Funded mortgage, a tax niche to activate urgently

When the purchase becomes a luxury, you have to look elsewhere. The mortgage remains out of reach for thousands of families due to the rate that exceeds 3 %. However, there has been a solution, legal for more than 100 years: the participation of the employer in the payment of interest. Unknown, this measure could finally take off if the state softens its tax framework. What if it were the most direct way to increase purchasing power, without inflatable wages?

A legal device but too taxed

The principle is simple: a company can co -financing the interest of the mortgage contract contracted by an employee to purchase his main residence. It is not a loan from the employer, but a concrete thrust on the rate applied by the bank.

Problem: this support is taxed as an advantage in nature, with 55 % of social accusations. Result: despite enormous potential, the device remains ignored by most employers. A I count Transpartisane plans to bring this tax to 20 %, with an annual ceiling of € 3,709.44 per employee. If it passes, everything could change.

The impact is immediate: a company that pays for 1 % of interest on a loan of € 100,000 allows its employee to save more than € 15,000 on the duration of the mortgage. It is a clear profit, without risk, without additional debts.

A solution made for SMEs

Contrary to popular belief, this system is not reserved for large companies. From the end of 2022, the Pme It can use it. For local structures, it is a powerful leverage of human resources: to keep an employee, strengthen their territorial anchoring, facilitate theirs Access to property.

And in a context of tensions on housing construction, in which finding a property at affordable prices near work is a company, this support becomes strategic. Do SMEs struggle to recruit? Here is a concrete topic, quantified, quickly activated.

This mechanism can be combined with existing help: zero loan –rateLoan of housing or even local subsidies. It is part of a tailor -made financial mix for buyers for the first time.

A tax corner

French taxation dissuades innovation. In this specific case, it bursts an advantageous system for everyone. Even if the state should not provide another euro. It would be sufficient to adapt an obsolete tax, set at a time when real estate interests did not have any accessibility problems.

This block is all the more absurd since the state tries to relaunch the propertyTo limit the voltages on the rents market and preserve the purchasing power. All these objectives are served by this measure, without weighing down the public budget. We are not talking about an effect on the manna, but of a simple fiscal capture.

Companies better aligned with real needs

To finance a gym or a transport subscription is good. Helping to become an owner is better. This device redefines what is a real salary advantage. Create a strong, direct and measurable bond between employer and collaborator.

In a labor market where expectations evolve rapidly, companies are interested in offering concrete. The accommodation remains a central topic, which causes anxiety, which weighs on every life decision. An employer who helps to cross this limit sends a clear message: «Conti here, we build with you.» «

My opinion

Leaving such a powerful tool to sleep in a tax drawer is an incorrect economic interpretation. This mechanism controls all boxes: efficiency, budget sobriety, immediate impact on purchasing power. Only a political gesture is missing to release it … because the relaunch of the property begins by stopping to penalize those who want to help.

Are you an employee? Talk to your business. Leader? Do the calculation. And you, do you think that this type of advantage can redesign the employer-dependent relationship? Comment, share and circulate information: it is a reform that requires only a green light to change life.

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