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Housing

Housing is a concern of our fellow-citizen, and also in the heart of their budget. The most part French people who are not owner wants to become it, while the structural deficit of housing increases in few regions.
No. 1 bank for housing of the French people, Crédit Agricole wants to be present in each of the steps of residential paths - from the student to the dependent person - by investing in the housing production as in the social housing. With this ambition, Crédit Agricole will become leader of Real Estate services.

Latest news

Crédit Agricole Immobilier launches a new concept : innovative, personalised housing that adapts to its owners
Society is changing, and so are families – and housing is keeping pace. To fit the new environment, Crédit Agricole Immobilier has designed a new solution: affordable apartments that can be personalised to change with the owners’ needs, adapting to different lifestyles to suit people’s various life stages.
For the future buyer, there are three advantages: acquiring a functional apartment at an affordable price, personalising it without incurring additional expenses, and reconfiguring it easily as the years go by. These apartments are designed not only to appeal to future owner-occupants who want to acquire a unit at an affordable price. They are also for investors who want to take advantage of numerous opportunities to rent out and sell the asset.

Crédit Agricole Immobilier shows off its projects at the SIMI commercial property show
Crédit Agricole Immobilier will be an exhibitor at the 2012 SIMI* commercial property trade show, running today through 7 December at Paris’ Palais des Congrès.
The show gives Crédit Agricole Immobilier an opportunity to showcase its flagship office property projects and shine the spotlight on all its areas of expertise: property development, asset administration, facility management and advice and appraisal of commercial assets.
Crédit Agricole Real Estate will display its PariSquare project, in which it is rehabilitating an old building in Paris’ 11th district to create a low-energy building renovation complex for businesses. It will also show off the Carpe Diem Tower, a project for which Crédit Agricole Real Estate acted as investment advisor to Crédit Agricole Assurances. The Evergreen Campus, Lumen and Eole projects as well as the future Pavillon d’Accueil will also be on show.
Again this year, Crédit Agricole Real Estate’s booth is hosting three other Crédit Agricole entities: Crédit Agricole Ile-de-France, Crédit Agricole CIB and Crédit Agricole Leasing & Factoring. All have partnered Crédit Agricole Immobilier in many ventures. With their extensive involvement in property finance, all have helped to make Crédit Agricole the leader in the business in France. 

* SIMI is a major trade fair for commercial property professionals. It brings together tenants, investors, architects, businesses and public entities. This year, the welcome mat is out to over 20,000 visitors – and the number climbs every year.

Crédit Agricole Immobilier opens the Pavillon Vert at Grabels
Crédit Agricole Immobilier has opened the Pavillon Vert housing programme of 124 units located eight kilometres from the centre of Montpellier, in Grabels. The new programme has been developed jointly with the Crédit Agricole Languedoc Regional Bank.
André Revol, the Mayor of Grabels, and Jacques Salomon, head of the real estate division at the Crédit Agricole Languedoc Regional Bank, were on hand to mark the occasion.
The upbeat, contemporary Pavillon Vert’s 124 units range from studios to five-room flats, and are located in Grabels’ Valsière neighbourhood, a two-minute walk from public transport. “Green” transport – bicycle paths and footpaths – also serve the housing complex.
The Pavillon Vert is certified by Qualitel and bears its BBC-Effinergie Label. EDF’s Blue Sky Prize programme has awarded it a Pyramide d'Argent for Sustainable Development as well as its 2010 Trophées de l’Habitat Low Carbon Prize. This is one of France’s first private group housing complexes to receive Qualitel’s BBC – Effinergie certification for an all-electric building that uses no wood or natural gas.

Crédit Agricole Bank Polska: Renovate your home thanks to Limit Remontowy
Crédit Agricole Bank Polska has launched an innovative solution for financing home renovation, with Limit Remontowy (Renovation at the Limit), an alternative to consumer loans and mortgages. Limit Remontowy is designed for the many Polish people who have ambitious renovation plans but few appropriate financing solutions. It combines the advantages of a home improvement loan with the flexibility of a line of credit or a credit card. The product is simple to access – a customer can sign a contract directly at a partner retailer, such as a home improvement store, service provider or DIY store. Jedrzej Marciniak, a member of Crédit Agricole Bank Polska’s Board of Directors, explains, "No other bank offers a product comparable to Limit Remontowy in Poland. Crédit Agricole is the pioneer; it has significant potential on the Polish market for financing construction and renovation".

