Ownership for All? The Beginnings of Social Access to Ownership

Thoughts and Practices of Habitat in France in the 20th Century
By Hélène Frouard

Small urban estates developed in France during the 20th century thanks to loan programs for first-time buyers. These low interest rate loans created in 1894 for wage-earners were developed with the support of the state. Contrary to contemporary bank mortgages, these loans were initially devised as a mechanism to ensure the social protection of the working class. This paper therefore seeks to examine the parallel development of theses loans and of a wage-earning society by studying the files of 73 borrowers of the Société Centrale de Crédit Immobilier, one of the important credit companies created in 1911.

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