It is not uncommon for a couple of borrowers who meet all the conditions to qualify for the employer loan to get help on their own. The right to the Action-Logement loan (called since 2010) is indeed attached to the employee and not to a real estate project. However, restrictions may be imposed by the collecting company or body in the attribution rules .
Reminder of the conditions of obtaining
As part of the purchase of a home, it is possible to obtain a maximum loan of € 10,000 to € 25,000 depending on the sector of acquisition (the amount may be increased if you are the object of a professional transfer ).
If you are a couple and you benefit from two employer loans, please note that their respective amount must not exceed one third of the purchase price, including notary fees. This amount is limited to € 10,000 for renovations.
Concerning the employee
To benefit from the employer loan, you must work in a company with more than 10 employees. Your income must be less than the Social Rent Locative Accession ( PSLA ).
Note : persons retired for less than 5 years and non-salaried workers who rent social housing can also benefit from it.
The dwelling must be used as a principal residence. If you are a homeowner and considering a job, the job must meet one of the following requirements:
- To enter the framework of the works subsidized by the ANAH the National Agency of the Habitat.
- To be aimed at improving energy performance
- Bring on expansion (of at least 14 square meters) or improvement of existing dwelling .
Note : the employer loan can be used to redeem the spouse’s share in case of divorce.
The decision belongs to the entrepreneur
The employer freely decides to allocate all or part of the available envelope to rental housing or to home ownership.
Thus, in the case of joint applications by a couple of borrowers , the request may only result in one of them because of the policy pursued by one spouse’s business (allocation of funds rental assistance).
On the other hand, be aware that it is possible that by the time you make your request, the available envelope has been distributed in full.
Finally, the rules of attribution flat to the head of company, this one can entirely decide to refuse the aid to the borrowers whose husband would already benefit from a loan Action Housing. It is therefore necessary to inquire with the company to know its policy of attribution in matter of employer loan.
An example of attribution: employees of the electric and gas industries
Action Logement loans for the 170,000 employees of EDF or GDF are managed by Cigere Energies. The share allocated to home ownership is reserved for a first-time homeowner (except in the case of a professional transfer in a new geographical area). Some of these aids are called ” open rights “, ie they do not require any agreement from the hierarchy.
- Tenants : access to social rental housing, guarantee and advance Locapass
- Owners : financing of works up to € 10,000 (€ 16,000 if adapting housing to people with disabilities)
- Candidates for accession : loans up to 35 000 €.