Employer-linked loan (Action Logement)
A subsidized-rate loan available to employees of private non-agricultural companies with more than 10 staff, to finance their primary residence purchase. Managed by Action Logement (formerly the 1% Logement scheme), it functions as a complementary loan within the financing plan. Its amount is capped and subject to income conditions and priority criteria (first-time buyers, professional mobility).
Key points
- Reserved for employees of private non-agricultural companies with more than 10 staff.
- The amount is capped and varies by geographic zone and household composition.
- Priority is given to first-time buyers and employees relocating for work.
- It can be combined with other subsidised loans (PTZ, conventional loan) in the financing plan.
Frequently asked questions
How can I find out whether my employer contributes to Action Logement?
Private non-agricultural companies with more than 10 employees are legally required to pay the contribution. The employee can check with HR or directly on the Action Logement website using their employer's SIRET number. The broker typically carries out this check when putting together the financing file.
What is the difference between the employer-linked loan and the PTZ?
The PTZ is a state scheme open to all first-time buyers subject to income conditions, with no link to the employer. The employer-linked loan depends on belonging to a company contributing to Action Logement. Both can be combined in the same financing plan, which brokers often exploit to reduce reliance on the main mortgage.
What mistakes should be avoided when applying for an employer-linked loan?
The main mistake is applying too late: processing can take several weeks, and the Action Logement approval must be obtained before signing the notarial deed. Borrowers should also check the income ceilings, which are revised annually, and not confuse this loan with other Action Logement aids (repayable advances, rental assistance).
In practice
An employee at a 40-person SME wants to buy their first primary residence in zone B1. Their broker includes a €30,000 Action Logement employer loan at a subsidised rate in the financing plan, reducing the amount borrowed at market rate accordingly.
Official sources
- Action Logement accession loan (employer loan) · ANIL
- Complementary Action Logement loans · Service-Public.gouv.fr
- Obtaining a mortgage loan · Service-Public.gouv.fr