Mortgage rates that are no longer dropped and prices for old housing that are starting to go up … You are not helped in your dream ofownershipshared by four out of five French people according to Norbert Fanchon, president of the Gambetta real estate group, who was expressed as part of the HLM congress, this Tuesday, September 23. And if, instead of trying to buy an apartment in the private park, you turn to the social housing ?
Yes, social landlords do not only praise low -cost housing, they also sell them, in particular, to finance the construction of new goods. In 2023 (latest data available), 11,000 homes have thus been sold by social landlords to natural persons, according to the National Social Housing Control Agency (ANCOLS). However, the sale of social housing is made at prices “About 20% lower than those on the market”According to Action Housing, the ex-1% employer.
1 in 6 accommodation sold to individuals is sold by a social landlord
Admittedly, the tenants of the private park are not priority for the purchase of HLM vacant. These are first offered to tenants and guards of buildings of social landlords in the department. But, if no one is interested, you are lucky! Moreover, of the 11,000 social housing units sold to individuals in 2023, “The majority (5,800) was sold to buyers outside the social park”underlines the ANCOLS, the balance divided between the tenants who already occupied these HLM (3,100) and the other tenants and guards of the social park (1,800).
As a rule, “The distribution is schematically the following: a third of sales to occupying tenants, a third to tenants of the social park who do not occupy the accommodation sold, and a third to other people»»indicates to Capital the social union for housing. “From now on, One in 6 accommodation Sold to a natural person is sold by an organization HLM, against 1 in 10 to 1 in 15 still five years ago ”adds Norbert Fanchon, fall in new construction obliges.
Real estate: with € 300,000, you can buy 40m2 at best in Paris and in a single district
20% discount
Alice is one of these 5,800 lucky elected officials. Tenant in the private park in the Paris region, and wishing to become an owner, she spots on the Seloger site the announcement of a social landlord of her department, who sells a five pieces of 95 square meters, at a price of 505,000 euros. “It was 20% cheaper than free market prices in the department, where we could best buy a four rooms”welcomes this young mother.
His luck is that “No one wanted it because there was a lot of work to do” In this 1970s apartment, she explains. The 20% discount allowed Alice and her husband to finance some 35,000 euros in workshe is delighted to live today “Ultra qualitative, crossing accommodation, with real 11 square meters rooms”. The housing put on sale by social landlords must also comply with certain standards of “habitability”, and in particular energy performance, with energy consumption less than or equal to 330 kilowatt hours of energy per square meter and per year.
Real estate credit: the 4 regions where these profiles still obtain rates below 3%
Consult specialized sites
Alice bought an apartment but you can very well become the owner of an individual house in the social park. In fact, almost half of the 11,000 social housing units sold to individuals in 2023 have concerned houses or pavilionsobserve the ancols. And if Alice was windy for her opportunity via Seloger, it was rather by consulting the specialized sites BIENVEO.FR and HAVITAT.FR, and those of social landlords, that you can find shoe at your foot. “If the announcement ended up on Seloger, it is because the social landlord could not sell the apartment for six months”smiles Alice.
