Question 13934 — housing: aid and loans

Summary

Ms. Christine Le Nabour draws the attention of the Minister of the Economy, Finance and Industrial, Energy and Digital Sovereignty to the growing difficulties encountered by households in terms of residential mobility, in particular due to the impossibility of transferring a property loan from one property to another. Indeed, in a context of a significant increase in interest rates since 2022, many owners are today find themselves forced to abandon plans to move or adapt their homes, at the risk of suffering a significant deterioration in their purchasing power. Thus, borrowers who have taken out credit under historically favorable conditions are subject to significantly higher rates in the event of a new purchase, generating a significant and dissuasive additional monthly cost. Furthermore, this situation contributes to a greater blockage overall real estate market, characterized by a drop in the number of transactions and increased difficulties in accessing credit. As highlighted in a bill tabled in 2024, the generalization of the portability clause for real estate loans would make the market more fluid, secure residential pathways and limit the negative effects of rate fluctuations. This device would in fact offer the possibility to borrowers to maintain the initial conditions of their loan when acquiring a new property, while simplifying procedures and avoiding certain financial penalties. In this context, she asks him what the Government's intentions are regarding the resumption or support of a legislative initiative aimed at generalizing the portability of real estate loans and what measures it intends to take to remove the obstacles current residential mobility and support household purchasing power.

Machine translation from French. The official text remains authoritative.

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