Real estate information and defense organizations Dijon

Based at the Marbotte Plaza, the Côte-d'Or Chamber of Notaries is now one of three chambers of the Chambre interdépartementale des notaires de la cour d'appel de Dijon, which covers the departments of Côte-d'Or, Haute-Marne and Saône-et-Loire. The president of the interdepartmental chamber is assisted by three vice-presidents. This is a national reorganization that groups chambers by legal region. As far as the Côte d'Or is concerned, nothing has changed for the practical side of the notaries' clientele. Maître Nicolas Taiclet, notaire in Nuits-Saint-Georges, is vice-president of the Côte-d'Or.

In addition to the notary's institutional role in drafting real estate deeds and arbitrating family law disputes, he also has an often overlooked advisory role. With their technical, tax and legal knowledge, notaries can meet with you, usually free of charge, to advise you and answer your questions about the family, real estate price trends and the pitfalls to be avoided.

The notary puts your interests first, and guarantees the legal security of your deeds. The Côte-d'Or Chamber of Notaries, which has a network of 147 notaries working in 61 offices, also organizes open days and local universities, bringing together all the Chamber's Côte-d'Or staff for training on new legislation and on-call duty.

The notaries' website - immobilier.notaires.fr - provides access to a barometer of prices for existing properties, as well as a wide range of exclusive advice and services, such as Immo-Interactif, interactive sales held over the Internet in the form of auctions reserved for pre-selected potential buyers.

Need help or advice to buy, rent, build or renovate? Action Logement, which collects the Participation des Employeurs à l'Effort de Construction (PEEC, formerly 1% logement) from companies with more than 10 employees, offers a whole range of services and assistance to facilitate access to housing, and thus help students, work-study students and employees of non-agricultural private-sector companies to find a job. Specific offers exist for employees in the agricultural sector, consult Action Logement. Around 8 out of 10 French people are eligible for at least one form of assistance offered by Action Logement.

CIL-PASS ASSISTANCE® : assistance for employees in the private sector (including the agricultural sector) facing personal and/or professional difficulties that are creating a financial imbalance or making it more difficult to maintain or gain access to housing. This assistance is free and confidential (conditions in branch).

MOBILI-JEUNE aid: Action Logement provides a subsidy of up to €100 per month for the duration of a training contract for people under 30 on a professionalization or apprenticeship contract. The application must be renewed every year, conditions in agency.

Home improvement loan: also available subject to conditions, this loan finances all or part of home improvement projects (conditions and list of eligible projects available from the branch).

Accession loan: issued subject to conditions, this contributes to the acquisition or construction of a new home, or the purchase of an existing HLM home. The maximum amount is 40,000 euros at a reduced rate of 0.5% (excluding compulsory insurance) over a maximum repayment period of 25 years.

LOCA-PASS® advance: interest-free repayment of the security deposit required on moving in.

VISALE: rent and service charge guarantee for private housing. It covers unpaid rent for the duration of the lease for private-sector housing. Visale is open to all young people under the age of 31 and employees aged 31 and over, subject to a means test and depending on the type of employment contract. Visale also covers all young people under the age of 31 living in collective structures, as well as students and work-study students living in social housing.

Work-study scheme: https://alternant.actionlogement.fr/. This site, set up in conjunction with the Regional Councils, provides an exhaustive list of all the assistance available to work-study students (housing, transport, sport, culture, etc.).

In addition Action Logement can support you throughout your career.

Action Logement has a reserved housing stock in Côte-d'Or, and especially in the Dijon area, for employees of non-agricultural private sector companies.

Action Logement offers employees a real estate brokerage service, which searches through its financial partners for the solution best suited to your situation when purchasing a property. This service is personalized and free of charge.

Anah's mission is to implement a national policy for the renovation and improvement of existing private housing. It promotes quality and encourages work to be carried out, by awarding subsidies to landlords who undertake to comply with rent and tenant income ceilings, and to owner-occupiers with modest or very modest income. It can also intervene in favor of condominium associations and co-owners.

Since January¹, 2022, France Rénov has been the single point of entry for all energy renovation and home improvement projects: france-renov.gouv.fr and a single telephone number: 0 806 703 803. For the Dijon metropolitan area, the France Rénov one-stop shop is Rénovéco www.metropole-dijon.fr/Services-et-missions/Renoveco-Dijon-metropole

What ANAH assistance am I entitled to?

The ANAH offers a wide range of grants to help low-income households, whether they are owner-occupiers or lessors, to improve their homes:

Energy renovation: MaPrimeRénov' finances energy renovation work in your home, to enhance comfort while significantly reducing energy bills. The work financed can concern a single-family home, an apartment or the common areas of a condominium.

