{"id":21016,"date":"2026-11-06T13:59:47","date_gmt":"2026-11-06T13:59:47","guid":{"rendered":"https:\/\/www.cltweb.org\/bibliotheque-de-ressources\/les-racines-du-mouvement-clt\/du-modele-au-mouvement\/faire-fructifier-largent\/"},"modified":"2026-11-08T15:29:34","modified_gmt":"2026-11-08T15:29:34","slug":"faire-fructifier-largent","status":"publish","type":"page","link":"https:\/\/www.cltweb.org\/fr\/bibliotheque-de-ressources\/les-racines-du-mouvement-clt\/du-modele-au-mouvement\/faire-fructifier-largent\/","title":{"rendered":"Faire fructifier l&rsquo;argent"},"content":{"rendered":"\n<div class=\"wp-block-group clt-ph is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"clt-ph-label wp-block-paragraph\">Le Guide du jardinier \u00b7 Partie 4 \u00b7 Chapitre 4 sur 6<\/p>\n\n\n\n<h1 class=\"wp-block-heading clt-ph-title\">Secouer l\u2019arbre \u00e0 argent<\/h1>\n\n\n\n<p class=\"clt-ph-desc wp-block-paragraph\">Comment le soutien f\u00e9d\u00e9ral et des \u00c9tats a commenc\u00e9 \u00e0 fournir aux CLT l\u2019argent n\u00e9cessaire au foncier, au logement et au fonctionnement, apr\u00e8s des d\u00e9buts frein\u00e9s par le manque de financement.<\/p>\n\n\n\n<p class=\"clt-ph-facts wp-block-paragraph\">Par John Emmeus Davis \u00b7 Illustrations de Bonnie Acker \u00b7 2014<\/p>\n<\/div>\n\n<h2 id=\"h-federal-and-state-support-for-clt-projects-and-clt-operations\" class=\"wp-block-heading\">Soutien f\u00e9d\u00e9ral et r\u00e9gional aux projets et au fonctionnement des CLT<\/h2>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af2613663343&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af2613663343\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"264\" height=\"300\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-Money-Tree-264x300.jpg\" alt=\"Illustration : L'arbre &#xE0; argent\" class=\"wp-image-21096\" style=\"width:264px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-Money-Tree-264x300.jpg 264w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-Money-Tree-901x1024.jpg 901w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-Money-Tree-768x873.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-Money-Tree-1352x1536.jpg 1352w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-Money-Tree.jpg 1394w\" sizes=\"auto, (max-width: 264px) 100vw, 264px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><figcaption class=\"wp-element-caption\">Illustration de Bonnie Acker \u00a9 2014<\/figcaption><\/figure>\n\n<p class=\"wp-block-paragraph\">Chaque CLT a besoin de ressources financi\u00e8res consid\u00e9rables pour acqu\u00e9rir des terrains, construire des logements (et d\u2019autres b\u00e2timents), accorder des pr\u00eats hypoth\u00e9caires et assurer le fonctionnement d\u2019une organisation \u00e0 but non lucratif dont les responsabilit\u00e9s de gestion sont cens\u00e9es s\u2019\u00e9tendre \u00e0 perp\u00e9tuit\u00e9. Le manque de ces ressources, tant en fonds propres qu\u2019en dette, a constitu\u00e9 un obstacle majeur au d\u00e9veloppement de l\u2019<br\/> des CLT au cours des premi\u00e8res ann\u00e9es.<\/p>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af2613663e4b&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af2613663e4b\" class=\"wp-block-image alignleft size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"215\" height=\"300\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Bonnie-graphic-rainbow-215x300.jpg\" alt=\"Bonnie - motif arc-en-ciel\" class=\"wp-image-21097\" style=\"width:95px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Bonnie-graphic-rainbow-215x300.jpg 215w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Bonnie-graphic-rainbow.jpg 246w\" sizes=\"auto, (max-width: 215px) 100vw, 215px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n<p class=\"wp-block-paragraph\">\u00c0 mesure que les subventions publiques et les pr\u00eats priv\u00e9s sont devenus plus accessibles