LA LOCATION ACCESSION SOUTENUE PAR DIJON METROPOLE - PSLA

The PSLA enables households to own their own home, subject to income conditions.

In 2024, the ceiling was €37,581 per year for a single-person household and €95,739 for a family of 5 or more.

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

households can remain tenants for a period 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 relocation 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 of 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. In 2024, the Dijon metropolitan area will have approved almost 100 housing units within the real estate programs of 4 partner developers and landlords: Aqisia by Habellis, Odifis by Orvitis 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