Still little known, the real solidarity lease (BRS) allows you to buy your main residence at a discounted price in a tense area. To achieve this objective, the system is based on the separation between land and buildings. The buyer only pays for the walls and rents the land at reduced rent to a solidarity land organization by signing a lease, for a period of between eighteen and ninety-nine years. “In Lyon, the middle classes can buy an apartment in Croix-Rousse with a view of the Tête d’or park or in the immediate vicinity of the Part-Dieu station at half the price compared to the market rate” , announces Renaud Payre, vice-president of the Greater Lyon metropolis. These households thus have access to new, well-insulated housing, located in popular neighborhoods, which they can finance with a zero-interest loan, but also thanks to additional credit from certain banks. “We have a lot of requests,” says the elected representative for housing, who hopes to keep the pace of 1,000 housing units per year.
A discount of 20 to 50%
But be careful, not everyone can claim it because the real joint lease is reserved for households not exceeding certain resource ceilings, which vary depending on the location and composition of the household (37,581 euros for a single person in zones A and ABis per example). In addition, real estate assets will be taken into account from next year. Not all programs are created equal either. “The price discount ranges from 50% for the most attractive sales to 20%, especially in Paris and the inner suburbs,” notes Guillaume Aichelmann, project manager at the CLCV consumer association.
As for the rent for the land, it varies from 1 to 2 euros per square meter per month, which can be revalued each year up to the rent reference index. “Certain cities agree to make an effort for a time on property tax to absorb all or part of this property rent,” specifies Guillaume Aichelmann. Despite everything, it will be necessary to anticipate this expense, which is added to the co-ownership charges as well as the loan repayment.
“This is one of the reasons why I do not recommend this system to my first-time buyers,” says Sophia Hbaz, director of financing at Cheval Blanc Patrimoine. “It is better to put this sum, or even a little more, into the repayment of a loan and purchase in full ownership to then be able to resell with a potential capital gain.” Because here is the problem: the property will have to be sold without any other valuation than that of inflation. In a bull market, buying another home could be complicated.
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