aux CLT dans les ann\u00e9es 1980, le nombre et la taille de ces derni\u00e8res ont commenc\u00e9 \u00e0 augmenter. Deux tendances se sont r\u00e9v\u00e9l\u00e9es particuli\u00e8rement d\u00e9terminantes pour stimuler les projets et les activit\u00e9s de ces jeunes organisations :<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Soutien f\u00e9d\u00e9ral aux CLT<\/li>\n\n\n\n<li>Soutien des \u00c9tats aux CLT<\/li>\n<\/ul>\n\n<h2 id=\"h-federal-support-for-clts\" class=\"wp-block-heading\">Soutien f\u00e9d\u00e9ral aux CLT<\/h2>\n\n<p class=\"wp-block-paragraph\">Avec l\u2019adoption de la loi nationale sur le logement abordable (National Affordable Housing Act, NAHA) en 1990, les villes et les \u00c9tats ont commenc\u00e9 \u00e0 utiliser des fonds de transfert provenant du gouvernement f\u00e9d\u00e9ral pour soutenir les projets et le fonctionnement de ce que la NAHA appelait les \u00ab organisations de d\u00e9veloppement du logement communautaire \u00bb. Non seulement les CLT avaient int\u00e9r\u00eat \u00e0 s\u2019assurer de leur \u00e9ligibilit\u00e9 \u00e0 ce financement, mais elles souhaitaient \u00e9galement veiller \u00e0 ce que la d\u00e9finition d\u2019un CLT dans la l\u00e9gislation f\u00e9d\u00e9rale soit conforme \u00e0 la mani\u00e8re dont la plupart des CLT \u00e9taient structur\u00e9es et fonctionnaient.<\/p>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af26136649fe&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af26136649fe\" class=\"wp-block-image alignleft size-full is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"283\" height=\"178\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Bernie-Sanders-in-DC.jpeg\" alt=\"Bernie Sanders &#xE0; Washington\" class=\"wp-image-21098\" style=\"width:146px;height:auto\"\/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af2613665338&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af2613665338\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"137\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Newspaper-Burlington-300x137.jpg\" alt=\"Journal de Burlington\" class=\"wp-image-21100\" style=\"width:272px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Newspaper-Burlington-300x137.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Newspaper-Burlington-1024x468.jpg 1024w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Newspaper-Burlington-768x351.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Newspaper-Burlington-1536x702.jpg 1536w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Newspaper-Burlington-2048x936.jpg 2048w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n<p class=\"wp-block-paragraph\">Ne faisant pas confiance \u00e0 l\u2019administration f\u00e9d\u00e9rale pour d\u00e9crire avec pr\u00e9cision les \u00e9l\u00e9ments essentiels de propri\u00e9t\u00e9, d\u2019organisation et de fonctionnement qui caract\u00e9risaient le CLT \u00ab classique \u00bb, un petit groupe de d\u00e9fenseurs des CLT a d\u00e9cid\u00e9 de prendre les devants sur le HUD. Ils ont demand\u00e9 au d\u00e9put\u00e9 Bernie Sanders, qui avait contribu\u00e9 \u00e0 la cr\u00e9ation du Burlington Community Land Trust lorsqu\u2019il \u00e9tait maire de Burlington, d\u2019ins\u00e9rer une d\u00e9finition favorable du \u00ab community land trust \u00bb dans la loi de 1992 sur le logement et le d\u00e9veloppement communautaire. M. Sanders a fait adopter cet amendement par le Congr\u00e8s, qui l\u2019a promulgu\u00e9 sans modification (<em>Compte rendu du Congr\u00e8s \u2013 Chambre des repr\u00e9sentants<\/em>, 5 octobre 1992 : H11966).<\/p>\n\n<p class=\"wp-block-paragraph\">Les amendements apport\u00e9s en 1992 \u00e0 la loi nationale sur le logement abordable (National Affordable Housing Act) ne se sont pas content\u00e9s de fournir une d\u00e9finition standard des CLT. Ils ont ouvert la voie \u00e0 un financement f\u00e9d\u00e9ral. Apr\u00e8s 1992, un nombre bien plus important de CLT ont pu obtenir le statut d\u2019\u00ab organisation de d\u00e9veloppement du logement communautaire \u00bb (CHDO). Beaucoup d\u2019autres ont ainsi pu b\u00e9n\u00e9ficier d\u2019un financement du programme f\u00e9d\u00e9ral HOME pour leurs activit\u00e9s et leurs projets.