Neither the existing social stock nor the supply of housing at reasoned rent, offered as part of rental investment schemes, is sufficient to meet the housing needs of middle-class households or those with modest incomes.

To find suitable additional roofs, the State therefore decided to look for vacant homes through the “Affordable rent” system, also known as Cosse, from 2017. Five years later, and after figures in sharp decline , a new formula was born.

A disappointing record

According to the General Directorate of Public Finance (DGFIP), just over 10,000 owners signed up for this system in 2017, while only 8,000 new agreements were signed in 2020 and 2021. Overall, there were around 150,000 beneficiary housing in the year of launch, against 110,000 five years later.

However, the Ministry of Housing estimates that between 200,000 and 300,000 homes are actually vacant at present.

The priority is therefore to put them back on the market.

While the Pod was to disappear in 2022, it was given a second chance until the end of 2024, subject to an in-depth reform aimed at making it more attractive.

Exit “Affordable renting” and make way for “Loc'Avantages”.

Equal taxation

"If this program is so confidential, it is above all because it is based on a solidarity approach", explains Éric Groven, president of the real estate company Sogeprom.

And the promoter specifies: "While the much better known Pinel device allows you to increase your assets by buying a new property to rent it at a capped price, the Pod offers you to rent out a home you already own. at a social rate.

However, the interest was previously limited since the tax allowance depended on the type of agreement signed with the National Housing Agency (Anah) but also on the location of the property and the tax rate of the owners, which mainly benefited the wealthy.

As of March 1, 2022, a new tax reduction formula will restore “a form of equality since it is calculated solely on the gross rents collected”, comments Éric Groven.

This tax deduction amounts to 15% of the amount received for a rental in the intermediate sector and 35% in the social sector, regardless of the municipality.

Better, if the owner delegates the management of the property to an approved rental intermediary (most often an association), his tax reduction increases to 20% in the intermediate sector, 40% in the social sector and 65% in the event of rental in the sector. very social.

Better proportionate rents

Because generosity does not exclude profitability, Loc'Avantages also intends to better take into account the reality of market prices.

Among other black points, the Cosse device was also criticized for imposing rent ceilings that were too low in tense areas and too high in relaxed areas.

To put an end to the problem, the traditional division into zones A, B, C is therefore replaced by local scales based on the average prices observed in the city or district concerned.

To this end, the grids set up by the thirty Observatories of rents, which currently cover 50% of the rental stock in France, are taken into account in particular.

Once set by decree, the ceilings will also be revised every two years.

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The main thing to remember

Any owner of unfurnished accommodation, recent or old, and not already benefiting from another tax incentive scheme, can claim the "Loc'Avantages" scheme, as long as the tenant meets the conditions of resources and does not is not a member of his family.

Be careful, the law also prevents you from renting a thermal sieve since a certain level of energy performance must be achieved.

To get started, you must sign an agreement with the National Housing Agency (Anah) over six years, committing to apply a lower rent level of 15% (Loc1 level), 30% (Loc2) or 45 % (Loc3) at the local market price, in return for an equivalent tax deduction.

The request must be sent to Anah within 2 months of signing the lease.

Get more information from the official number 0 808 800 700 (not surcharged).

  • Immovable

  • Economy

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