Financing social housing with the High-Level Loan (PHB 2.0)

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The financing described in this section complies with state aid regulations and therefore does not involve any aid elements.

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The second-generation high-level loan (PHB 2.0 Loan) aims to support investments by social landlords, whether they are social housing organizations or organizations approved for insertion project management.

In partnership with Action Logement and the State, the Banque des Territoires offers you this long-term loan with advantageous financial characteristics. For the first 20 years, the interest rate is 0% with a total deferral of capital amortization. Then, for the next 10 to 20 years depending on your project, your interest rate will be aligned with that of the Livret A +0.60% and applied with constant amortization.

For social housing organizations (OLS)

The three tranches of PHB 2.0 apply only to new production (construction, acquisition, VEFA, acquisition-improvement) of approved PLAI, PLUS, and PLS housing. There is a particularity for the PHB 2.0 tranche dedicated to green constructions: simple acquisitions and acquisition-improvements, not so…