Shared housing is surging in popularity across France, appealing to groups united by values of solidarity, ecology, conviviality, and strong social bonds. From intergenerational setups to homes for seniors or those with disabilities, this model offers a vibrant alternative to traditional living.
Shared housing, also known as group or participatory housing, unites individuals committed to collaborative living. These groups, often driven by shared environmental values, generational diversity, or community spirit, pool resources for real estate purchases. Projects typically feature private spaces for each resident alongside communal areas like gardens, meeting rooms, or children's playrooms—balancing personal autonomy with enriched social connections.
It's particularly favored by seniors, especially women, seeking community engagement without sacrificing independence. Participants contribute based on their interests and skills, fostering a supportive environment.
Two primary strategies finance joint shared housing purchases. First, each resident contributes personally—often via individual mortgages—to cover their allocated portion, just like any solo homebuyer.
Alternatively, a "collective" loan is taken in the name of the group, typically structured as a joint ownership (copropriété) or civil real estate company (SCI). The 2014 Alur law expanded options to include residents' cooperatives and self-promotion allocation companies, enabling natural persons to acquire and manage shared homes collectively. Mortgage eligibility varies by structure.
For residents' cooperatives, a collective real estate loan funds the purchase or construction. Secured with one bank, all future owners become joint and several co-borrowers. This typically covers 80% of costs, with 20% from personal contributions. Repayments are proportional, with each resident paying a monthly share based on their stake.
In self-promotion allocation companies, individuals secure personal loans, and private areas are assigned proportional to each person's financial input.
