ABC zoning in Brittany

(Updated 13/02/2020: taking into account the new perimeters of the municipalities on 01 January 2019. The A/B/C zoning is applicable from 1 October 2014 for certain devices (in particular the intermediate rental investment scheme and the zero-rate loan). The objective is to promote rental investment, home ownership and housing construction. A zoning identifying the tension of a territory The A/B/C zoning was created in 2003 as part of the “Robien” rental investment scheme. It has been revised since 2006 and 2009. The criterion of ranking in one of the zones is the tension of the local real estate market. In terms of housing, the tension of a local real estate market is defined by the level of adequacy in a territory between demand for housing and the supply of available housing. An area is called “stretched” if the supply of available housing is not sufficient to cover demand (in terms of volume and price). On the other hand, an area is relaxed if the supply of housing is sufficient to cover the needs in demand for housing. The A/B/C zoning characterises the tension of the housing market by dividing the territory into 5 zones, from the most tense (A bis) to the most relaxed (zone C). Prior to the revision of zoning on 01/10/2014, the different zones were composed as follows: • Zone Aa: includes Paris and 29 communes of the small crown; • Zone A: includes the agglomerated part of the Île-de-France, the Côte d’Azur and the French part of the Geneva agglomeration; • Zone B1: includes the agglomerations of more than 250,000 inhabitants, the great Parisian crown, some expensive cities such as Annecy, Bayonne, Cluses, Chambéry, Saint-Malo or La Rochelle, overseas departments, Corsica and other islands not connected to the mainland; • Zone B2: includes other municipalities with more than 50,000 inhabitants and zone B1 fringes; • Zone C: rest of the territory. This revision was highly anticipated in the real estate sector Since the beginning of 2013, the Ministry of Housing and Equality of the Territories has initiated a revision of this zoning to take account of changes in territorial dynamics. The objective was to adapt as finely as possible to the local realities of the real estate market. A consultation with the local partners involved in housing policy was conducted in early 2014 via the Prefects to culminate in a zoning project which was the subject of a first arbitration by the Prime Minister at the end of June 2014. This arbitration was again forwarded to the Prefects for opinion before finalising the classification of the municipalities. The decree revising the A/B/C zoning was then published. The arrangements affected by the entry into force of zoning A/B/C on 1 October 2014 Zoning A/B/C makes it possible to identify tense areas. It is used to modulate financial devices to assist with home ownership and rental. Several schemes use this zoning to determine the eligibility of territories for aid or to modulate their parameters: • Intermediate rental investment scheme for individuals: In order to qualify for the facility, dwellings acquired or built must be located in zones A (including A bis) and B1. Dwellings located in a B2 area municipality may also be eligible for the scheme, provided that it has received approval from the Regional Prefect. Dwellings located in zone C cannot benefit from the device. The numerous reclassifications of municipalities in a more tense area, provided for by the revision, will allow a larger part of the territory, and ultimately tenant households, to benefit from this scheme. • PTZ (zero-rate loan): The conditions of resources to benefit from the PTZ, as well as its amount, depend on the area where the real estate purchase is to be financed. The tighter the area where the housing is located, the higher the resource ceilings to benefit from it, and the higher the loan amount (as a percentage of the value of the property). The revision of the A/B/C zoning is linked to the strengthening of the PTZ in moderate or low strained areas, which will limit the impact of decommissioning on accession. Intermediate housing, facility for institutional actors: The 10 % VAT scheme for intermediate rental accommodation (accompanied by an exemption from VFPB) applies in full in zones A bis, A, and B1. A reclassification from B2 to B1 will allow the development of intermediate housing in the territory of the municipalities concerned. The arrangements affected by the entry into force of zoning A/B/C after 1 October 2014 For some devices, the entry into force of the new zoning is after 1 October 2014. Thus, the new zoning will be effective on 1 January 2015 concerning the receipt of aid from the National Housing Agency, the “old Borloo”, the intermediate rental loan, the VAT reduced in the ANRU zone, the arrangements related to the promotion of HLM and the assessment of the resource ceilings for new intermediate housing held by HLM organisations in the framework of their service of general economic interest. It will finally apply for social loan authorisations for home-lease as of February 1, 2015. __Origin__ Publication of zoning and municipalities eligible by zone by ministerial decree, applicable from 1 October 2014. The geographical repository for the construction of the data is the BdCarto — Limits of Communes __Partner organisations__ DREAL Bretagne [See this page on geo.data.gouv.fr](https://geo.data.gouv.fr/fr/datasets/480758a52617f65a3c8a3b88c38d4921850fd3a5)