<\/p>\n\n<p class=\"wp-block-paragraph\">Tout aussi important, une aide technique financ\u00e9e par le gouvernement f\u00e9d\u00e9ral a \u00e9t\u00e9 mise \u00e0 la disposition des CLT pour la premi\u00e8re fois. En novembre 1994, le minist\u00e8re am\u00e9ricain du Logement et du D\u00e9veloppement urbain (HUD) a octroy\u00e9 \u00e0 l\u2019Institute for Community Economics (ICE) une subvention d\u2019aide technique de 470 000 dollars sur trois ans. Gr\u00e2ce \u00e0 ces fonds (et \u00e0 deux autres subventions d\u2019assistance technique accord\u00e9es ult\u00e9rieurement par le HUD), l\u2019ICE a permis la cr\u00e9ation de CLT dans plusieurs \u00c9tats o\u00f9 il n\u2019en existait aucun auparavant, a soutenu des dizaines de CLT qui en \u00e9taient \u00e0 leurs d\u00e9buts et a aid\u00e9 de nombreux CLT existants \u00e0 devenir plus productifs. Une partie de cette subvention f\u00e9d\u00e9rale a \u00e9galement servi \u00e0 financer la r\u00e9vision et la publication, en 2002, de  <em>Manuel juridique sur les fiducies fonci\u00e8res communautaires<\/em>.<\/p>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af2613665d15&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af2613665d15\" class=\"wp-block-image alignleft size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"171\" height=\"300\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/DC-Policy-Conference-SarahPage-JulieOrvis-2002-171x300.jpg\" alt=\"Conf&#xE9;rence sur les politiques publiques &#xE0; Washington : Sarah Page et Julie Orvis &#x2013; 2002\" class=\"wp-image-21102\" style=\"width:122px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/DC-Policy-Conference-SarahPage-JulieOrvis-2002-171x300.jpg 171w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/DC-Policy-Conference-SarahPage-JulieOrvis-2002.jpg 542w\" sizes=\"auto, (max-width: 171px) 100vw, 171px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n<p class=\"wp-block-paragraph\">C&rsquo;est \u00e9galement vers 1992 que, \u00e0 la demande des CLT locaux et sous l&rsquo;impulsion de l&rsquo;ICE, Fannie Mae a commenc\u00e9 \u00e0 \u00e9laborer des avenants destin\u00e9s \u00e0 \u00eatre utilis\u00e9s en compl\u00e9ment des baux fonciers des CLT. Fannie Mae a publi\u00e9 un \u00ab avenant type de bail \u00bb destin\u00e9 aux CLT en 2001. Dans le cadre de ce m\u00eame ensemble de documents, Fannie Mae a \u00e9galement publi\u00e9 <em>des lignes directrices relatives \u00e0 l\u2019\u00e9valuation d\u2019un bien immobilier faisant l\u2019objet d\u2019un droit de bail et\/ou d\u2019un Community Land Trust<\/em>. Ce document a aid\u00e9 les pr\u00eateurs et les experts immobiliers \u00e0 \u00e9valuer les transactions li\u00e9es aux CLT.<\/p>\n\n<p class=\"wp-block-paragraph\">Bien que tr\u00e8s peu de pr\u00eats hypoth\u00e9caires li\u00e9s \u00e0 des baux CLT aient jamais \u00e9t\u00e9 c\u00e9d\u00e9s \u00e0 Fannie Mae, l\u2019existence d\u2019une clause \u00ab type \u00bb de Fannie Mae et la publication par cette derni\u00e8re de lignes directrices pour l\u2019\u00e9valuation des biens immobiliers en bail ont contribu\u00e9 \u00e0 renforcer la confiance des pr\u00eateurs priv\u00e9s dans le mod\u00e8le CLT, rendant ainsi le financement hypoth\u00e9caire plus largement accessible pour les logements soumis \u00e0 des restrictions de revente situ\u00e9s sur des terrains lou\u00e9s. M\u00eame lorsqu\u2019un banquier n\u2019utilisait pas l\u2019avenant de Fannie Mae ou ne tirait pas parti du produit de pr\u00eat sp\u00e9cial que Fannie Mae a d\u00e9velopp\u00e9 par la suite pour les CLT, il y avait moins de r\u00e9ticence \u00e0 soutenir un mod\u00e8le que Fannie Mae avait reconnu comme une approche raisonnable et bancable de l\u2019accession \u00e0 la propri\u00e9t\u00e9.