La fin des subprimes à la française

Maison abandonée

Communiqué de Laurent Grandguillaume, député de Côte-d’Or

 

En tant que rapporteur pour avis du projet de loi relatif à consommation, j’ai présenté un amendement visant à la suppression des hypothèques rechargeables qui sont des « subprimes » à la française. Cet amendement a été adopté en première lecture à l’Assemblée nationale.

Crées en 2006 par Nicolas Sarkozy, les hypothèques rechargeables permettent l’octroi de crédits à la consommation garantis par une hypothèque. A mesure qu’un crédit immobilier est remboursé, la part de l’hypothèque excédant le montant restant dû du crédit peut être utilisée pour contracter un crédit à la consommation.
La durée de l’inscription hypothécaire a alors été allongée jusqu’à 50 ans !
Ainsi, l’emprunteur contracte un nouvel emprunt à la consommation sur la valeur de son logement alors même que son crédit sur le logement n’est pas arrivé à échéance. Autant dire que c’est le même modèle qu’un crédit revolving.

Ce mécanisme a un effet cumulatif en matière d’endettement et peut conduire à de nombreux excès comme c’était le cas aux États-Unis avant la crise financière.Alors même que tout le monde savait que ce système avait conduit à la crise financière, le gouvernement UMP avait maintenu ces crédits hypothécaires particulièrement risqués ce qui témoigne de l’idéologie de la droite française dans ce domaine.

Supprimer ces subprimes à la française c’est éviter que les mêmes causes produisent les mêmes effets.

 

 

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