Albane Leprince 12:55 p.m., March 6, 2024

Alert on the individual house!

8 out of 10 French people dream of it, but with the rise in raw material costs in particular, it is a massacre among house builders... In 2023, 650 companies will have been placed in compulsory liquidation, i.e. 40% more than 'in 2022. Decryption.

The individual house, from dream to nightmare... In 2023, 650 builders of individual houses were placed in compulsory liquidation, i.e. 40% more than a year earlier.

Loïc Cantin, President of the National Real Estate Federation, justifies this massacre, "materials have increased, but the two main reasons are the sudden rise in interest rates and the tightening of the zero-rate loan, only on the collective ".

And the cascade of bankruptcies have had serious consequences for individuals...

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“This is our first purchase and unfortunately, it’s off to a bad start”

Indeed, several builders have closed down while many projects were still in progress.

This is the case of Emeric, in January, the company in charge of the construction of his house was placed in liquidation, "we were just at the framework" laments the Norman, "and even if the house is not is not finished, at the end of the year, we will have to pay the loan in full, plus our current rent", or almost 1,600 euros, impossible for him who quips "it's our first purchase and unfortunately, it's off to a bad start" .

Similar hassle for Claire who chose the same manufacturer.

His house cost him more than expected, “we are on a house for 180,000 euros and today we paid 210,000 euros”.

An additional 30,000 euros for this young woman who had to dip into her savings and today, “they still owe us certain things!”

she says, “we did not have our receipt report, we did not have our digital house log, our DPE, our certificate of conformity and the waterproof test”. 

“They will become simple creditors”

The icing on the cake, for many individuals, certain house builders, in financial difficulties, do not subscribe to the delivery guarantee, even though it is obligatory.

In this case, the injured customers "become simple creditors" according to David Rodrigues, housing lawyer at the CLCV, which means that they come "after the State, after the taxes, after the employees and they will not be able to have only part of the reimbursement of the sums advanced, if there is still money left!”