This situation may repeat itself he said

Inefficient, expensive, unreadable... As the Secretary of State for housing Justice put devices in place by his predecessors to encourage access to property. Benoist Apparu the repeated it professionals and visitors to the Salon of real estate, to inaugurate today Perhaps. But the maquis is such, between the deduction of loan interest, the loan rate zero doubled, or even tripled, Pass-land, VAT at 5.5... that montages of projects are no longer within reach of all. Worse, the measures are changing every six months. Pass-land, complex and unevenly implemented work according to the city where the housing is built gradually moved to. 10,000 of these loans were granted in 2009, 30,000 are announced before the end of the year 2010. But this date will mark the end of this system. Tax on loan interest credit voted in Act undergoes Tepa, him, since its inception, critics of professionals: little solvabilisateur, expensive, 1.5 billion euros budgeted in 2010. It might also disappear.

However, admittedly well, many of these measures strengthened in December 2008 the announcement of the stimulus package have played their role as "shield crisis." They have helped save the real estate industry, the sector of building and thousands of jobs. With buyers, the major beneficiaries were investors in Scellier indirectly subsidized 25 for the purchase of housing units for less and less creditworthy tenants. On the 106.300 new homes sold in 2009, 69,000 have been under this rental investment regime, and 37.300 as principal residences. 65 for the first, 35 for the latter, while traditionally and outside the crisis period, these figures are balanced 50 - 50. Despite the encouraging political messages to become owner and the arsenal in place, "the home ownership is down." "This figure of 35 is the lowest recorded fifteen years", says Marc Pigeon, President of the Federation of builders sponsors (TDC).

Declining effectiveness

In his edition of March 2010, the "Habitat News" magazine published by the National Agency for information on housing (Anil) indicates yet a "social accession in 2009 embellished", a sign that aid have played their role, at least in the intentions of purchase. "About 15,000 real estate projects were studied by the Councillors of ADIL, or 3,000 more than in 2008", can last year, be read. The majority, they came from "households of which the debt capacity is strongly dependent on the solvency by public aid", yet says the text. Thanks to the reduced VAT related to Pass-land or proximity to an urban renewal area, as well as to the doubling of the loan rate zero, including 71.000 households have benefited in 2009, those who purchase for the first time have seen lower rates of financial effort. "The number of customers primoaccédants jumped by 59 between 2008 particularly bad year, Editor's note and 2009." "Public aid enabled us to reach buyers with below average income by 9 to the resources of those who purchased in 2008", said Bruno Corinti, Delegate General Manager of the housing of the promoter Nexity pole. "Last year, two-thirds of our first purchasers had less than thirty-five years." "Some earned not more of a minimum wage and a half", said his side Philippe Jossé, Director General of the Bouygues real estate Housing Department. All AIDS mortality, - including Scellier-, the share of sold new homes "without" reached in 2009 than 7 of the total in these two promoters. Eligible government measures households, bonus, benefited from an improvement of housing conditions. In 2009, the selling price of housing has fallen slightly while interest rates were "historically low levels", said Laurent Quignon Economist at BNP Paribas.

But the State is not only to intervene. At his side, voluntary or forced, local communities were accompanied by the movement and also hand pocket. "In 2009, they have spent 1.7 billion in concessional loans or assisted construction, from 967 million in 2000." "This"local"support is yet modest with growing commitments of the State, representing EUR 23 billion in 2009, against 19.6 in 2000," describes Michel Mouillart, Professor of Economics at Paris X-Nanterre. "These"crutches"have always existed, and particularly in the new housing market." "However, in a context of decline in activity, it is noticeable more", he says. For Jean-Claude Driant, Professor at the Institute of urban planning in Paris and author of a book on "The politics of housing in France" (), the Government actions are "a classic of the stimulus policies." "It has experienced a similar scenario in the middle of the 1990s, after the real estate crisis." It was at this time that has been created the PTZ to the primoaccédants and the Périssol for investors. When the real estate market is distributed, that prices were up, the first remained on the road. "This situation may repeat itself", he said. The study of Anil shows also that the weight of this free credit in the purchase of housing nine decreased by more than half in ten years, from 10 of the price of purchase in 1996, 4 in 2006. Even at this level, added to other aid, it provides an opportunity "for modest households cross the walk which leads to the property and freeing up spaces in the social rental Park", Note Bernard Vorms, Chairman of Anil.

In 2009, the effort spent by the State housing would, according to Michel Mouillart, represented 1.93 of the gross domestic product (GDP), 1.80 in 2007. "It is the highest level seen for twenty years, and it is expected to continue in 2010", provides for the Economist. For Bernard Vorms, "the State aid are term to become increasingly short-term because the movements of interest rates able to significantly vary the solvency of the household". While the PTZ doped version and Pass-land will be eliminated on 30 June and 31 December, the Government Board today on further measures. The presentation of the reform of the aid will help to know in which direction the Government directs its policy: a redistribution intended for the more modest primoaccédants, support to the sector or the relief of public expenditure