Promoting social homeownership

In the more or less strained context experienced by certain regions, households have fewer and fewer opportunities to access homeownership and are forced to move further and further away from their workplaces to achieve it.

This situation can only improve through proactive public initiatives, particularly through the indefinite perpetuation of social housing programs.

To optimize the effectiveness of public funding over time, and thereby mobilize communities on the issue of social homeownership, it is necessary to perpetuate public control of the housing created. The solution to the equation (public control and private access) is the definitive dissociation of land ownership from that of built properties, through the Bail réel solidaire, coupled with the intervention of a public body: the Organisme de Foncier Solidaire (OFS).

The property dissociation mechanism allows:

- to reduce or even neutralize the cost of land in the total cost of purchasing a property, particularly in strained areas where land prices are high. The savings on the purchase price of the property can reach 15% to 50% compared to market prices, allowing low-income households to become homeowners;

- through the conditions of the lease that binds the owner …