Question 43908 — housing: aid and loans

Summary

Mr. Guillaume Chiche questions the Minister of the Economy, Finance and Recovery on the housing savings loan (PEL). Thus, when a PEL was taken out before February 28, 2011, the contract holder can benefit from a State bonus which amounts to 1,525 euros if he takes out a loan, no amount requirement being specified. However, many people are unable to benefit from this state bonus. due to the rate of wear. Indeed, the Consumer Code provides for a maximum legal rate that credit institutions are authorized to charge when they grant credit, this is the usury rate. This rate varies significantly depending on the type of loan. The rate of the home savings loan was set in 2010 by the legislator at 2.5% + 1.7% maximum “management fees and financial costs”. However, the rates being particularly low at the moment and as this was not anticipated at the time, many savers cannot benefit from this state bonus. This is why he wishes to alert him to the arrangements planned to allow all people who have saved using a PEL to be able to benefit from this State bonus when they take out a loan; he asks her opinion on the subject.

Machine translation from French. The official text remains authoritative.

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