# BRS 2026 — Bail Réel Solidaire: buying a home at a reduced price \| Handee > 2026 guide to the Bail Réel Solidaire (BRS): how it works, conditions, 2026 income ceilings (tables), regulated resale, steps, FAQ and official sources (Service-Public, BoRiS, Légifrance). ## How does the BRS lower the price? You buy the home You become the owner of the building (apartment/house) through real property rights. The OFS keeps the land The land belongs to the OFS (a state-approved body). You pay a monthly ground fee for the land. Regulated price & resale On resale, the price is capped (indexation + works according to the lease rules), in order to keep the home affordable. BRS duration: 18 to 99 years\. On resale (or transfer), a new BRS is concluded for a duration of at least 18 years. ## Eligibility conditions in 2026 A. Primary residence The home purchased under a BRS must be occupied as your primary residence\. B. Income ceilings Your reference tax income must not exceed certain ceilings, which vary by zone (Abis/A/B1/B2/C) and household composition. C. Conditions on existing property assets Since 1 January 2025, access to the BRS requires, in particular, that you do not own a suitable home (or a home generating sufficient income to buy on the private market) at the time you can actually occupy the BRS home. D. Approval by the OFS + financing structure The OFS verifies eligibility, oversees resale and sets the rules (ground fee, indexation, works, etc.). The bank assesses solvency just as it would for a standard purchase. In practice, every BRS operation has its own specifics: read the lease carefully (ground fee, resale, works, possible partial letting…). ## BRS income ceilings — in force since January 2026 Table of 2026 ceilings by household category and zone. (Source: BoRiS — official platform of the ministry in charge of housing.) Category Household composition Zones A & Abis Zone B1 Zones B2 & C 1 1 single person €38,844 €38,844 €33,771 2 2 people (no dependants, excluding young couples) or 1 person with a disability €58,057 €58,057 €45,100 3 3 people / 1 adult + 1 dependant / young couple / 2 people incl. 1 with a disability €76,105 €69,786 €54,235 4 4 people / 1 adult + 2 dependants / 3 people incl. 1 with a disability €90,863 €83,594 €65,476 5 5 people / 1 adult + 3 dependants / 4 people incl. 1 with a disability €108,107 €98,956 €77,023 6 6 people / 1 adult + 4 dependants / 5 people incl. 1 with a disability €121,650 €111,359 €86,805 \+ 1 person Per additional person \+ €13,557 \+ €12,408 \+ €9,683 For a quick check: BoRiS offers an eligibility simulator (see the links in "Official sources"). ## Purchase price, ground fee and resale: what is regulated A. Purchase price The goal is a below-market price, since the buyer does not purchase the land. The details depend on the development and the OFS. B. Monthly ground fee It pays for the use of the land (and sometimes management). It varies by area and operation. C. Regulated resale Before selling, you notify the OFS. The maximum price is calculated according to the lease rules (indexation + possible valuation of works under the contract). ### "Price cap" reference (regulatory framework) The Construction and Housing Code refers to an order setting price caps (notably via the PSLA references). The consolidated version available on Légifrance as of 20/01/2026 shows the caps below (to be read as a regulatory reference; the BRS operation remains managed by the OFS). Zone Cap (€/m² of usable floor area) Source (Légifrance) A bis 6,170 Order of 26 March 2004 (annex II), as amended A 4,675 Order of 26 March 2004 (annex II), as amended B1 3,744 Order of 26 March 2004 (annex II), as amended B2 3,269 Order of 26 March 2004 (annex II), as amended C 2,857 Order of 26 March 2004 (annex II), as amended Note: "usable floor area" and pricing rules (VAT included at the time of transfer, rules for valuing works, etc.) are governed by the Construction and Housing Code and the BRS lease. For a real project, ask the OFS and the notary for the exact calculation. ## Financing: PTZ, bank loan, local aid PTZ (if eligible) A BRS purchase can be financed with a zero-interest loan (PTZ) if you meet the PTZ conditions. Main loan + insurance As with any property purchase: amortising loan, borrower's insurance, guarantees (guarantee company/mortgage depending on the structure). Good reflex: ask the OFS whether there is any local aid (local authorities) or specific banking partnerships. ## Practical steps + application checklist - 1) Find a BRS offer Find a development via the official BoRiS platform or local OFS bodies. - 2) Check eligibility Income, zone, household composition, conditions on existing property assets. - 3) Arrange the financing Bank simulation, PTZ if applicable, financing plan, insurance. - 4) Signing (notary) Signing of the deed + BRS lease. Read the clauses carefully (resale, works, possible letting, ground fee). "Income" documents - Tax notice (reference tax income) - Proof of personal situation - Household composition "Project" documents - Address + zone (Abis/A/B1/B2/C) - Price, floor plan, specifications - Ground fee & OFS rules "Bank" documents - Payslips / financial statements - Bank statements / savings / down payment - Borrower's insurance ## FAQ Am I "really" an owner under a BRS? You own the home (real property rights) for the duration of the lease. The land remains the property of the OFS. It is this separation that reduces the price. Can I resell whenever I want? Yes, resale is possible. But the price is regulated and the buyer must be eligible. You must notify the OFS, which tells you the maximum authorised price under the lease rules. Is the BRS compatible with the PTZ? Yes, a BRS purchase can be financed with a PTZ if you meet the PTZ criteria (in addition to the BRS ones). ## Other home-ownership schemes Alongside or as an alternative to the BRS, other schemes can help you become a homeowner. Primary residence guide A complete overview of buying a new home as a primary residence: benefits, steps, guarantees. Learn more → PTZ (zero-interest loan) An interest-free loan of up to 50% of the price for first-time buyers, compatible with the BRS. Learn more → 5.5% VAT For homes in QPV/ANRU areas, with income ceilings and capped prices. A significant VAT reduction. Learn more → Controlled-price housing A local scheme: price capped by the local authority, with income conditions and anti-speculation clauses. Learn more → ## Disclaimer The information in this article comes from the official sources listed in the "Official sources" section at the bottom of the page. Handee cannot be held liable for any errors, omissions or interpretations of the information presented. If in doubt, or for any question specific to your situation, please consult the official sources mentioned directly (Service-Public.fr, Légifrance, ANIL, etc.) or contact a qualified professional (notary, tax adviser, banker). Eligibility conditions, scales and rules may change. Only official sources are authoritative. ## Official sources The information in this article is linked to public references that help verify the applicable conditions and procedures. - Bail réel solidaire: buying a home at an affordable price - Service-Public.fr Official news on the Bail Réel Solidaire - Everything you need to know about the BRS - BoRiS (beta.gouv.fr) Official explanations + FAQ on the BRS (ministry in charge of housing) - Eligibility simulator + income ceilings - BoRiS Official simulator and income ceilings in force since January 2026 - BRS: definition (articles L255-1 to L255-6) - Légifrance French Construction and Housing Code - Legislative part - BRS: regulatory provisions (articles R255-1 to R255-11) - Légifrance French Construction and Housing Code - Regulatory part - Order of 26 March 2004 (PSLA price caps) - Légifrance Order setting the price caps (consolidated version + annexes) ## HTML / llms.txt - [HTML](https://handee.fr/en/achat-logement/residence-principale/brs) - [llms.txt](https://handee.fr/en/achat-logement/residence-principale/brs/llms.txt)