Towards a performance in force by the mortgage financed by the employer?

What if your employer became a key player in the property of your home? While the mortgage is not very accessible for many French, an old mechanism takes up: the care of part of the interest of the loan by the company. This lever, applicable to the purchase of A Main residenceIt could transform the equation for thousands of employees, including buyers for the first time.

A centenary device has been reported on the scene

Founded in 1921 by Sofiap, this mechanism was up to 2022 limited to the public sector. Recently opened to Pmeallowing companies of all the size to participate in the financing of their employees' accommodation. Concretely, the company supports a fraction of interest rate a mutualwhich can represent several thousand euros saved for the duration of the loan.

This support can be combined with already known devices such as the Zero rate loan (ptz) or the loan of housing action. However, few active people take advantage of it. For that? Because social expenses on this help are 55 %, making the system unattractive for businesses. A transpartisan invoice aims to reduce this rate to 20 %, finally making the economically practicable initiative.

Pressure died, a company in a position of referee

From the autumn of 2023, the interest rate They have slightly fallen but remain above 3 %, a still dissuasive level for many candidates for the purchase. The situation is even more tense when the real estate purchasing power has collapsed, due to a Persistent inflationof a savings mobilized to meet the increases in prices and the drop in loan periods.

The intervention of the companies in this context changes the situation. By absorbing part of the cost of credit, they restore employees a sufficient debt capacity to become owners. It is a tool of loyalty, but also an indirect response to the crisis of accommodationEspecially in the tense areas where adhesion has become luxury.

Accommodations in the center of the social pact of tomorrow

A redefinition of the company's social role is emerging behind this measure. Contributing to the purchase of a main residence, the employer not only supports purchasing power, but participates in the stability of his teams. However, an employee of the owner is often more rooted, less mobile, but also more serene financially.

The state has any interest in encouraging this development: it relieves public aid systems, accelerates access to propertyand limits the tensions on the rental park. The legislator must still follow. Because today, despite the obvious potential, the tax brakes break the boom in the funded mortgage.

My opinion

This mechanism has everything an advantageous tool for everyone: for the employee, it is an adhesion accelerator; For the company, a formidable leverage of human resources. And for the community, an intelligent way of relaunching real estate purchase without enormous budget expenses. It would be absurd not to correct an obsolete tax framework … because making accessible accommodation also involves social and economic innovation.

Do you think your company should finance part of your credit? Have you already benefited from such a device? Share your experience or ideas in the comments and circulate the article!

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