<\/p>\n\n<h2 id=\"h-state-support-for-clts\" class=\"wp-block-heading\">Soutien de l&rsquo;\u00c9tat aux CLT<\/h2>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af26136667be&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af26136667be\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"68\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/VHCB-logo-300x68.jpg\" alt=\"Logo du VHCB\" class=\"wp-image-21104\" style=\"width:229px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/VHCB-logo-300x68.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/VHCB-logo.jpg 448w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n<p class=\"wp-block-paragraph\">En 1987, la l\u00e9gislature du Vermont a cr\u00e9\u00e9 un fonds fiduciaire financ\u00e9 par l\u2019\u00c9tat, d\u00e9di\u00e9 au logement et \u00e0 la conservation, dont la gestion a \u00e9t\u00e9 confi\u00e9e \u00e0 un organisme public d\u00e9nomm\u00e9 le Vermont Housing and Conservation Board (VHCB). La loi portant cr\u00e9ation du fonds fiduciaire et du VHCB stipulait que tout logement b\u00e9n\u00e9ficiant d\u2019une aide du VHCB devait rester accessible \u00e0 perp\u00e9tuit\u00e9 aux habitants du Vermont \u00e0 faibles revenus. Les fonds du VHCB pouvaient \u00e9galement servir \u00e0 financer les capacit\u00e9s des organisations \u00e0 but non lucratif proposant ce type de logements.<\/p>\n\n<p class=\"wp-block-paragraph\">Bien que le Vermont n&rsquo;ait pas \u00e9t\u00e9 le premier \u00c9tat \u00e0 cr\u00e9er un fonds fiduciaire d\u00e9di\u00e9 au logement financ\u00e9 par des fonds publics, il <em>a \u00e9t\u00e9<\/em> le premier \u00e0 imposer <em>une mesure permanente<\/em>  l&rsquo;accessibilit\u00e9 financi\u00e8re pour tout logement locatif ou occup\u00e9 par son propri\u00e9taire b\u00e9n\u00e9ficiant d&rsquo;une aide de son fonds fiduciaire. En effet, la plupart des fonds fiduciaires d&rsquo;\u00c9tat pour le logement cr\u00e9\u00e9s dans les ann\u00e9es 1980 et 1990 pr\u00e9voyaient des exigences d&rsquo;accessibilit\u00e9 financi\u00e8re dont la dur\u00e9e ne d\u00e9passait pas 15 ans. Et cela concernait principalement les logements locatifs. Il \u00e9tait rare que l\u2019accessibilit\u00e9 financi\u00e8re soit maintenue \u00e0 long terme pour les logements occup\u00e9s par leur propri\u00e9taire b\u00e9n\u00e9ficiant du soutien d\u2019un fonds fiduciaire d\u2019\u00c9tat d\u00e9di\u00e9 au logement. Seul l\u2019\u00c9tat de Rhode Island pr\u00e9voyait une dur\u00e9e d\u2019accessibilit\u00e9 financi\u00e8re obligatoire proche de celle du Vermont, mais la l\u00e9gislature de cet \u00c9tat n\u2019avait pas pr\u00e9vu de source de recettes d\u00e9di\u00e9e au Rhode Island Housing and Conservation Trust Fund, cr\u00e9\u00e9 par une loi de l\u2019\u00c9tat en 1990.<\/p>\n\n<p class=\"wp-block-paragraph\">C&rsquo;est en grande partie gr\u00e2ce au soutien apport\u00e9 par la VHCB au logement abordable \u00e0 long terme en g\u00e9n\u00e9ral \u2013 et au mod\u00e8le des \u00ab community land trusts \u00bb (CLT) en particulier \u2013 que le Vermont comptait plus de CLT que tout autre \u00c9tat jusqu&rsquo;\u00e0 la fin des ann\u00e9es 1990. Au cours de cette m\u00eame p\u00e9riode, environ un quart de l\u2019ensemble des logements construits et g\u00e9r\u00e9s par des CLT \u00e0 l\u2019\u00e9chelle nationale se trouvaient dans le Vermont.<\/p>\n\n<p class=\"wp-block-paragraph\">Un autre facteur ayant contribu\u00e9 \u00e0 la prolif\u00e9ration et \u00e0 l&rsquo;ampleur du d\u00e9veloppement des CLT dans le Vermont a \u00e9t\u00e9 la volont\u00e9 de l&rsquo;Agence de financement du logement du Vermont (VHFA) d&rsquo;accorder des pr\u00eats hypoth\u00e9caires pour des logements soumis \u00e0 des restrictions de revente situ\u00e9s sur des terrains lou\u00e9s. Pendant plusieurs ann\u00e9es, la VHFA a propos\u00e9 un produit hypoth\u00e9caire sp\u00e9cifique pour les logements CLT, jusqu&rsquo;\u00e0 ce que la Grande R\u00e9cession mette fin \u00e0 ce programme.