In two interviews, let's break down the causes of the real estate crisis.

France is entering the edge of the abyss. This can be explained by a combination of factors and implicit political will. One is the deputy of Puy-de-Dome, the other is the president of L'Œil (evolutionary real estate center) Auvergne. We discussed the real estate situation with Chrys-Bone and Serre. The situation has never been like this. I discussed it with the past generation and they say it is not the crisis of 2008, but rather 1990. In that year, the number of construction workers in Auvergne dropped from 140 to 28. We know that many of them will disappear today. What are the explanations for this?

The current model runs at an interest rate of 1 or 1.5%. We used that to add restrictions on construction. Environmental and others. As long as money is cheap, it's not a problem. But in two years' time. 'Interest rates have gone up to 4%. People can no longer afford to buy. They are no longer allowed to do so because of changes in the debt law. In addition, raw materials have risen by 20-25% because of the war in Ukraine and inflation. Construction is in crisis: repairmen are doing fine, but builders of new housing developments are sinking. And, of course, the Pinel Law, which expires on December 31, 2024. Just to build a complex, banks require a commitment for 50% of the property. We used to have 70% investors (mostly private individuals). Then 65% did it for a tax deduction. So we can't build anymore.

Christina Piir-Bona:

About three years ago, I'm no longer being asked about jobs, I'm no longer being asked about housing. This is happening in both private and''Social housing. Government saves on utilities, subsidy payments ... There are currently 400,000 people on the waiting list for social housing. The private sector is no better off either. There were 100,000 fewer private homes in 2017. We're talking about social and private housing, but we shouldn't forget about tourist accommodation.

Is there a political will behind this?

S. S: Even before his first term, Emmanuel Macron said that real estate was a subsidized area that needed to be cleaned up. Whereas it's proven that there are economic consequences for the state.''For example, the cost of a notary public is taxed 75% to the state, which distributes it to the inter-tenured. What is the place for local officials? "

H. P.-B.:

"Big is beautiful" has never been more relevant. Need to unify, unify, unify. Claims to be economizing. But it's everywhere, in ministries, everywhere. There is a contradictory statement: we should support decentralization and at the same time practice gradual centralization. Societies are created at two speeds. Imagine a simple example. I live in Menetrol, which is 80% owner-occupied. Riom, next door, is 20% social housing. Of course, if Menetrol increases the development potential, it means more opportunities. Some communes in Ile-de-France have 50% social''housing.

S. S.: The government does not control small structures. The goal is for real estate in France to be managed by 20 big financial structures. It is much easier for the government to influence the big structures. In this way, it will control this part of the economy. We talk to each other about the Soviet approach to real estate. Many participants are talking about the social bomb.

S. S: We are going down a path that England has known for two years - divorced people who are forced to live together. Young people who start work but have to live with their parents.

H. P.-B.:

We have reason to talk about the social bomb. When you have no housing, you have no prospects. When you have no shelter, you don't think about anything else. And the problem is that''anthony.