Buying a home 50% cheaper than the market: how to take advantage of this little-known tip

The National Assembly has just adopted an amendment to the draft budget for 2025 which broadens the scope of beneficiaries of the real joint lease, a system allowing you to become an owner at a greatly reduced cost.

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Buy your main residence 30 to 50% cheaper than market prices in tense areas, characterized by a demand for housing much higher than the supply, this is the promise of real solidarity lease (BRS). Established in 2017, this system is based on the dissociation of land and buildings : you only buy the housing, not the land on which it is built, which considerably reduces your acquisition price. And you rent the land to a solidarity land organization approved by the State, to which you pay a monthly fee of between 1 and 4 euros per square meter, for 18 to 99 years.

A device “promising”judge the socialist deputies, in the explanatory memorandum of a amendment to the finance bill for 2025, adopted in public session by the National Assembly on the evening of Thursday, November 7. This amendment aims to broaden the scope of beneficiaries of the real joint lease. An objective also pursued by the deputy Ensemble pour la République Daniel Labaronne and by his Horizons colleague Anne Le Hénanff, through identical amendments, also adopted by the National Assembly.

An extended real joint lease

Indeed, if it is not essential to be first-time buyer To benefit from the BRS, your resources must not exceed certain ceilings. For example, if you are a couple with a dependent child wishing to acquire accommodation in BRS in zone A bis (very tense), your reference tax income must not exceed 73,630 euros. In order to “allow more households to be eligible for this system”the socialist amendment provides that the resource ceilings for the BRS cannot be lower than those in force for the intermediate rental accommodation (LLI, halfway between HLM and private housing) and for properties rented in Pinel. In our example of a household of three people in zone A bis, the reference tax income not to be exceeded to benefit from low-rent housing in LLI or Pinel is 120,995 euros. The list of potential BRS beneficiaries will thus be considerably expanded if this measure appears in the final version of the initial finance law for 2025. “There is currently no precise estimate as to the number of (additional) beneficiaries who would be affected by this measure”responds the entourage of Daniel Labaronne to Capital.

The deputies thus hope “accelerate” the development of BRS, which still only totaled 1,865 deliveries in October 2023, during the last count carried out by Foncier solidaire France. Their ultimate objective: to relaunch a social access to property “today broken down, with a rate of owner-occupiers in France of 57.4%, which has not increased for ten years, while around 80% of French people wish to become owners of their home“.