While the government is working on “social leasing” for low-income households, BNP Paribas is launching a specific offer for single-parent families. The bank, associated with the car dealership 1807, offers them a special rental with option to purchase (LOA), “adapted to their budget”. Concretely, a father or a single mother, with children, can rent a car from 150 euros per month for a maximum period of ten years.
“As an indication, on the current market, a family pays a LOA between 300 and 400 euros over thirty-six or forty-eight months, underlines Christophe Michaeli, director of the automobile market at BNP Paribas Personal Finance. We have built a tailor-made offer, because we know that single-parent families are the most sensitive to the inflationary context that we are experiencing. »
Whether the customer is banked with BNP Paribas or not, he is not obliged to provide a deposit at the start of the rental. The only constraint, he cannot stop his contract when he wishes but must keep it “for a certain period, at least seven years for a ten-year rental, so that everyone can find their way around”, specifies the market director. of the automobile.
Electric, hybrid or bioethanol
As for the vehicle to which he is entitled, 1807 is offering second-hand Crit’Air 1 or 0 cars. dealer. Our desire is to enable these households to prepare for the arrival of low-emission zones (ZFE). Very often, their car is very old and they cannot afford to change it. »
A single-parent family, without contribution, can hope to obtain a gasoline Opel Corsa equipped with a bioethanol unit with only 30,000 km for 165 euros per month, for ten years, that is to say a total of 19,800 euros over this period. Note that the maintenance of the car is free throughout the rental contract and that the parts are guaranteed. “This makes it possible to be certain that it will remain in good condition, underlines Christophe Michaeli. And to protect yourself from possible life accidents or unforeseen events that would prevent an overhaul or repair from being carried out. »
Under the terms of the rental agreement, the household will also have the option of buying back the vehicle for a value of 1% of its original price. “In the example of the Opel Corsa, which today is worth 15,000 euros, the family can acquire it for 150 euros, specifies Christophe Cyrille. While it will be listed, after ten years, around 3,000 euros. »
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