Question 35003 — overseas

Summary

Mr. Jean-Philippe Nilor alerts the Minister Delegate to the Minister for Ecological Transition, responsible for housing, on the consequences of the planned end of the zero-interest loan in overseas territories. To the precariousness of millions of people hit by covid-19 will surely be added poverty, social exclusion and its procession of disasters, in all areas. Anticipation must be more than ever a Cartesian rule. Protect the population, especially the weakest, of all possible risks requires, at a minimum, to suspend incoherent, even absurd measures. This is the case of the end of the zero-rate loan scheduled for December 31, 2021 (according to decree no. 2020-9 of January 6, 2020), while the effects of this crisis will certainly be amplified. Since November 1, 2020, many banks have no longer processed files, citing the burden of administrative procedures. The resources taken into account corresponding to the reference tax income (RFR) of year n-2, the household which submits its application in December 2020 will have to provide 2018 income. In the event of a study by the bank in January 2021, they will already be obsolete and the borrower will have to provide 2019 income. Thus, for millions of people, the chance to project themselves socially and access property will be canceled. Gold, in overseas territories, owning a home allows many families to stabilize their social situation and limit the risks of professional insecurity due to a very high endemic unemployment rate (18% to 25%). However, if the PTZ were to disappear, how many people would find themselves suddenly prevented from accessing property? This tool secures the right to property of the most modest. It is a valve indisputable security which territories cannot do without, a shield against the exclusion and extreme poverty which threaten entire generations. Its cessation in the middle of a pandemic would be inconceivable and would dangerously jeopardize social and territorial cohesion. He asks her if she is committed to extending the zero-interest loan well beyond December 31, 2021 in order to maintain the right of access to property for the most modest.

Machine translation from French. The official text remains authoritative.

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