Faced with an increasingly difficult search for housing for low-income households, all the nudges are good to take.

In parallel with traditional aid, there is an actor that we do not always think of: Action Logement.

If you are an employee of the private or agricultural sector and your resources do not exceed certain ceilings, it is in your interest to find out about your rights from this structure, through its recently renovated official portal: Actionlogement.fr.

Housing assistance

The State and the social partners have worked for a long time to promote access to housing for the less well-off workers.

Among other measures, all companies in the private sector and the agricultural sector with more than ten employees, for example, pay a contribution each year to feed a dedicated fund.

It is the participation of employers in the construction effort, known as PEEC.

And since 2017, Action Logement, a single collector, has been responsible for managing this money and using it wisely to help finance the construction of social and intermediate housing.

Moreover, this organization directly helps employees through various emblematic programs.

The famous Visale guarantee, which offers a rental deposit to people under 31, whatever their situation, and to people over 31 provided they are employees and have a salary less than or equal to 1,500 euros net monthly, is in particular an Action Logement system.

The same goes for the Loca-pass® advance, which consists of a 0% rate loan used to finance the security deposit for a rental, or for the Mobili-pass® aid covering certain costs related to the geographical mobility of employees.

Newly hired workers who receive less than 1.5 times the gross minimum wage can still benefit from an envelope of 1,000 euros to settle in accommodation obtained less than three months ago thanks to the aid My job, My accommodation, while that specific aid is reserved for workers in difficulty.

property aid

Do you want to access the property but are unable to complete your project?

Here again, Action Logement can come to your aid through financing advice or by granting you an advantageous home loan for a maximum amount of 40,000 euros, at a fixed rate of 0.5% (excluding compulsory insurance), subject to income ceilings and that the acquisition concerns a new property or one to be built, or an old HLM dwelling.

This loan can also be combined with another boost: an accession bonus of 10,000 euros reserved for first-time employees.

In the same vein, various work loans of an amount varying between 10,000 and 20,000 euros are also offered at a lower cost by the organization to owners who intend to renovate, enlarge or adapt their home to disability.

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