Hard blow for the beneficiaries of the Accession loan! While it was set at 0.5% (excluding insurance), the Action Logement website reports that it will increase to 1.5% from 1is mars. Granted to people with modest incomes, this loan helps some borrowers to finance their real estate project.
Borrowing rates recorded on 02/18/2023
Good to know
The rate of this loan may change again. According to Action Logement, it: “ will benefit from March 1, 2023 from a fixed rate which may be adjusted by Action Logement Services if changes in market conditions so require ».
Who is this Accession loan for?
The Accession loan provides financial assistance of 40 000 € maximum for the financing of a real estate project. To benefit from it, the borrower must be an employee of a non-agricultural private sector company with 10 or more employees, and buy a dwelling ” on the metropolitan territory or in the DROMs. »
Another condition is that the accommodation must meet certain energy performance conditions if it is purchased new. And with regard to the acquisition of social housing as part of the HLM sale: the DPE (Energy Performance Diagnosis) of the housing must be between A and E.
Finally, some means test apply.
How to benefit from it?
If you meet these conditions and think you are eligible for this loan, you can test your eligibility by logging on to the Membership platform.
If you receive a positive response, you can then apply online by providing the supporting documents requested.
Attention
The maximum time to complete an application on the Accession platform is 30 days.
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from 2,30% over 15 years(1)
