- Ile-de-France will help some of its inhabitants, who are seriously ill or have been sick, to borrow to buy their first property.
- Announced at the end of last year, the implementation of this device was acted on Thursday.
- This system is planned until the end of 2021 but "has a vocation to be sustainable," according to Valérie Pécresse.
An important boost. To allow its inhabitants, seriously ill or having been, to borrow to buy a first property, the Ile-de-France will bear the additional cost requested to insure their loan because of their state of health.
Announced at the end of last year, the implementation of this system was noted on Thursday by the signing of the first "Solidarity Real Estate Guarantee" agreements between the Ile-de-France region and CNP Assurances, the Postal Bank, the Bank Populaire Rives de Paris, Banque Populaire Val de France and Ile-de-France Savings Bank.
"The beneficiaries of the scheme must be first-time buyers"
In effect from August 25, this aid is intended to be complementary to the "Aeras" convention (to "insure and borrow with an aggravated health risk"). Created in 2007, Aeras is supposed to facilitate the obtaining of a loan or loan insurance for people knowing or having known a serious health problem.
Among the diseases concerned are, for example, HIV infection, severe forms of breast and prostate cancer, leukemia, chronic viral hepatitis or cystic fibrosis.
"The beneficiaries of the device must be first-time buyers for a main residence in Ile-de-France and also benefit from the" capping "device provided for by the Aeras agreement," it was stated in a press release.
Clearly, the beneficiaries of the regional system must also be eligible for the rate increase limitation mechanism provided by Aeras. This is open subject to means and for a loan of less than 320,000 euros, the insurance of which expires before the subscriber's 71st birthday.
3.7 million euros
The Aeras system "does not work well" because it is "too little known to the general public" and "only compensates for part" of the extra premium, whereas here it is a question of erasing the entire extra premium, said Valérie Pécresse, president of the Ile-de-France region, during a teleconference.
This share of additional premiums not covered by Aeras will therefore be absorbed by a regional guarantee fund of 3.7 million euros. This system is planned until the end of 2021 but "has a vocation to be sustainable," according to Valérie Pécresse.
"Other banking networks" must join the first signatory financial institutions "from September", she assured, estimating that "several thousand people" will be affected each year by this regional mechanism.
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- Disease
- Housing
- AIDS
- Valérie Pécresse
- Paris