simulation, student … Everything you need to know before the aid is paid


APL 2020. Next week, some APL beneficiaries will receive the exceptional solidarity aid from CAF. Are students affected? What are the amounts? We take stock.

[Mis à jour le 17 novembre 2020 à 09h49] Are you still struggling to understand who will be able to benefit from CAF’s exceptional solidarity aid? Only certain beneficiaries are concerned. The government has decided to renew the perimeter applied in the spring, during the first payment of this aid. Families with a dependent child under twenty will therefore receive exceptional aid. In the context of the second epidemic wave, the executive decided to extend aid to the youngest: benefit recipients under 25. To be eligible, you must not only receive the APL, but be a non-student or, failing that, a salaried student or apprentice. If you are therefore only a student, you will not receive the exceptional solidarity aid paid by CAF on November 27. On the other hand, be aware that if you are a grant holder, you will receive financial assistance from CROUS at the beginning of December. There is no step to take upstream, because the payment is automatic. To find out the amount you will receive, go below.

The renewal of exceptional aid is taking place in a very specific context for APLs. AT From January 2021, the CAF benefit will be calculated over the last twelve rolling months, and no longer resources going back two years. Young workers, who have so far benefited from a windfall effect, are therefore not immune to seeing their allowance drop or even disappear. (read below). This so-called real-time APL reform should have entered into force, but it has been postponed many times, due to CAF’s technical difficulties. It was scheduled for April 1 but was, once again, postponed, this time due to the coronavirus health crisis.

As explained previously, not all beneficiaries are affected. The amount of exceptional CAF assistance depends on both your social and family situation. Here is what awaits you:

  • Families – with at least one dependent child under the age of 20 – benefiting from APL : 100 euros per child.
  • Young people under 25, non-students (or apprentices or salaried students) and receiving APL : 150 euros.

The payment of the CAF is scheduled for Friday, November 27. For the time being, the details of this bonus have not yet been the subject of a corresponding decree.

Are you one of the households for whom this second confinement results in a drop in your income? Linternaute.com has identified for you the existing assistance systems and the levers that you can use to manage your budget as well as possible in this difficult period. Consult our file right here:

You have the possibility to do a simulation of eligibility for the APL on the Caf website, here, or on the site My social rights set up by the government. To do this, click here. You will need to fill in your family situation (alone or in a couple, with or without dependent children), your personal situation (pregnancy, parental leave, job seeker, student, etc.) and your accommodation (postal code, agreement or no, specify if it is a shared apartment, if it is furnished or not …), as well as your resources. With the My social rights site, you will obtain details of all the assistance to which you can claim depending on your situation.

The APL is granted to a person or family for accommodation. Since January 10, sublets can benefit from APL, if they meet very specific conditions: the sub-tenants must be linked to a tenant over 60 years old, and be themselves either disabled or aged under 30 or over 60. This decree allows tenants to receive APL at the same time as their subtenants, noted Capital.fr. The APL of the latter will be calculated according to the rent paid to the tenant. The accommodation must meet the criteria of decency. Housing must also be approved, in other words, your lessor (or the managing body) must have signed an agreement with the State opening the right to APL and aid from theAnah. To this are added resource conditions. The CAF establishes ceilings, which change according to the location of the accommodation and the composition of the household (read below).

Yes. Personalized housing assistance can benefit rentals, but also shared flats and residences in shelters (student residence for example), provided that the accommodation is your main residence and located in France. As a student, remember that you must meet the income criteria established by the Family Allowances Fund.

To determine the amount of your APL, the Family Allowances Fund uses a scale. This takes into account the the applicant’s resources (those of 2018 for an application in 2020, pending the entry into force of the reform), his professional situation, the geographical location of his home and the composition of the household. It then determines a maximum amount of support. Here are the scales that apply since the decree September 25, 2020:

Household composition Zone 1 Zone 2 Zone 3
Single person 296,82€ 258,59€ 242,46€
Couple without dependents 357,99€ 316,64€ 293,92€
Couple with a dependent 404,60€ 356,30€ 329,56€
Per additional person 58,70€ 51,86€ 47,23€
Source: Decree of September 27, 2019, applicable since October 1, 2019

As a reminder, zone 1 concerns Île-de-France and zone 2 towns with more than 100,000 inhabitants and other new towns. Zone 3 is made up of the rest of France. In addition to the amount of your rent, your resources are taken into account. For the year 2020, in the absence of a new calculation – which must be applied in January, as explained previously, the income for the year 2018 is retained. “In the event of resources lower than a certain amount, a minimum floor of resources, that is to say a flat rate, can be automatically registered in certain cases”, we can read on the dedicated site of the Caf. “For example, for students in hostels, € 4,900 when the applicant is a grant holder, or € 6,000 if he is not a grant holder”.

The entire application procedure is carried out online at the Caf website. To put together your file, you will need to scan an identity document, your bank account statement and a rental or residence certificate, signed by the owner or the hostel. Make sure you apply for APL as soon as you enter your new home, as the first payment comes two months later. The retroactivity of this aid has been abolished. Personalized housing assistance is paid every month (the 25th of the month for HLM recipients and the 5th of the month for others). In general, it is granted directly to the owner or lender who must deduct it from the amount of your rent or the monthly payments of the loan that you have taken out.

Owners can also apply for the APL in order to gain access to the property. To do this, they must have taken out an approved loan before February 1, 2018 or from February 1, 2018 if you buy old housing in zone 3. To find out the zoning of your municipality, the public service site has set up a simulator , here. The allocation of the PLA depends, again, on conditions of resources. The request is made, as for tenants, on the Caf site. You will need to hand over the loan certificates issued by your bank.

To justify this reform of the APL, the executive speaks of “social justice”. It also ensures that the system will be more protective in times of crisis, partial activity or unemployment. The reform will also allow savings to be made, the contemporaneity de facto removing windfall effects. According to The echoes, the target was however revised due to the health crisis, going from 1 billion to 700 million euros.

In total, these are 1.2 million people at risk of seeing the amount of personalized housing assistance decrease, and 600,000 could even see it disappear, if we believe the figures unveiled last year. It is notably the case of young workers who have just entered the labor market, who have so far benefited from a deadweight effect. These figures should be taken with caution in the context of the health crisis.

An example ? “A single person who earned 1,000 euros per month in 2019, then 1,100 euros in 2020, will see his APL gradually drop over a year from 77 to 44 euros per month,” explained Emmanuelle Wargon, Minister for Housing, in the columns of the Parisian. “Conversely, an employee who experiences a period of partial unemployment from April to August 2020 will see his APL increase by around 30 euros per month. This reform is just because it adapts to people’s income.”

What about the fate of students, many of whom benefit from APL? The Deputy Minister assures us that they will not be losers. Those who are students under 28 and without resources will not see their situation change. What about those who have a student job? “We are going to switch to a package for students,” she said. “It will be advantageous for those who work part-time, for example”. Be careful though, their income should not exceed 7,000 euros per year if they do not want to see their APL drop.

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