Because SMEs should contest the interests of their employees

THE PmeThe silent engines of the French economy could very well become the new buyers' allies for the first time. In front of a market mutual Seanato by rates that are still higher than 3 %, a forgotten initiative is resurfaced: the management of part of the loan interest by the company. This discreet but effective mechanism could transform access to Main residence For thousands of employees.

An unknown but formidably effective economic lever

Since the end of 2022, companies in the private sector – including SMEs – can offer their employees a partially supported loan, lightening the interest rate By the capital borrowed. Concrete example: an employer who covers 1 % of an initial rate of 3.85 % of € 100,000 can save more than € 15,000 per employee for the entire duration of the credit. A direct economy, without hidden costs, which gives often tight budget breathing.

However, despite its potential, this lever remains marginal. Less than one out of one hundred in France uses it. For that? Because the social accusations imposed on this «advantage» slow down his adoption. The current invoice aims to correct this aberration by reducing the rate from 55 % to 20 %, making the system economically practicable also for small businesses and SMEs.

SMEs: social actresses underestimated in the housing crisis

The real estate market is not only a national question, but it is also territorial. However, these are often the Pmeradically rooted, who feel more hard the lack of accommodation accessible to their employees. When an employee renounces a position for lack of being able to host nearby, it is the productivity and stability of the company that suffers from it.

Facilitating thepropertySMEs can preserve their talents, guarantee their local position and strengthen their social role. It is not a gadget for human resources, it is an investment strategy in human capital. Above all because this device is compatible with other aid such as zero loan –rate or housing action.

Rethink the wage advantage with the cement

Offering a design desk or a Navispla room will never help an employee to buy a roof. Participate in his loan Main residenceIf. At a time when wage expectations are no longer limited to remuneration, SMEs have everything to be gained to integrate this type ofBenefit in nature In their strategy of human resources.

Above all because the equation is simple: a social cost reduced in exchange for a clear profit for the employee. This type of concrete commitment creates a strong link between employer and employee, much more powerful than a punctual bonus or a seniority bonus. It is a question here to build – literally – a common future.

My opinion

In a context of tension on housing construction and always discouraging bank tariffs, the SMEs have a master card in hand. It is neither a gift nor a charge: it is an intelligent investment. Because supporting their employees in their residential career is also to guarantee their growth. It is time for real estate funding to be no longer a commercial privilege of CAC 40, but a reflection for all local structures.

Do you think your business should be involved in your real estate project? Does this model seem to apply you on a wider scale? Share this article around you and open the debate in the comments.

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