In France , the Social Accession Loan is a loan subsidized by the state 1 in order to allow the greatest number to access real estate property. It is subject to social conditions: it must respect a ceiling of resources according to the situation of the purchaser, but also that the project meets certain criteria. It has the advantage of integrating a security allowing a temporary lowering of the monthly payments in case of unemployment and being able to cumulate with a loan with zero rate . It can also open the right to Personalized Housing Assistance (APL).
The SAP finances new housing, the construction of a single-family house, the purchase of an old dwelling whether or not there is work and work to be done under certain conditions. The residence must be the principal residence of the borrower, the spouse or the ascendants and descendants of one or the other.
- ↑ http://vosdroits.service-public.fr/particuliers/F22158.xhtml [ archive ]