LA LOCATION ACCESSION SOUTENUE PAR DIJON METROPOLE - PSLA

The PSLA scheme enables households on a certain income to own their own home.

In 2023, the ceiling was €26,921 per year for a single-person household and €50,489 for a family of 5 or more.

The rent-to-own scheme offers a number of advantages:

households can remain tenants for a period of time freely defined by the parties ;

the sale price is regulated by the government and benefits from reduced VAT;

the property is exempt from property tax (taxe foncière sur les propriétés bâties - TFPB) for the first fifteen years;

monthly payments must not exceed the amount of the last rent paid during the rental phase;

Re-housing guarantee (means-tested). If the purchase option is not exercised, the HLM operator must propose at least three alternative housing solutions by registered letter with acknowledgement of receipt within six months. The occupant has one month to respond. Failing agreement, the occupant must leave the premises. Conversely, if one of the rehousing proposals is accepted, the occupant continues to pay an occupancy indemnity equal to the rent less the amount earmarked for the acquisition, while waiting to move.

Buy-back guarantee. Once an owner, the occupant can resell the property at any time. If necessary, they can repay their loan early without incurring early repayment penalties.
To protect occupants in the event of need, the PSLA mechanism includes a buy-back guarantee that runs for 15 years after the option is exercised, until the loan is repaid. This guarantee must be activated at the borrower's request within one year following a transfer, divorce, unemployment, death or disability.

PSLA purchases can be made from operators and housing cooperatives belonging to the HLM movement that have been granted the corresponding approvals. The Dijon metropolitan area has thus approved 200 housing units for 2023 within the real estate programs of 4 partner developers and landlords: Aqisia by Habellis, Odifis by Orvitis, CDC Habitat and Ghitti, a private developer.

Action Logement also assists employees in this process, and offers a loan for home ownership when the option is exercised, subject to certain conditions. For further information, visit actionlogement.fr

Full information can be obtained from the ADIL (Agence Départementale d'Information sur le Logement). Information ADIL ✆ 03 80 66 28 88, or Dijon Métropole housing department ✆ 03 80 50 35 30 and on www.metropole-dijon.fr/Services-et-missions/Habitat/Location-accession