Question 4233 — housing: aid and loans

Summary

Mr. Antoine Armand draws the attention of the Minister to the Minister of Regional Planning and Decentralization, responsible for housing, to the consequences of the anti-speculative clauses of the social loan-rental-ownership system (PSLA) during the resale of a property. Established by Law No. 2004-809 of August 13, 2004 relating to local freedoms and responsibilities, the PSLA is a social home ownership system intended for households with modest resources. The system is based on an agreement, entered into between an operator and the State or the authority delegating housing aid, by which the operator undertakes to build, buy or, since 2020, rehabilitate housing, in order to sell it to households under resource conditions as part of a rental-ownership contract. Each operation is approved by the State or its delegatee. THE This device is made all the more attractive as it allows the project to benefit from numerous financial and tax advantages. Alerted by citizens in his constituency, he questioned him on the effects of the anti-speculative clause, which prohibits, for a period of up to 35 years, reselling housing at a price higher than its purchase price. Although effective in containing housing prices, this provision comes into play contradiction with the practice adopted by notaries who retain, in the event of a donation, the market value of the property at the time of the donation. He thus relays the example of a family from his constituency which, in the La Clusaz sector, purchased housing within the framework of the PSLA system in 2005. The anti-speculative clause applies until 2040. However, the notaries are holding back for the good of this Clusaz family, who wishes to make it a donation today, the market value which exceeds the purchase value by 160%. This contradiction between the sales value capped by the system and the value retained by the notaries at the time of the donation constitutes a major obstacle to the donation of goods purchased under the PSLA system. He questions her about the measures she plans to take to remove this barrier to donation and the value she plans to retain so that access to housing via the PSLA system is made as fair as possible.

Machine translation from French. The official text remains authoritative.

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