The Banque des Territoires, which projects until 2062, estimates that HLM constructionwhich has fallen below 100,000 housing units per year since 2020, should continue to slow to stabilize at an average of 72,000 new housing units per year starting in 2030. The institution is based on the assumption of inflation and a Livret A rate of 2% on average from 2027 and a return to neutral credit rates from the end of 2026.
Below needs
Renovations are expected to peak at 130,000 homes per year between 2024 and 2027, before gradually declining to a rate of 90,000 per year on average between 2030 and 2062. This involves meeting not only the requirements of the Climate and Resilience Act, which intends to phase out the most energy-intensive rental housing, but also those of the National Strategy for Reducing Carbon Emissions (SNBC), a national roadmap for limiting greenhouse gases greenhouse. emissions.
“The concern is how to combine ecological investments with social ones,” points out Kosta Kastrinidis, head of loans at Banque des Territoires, one of the branches of the Caisse des Dépôts et Consignations (CDC). Especially since renovation costs have almost doubled in certain regions. “We are at an average increase of 65% between 2013 and 2023 (…) We are today at an average of 60,000 euros per accommodation”, notes Kosta Kastrinidis.