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Mortgage repayment difficulties

You are facing difficulties repaying your mortgage?  Here are some solutions

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Renegotiating your mortgage

If you are facing difficulties making your monthly mortgage repayments, contact your bank to find a suitable solution.

Who to contact ?
Your bank or mortgage lender


If you are struggling to find or to stay in your accommodation, CIL-PASS Assistance may be able to help you reimburse your mortgage.

Who can benefit?

  • Any employee of a private-sector, non-agricultural company with more 10 employees.
  • Any employee of a public sector organisation or company which pays into the 1% housing scheme.
  • Any homeowner living in his or her main residence who is facing economic difficulties having an impact on housing.

FSL – Housing Solidarity Fund

The Housing Solidarity Fund (FSL) may help you cover any outstanding mortgage payments or building service charge payments if  you live in a sensitive urban zone (ZUS), a planned housing improvement zone (OPAH) or safeguard plan zone. The FSL can also provide financial aid in the form of a grant and/or loan to pay utilility bills, wherever you live in the department. This financial aid is paid directly to the loan company, building manager ‘syndic’ or utility suppliers. The Métropole Nice Côte d’Azur gives this aid on its area.

Who can benefit ?

For individuals who are facing difficulties staying in their home due to low income or a particular situation.

These funds are allocated according to criteria linked to the amount of the loan and the individual’s resources.

Refinancing loan

This is a loan to cover the full or partial repayment of any mortgage taken out to buy property that is the borrower’s main residence, or the full or partial repayment of loan charge arrears if caused by a change in economic situation (unemployment, early retirement etc.) or family situation(separation, divorce, death).

Maximum amount  €40.000

Who can benefit?

Mortgage holders :

  • Employees or those on early retirement from private sector (non-agricultural) companies with >10 employees, or job seekers whose previous employment was with such a company.
  • Recently retired employees (less than 5 years) from a private sector (non-agricultural) company
  • Owner-occupant in a co-owned, degraded property

Household debt commission

The task of the household debt commission is to seek solutions for individuals who find themselves facing excessive debt or are suffering from a sudden loss of earnings.

According to the extent of the financial difficulties facing the debtor, the commission may direct the debtor towards:

  • a mutual agreement  based on the negotiation of a contractual recovery plan acceptable to both the debtor and the creditors
  • or, personal recovery proceedings, or a declaration of civil bankruptcy if the debtor is in a hopelessly compromised situation

Who can benefit?

Means tested. Household income should not exceed an upper limit depending on location of the property and the size of the family.

Mortgage arrears

The BESSON Law allows housing benefits from the CAF to be maintained and paid directly to the lender in the event of unpaid debt.

Who can benefit ?

Anyone receiving housing benefit