Financing a building, a security deposit, construction or relocation, the aid offered by the device of 1% housing cover very different needs. The term "1% housing" is the common term denoting the involvement of employers in the construction effort (CCAP). This system, established in 1953 to help solve the housing crisis after the war, forcing the private non-farm of 10 or more employees to contribute 1% of their payroll to collection agencies. They then redistributed in the form of loans to employees of these companies or by financing the construction or rehabilitation of housing.
Since the device, the use of funds collected has evolved to better meet the needs of society. It is still divided, however, to building aid and aid to individuals. These have seen their scope expanded as some aid is no longer only reserved for employees of businesses contributing.
Facilitating access renting
Some aid is specifically dedicated to tenants. This is the case Loca-Pass, to facilitate access for rent. The advance Loca-Pass is a free loan which helps finance a deposit. It must then be repaid to the collecting body from the third month rental. Warranty Loca-Pass is, in turn, a valid surety during the first 3 years of the lease. It can cover 18 monthly payments of rents and charges in case of financial difficulties of the recipient. The Loca-Pass are open to employees the private sector non-farm youth under 30 years scholars and students of State. Another service for tenants: the booking of rental housing for employees of firms subject to 1% housing in return for their funding of these programs. Only employees of these companies can benefit from this service.
Some aid is specifically dedicated to owners or home buyers. Very abundant, the offer covers a wide range of needs: loans for the purchase of land ready for construction or acquisition in the new, ready for acquisition in the former with or without work, ready for expansion, loan processing premises not intended for habitation, social lending lease assumption (PSLA) and finally bridging loan to purchase a new residence. This is in most cases of extra loans and not loan principal.
bearing financial difficulties
There are also a number of aids to owners or tenants experiencing financial difficulties. This is the case of lending Securi-Pass: an advance free which will relieve temporarily the monthly repayments a mortgage. It may also include in this category is ready for temporary relief of rent receipts or the loan to refinance home loans more expensive.
Some aid to owners or tenants are more specific implementation work. This is particularly the loan-Pass Works, which exists in two forms. In its simple version, it aims to fund the development work of primary residences. Recipients must be employees of a private non-agricultural. They can be owners or tenants. The loan is for a maximum of 9,600 euros for the lowest income or € 8,000 for the highest. The enhanced version of the loan is intended to work in condominiums. It is intended for owners (or occupants donors) and rises to 18,000 euros maximum. It can also be classified in this category of funding for maintenance work at home severely disabled.
Support removal
Finally, there are bound to aid the mobility of beneficiaries. This is particularly the case for aid Mobili-Pass to cover expenses related to moving for work reasons more than 70 miles from his home, whether you own or rent. Its maximum amount is 3,200 euros.
Moreover, the bridge loan relief for the additional cost of a change of accommodation aimed at both owners and tenants forced to move house due to mobility or financial difficulties.
Where to go?
For information on all aid available within the 1% housing (our list is not exhaustive), we can learn from the Union of Social Economy Housing (UESL), which is the national federation of 1% housing collectors. She can be contacted by phone (01-44-85-81-00) or via its website (www.uesl.fr).
To apply for help, two approaches are possible. Employees of businesses with 10 or more employees can apply directly to their personnel department. In companies with fewer than 10 employees, however, they must contact the collection agency closest to their homes. There are two main types : Interprofessional Committees Housing (CIL) and housing services Chambers of Commerce and Industry (CCI). The website UESL list by geographical coordinates of most LIC and CCI.
Some aid is specifically dedicated to tenants. This is the case Loca-Pass, to facilitate access for rent. The advance Loca-Pass is a free loan which helps finance a deposit. It must then be repaid to the collecting body from the third month rental. Warranty Loca-Pass is, in turn, a valid surety during the first 3 years of the lease. It can cover 18 monthly payments of rents and charges in case of financial difficulties of the recipient. The Loca-Pass are open to employees the private sector non-farm youth under 30 years scholars and students of State. Another service for tenants: the booking of rental housing for employees of firms subject to 1% housing in return for their funding of these programs. Only employees of these companies can benefit from this service.
Some aid is specifically dedicated to owners or home buyers. Very abundant, the offer covers a wide range of needs: loans for the purchase of land ready for construction or acquisition in the new, ready for acquisition in the former with or without work, ready for expansion, loan processing premises not intended for habitation, social lending lease assumption (PSLA) and finally bridging loan to purchase a new residence. This is in most cases of extra loans and not loan principal.
bearing financial difficulties
There are also a number of aids to owners or tenants experiencing financial difficulties. This is the case of lending Securi-Pass: an advance free which will relieve temporarily the monthly repayments a mortgage. It may also include in this category is ready for temporary relief of rent receipts or the loan to refinance home loans more expensive.
Some aid to owners or tenants are more specific implementation work. This is particularly the loan-Pass Works, which exists in two forms. In its simple version, it aims to fund the development work of primary residences. Recipients must be employees of a private non-agricultural. They can be owners or tenants. The loan is for a maximum of 9,600 euros for the lowest income or € 8,000 for the highest. The enhanced version of the loan is intended to work in condominiums. It is intended for owners (or occupants donors) and rises to 18,000 euros maximum. It can also be classified in this category of funding for maintenance work at home severely disabled.
Support removal
Finally, there are bound to aid the mobility of beneficiaries. This is particularly the case for aid Mobili-Pass to cover expenses related to moving for work reasons more than 70 miles from his home, whether you own or rent. Its maximum amount is 3,200 euros.
Moreover, the bridge loan relief for the additional cost of a change of accommodation aimed at both owners and tenants forced to move house due to mobility or financial difficulties.
Where to go?
For information on all aid available within the 1% housing (our list is not exhaustive), we can learn from the Union of Social Economy Housing (UESL), which is the national federation of 1% housing collectors. She can be contacted by phone (01-44-85-81-00) or via its website (www.uesl.fr).
To apply for help, two approaches are possible. Employees of businesses with 10 or more employees can apply directly to their personnel department. In companies with fewer than 10 employees, however, they must contact the collection agency closest to their homes. There are two main types : Interprofessional Committees Housing (CIL) and housing services Chambers of Commerce and Industry (CCI). The website UESL list by geographical coordinates of most LIC and CCI.
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