Question 8911 — housing

Summary

Ms. Natalia Pouzyreff questions the Minister Delegate to the Minister for Ecological Transition and Territorial Cohesion, responsible for cities and housing, on the issues arising from the lack of accumulation of unpaid rent insurance and solidarity deposits. Article 55 of Law No. 2009-323 of March 25, 2009 on mobilization for housing and the fight against exclusion, provides that the security cannot be requested by a lessor who has previously taken out insurance guaranteeing the tenant's rental obligations. Except for the case of students and apprentices. This provision was intended to avoid the multiplication of constraints for tenants and to facilitate their access to housing. In reality, however, this measure proves to be counterproductive and becomes an obstacle to obtaining housing for some fellow citizens. In Indeed, the law allows insurers to reserve the right to refuse files when they consider that the applicant does not provide sufficient financial guarantees. However, regarding unpaid rent insurance, the policy generally applied by insurers is the refusal of all files from individuals finding themselves in an unstable professional situation: permanent contract during a trial period, fixed-term contract with less than 8 months remaining or still independent with less than 2 years of continuous activity. The refusal is understandable economically speaking, however this excludes, in fact, a large part of the workers and housing seekers. A situation which fuels recruitment difficulties and favors the development of scams and fraud, with applicants generally finding themselves in an emergency situation. The deputy questions the minister on what he is possible to put in place to overcome this problem. She asks him if it is relevant to review article 55 of law no. 2009-323 of March 25, 2009 which, in reality, weakens access to housing for many workers or if it is preferable to regulate the practices of insurers.

Machine translation from French. The official text remains authoritative.

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