À Bordeaux, qu’est-ce que le bail réel solidaire, « bon plan » pour classes moyennes ?
Launched in 2017, unknown to the general public, this device nevertheless has the immense merit…
Launched in 2017, unknown to the general public, this system nevertheless has the immense merit of decoupling the building from the land, property of a third-party organization to which a fee is paid (see elsewhere). Result: a budget 15 to 30% lower than market prices. “For our family, it’s just unexpected,” says Elsa, who will move into rue Kléber in June 2023, with her companion Henri and their three children. The house that awaits them? 110 m², five rooms, a garage and 52 m² of garden, all purchased for 392,000 euros, excluding notary fees.
“Quickly discouraged”
Thirties, tenants since 2016 in the Sainte-Croix district, Elsa and Henri may be executives, they spent “six good months” looking in vain for real estate in the city center. Their budget of 400,000 euros was not enough. “We quickly got discouraged. The reality is that you can’t buy in the city center. It was systematic: we found ourselves faced with buyers who did not negotiate and, it is unfortunate to say, we were grilled by Parisians. Couples who come down from Paris for the day or visit by video…”
“For our family, it’s just unexpected […] The reality is that you can’t buy in the city center. It’s unfortunate to say. We were grilled by Parisians”
Same echo at Marine and Clève, parents of two children, who live in Cours de la Marne, and buyers of the house under construction at the bottom of the same plot. 90 m², 77 m² of garden including a patio, incidentally a green roof, sale price 276,000 euros. Both salaried, they were reduced to “looking outside” for the dream home. Or the illustration of the involuntary exile of the young Bordeaux middle class, for lack of access to property on the hypercentre market, even in the presumed landing phase.
Anti-speculative
They may not own the land, nor put on a possible capital gain for sale as long as the mechanism is framed, and deliberately “anti-speculative”, the two couples do not make much of it. “Honestly, it doesn’t change anything for me. We are only passing through, and the idea was to be able to pass something on to our children, ”support Elsa. “Being an owner is not an ideal in itself. “Slight flat, admit the two owners, retained after selection, the device remains not very accessible to ordinary mortals.
It is also by chance that Elsa and Henri were directed to the BRS. At the turn of a grid walk in Saint-Michel, in search of a house for sale, they had tried their luck with inCité, whose “for sale” sign had not been removed… Files to be completed in all meaning, zero-rate loan, Housing Action, the result is “an obstacle course”, abounds Marine. “We have been following the project for two years, the financial arrangements. You have to be enlightened, make phone calls. We tried not to let go. I insist on that. »
Pious wish?
The project itself had to be refined by inCité, and the Bordeaux firm Dauphins architecture, invited to review a first draft. Total cost: 690,000 euros, including 383,000 euros for purchase by pre-emption, in 2016. “There were inhabited lean-tos in the courtyard, it was unsanitary”, describes Benoit Gandin, general manager of the Sem. Local actor sometimes decried, because feared by the owners for its practices as regards preemption or expropriation, inCité offers to the BRS an ideal window, that of the habitat diffused in Bordeaux of the Capucins-Victoire. Example of reclaiming unsanitary housing and a guarantee of diversity: “We collectivise the land; Anglo-Saxon countries have been doing this for a long time. It is a fabulous tool, made for the middle classes”, praises Benoît Gandin, director, who intends to decline the BRS “whenever possible”.
Starting with six apartments on rue Planterose. A year and a half later the collapse of two buildings owned by the SEM, reconstruction work begins these days. The intention is laudable, but isn’t the use of BRS condemned to homeopathic doses? Benoît Gandin agrees, he is “not convinced that we will revolutionize the market on specific transactions, with a pre-emption capacity limited to 300,000-400,000 euros. “The challenge lies in the social mix: “A family that invests the neighborhood, it radiates. The threshold effect is quite far, but we are priming the pump, ”wants to believe Olivier Cazaux, deputy mayor of the Bordeaux South district.