortgage over 50 or 60 years,” he told our colleagues.
Today, “if you manage” to borrow, “you are condemned to repay your loan for twenty or twenty-five years up to 30% of your income. If your income decreases, you are cornered”, he lamented, while “the property you buy, new or old, has a lifespan of eighty years, a century or more.” Thus, “the idea of this loan of very long duration, fifty or sixty years, is to make it rest no longer on the person but on the property”, detailed Jean-Philippe Dugoin-Clément. And in case of sale of the property, the loan “is transferred from buyer to buyer”.
A series of measures announced in early June
In early June, the government unveiled a set of technical provisions to try to stem the housing crisis, including the extension but the tightening of the zero-rate loan (PTZ) to promote home ownership, or even rental aid but the end of the Pinel device… This plan is taken from the discussions of the National Refoundation Council (CNR), series of thematic consultations requested by Emmanuel Macron. On paper, the government displays five goals : promote access to property and rental, support the production and renovation of social housing, relaunch construction and step up the energy renovation of the private sector.
To help households acquire their homes in a context of rising interest rates, the PTZ, which was to end at the end of 2023, will extended until 2027. But the device will be refocused on “new collective housing” in tense areas, and in all housing (collective and individual) in relaxed areas subject to renovation. Another measure: the monthly payment of the wear rate review will be extended until the end of 2023 in order prevent this rate from “becoming a blockage”. The development of the “real solidarity lease”, which makes it possible to acquire cheaper housing without owning the land, will also be “supported”, assured Matignon, by revising the resource ceilings upwards.
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