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                <term xml:lang="en">land issues</term>
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                <term xml:lang="fr">foncier</term>
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              <p>Une tendance de fond domine les politiques du logement des pays à revenu intermédiaire depuis les années 1980 : la mon-tée en puissance de l’accession aidée à la propriété individuelle, c’est-à-dire via un crédit immobi-lier subventionné. Présenté comme un outil essentiel pour produire des logements abor-dables à destination des mé-nages modestes, les dispositifs d’accession à la propriété béné-ficient en réalité principalement aux classes moyennes émer-gentes et au développement des secteurs bancaires et immobiliers dans des pays comme l’Afrique du Sud, l’Inde, la Jordanie, le Liban et le Mexique qui ont servi de cas d’étude privilégiés pour ce papier.Première partie d’une étude en deux volets sur les politiques du logement abordable dans les pays des Suds, ce papier de recherche revient sur les princi-paux mécanismes et acteurs des politiques d’accession à la pro-priété et sur leurs impacts, à la fois pour les pratiques de l’industrie bancaire et pour les formes urbaines. Il met égale-ment en avant le bilan contrasté de ces politiques qui, si elles permettent à des millions de ménages des classes moyennes d’acquérir un logement, peuvent rendre plus vulnérables leurs bénéficiaires, du fait notamment de la qualité souvent très relative des ensembles résidentiels construits et de leur localisation périphérique, à distance des aménités des villes (emplois, services, etc.). Ce papier sou-ligne en outre l’impact générale-ment négatif de ces dispositifs en termes de mixité sociale et d’inégalités de patrimoine, voire franchement néfaste en matière d’environnement (artificialisation des sols, pollution, etc.) et de réchauffement climatique.</p>
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          <orgName type="acronym">UPN</orgName>
          <date type="start">1970-01-01</date>
          <desc>
            <address>
              <addrLine>200 avenue de la République - 92001 Nanterre cedex</addrLine>
              <country key="FR"/>
            </address>
            <ref type="url">http://www.parisnanterre.fr</ref>
          </desc>
        </org>
      </listOrg>
    </back>
  </text>
</TEI>