How the co -financed mortgage can collect the adhesion of buyers for the first time

The purchase of your first accommodation has become an obstacle course. Banking rate on the ceiling, high contribution requirements, waterfall refusal: buyers for the first time are the large victims of the current real estate block. However, there is a lever, not very used but perfectly legal: the Real estate loans were financed by the employer. This mechanism can reactivate thepropertyWithout public subsidies, without strong reforms, only by changing the corner.

First-accessories: excluded from the default credit

The figures are brutal: more than one in two of the buyers for the first time is now refused by the banks. In question, a interest rate Average greater than 3 %, combined with often insufficient savings to cover the additional costs and the contribution required.

In this context, the minimum external support changes everything. And this is exactly what this mechanism offers over 100 years: allow a company to deal with part of the interests of a mortgage contracted by its employee, as part of the purchase of his Main residence.

Immediate savings, a credit finally accessible

A concrete example: a banking rate of 3.85 %, with a 1 % employer care of € 100,000. Over 20 years, this represents € 15,712 saved. It is not a vague promise, it is a precise accounting mechanism.

Better: this help is compatible with other devices such as the zero loan –rateHousing action or certain regional aid. Therefore, it comes to an overlap in a custom -made purchase strategy, strengthening the solvency of the accentorous for the first time without imposing an additional debt.

Because companies have everything to win

Leale in a collaborator, help him find accommodation near the workplace, strengthens his territorial anchoring: so many indirect benefits for the company. For them PmeIn particular, it is a little exploited HR leverage that can make a difference in a recruitment strategy.

The act is also symbolic: helping an employee to become ownerIt is to support it in a structuring life project. This type of support weighs more than a bonus, because it has permanently changed the trajectory of a house.

A tax block to be unlocked urgently

The only brake? Taxation. The company that co -Financing pays 55 % of social accusations On the cured interest. An absurdity for a social measure. A I count Aims to reduce this rate to 20 %, limiting annual aid to € 3,709.44. This is not a cost for the state, but a high impact technical reform.

Above all because this device is now marginal, due to the lack of information and due to this tax block. By correcting this, the State could immediately relaunch thousands of purchasing projects now blocked.

A ready -to -use measurement

There is no need to create a new help: everything is already underway. It is sufficient to better inform employers, adapt the taxation and promote this hybrid model between private funding and general interests. It would also be a way to decentralize housing policy, enhancing local actors.

And unlike other long structural solutions to be implemented, it is activated tomorrow. Zero budget costs.

My opinion

The adhesion will not restart without concrete solutions for buyers for the first time. This funded credit is an intelligent, flexible and complementary lever, which requires only a small tax gesture to become a standard. Because allowing a new generation to access the property is also to guarantee a more stable, more committed and balanced company.

And you, what would you do if your employer helped you buy your accommodation? Tell in the comment, challenge your business and share this article with those who fight to convince their banker.

* Koliving.fr is an independent and non -affiliated real estate media to an entity that offers operational collping services. Access to koliving.fr is completely free. Its loan is based in particular on the display of strategic advertising and partnerships.