Question 33372 — housing

Summary

Mr. Sylvain Maillard questions the Minister Delegate to the Minister for Ecological Transition, responsible for housing, on the subject of tax-exempt rental investments. Alerted by certain citizens of the constituency, the MP would like to know in particular what guarantees are being studied to better protect individuals who invest in this type of structure. Indeed, individuals often engage in this type of housing following the canvassing of heritage advisors (whom a report from the Court of Auditors in March 2019 describes as “tax exemption sellers”, citing the direction of tax legislation) and who promote the tax advantages of investing in this area. The property, sold at a price higher than its intrinsic value thanks to the attraction of a tax reduction, is coupled with a long-term rental lease; however, the rent being proportional to the sale price, this is also too high, so much so that the tenant often finds himself unable to pay the monthly payments after a few months. In addition to the fact that the effectiveness of this type of investment for the creation of housing is debated, the MP is concerned about the lack of information for individuals on the risks linked to this type of housing contract, with certain banking establishments not transmitting not necessarily a sufficient degree of information on the subject when they are asked to grant the funds necessary for these transactions. Also, he would like to know how public authorities intend to better inform individuals of the risks linked to tax-exempt rental investments and what measures could be considered in order to better control the abuses that this type of system generates.

Machine translation from French. The official text remains authoritative.

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