Real estate loan: first-time buyers eligible for APL again in 2025?

Disappeared since 2019, the accession APLs, reserved for modest first-time buyers, could make their return in 2025. The deputies adopted, in the finance committee of the National Assembly, an amendment to the finance bill for 2025 establishing the return of this assistance system for granting a real estate loan.

• 
  

  To safeguard
  

  
  
  

  Saved
  

Are they making a comeback? Disappeared since 2020, “accession” personalized housing assistance (APL) – a system for subsidizing monthly loan payments intended for low-income first-time buyers – could resurface next year. The left-wing deputies – socialists and communists – had an amendment to this effect adopted in the finance bill (PLF) for 2025, in the finance committee of the National Assembly. An additional annual expenditure of 50 million euros which could benefit 30,000 new households, in addition to the 300,000 households who had contracted this aid before its disappearance, and from which certain overseas buyers still benefit.

The measure will, however, have to pass the test of possible activation of article 49 paragraph 3 of the Constitution, allowing the government to pass its budget without a vote by parliamentarians and in its unamended version. “Very many accession projects are called into question in the absence of this aid, regret the deputies. Payment of the APL accession is one of the conditions for the success of their project, the financing of which is obtained and secured thanks to this additional contribution.”

155 euros APL on average

The New Popular Front thus intends to facilitate access to credit for low-income households, both in old and new buildings, throughout the country. In their previous version, accession APLs, granted by the Family Allowance Fund (CAF), were conditional on a resource ceiling: approximately 14,000 euros of reference tax income for a single person and 26,000 euros for a couple with two children. As for its amount, it could represent a quarter of the household’s monthly loan payment, with an average of 155 euros per month.

In addition to first-time buyers, tenants could also benefit from a strengthening of APL. Green MP Danielle Simonnet managed to pass an amendment to the PLF in order to increase this housing assistance by 5 euros per month, thus erasing the cut made under the government of Edouard Philippe in 2018.