This report provides an overview of the schemes designed to assist home ownership, namely:
- the zero-interest loan (PTZ)
- the social home-buying loan (PAS)
- the regulated loan (PC)
- and the homeownership component of housing assistance (APL accession).
It reviews the literature on the economic justifications for home ownership, as well as evaluations carried out in France and abroad on home ownership support policies. Une évaluation de l’emprunt à taux zéro est alors menée, en estimant l’effet de l’emprunt lui-même ou d’une modification de ses modalités sur le nombre de prêts octroyés, ainsi que sur les caractéristiques du bien acquis et le taux d’effort des ménages. Finally, in the concluding section, the authors propose a number of avenues for reform and improvement of home-buying support schemes.
