Loans And Purchase Of Old Housing In Rural Areas – RHS Loan Programs

Mr. Bernard Fournier draws the attention of the Minister of Housing, Equality of Territories and Rurality regarding the opening of the zero rate loan (PTZ) for the purchase of old housing to be rehabilitated in rural areas. This measure, foreseen by the law n ° 2014-1654 of December 29, 2014 of finances for 2015, is intended to prelaunch the activity by works of rehabilitation and to preserve the attractiveness of the rural territories, by promoting the revitalization of the centers. Towns. The strengthening of the PTZ should promote homeownership, one of the keys to success for the revival of economic activity in the building sector. PTZ is also becoming the preferred tool for promoting home ownership. In mounting a loan,

Thus, about 6,000 communes were selected for their rural character, their level of services and existing equipment and their potential for housing to be rehabilitated that can be put back on the market. It is, unfortunately, a very small proportion of the rural communes of US, about sixty per department. In the Loire department, less than a third of rural municipalities are concerned. Many elected officials do not understand the criterion of level of services and existing equipment. Also the choice of municipalities benefiting from this PTZ remains very obscure, almost discriminating.

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The issuance of building permits in rural areas being largely controlled and limited, it is necessary to extend the scope of the PTZ to all rural communes. The objective would no longer be only to revive construction but to revitalize all rural communities by renovating old housing. He therefore asked the Government to indicate the Government’s intentions in this regard.

Response from the Ministry of Housing, Territorial Equality and Rurality

Mr. Bernard Fournier. Madam Minister, I would like to draw your attention, and that of the Government, on the opening of the zero-rate loan, the PTZ, for the purchase of old housing to be rehabilitated in rural areas.

As you know, this measure, foreseen by the law n ° 2014-1654 of December 29, 2014 of finances for 2015, is intended to prelaunch the activity by works of rehabilitation and to preserve the attractiveness of the rural territories, by favoring the revitalization of the town centers.

The reinforcement of the zero-rate loan should promote homeownership, which is one of the keys to success for the much-needed and expected revival of economic activity in the building sector.

This system is also becoming the preferred tool for promoting home ownership, as it brings households more solvency.

Thus, about 6,000 communes were selected for their rural character, their level of services and existing equipment, as well as their potential for housing to be rehabilitated that can be put back on the market.

If this is a first step, it is very clear that this device unfortunately only concerns a very small proportion of the rural communes of US, that is to say about sixty per department. In the Loire, less than a third of rural communes are retained.

Many elected officials do not understand the criterion of level of services and existing equipment. Also the choice of municipalities benefiting from this loan at zero rate remains very obscure, almost discriminating. It therefore seems essential to provide them with the most transparent information on the criteria taken into account by the State services for the choice of municipalities eligible for the zero-interest loan.

The issuance of building permits in rural areas is largely controlled and limited, as you know, it is necessary to extend the scope of the zero-rate loan to all rural municipalities. The aim would be not only to revive construction, but to really revitalize all rural communities by renovating old housing.

Madam Minister, the DGF of the rural communes is already, on average, half less than the DGF of the urban communes. In addition, the rural communes must bear the budgetary asphyxia resulting from a reduction of their endowments in the same proportions as that which affects the endowments of the urban communes. Finally, the rural communes will now be put in competition for the revitalization of their town center, unfair competition that you support, the Minister of Equality Territories and Rurality.

I will never cease to repeat it: rural communities deserve more consideration and consideration, and it is fundamental to guarantee a balanced development of territories. Therefore, Madam Minister, I would like to know your position on this subject and ask you to clarify the intentions of the Government in this matter.

Mr. President. Madam Minister, you have the floor.

Mrs. Sylvia Pinel, Minister of Housing, Equality of Territories and Rurality. Senator Bernard Fournier, you are asking me about the zero-rate loan, or PTZ, that the Finance Act for 2015 extended to the purchase of old housing, subject to the completion of renovation and rehabilitation work, in 6,000 rural communes.

First of all, I would like to point out that this provision is included in the stimulus package for construction and renovation that the Prime Minister and I submitted in August. This plan aims to act on all segments of the housing market. You mentioned the improvement of the zero-rate loan and its extension to old housing that we decided. This measure is a welcome aid for our rural communities, to allow them to rehabilitate their town center, their heritage and existing buildings, and avoid urban sprawl, a situation that I know well as a local elected.

In addition, we are pursuing a policy aimed at developing rural areas, improving the living conditions of their inhabitants and returning to a more balanced vision of land use planning.

The “PTZ réhabilitation” currently concerns rural communes with a significant potential for housing to renovate and a minimum of local or intermediate equipment, as defined by INSEE. It is therefore not a question of discriminating criteria, as you have indicated, but of cross-criteria taking into account the vacancy rate of the dwellings to be rehabilitated and the existence of a certain number of equipment, in order to ensure residents’ access to a minimum of services – these may be public or private facilities, such as a bakery, a post office or a school.

I understand your desire to extend the benefits of the PTZ to all rural municipalities. However, it seems necessary to me to be able to profit from a feedback of experience and an objective and transparent evaluation of the functioning of this first version of the device, in order to be able to appreciate at best its effectiveness and to be able to study a possible extension. You know, this device is only in effect since 1 st January 2015 and we therefore not yet known at this stage, sufficient evidence.

However, I can tell you, senator, that the first PTZs granted concern significant amounts of work, which makes it possible to ensure a certain level of activity for building tradespeople who are experiencing serious difficulties.

In addition, the policy we are pursuing for rural areas is coherent and comprehensive. Next Friday, on the occasion of the meeting of an interdepartmental committee, I will have the opportunity to present, with the Prime Minister, a certain number of measures that will allow a harmonious and balanced development of the downtown core of these municipalities. rural communities, while encouraging their economic and social development. This is the meaning of the call for expressions of interest that I launched in favor of the revitalization of the town centers to allow a generalization of the device.

As you can see, senator, my vigilance and my attention are total with respect to rurality.

Mr. President. The next speaker is Bernard Fournier.

Mr. Bernard Fournier. Minister, thank you for the very specific answer you gave me. I have noted that you expect feedback on this first phase before imagining an extension of zero rate loans to all rural areas. Anyway, we will remain very vigilant.

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