Faced with difficulties in accessing credit, access to property may be delayed. Real estate leasing solutions for rent with option to buy. Social employer offers can provide numerous advantages.
Rent your apartment before you can afford to buy it. This is the beginning of “real estate leasing” or lease with purchase option. We know of the existence of private companies in this niche, but the best opportunities can be found with social employers.
Social landlords actually offer the Social Rent Access Loan (PSLA). Most of the operations are for the new house with apartments and often even new houses.
The principle is based on a rental phase before ownership. This period is fixed in advance with the social employer but it is two years on average. Then you pay the equivalent of the rent and a fee every month for the purchase. At the end of this period, and even earlier if you wish, you can proceed to purchase. At that time, the popular monthly fee will be subtracted from the total price.
Many advantages
Throughout the process, there are many advantages. Rentals are limited, as is the purchase price. There is also the possibility of taking advantage of subsidized loans such as zero interest loans and reduced VAT on new properties. Finally, with the PSLA, you are completely exempt from property tax for 15 years.
However, this device is not accessible to everyone. It is intended for those who have difficulty accessing the property. There are therefore resource ceilings that must not be exceeded in order to benefit.
But a clear majority of the French remain eligible. For a couple with two children, for example, the ceilings vary from 63,000 euros of annual income in rural areas to almost 88,000 in tense areas.
The real limit lies in the complexity of finding offers. There is no common platform. You should therefore consult the websites of social employers in your region.