Real estate leasing :
expert support to simplify your projects

Are you a social economy player looking to finance a property asset such as a nursery, school, office, or nursing home?

Whether the building already exists, has yet to be built or requires renovation, real estate leasing is a solution adapted to projects for over €500,000. It takes the form of a long-term lease with an option to purchase at the end of the contract.


Possibility of financing the asset in full

Packaged approach for construction projects

Lease payments assigned to the operating budget

Access to subsidies granted by local and territorial authorities


Support from experts



Legal experts, specialists in insurance, valuation, worksites, etc. intervene throughout the lifetime of your operation to make sure everything goes smoothly

Insurance for death and total and irreversible loss of autonomy



Covers the business leader, associate or guarantor in case of death or invalidity(1)

Multi-risk building insurance



A level of cover that safeguards your building and integrates lease payment coverage in case of a major disaster(2)

Construction insurance



For construction projects: contractor’s or builder’s liability insurance and property developer insurance, comprehensive worksite insurance, property developer civil liability insurance(2)

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Our real estate leasing experts will guide your throughout your project to secure your financing. This involves establishing a personalized package in line with your needs, safeguarding the operation faced with ever more stringent regulations, and simplifying administrative and accounting tasks, among others.


France’s leader for real estate leasing, BPCE Lease brings you all its expertise, and supports numerous clients in the associative sector and the social and solidarity economy.

Pricing of real estate leasing’s administrative actions

(1) Insurance covering death, total and irreversible loss of autonomy, and incapacity for work is provided via a contract with BPCE Vie, a company governed by the French Insurance Code.
(2) Equipment breakdown insurance is provided via a contract with MMA IARD, a company governed by the French Insurance Code.

To find out more about the insurance schemes, refer to the precontractual information documents. For leases with an increased health risk, refer to the “Aeras” convention website.

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Charles Pontieux

Nursing home manager

We received support from multidisciplinary teams, complete with follow-up and advice at every step of the operation.


Have you considered installing solar panels ?

Either built into or superimposed on your building, you can use them for your own consumption needs and/or to sell your surplus energy.

An advocate of sustainable energies and committed to protecting our planet, BPCE Lease will help you set up your application.