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Access to home-ownership: what are the effects of the economic crisis?

ANIL (Bernard Vorms), avril 2011
Study appeared in the electronic magazine Mé

It is something of an understatement to say that the recent worldwide crisis has changed the context in which public policies designed to encourage access to home-ownership operate. Yet can we conclude that the relevance or implementation of these policies has been universally and uniformly called into question? In what way has this crisis redefined French policy? And does the reform that came into force on 1 January 2011 – whereby the PTZ (Prêt à Taux Zéro Plus – an interest-free government loan to cover part of a property purchase) and home mortgage interest deductions are to be replaced by the new PTZ+ (Prêt à Taux Zéro Plus) – really represent a complete change of model?

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