MaPrimeRénov' can be used to finance: major renovation work (insulation, heating, ventilation) to improve energy efficiency by at least 2 labels, the installation of more environmentally-friendly heating systems (heat pumps, pellet boilers, solar water heaters, etc.), or the renovation of your condominium. Find out more at www.anah.gouv.fr/document/brochure-maprimerenov

Adapting homes for independent living: from 2024, the Agency will be rolling out a new single aid called MaPrimeAdapt' to replace the current aids (Habiter facile, Habitat et cadre de vie and crédit d'impôt). The aim is to simplify the process of adapting homes to enable as many people as possible to live better at home. More information at www.anah.gouv.fr/document/brochure-maprimeadapt

Treatment of run-down housing. Work is needed to make your home safe, comfortable and healthy. This may involve installing or renovating water, electricity or gas networks. Or the installation of a bathroom and toilet. It may also involve reinforcing foundations or replacing a roof.

Financial assistance for condominiums: MaPrimeRénov Copropriété finances work to improve your condominium's energy consumption. It's open to all co-owners, regardless of income, whether they occupy their home or rent it out.

More information at www.anah.gouv.fr/document/brochure-maprimerenov-copropriete

For further information, call 0 808 800 700 or visit france-renov.gouv.fr

The Côte d'Or Family Allowances Fund manages aid to families, but also intervenes in the area of housing and the fight against precariousness. In terms of social action in terms of habitat, the objectives of the CAF are to promote access and maintenance in housing.

Run by the Bourgogne Énergies Renouvelables (BER) association, the Espace Conseil France Rénov' de Côte-d'Or, a public service mission, answers questions outside the 23 communes of Dijon Métropole about energy renovation for single-family homes and condominiums. These energy renovation centers offer objective, independent and free advice on renewable energies and energy efficiency in the home. What techniques are available, and what financial assistance is available? The strong point: objective information. There's nothing commercial here: we don't prescribe a company, but inform you about the techniques, their advantages and disadvantages. A highly recommended approach before starting any work on your home.

Espaces Conseil France Rénov' has more than 40 advisors throughout Burgundy Franche-Comté, including 5 in Dijon, who answer your questions by telephone. For more complex questions, don't hesitate to make an appointment. Thematic brochures and the Guide du Bâtiment économe en énergie are also available. Site visits are offered, and can be complemented by meetings with people who have chosen the recommended solutions, or with installers and craftsmen, providing a rich, practical and, what's more, very convivial learning experience.

Since 2015, Espace Conseil France Rénov' has been offering specific assistance to condominiums via the www.coachcopro.com platform, a support service for building energy renovation projects. Conseils syndicaux, syndics de copropriétés, this free and independent web platform will be able to support you from A to Z.

Espace Conseils France Rénov' de Côte-d'Or, the gateway to the Effilogis scheme. The team helps owners of single-family homes and condominiums carry out renovation work to achieve the BBC standard.

Espace Conseil France Rénov' de Côte-d'Or is a partner of the department's three energy renovation platforms (Dijon métropole's RENOVECO, Pays Seine-et-Tille and Pôle rénovation conseil du Pays Beaunois).

Habitat et Humanisme Côte-d'Or has existed since 1995. This association is a member of the national federation Habitat et Humanisme, which is recognized as a public utility and has 56 associations and more than 9,800 housing units and 47 EHPAD. It offers housing to people who have difficulty finding a place to live, and provides them with support. To date, Habitat et Humanisme Côte-d'Or has 89 homes, either acquired by the national housing company or entrusted to it by private owners. More than 230 families have been rehoused since its creation. The association is constantly looking for housing and volunteers.

The property is managed in partnership with Isba-Dijon, which is a social real estate agency. The association ensures the regular follow-up of the housing, which is reassuring for the owner, and a technical follow-up: proposals for improvement, small works realized by volunteers of the association. The association is piloting the construction of a 24-unit Maison Intergénérationnelle Le Trait d'Union located in Chenôve.

Pimms Médiation Dijon, Point Information Médiation Multiservices, is a social mediation association created in 2000. The mediators of Pimms Médiation Dijon are employees in the process of professional integration. They carry out mediation missions to meet the needs of the founding partners EDF, Enedis, Keolis Dijon Mobilités, La Poste, SNCF TER BFC and Suez as well as the needs of other institutional partners. The mediators are recognizable by their green vests.
They accompany users on public transport (train, bus, streetcar and school bus) to facilitate their journeys. They welcome them at the Divia commercial agency and in the post offices.
They provide support to the people of Dijon in their daily tasks: administrative assistance (CAF, prefecture, etc.) but also to understand their bills for example. Through their help with administrative procedures, the mediators promote digital inclusion. Finally, the Pimms Médiation Dijon runs workshops on energy cost control through eco-actions. These awareness-raising actions are carried out in connection with the ecological transition policy of social landlords and the city of Dijon.
To be assisted by a mediator in your efforts, make an appointment by phone at 03 80 42 11 59.

