Social accession loan (not): Conditions, amount and rate

What is the loan of social accession?

A loan to promote home ownership

The step is a mortgage granted to households with modest income. It allows them to become owners of their main residence by funding its purchase or construction. But also to carry out work to improve the conditions of housing or its energy performance.

The loan of social accession implies that the accommodation must become the main residence of the family no later than a year after its purchase or the end of the work. To be considered as main residence, accommodation must be occupied at least eight months out of 12, except in cases of force majeure or health reasons.

Real estate operations funded by the loan of social accession

The step allows you to finance either:

• the purchase of land and the construction of real estate on this land;
• the purchase of new accommodation;
• Work in existing housing to save energy, to enlarge it or to transform a premises into housing which was not intended for housing, provided that the amount of the work is at least equal to 4,000 euros ;
• The purchase of old housing and any improvement work (especially in the event of a disability situation).

Do not confuse with the PSLA (social loan rental accession)

The PSA should not be confused with the PSLA, which is another device for access to property for households with modest incomes, which is distinguished by its specific methods. Unlike the PAS, the PSLA combines the advantages of rental and home ownership.

What are the advantages of the social accession loan?

There are many advantages of PAS:

• Its interest rate is capped.
• PAS request file investigation fees cannot exceed 500 euros.
• A total absence of additional costs in the event of a modular loan.
• Notary fees are reduced.
• The loan must be guaranteed by real security exempt from land advertising taxes.

What are the conditions for a loan to social accession?

Income conditions

The social accession loan is reserved for people with modest incomes who wish to acquire or renovate their main residence. To benefit from it, it is therefore necessary to have income below certain ceilings, depending on both the location of the accommodation (zone A, A bis, B1, B2 or C) and the composition of the occupant.

Eligibility conditions for the loan of social accession

To be eligible for the PAS, you must be French or holder of a residence permit. In addition, it is necessary to occupy the property permanently throughout the loan repayment period (five to 30 years).

In certain situations (professional mobility, purchase for retirement, etc.), rental of the property temporarily (maximum six years from the date of completion of the work) is possible.

Resource ceilings to benefit from the PAS in 2025

The resources taken into account correspond to the reference tax income of all persons intended to occupy housing. The tax year retained is the penultimate before the date of issue of the loan offer (for a loan request in 2025, the reference tax income is that of 2023, appearing on the tax notice from 2024).

The income not to be exceeded in 2025 are as follows:

How to get a loan to social accession?

Find banking

Although this type of loan is available from many banks, it is important to compare available offers. Some banks may offer more competitive interest rates or more advantageous reimbursement conditions.

Also remember to check the additional costs, such as the case costs, as well as the proposed insurance, which may have an impact on the total cost of the loan.

Make your request for credit for accommodation

You must bring together several supporting documents, such as your salary slips, your tax notices, evidence of your monthly expenses, as well as documents relating to the purchase of the property (sales compromise or building permit if you are considering a construction).

It is advisable to prepare these documents carefully, because an incomplete or poorly prepared file can cause delays or refusal of your request.

Make a simulation and submit your request

Before submitting your loan request, it is strongly recommended to make a simulation of your loan capacity, to know the monthly payments to be expected and the reimbursement time. Many banks and specialized sites have online tools.

Once this step has been completed and if the conditions offered to you, you can submit your loan request to the chosen bank, accompanied by the necessary supporting documents.

Wait for the bank’s response

Once your request is submitted, the financial institution will carry out an in -depth analysis of your file. Depending on the complexity of your situation, this step can last for several weeks. If everything is in order, the bank will send you a loan offer detailing the conditions related to the loan.

Note that the total cost of your real estate project must include the price of the land, the work price, negotiation fees, local taxes, etc.

Accept the loan offer

This offer must be studied carefully, because it includes the exact conditions. You have a ten -day reflection period to accept this offer. Once the offer is accepted, you will sign the loan contract, and the bank will release funds.

Reimburse

Once the loan has been released, you will start to reimburse the amount borrowed in the terms of the methods set. Refunds are made over a long period (five to 30 years, or even 35 years in some cases). It is important to follow your budget closely to make sure you can honor the monthly payments without difficulty.

What are the amount of the social accession loan and the maximum interest rate?

The amount varies depending on the profile of the borrower

The amount of the social accession loan is not capped. It can finance the entire cost of investment. In practice, it is fixed in proportion to the borrower’s resources.

A fixed maximum interest rate or capped variable

Whether fixed or variable, the loan interest rate cannot exceed a maximum rate, fixed regulations. As of January 1, 2025, the interest rate of PAS at variable rate was 5.35 %. At a fixed rate, it is:

• 5.80 % for borrowing over more than 20 years;
• 5.70 % for a loan from 15 to 20 years old;
• 5.55 % for a loan from 12 to 15 years old;
• 5.35 % for a loan below 12 years.

Within these limits, the interest rate is modulated according to the duration of the loan and the financial establishment distributing it. A borrower will therefore have an interest in playing competition between several banks to select the most favorable offer.

How long is the reimbursement of the social accession loan?

Maximum duration

The loan is distributed by financial institutions having passed an agreement with the State. It usually lasts between five and 30 years, but can be extended up to 35 years.

PAS reimbursement conditions

The loan must be guaranteed in mortgage or deposit form, but it is exempt from land advertising taxes. The case fees are capped at 500 euros. During the reimbursement period, the accommodation cannot be:

• transformed into a commercial premises;
• assigned to seasonal rental;
• Assigned to rental in furnished more than four months a year;
• Used as a second home or as an accessory to an employment contract.

What differences between a social accession loan and an approved loan?

The main difference between the two types of loan lies under the allocation conditions. Indeed, the approved loan is not subject to resources, while the PAS is reserved for borrowers whose income does not exceed a certain ceiling.

The step is reserved for the financing of the borrower’s main residence, while the conventional conventional loan can be used to finance the purchase of a second home or even a rental property.

What banks offer the loan to social accession?

The loan to social accession (PAS) is an approved loan, which means that it can be proposed by several financial institutions approved by the State.

Traditional banks

Most major French banks offer the loan to social accession under certain conditions and with competitive interest rates:

• Banque Populaire.
• Crédit Agricole.
• Crédit Mutuel.
• Société Générale.
• BNP Paribas.
• LCL (Le Crédit Lyonnais).

It is recommended to consult several agencies or make an online simulation to compare the offers.

Savings boxes

Savings boxes are also major players in the loan proposal. They offer a range of financial products, including preferential rate property loans for first-time buyers and those in accordance with PAS income criteria.

Crédit Cooperative

Crédit Coopératif, which is part of the Banque Populaire group, also offers social accession loans for eligible people. It is an interesting option for those who prefer cooperative and solidarity financial institutions.

Online banks

Some online banks can also offer loans. However, it is important to verify that the establishment is well approved by the State to distribute this type of loan.

Public credit organizations

In addition to traditional banks, certain public or semi-public bodies, such as housing action or regional financing structures, can also offer loans to social accession in the context of specific assistance to home ownership aid.

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Can the step combine with other loans?

If the mortgage was signed after January 1, 2020, it is no longer possible to obtain APLs for new acquisitions funded by the PAS. On the other hand, the PAS can possibly be supplemented by a personal contribution, either other financing possibilities, such as a housing action loan or a relay loan pending the sale of the previous accommodation.