The differences of rate of owner on French territory fuel the debates.
The network of 200 agencies brokerage in real estate loan Vousfinancer and the National Union of Real Estate Owners (UNP) wish to shed more light on this point, in association with le cabinet CM Analytics. A project that aims to determine the rate of owner who has stopped of progress, while its rate is historically low. In order to adapt best policies in matters of accommodation, it is essential to understand the local realities.
Over the past 50 years, the part of the owners experienced a clear progress. While it was only 43% in 1968, it remained stable in France, despite the drop of the rate and public policies. According to the general director of VousFinancer, Jérôme Robin, it is important to define the brakes to the property in order to best support customers in the future, with its status of facilitator of access at credit. Since the 2008 crisis, we have observed sharp declines of the rate which are divided by 5 on a national scale.
The strong territorial differences are tangible if we stick to the national average. In Brittany, the ownership rate rises to 66%, followed by Pays de la Loire at 64%, Burgundy-Franche-Comté tied at 64%. For its part, the region Provence-Alpes-Côte d'Azur is at 54% and Ile-de-France has only 47% owners.
The deviations are in particular important in terms of the geographical level. In principle, the average of a country betrays the realities of a majority of territories.
Among the departments which have the less of owners, there is Paris at 33%, Seine-Saint-Denis 40%, Hauts-de-Seine 43% and Val-de-Marne 45%. For the rest, the Ile-de-France departments display close rates of the national average.
For the 35 municipalities that make up the country, the median rate is 80%. Furthermore, the differences are notable where 95% of them display a higher rate to the average throughout France. A gap which is undoubtedly explained by the weight very important observed in the metropolises. “In large cities where a high fraction of the population resides, the rate of owners is weak » indicates Christophe Marques, directly from CM Analytics, an economic research firm. In municipalities where there are more than 10,000 households, represents only 1% of municipalities, but 39% of French households where the average rate of owner stands at 41%. Conversely, the smallest municipalities with 1000 households cover 87% of municipalities and 24% of households, representing 78% of the average ownership rate.
We thus observe, a real estate tension very marked where the owners are more many. On the other hand, the tension is non-existent in zone C and the rate is 72%, or 19 points more than in zone B (53%) and 26 points more than in zone A (46%).
In addition to the strong real estate tension, real estate prices also have something to do with it. The median price of the apartments is 3000 €/m2. Beyond this threshold, no French department has an ownership rate higher than 60%. However, with lower prices, three quarters of department display a higher rate at 60% off, although there's more to it than just the price!
Taking into account the top 50 French cities, it turns out that less of the half of the households are owners of their Principal residence. However, the price varies widely, ranging from simple to fivefold depending on the territory. So, there is no no relation between the real estate prices and the part of the owners in the largest cities in France. For good reason, the Parisian city displays a rate that could be compare to around twenty cities whose prices are two or three times lower than its own, such as Bordeaux, Strasbourg and Montpellier.
According to CM Analytics calculations, main determinants of rate of owners in large metropolises are the proportion of individual house, besides the tension of market. To this are added age of the population, the importance of the families, the level of income as well as the relative weight of the student population. Although this last factor is less important compared to the previous ones. Faced with this diversity of the factors, two cities displaying rate of owners loved ones are able to cover of the underlying enough different. This is also the case for Paris and Saint-Denis.