Urbanis is a private consulting firm with more than 40 years of experience in advising local authorities on their housing policy, local housing programmes and programmes for the rehabilitation and renovation of old housing (Opah and Pig). The regional agency has three branches in Auxerre, Chalon-sur-Saône and Dijon, with 27 employees (social workers, architects, thermal engineers, town planners, etc.) and works for many local authorities in Burgundy-Franche-Comté. She is also an operator and project management assistant for private individuals within the framework of their housing rehabilitation projects with Anah, Action Logement (Voluntary Investment Plan) or the Region (Effilogis). The design office also provides assistance to co-ownerships (trustees and trade union councils), always in the form of project management assistance in the context of energy renovation projects. The aim is then to help the co-owners to define their work projects, to surround themselves with the right contacts (in particular by putting the project managers in competition with each other) and to optimise the projects financially (search for available financial aid). Urbanis also assists local authorities who wish to do so in observing condominiums and defining strategies adapted to the problems encountered, in connection with the funding and programmes made available by the State to help manage, define and implement work programmes on fragile or ailing condominiums.

Adil 21: ADIL (Agence Départementale pour l'Information sur le Logement) is an indispensable resource and information center for anyone looking to build, buy, sell, rent or renovate! Consult the legal experts at your ADIL: they'll give you free, neutral, high-quality advice on legal, tax and financing issues. Thinking of buying a property? ADIL can offer you a personalized financial study (access to PTZ, tax credits, etc.), and help you examine the legal framework for your purchase. Are you a tenant or owner? Adil's team of legal experts is on hand to provide you with information on housing legislation and case law. If you're a co-owner, Adil can explain how co-ownership works and the role of the various players involved. The association's aim is to provide you with all the information you need to make an informed decision. Personalized advice by appointment.

Adil advises on home renovation and adaptation. If you live outside Dijon Métropole, Adil 21 will check whether you meet the ANAH's means-testing criteria for the various energy renovation grants, and will direct you to energy renovation operators.

At the same time, Adil 21 acts as a "gateway" for adaptation assistance.

Adil 21 can also help youwith the PSLA homeownership scheme in Dijon. This social loan is designed for low-income households. From being tenants of their own home, they gradually become homeowners. The scheme offers numerous advantages (reduced VAT, capped selling price for the purchase of the home, exemption from property tax for 15 years) and protects the buyer: buy-back guarantee, resale insurance, rehousing guarantee. As with all home-ownership projects, Adil can advise you on your PSLA projects.

For furtherinformation, contact the Dijon Métropole Housing Department on 03 80 50 35 30.

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

As part of the sometimes complex process of energy transition, Copros Vertes provides free training and information on eco-renovation for co-owners and property managers. The aim is to make it easier to get the work done, and to dispel preconceived ideas. Created by the Fédération Nationale de l'Immobilier (FNAIM) and the Association QUALITEL, the national Copros Vertes movement supports condominium owners in their energy renovation initiatives.

For over 120 years, the UNPI (Union nationale de la propriété immobilière) has been working to ensure that property owners' rights are respected. The Union offers its 250,000 members - owners, occupiers, lessors and co-owners - a wide range of advice, particularly on the precautions to take when drawing up rental contracts. It also offers legal assistance in the event of unpaid rent and advice on all real estate matters. The UNPI works with government departments, institutions and all housing-related commissions to defend the interests of property owners.
TheUNPI BFC is backed by the professional advice of its partners: lawyers, notaries, bailiffs, architects, accountants, insurers, banks and construction companies, particularly in the energy sector. UNPI offices are free of charge and without restriction, and the annual membership fee is deductible from property income.
UNPI regularly organizes conferences with specialists on topical issues. Communication is very important to UNPI. Its members subscribe to the magazine 25 millions de propriétaires, and the website and Facebook account provide many opportunities to find out more about the Union, especially in Dijon!

When it comes toenergy-efficient renovation of condominiums or individual housing for owner-occupiers and landlords, members benefit from the experience of the UNPI, which works closely with all the organizations involved in this vast subject, which requires a full understanding of the issues in order to make the right decisions.