Bail Réel Solidaire (BRS): The solution to become a homeowner in Rennes?

Rennes is a dynamic city where life is good, but where real estate is expensive. Faced with this problem, the State has set up an initiative, the Bail Réel Solidaire (BRS), which could well be the solution for the most modest households wishing to become owners. In this article, we will explain what this initiative consists of, its advantages and how to subscribe to it.

The Solidarity Real Lease: what is it?

The Bail Réel Solidaire is an initiative launched by the French government in 2016 to allow buyers of a property reduce the acquisition cost by 25 to 40 % compared to market prices. The principle is to divide the purchase into two distinct parts: the property and the land on which it is built.

When you buy a property, you buy two things: the property itself (its surface, its characteristics, etc.) and the land on which it is built. The land represents an important part of the total price of a property, especially in large cities like Rennes. The BRS makes it possible to separate these two distinct parts and to finance them separately.

How does the Bail Réel Solidaire work?

The Bail Réel Solidaire allows the buyer to become the owner of the building while the land remains the property of the Organisme Foncier Solidaire (OFS). Thus, the buyer does not become the owner of the land, but only of the building.

The SAB is signed between the SFO and the lessee, i.e. the buyer. This lease is concluded for a very long period, between 18 and 99 years. The future purchasers must comply with resource ceilings in order to be able to acquire a property under a BRS. These ceilings vary according to the composition of the household and the geographical area where the property is located.

The BRS also makes it possible to regulate the real estate market on the parcels concerned. Indeed, future purchasers must respect rent and income ceilings if they wish to rent their property.

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Why opt for a joint real lease

The BRS has many advantages for the most modest households wishing to become owners. First, it reduces the cost of acquiring a property by 25 to 40 % compared to market prices. Thus, the BRS is a solution for households with modest incomes and unable to access property in the traditional way.

The BRS also makes it possible to regulate the real estate market on the parcels concerned. Indeed, future purchasers must respect rent and income ceilings if they wish to rent their property. This makes it possible to maintain reasonable rents for tenants and to avoid a surge in real estate prices.

Secondly, the BRS allows the buyer to become the owner of the property, which gives him a feeling of security and stability. Indeed, he can dispose of the property as he wishes, rent it, sell it or even pass it on to his heirs.

Finally, the SAB limits real estate speculation on the parcels concerned. The land remains the property of the SFO, which avoids situations where owners buy land in the hope of reselling it at a higher price.

How to subscribe to a real joint lease in Rennes?

The Bail Réel Solidaire is available in several cities in France, including Rennes. To subscribe to the BRS in Rennes, you must first find out which properties are eligible for the OFS. It is possible to go to the website of the OFS of Rennes Metropole to find the available properties.

Then, you have to check if you meet the resource limits according to the composition of your household and the geographical area where the property is located. If you meet the conditions, you can contact the OFS of Rennes Métropole to ask to subscribe to the BRS.

Is BRS the right solution?

The Bail Réel Solidaire is an interesting initiative for the most modest households wishing to become homeowners in Rennes or elsewhere in France. By reducing the cost of acquiring a property and regulating the real estate market on the plots concerned, the BRS is a viable solution for accessing property in a city where real estate prices are high.

If you are interested in the Bail Réel Solidaire, do not hesitate to inquire about the eligible properties in OFS and to contact the OFS of Rennes Métropole for more information.

FAQ - Solidarity Real Estate Lease (SREL)

What is the Bail Réel Solidaire?

The Bail Réel Solidaire (BRS) is an initiative launched by the French government in 2016 to allow property buyers to reduce the cost of acquisition by 25-40 % compared to market prices. The BRS allows the purchase to be divided into two distinct parts: the property and the land on which it is built.

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How does the Bail Réel Solidaire work?

The BRS allows the buyer to become the owner of the building while the land remains the property of the Organisme Foncier Solidaire (OFS). Thus, the purchaser does not become the owner of the land, but only of the building. The BRS is signed between the OFS and the lessee, i.e. the purchaser.

What are the advantages of the Real Solidarity Lease?

The BRS has several advantages for the most modest households wishing to become homeowners. First of all, it reduces the cost of acquiring a property by 25 to 40 % compared to market prices. In addition, the BRS allows the buyer to become the owner of the building, which gives him a feeling of security and stability. Finally, the BRS makes it possible to limit real estate speculation on the parcels concerned.

How to subscribe to the Real Solidarity Lease?

To subscribe to the BRS, you must first find out which properties are eligible for the OFS. Then, you have to check if you meet the resource limits according to the composition of your household and the geographical area where the property is located. If you meet the conditions, you can contact the OFS to ask to subscribe to the BRS.

Is the Bail Réel Solidaire present in all the cities of France?

The Bail Réel Solidaire is available in several cities in France, but not all cities offer this initiative. Check with the SFO in your city to see if the BRS is offered.

Is the Bail Réel Solidaire reserved for the most modest households?

The Bail Réel Solidaire is mainly intended for the most modest households, but it is open to all. However, the resource limits are set according to the composition of the household and the geographical area where the property is located.

Is the Solidary Real Lease a form of definitive property?

The Bail Réel Solidaire allows the purchaser to become the owner of the building, but the land remains the property of the SFO. Thus, the BRS is not a form of definitive ownership, but it allows the purchaser to dispose of the real estate as he/she sees fit.

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