What if the shared funding became the standard to buy its first main residence?

Faced with the explosion of prices and loan rates, the purchase of accommodation becomes out of reach for thousands of French. And if the answer was neither in public aid, nor in a hypothetical drop in rates … but in a change of model? THE Shared loans of a mortgage, with a participation in the employer, could very well become the new tool ofproperty For buyers for the first time. What if it became the standard?

Divide the effort, restart the car

Because 100 % of the employee's shoulders weighs when the company can help it concretely to become owner ? Taking charge of the part of the Interest of the mortgageThe employer lightens the monthly payment, strengthens solvency and gives life to an often abandoned project.

This legal mechanism since 1921 has been opened Private sector In 2022 A net profit for the employee, without additional debts.

Homes, a strategic subject of human resources

For the company, it is a lever for human resources as powerful as it is unknown. In the tense areas, allowing their employees to find nearby accommodation is to obtain attraction, stability and loyalty. And for PmeOften closer to local realities, it is a differentiation tool in the face of large groups.

This support is not a simple bonus, it is a founding act. Helping an employee to acquire his main residence is to anchor him in a long -term dynamic. It is also to reposition the company as an active assets, able to act where public policies are fighting.

Taxation outside the step with the general interest

Today this help is suffocated by archaic taxation: 55 % of social accusations on the supported amount. A I countTransported by a transpartisan alliance, it aims to bring this rate to 20 %, with an annual ceiling. The goal is clear: to make this device a mass tool, not a rarity reserved for initiates.

The cost for the state would be zero or marginal. Earning for families, immediate. It is not an expense, it is a targeted tax optimization, with a high lever effect.

To a hybrid and durable model

Will the future of real estate funding pass through an alliance between employees, employers and public aid? This is the meaning of history. Combining zero loan –rateParticipation of the employer and devices as a housing action, we build a suit, robust, without excessive indexing.

This more flexible and more regulated hybrid model could become the norm in the years to come. The roles redefined: the executive state, the company supports, the employee invests. A more equitable sharing of risk, more realistic in a tense market.

My opinion

Making the company a co-actor of the property is not urgent. Because the classic models have shown their limits and the younger generations will not buy without innovation. The shared financing controls all the boxes: concrete, flexible, incentive. It is not an extra measure, it is a paradigm shift.

And you, would you be ready to buy if your business help you in the interest? Have you considered this possibility? Tell the comment, share this article and open the debate around you.

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