Precisely the budget available to this couple

Christine and Dominique are devastated. They come to learn that their owner wants to retrieve to sell the flat they have rented with their two children in the 5th arrondissement of Paris. A five pieces of 87 m2 they rent for years for 1,800 euros per month. Of course, they have a priority over the purchase of housing in question. But the owner wants 705.000 euros, or 8,100 euros m2. A little high claims in view of the building, rather poorly bound, and the apartment perched on the 4th floor without elevator, believes the couple. Even if notaries of Paris figures indicate an average price per square metre to 8.140 euros in the 5th in the second quarter of 2009... And in any event, this budget is out of its means.

"We have a limited contribution, at most 50,000 euros, and high with our student children loads, explains Christine." Borrow 650.000 euros we would require to repay nearly 3,500 euros per month for 30 years at least. "In other words, despite revenues fairly comfortable, of the order of 8,000 euros per month, this pair of teachers cannot consider this purchase. Indeed, no bank will them be such a sum, which endetterait them over the threshold of 33 of their income.

What alternative in these conditions Buy smaller than in the same district For a monthly payment of 2,500 euros per month, they could not acquire more than 58 m2. Consider a less expensive neighbourhood Except in the 18th, 19th and 20th districts, where the average price per square metre oscillates between 4,500 and 5,000 euros, but who package them not frankly, impossible to buy a large surface area in Paris. The 13th district, adjacent from the 5th, too, is prohibitive. Because if the average of prices recorded by notaries is 5.670 euros m2, sought-after neighbourhoods in fact climb to 6 000-6. EUR 500 m2.

The advantage of public transportation

In short, for this couple Paris like many others, difficult to access the property today, despite the drop in prices and rates. Professionals have beautiful repeat that it is better to be owner that lessee, that purchase is a form of forced savings will help sink a quiet retirement, it is clear that this objective is by no means be acquired for a large number of Parisians. Hence a share of 32 only in the capital owners against 46 in the suburbs, according to Insee. Cross the ' device ' "thus appears as a necessary in order to acquire its housing. A step which is not always easy.

In the near suburbs, however, Parisian purchasers do not pray. "We see again a number of purchasers who leave the capital to come to live among us", says Fabrice Cochet, responsible of the Agency Bracke in Courbevoie. The reason A large number of family apartments, efficient public transport and multiple equipment that make an easy living city. "Transportation, amenities are part of the first criteria of selection of the purchasers", continues this real estate agent. It is also true that the city benefits from the proximity of the defence, which makes it very attractive. Its price also: between 4,500 and 5,000 euros m2, as long as there are apartments of good standing, often recent, with large balconies, terraces... The station, a neighbourhood four pieces of 86 m2 it is recently negotiated 435.000 euros. Precisely the budget available to this couple.

What is true for Courbevoie also applies to other sectors. At Asnières, for example, a real estate agent stamped Guy Hoquet which recently inaugurated two new subway stations, "primo-homebuyers Parisians are seduced by the price", note. Here again, neighbourhood of the station, a three pieces of 70 m2 is recently left to 350,000 euros, 4,500 euros of the m2. Houses sell more difficult. Because they involve not only higher budgets, but also more distance from the amenities. "The decline in the prices of homes seems to illustrate demand re-concentration movements to towns and their close periphery, consequence of the inflation of the cost of transportation," recently analyzed René Pallincourt, Fnaim President.

The second position of expenditure

Certainly, the outbreak of the litre of fuel is remained engraved in the memory. In fact, the principle that away allows economies took a serious blow in the wing. As transportation remain the second position of expenditure after housing. In the Paris region, a study of branch regional Ile-de-France (Dreif) equipment, carried out in partnership with the departmental information on the housing of Paris (Adil 75) Agency, showed that the expulsion was not necessarily profitable. The price per square metre is more affordable in the suburbs, but the transport budget, however, explodes. Thus, a Council of Ile-de-France household expenditure averaged 564 per month to move, including 54 euros for transit and 534 euros for the car. An average hides significant disparities. Close periphery, the expenditure ranges from 183 to 290 euros per month, but in the so-called cheap sectors, these numbers fly from 518 to 701 euros per month, which is almost the price of rent or a payment of reimbursement for a small housing. A meditation...