Portal de Lorca
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The Town Planning of the City of Lorca, Francisco Garcia, has announced that the city council will launch a new formula to make it more accessible to young people of La Paca, and the hamlets high in general, access to first housing.
The mayor explained that "we want to Suvilor built 40 homes in La Paca are occupied by young people in the area.
Therefore, and following several meetings with the youth of La Paca, we agreed the implementation of the practice of lease-purchase, which will be implemented and the first phase comprising 13 homes.
We are talking about a more flexible way to buy a home, it does not require large outlays in the short term and that conforms more closely to a time of crisis like the present and, secondly, because it receives large aid formula Plan of the National Housing and Rehabilitation 2009-2012 "
Francisco Garcia has detailed that "it is to qualify the 13 homes in question under the regime of subsidized housing for rent from general to 10 years, lasd that were covered by the option.
For both can access a newly built housing in an amount not exceeding € 400 per month may elect to purchase after 10 years and applying up to 50% (according to regional decree, for if the option is exercised after a contract of three years) and 30% in all other cases, the rents paid to the selling price. "
Planning the mayor said, moreover, that another advantage of the formula chosen is that the developer receives a direct subsidy in terms of sq meters for lease and a grant to loan during the first 10 years.
This grant in the case at hand would reach the figure of € 219,950, increasing the profitability of the investment made by the company.
As for the selling price for exercising the option arises initially anticipated, which is another attraction, since the time of exercise of the option in 2020 respecting a price of 2010.
Annual revenues are set at around 4% of the selling price is lower default and enable the modules to which applicable.
Moreover, the Housing Plan provides for grants to the tenant during the first two years as their income does not exceed 2.5 times the minimum wage (approximately € 18,400) 40% of income, and also as Regional Decree tenants could receive a subsidy of another 10% of annual income.
Following discussions with residents of the hamlet is also assessed the possibility of providing furnished accommodation, making the product more competitive and providing the maximum access to new and quality housing.
To give greater security to procure insurance operation for unpaid rent and damages, with a grant from the Autonomous Community of 75%.
Municipal sources have indicated that all these issues and after holding meetings with residents of the hamlet, it seems that this is the best solution to adopt in the current situation by facilitating access to housing very affordable conditions, which lie in the following pillars:
Affordable rent, approximately 350 €, which in the case of tenants eligible for the maximum grant may be in about 175 € plus VAT.
Possibility of purchasing the property at 10 years, observing the current price and charged to 50% of revenues met.
Corporate Housing, which reduces the investment to make to begin to inhabit the house.
Source: Ayuntamiento de Lorca
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