Crédit Agricole Assurances and Crédit Agricole Immobilier lay the first stone of Euromed Center
The foundation stone-laying ceremony for the Euromed Center development in Marseille was held on Friday, 19 October. Crédit Agricole Assurances is an investor in the project, while Crédit Agricole Immobilier is a developer.
The future Euromed Center business district includes more than 70,000 m2 in buildings, for a total investment of around €250 million.
“Our aim is to build for the long term and help create genuine new districts that provide residents, businesses and local authorities with all the urban facilities they need”, emphasised Guy Bernfeld, Chief Executive of Crédit Agricole Immobilier. “The Euromed Center project – which we won, along with our partners, following an extensive bidding process – perfectly illustrates our expertise in this area”, he concluded.
“Another one of our roles as an insurer is to finance the economy, particularly by granting long-term financing to those economic agents that need it. Crédit Agricole Assurances reinvests a portion of its life insurance inflows into regions by funding local authorities, listed and unlisted companies and other organisations (including, for example, healthcare and housing institutions). The Euromed Center is fully aligned with this approach and perfectly illustrates our desire to support local and regional economic development,” explained Jérôme Grivet, Chief Executive of Crédit Agricole Assurances.

Property investment: Amundi launches Gemmeo Commerce across the Crédit Agricole and LCL networks
Early this year, Gemmeo Commerce was launched through Le Comptoir CPR. It is now available at the Regional Banks and LCL, along with conventional real estate investment trusts (SCPIs) diversified to include commercial property.
Gemmeo Commerce is a new open-end SCPI specialising in commerce. It seeks out retail spaces (centre-city ground floor locations, shopping centres and retail parks) in France in areas that stand out not only for numbers of workers and consumers but also their buying power. Gemmeo Commerce is designed for sophisticated individual investors who want to diversify their assets through themed investments and who accept the risk of capital loss.
The minimum investment of five shares, currently just €1,000, provides a turnkey product for investors who prefer to leave the ins and outs of rental property management to the experts. The management fees give them access to all the know-how of a specialist property management firm. The subscription remains open for an indefinite period.

Crédit Agricole Immobilier unveils Horizon Sud, an ambitious housing programme in Evry
On 5 October the mayor of Evry, Francis Chouat, along with Crédit Agricole Immobilier CEO Guy Bernfeld and François Delarue, Chairman and CEO of Paris regional property and technical agency AFTRP inaugurated the Horizon Sud housing programme in the town centre.
Prominent personalities from the worlds of property and architecture turned out for the inauguration of this colourful, high-density project, along with numerous residents of the neighbourhood and nearby locales along the River Seine.
Crédit Agricole Immobilier joined hands with ING Real Estate to complete the project, which involved more than 250 flats in five buildings in the centre of Evry.
The bold project was initiated by former Evry Mayor Manuel Valls, with the aim of renewing the downtown area by increasing social diversity (privately owned units as well as 30% social housing), while promoting local shopping. In practice, it demonstrates the town’s involvement in revitalising the greater Paris area.
From every standpoint, Horizon Sud embodies Crédit Agricole Immobilier’s vision of housing and an urban environment to meet long-term needs. The programme is an ingenious solution to the problems of urban housing density and the need for social diversity in neighbourhoods. It also shows Crédit Agricole Immobilier ability to work closely with local authorities to meet their needs and to develop a bold, original urban plan, in cooperation with a renowned team of town planners and architects.

Crédit Agricole Immobilier launches Urban Grey
Crédit Agricole Immobilier has begun marketing its new-home programme, Urban Grey.
Located at Fresnes, 10 minutes south of Paris, the programme consists of 94 one- to five-room apartments in two 6-storey buildings a stone’s throw from the city centre.
The site is ideally located in the heart of Cerisaie Sud, a new eco-district. Urban Grey offers an ideal residential environment in a leafy pedestrian neighbourhood within easy reach of shops, services, high-quality amenities (schools, daycare centre, sports facility, art centre) and public transport connections.
Designed and built to Qualitel standard and certified as a low-energy consumption / Effinergie development partnered with EDF Bleu Ciel 2012,  Urban Grey consist of light, roomy apartments with fitted kitchens and bathrooms.

Sales launch of the “Paris par nature” residence by Crédit Agricole Real Estate - Paris 15th arrondissement
Crédit Agricole Real Estate was selected in late 2011, following a tender bid, to join with Pitch Promotion in jointly promoting a housing programme in the heart of the Boucicaut eco-neighbourhood in Paris’ 15th arrondissement. The project involves construction of 60 flats, from studios to five-room duplexes, with terraces or private gardens. It will be a breath of fresh air in the centre of Paris.
Situated in an eco-neighbourhood, the residence will be a shining example of sustainable development. The building’s design meets the requirements for “Habitat and Environment, Low Consumption Building label” certification, and it complies with the City of Paris’ climate plan.
After a weekend open house, sales of the new flats are under way. Plans call for work to begin next year for delivery in the second half of 2014.

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