Facilitate Homeownership for low-income households: it is the goal of "Pass Land" .
Came into force on 1 January 2007, 20,000 families could benefit from this year.
Under the leadership of Minister for Employment, Social Cohesion and Housing Jean-Louis Borloo, the "Property Pass" system set up in late 2006 by the Federation of Organizations of 1% Housing (UESL) and Caisse des deposits, also known as the "purchase of two times," comes within the framework of Law National Commitment to Housing and measures to promote homeownership.
His goal: to facilitate the purchase of a principal residence in the nine first-time buyers, enabling them to buy in two stages, housing first, then the ground then. All with a reimbursement rate equal to the price of a single rent.
two possibilities to acquire a house
The deferred land
Land is made available by the municipality in which you want to implement a project of accession, or by an operator using a building lease which comes with an option to purchase. Subsequently, and depending on the case, the lease is free or it comes with a rent with the option to any time, purchase the land on which the house is built.
rental accession
Here, you enter as a tenant in a new home which is offered by a social landlord type of company housing project. It then offers to buy it with the added benefit of safeguards against accidents of life. The purchaser will also benefit from a VAT rate of 5.5% and a purchase price which is shrinking as the years pass rental. Not to mention a property tax exemption for 15 years.
guarantees in case of default
The device provides certain safeguards, especially if the buyer fails to fulfill its commitment to repay. Thus, if unpaid more than three months, one is assured of the acquisition of housing. Note that for the first five years of the accession phase, the redemption price is guaranteed and in addition, it can not be less than the price at which housing is acquired. Beyond five years, the guaranteed price will decline 2.5% per year. Moreover alternative accommodation is also guaranteed if any.
How to benefit?
20,000 families could benefit from this measure in 2007. Three criteria are required. It should be first-time buyer of his principal residence. There are conditions relating to resources: they must necessarily be modest and below the ceiling PLSA (loan office lease assumption). It should also be a recipient of aid to social access to the property given by one or more local authorities, or by a group of local authorities, the location of the housing. This assistance ranges from 3000 to 5000 euros depending on the area. And "pass" can not exceed 50 000 €
(sources Paruvendu.fr)
Came into force on 1 January 2007, 20,000 families could benefit from this year.
Under the leadership of Minister for Employment, Social Cohesion and Housing Jean-Louis Borloo, the "Property Pass" system set up in late 2006 by the Federation of Organizations of 1% Housing (UESL) and Caisse des deposits, also known as the "purchase of two times," comes within the framework of Law National Commitment to Housing and measures to promote homeownership.
His goal: to facilitate the purchase of a principal residence in the nine first-time buyers, enabling them to buy in two stages, housing first, then the ground then. All with a reimbursement rate equal to the price of a single rent.
two possibilities to acquire a house
The deferred land
Land is made available by the municipality in which you want to implement a project of accession, or by an operator using a building lease which comes with an option to purchase. Subsequently, and depending on the case, the lease is free or it comes with a rent with the option to any time, purchase the land on which the house is built.
rental accession
Here, you enter as a tenant in a new home which is offered by a social landlord type of company housing project. It then offers to buy it with the added benefit of safeguards against accidents of life. The purchaser will also benefit from a VAT rate of 5.5% and a purchase price which is shrinking as the years pass rental. Not to mention a property tax exemption for 15 years.
guarantees in case of default
The device provides certain safeguards, especially if the buyer fails to fulfill its commitment to repay. Thus, if unpaid more than three months, one is assured of the acquisition of housing. Note that for the first five years of the accession phase, the redemption price is guaranteed and in addition, it can not be less than the price at which housing is acquired. Beyond five years, the guaranteed price will decline 2.5% per year. Moreover alternative accommodation is also guaranteed if any.
How to benefit?
20,000 families could benefit from this measure in 2007. Three criteria are required. It should be first-time buyer of his principal residence. There are conditions relating to resources: they must necessarily be modest and below the ceiling PLSA (loan office lease assumption). It should also be a recipient of aid to social access to the property given by one or more local authorities, or by a group of local authorities, the location of the housing. This assistance ranges from 3000 to 5000 euros depending on the area. And "pass" can not exceed 50 000 €
(sources Paruvendu.fr)
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