This is the annual cost relative to the right to occupy the main residence borne by the household
- The gross financial charge is equal, for first-time buyers, to the total amount of repayments made during the past twelve months of loans contracted for the purchase of their main residence. For tenants, it is the annual rent paid to occupy the main residence. Households having another occupancy status (non-first-time buyers, people housed for free, etc.) have zero expenses.
- The net financial charge is obtained by subtracting the annual amount of any housing benefit received by the household from the gross financial charge. When the amount of benefit is greater than the gross financial charge, the net financial charge is considered to be zero.