What Kind of Loan You Would Prefer

The Housing Action Loan, formerly known as the 1% employer loan or employer loan, is intended for employees of non-agricultural private sector companies with at least 10 employees. The employer, by contributing to the Inter-professional Housing Fund (CIL), offers the possibility to its employees to benefit from this loan particularly interesting thanks to its advantageous rate.

Loan Action Housing

  1. Loan Action Housing: rate, amount and duration
  2. How to benefit from the Housing Action Loan?
  3. Apply for Housing Action Loan
  4. Other useful information
  5. Your questions / Our answers

To remember

To be employed or retired from a private non-agricultural enterprise of + 10 employees

  • Priority for first-time buyers
  • For a principal residence or work
  • For the acquisition of new or old housing
  • Rate capped at 1% over a maximum period of 20 years

Loan Action Housing: rate, amount and duration

Loan Action Logement is a loan issued by the organization that collects employer contributions from a non-agricultural company with more than 10 employees. Its rate is less than 1% and the duration of the loan is between 5 and 20 years.

It is therefore a supplementary loan that cannot be subscribed alone (except for certain works). As a result, some banks consider payday loans australia as a contribution, it can even be used to pay notary fees.

Feel free to do a mortgage simulation and ask for our advice!

How to benefit from the Housing Action Loan?

To qualify for the Housing Action Loan, it is necessary that the Energy Performance Diagnosis (DPE) housing is included in A and D, otherwise the file will be refused.

Priority to first-time buyers

A first-time buyer is a person who realizes for the first time a real estate purchase, or who for more than 2 years does not own their principal residence (even if they have a second home).

The acquiring first-time buyer who wishes to acquire an existing principal residence that does not require work, will have to justify resources (RFR N-2) lower than the ceilings of the Social Accession Loan (PAS) to benefit from the Housing Action Loan. The conditions under which resources are not critical are as follows:

  • Construction or acquisition of a new dwelling respecting the energy performance conditions.
  • Acquisition of a dwelling of more than 20 years requiring works representing at least 20% of the final cost price of the operation.

Help for homeowners

Logement is a priority destination for first-time buyers. However, the owners have the possibility to obtain a grant of 5,000 to 10,000 € under the following conditions:

Professional mobility: the file must be submitted within 2 years of the change of workplace.

To find out if your work is eligible for the Housing Action Loan, do not hesitate to ask the collector organization of your company. It is this organization that establishes your file, defines its admissibility and calculates your debt ratio.