Social Accession Loan (SAP)

The Social Access Loan (SAP) is a real estate loan granted if you have modest incomes.

The PAS must serve you to become the owner of your principal residence (by purchasing it or having it built) or doing work on it (for example, disability adaptation work).

Housing must become your principal residence no later than 1 year after the purchase or completion of the work. But you can rent it temporarily, in some cases (for example, when buying for retirement).

The SAP has the following advantages:

• The interest rate of the loan may not exceed a maximum amount
• Fees for processing the loan application are capped
• The remuneration costs of the notary are reduced
• The loan must be guaranteed by a safety actual (mortgage or the privilege of a lender of money), but this guarantee is exempt from land advertising taxes.

The loan is intended to finance the following operations:

• Purchase of land and construction of housing on this land
• Purchase of a new home
• Purchase of old housing and possible improvement works. In the case of improvement works, the amount of such works must be at least equal to €4,000 and the accommodation must be completed for at least 10 years.
• Work to transform a room into a dwelling
• Work in a dwelling to enlarge it, by extension or by elevation
• Work to save energy in an existing dwelling at 1^er July 1981 or for which an application for a building permit was submitted before that date. The amount of this work must be at least equal to €4,000.

The loan can finance the entire real estate operation, but it cannot finance the following costs:

• Notary fees
• Mortgage Fees
• Loan application file processing fee
• Possible purchase costs of furniture to furnish the home.

Housing must become your principal residence at the latest 1 year after completion of work or purchase.

This period may be 6 years maximum when the 2 conditions the following are combined:

• You will live in the accommodation from your retirement
• Until this date, the accommodation is rented in accordance with specific rules.

The amount of your income to be taken into account corresponds to the total of the reference tax revenues of the year N-2 of the persons to be housed.

For example, for a loan offer issued in 2025, this is the 2023 reference tax income, recorded on the 2024 tax notice.

Your income thus calculated must not exceed a maximum amount, which varies according to the number of people to be housed and the area of the housing (zone A, A bis, B1, B2 or C).

To find out if your income allows you to get the SIP, you can use the following simulator:

Find out if you can get a Social Access Loan (SAP)

The interest rate may not exceed one maximum rate.

The interest rate can be fixed or variable.

A flexible interest rate (i.e. combining fixed and variable rates) can also be proposed.

The term of the loan can range from Five to 30 years old.

The loan agreement may provide that this term may be modified to either reduce it or extend it to total 35 years maximum.

You must apply to a financial institution (for example, a bank) that has signed an agreement with the government to grant this loan. You can consult the list of establishments concerned.

The loan may be supplemented by the following financing:

• Personal contribution
• Zero interest rate loan (PTZ)
• Home loan
• Fixed-rate loan less than or equal to that of a loan granted in addition to a home savings account
• Supplementary loan
• Bridge Loan pending the sale of the previous accommodation.