<\/p>\n\n<figure class=\"wp-block-image alignleft size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"232\" height=\"105\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/WSHFC-logo.jpg\" alt=\"Logo du WSHFC\" class=\"wp-image-21105\" style=\"width:197px;height:auto\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">L\u2019\u00c9tat de Washington a lui aussi \u00e9t\u00e9 l\u2019un des premiers \u00e0 s\u2019engager dans cette voie, en proposant \u00e0 la fois des financements par apport en capital et des pr\u00eats hypoth\u00e9caires pour les logements g\u00e9r\u00e9s par les CLT. Le Fonds fiduciaire pour le logement de l\u2019\u00c9tat de Washington a \u00e9t\u00e9 cr\u00e9\u00e9 la m\u00eame ann\u00e9e que le Fonds fiduciaire pour le logement et la conservation du Vermont. Bien qu\u2019il n\u2019exige\u00e2t au d\u00e9part qu\u2019une accessibilit\u00e9 financi\u00e8re garantie pendant 15 ans seulement, cette dur\u00e9e a ensuite \u00e9t\u00e9 port\u00e9e \u00e0 40 ans pour les projets b\u00e9n\u00e9ficiant d\u2019une aide, et les fiducies fonci\u00e8res communautaires ont \u00e9t\u00e9 explicitement mentionn\u00e9es comme un \u00ab type de projet \u00e9ligible \u00bb au soutien du fonds fiduciaire. Tout comme dans le Vermont, la mise \u00e0 disposition, dans l\u2019\u00c9tat de Washington, d\u2019un financement hypoth\u00e9caire pour les logements des CLT par la Commission de financement du logement de l\u2019\u00c9tat de Washington a rev\u00eatu une importance tout aussi grande. En 2000, le seul \u00c9tat comptant davantage de CLT que le Vermont \u00e9tait celui de Washington.<\/p>\n\n<div class=\"wp-block-group has-palette-color-6-background-color has-background is-layout-constrained wp-container-core-group-is-layout-3493ed78 wp-block-group-is-layout-constrained\" style=\"border-radius:10px;margin-top:48px;padding-top:28px;padding-right:28px;padding-bottom:28px;padding-left:28px\">\n<h2 id=\"h-key-dates\" class=\"wp-block-heading\" style=\"margin-top:0\">Dates cl\u00e9s<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1987<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La loi relative au Fonds fiduciaire pour le logement et la conservation du Vermont est adopt\u00e9e par l&rsquo;Assembl\u00e9e l\u00e9gislative de l&rsquo;\u00c9tat.<\/li>\n\n\n\n<li>Le Fonds fiduciaire pour le logement de l&rsquo;\u00c9tat de Washington est cr\u00e9\u00e9.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1990<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La loi nationale sur le logement abordable de 1990 est promulgu\u00e9e, cr\u00e9ant le programme HOME et d\u00e9finissant les organisations de d\u00e9veloppement du logement communautaire (Community Housing Development Organizations).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1992<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La d\u00e9finition f\u00e9d\u00e9rale du \u00ab community land trust \u00bb a \u00e9t\u00e9 ajout\u00e9e \u00e0 la loi de 1992 sur le logement et le d\u00e9veloppement communautaire. L&rsquo;article 703 de cette m\u00eame loi modifie l&rsquo;article 502(a) de la loi sur le logement de 1949, en supprimant les obstacles au programme de pr\u00eats hypoth\u00e9caires g\u00e9r\u00e9 par le minist\u00e8re am\u00e9ricain de l&rsquo;Agriculture qui emp\u00eachaient les CLT des zones rurales d&rsquo;obtenir des pr\u00eats au titre de l&rsquo;article 502 aupr\u00e8s de l&rsquo;Agence pour le d\u00e9veloppement rural (anciennement la Farmers Home Administration).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1993<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le d\u00e9partement de la planification et du d\u00e9veloppement communautaires (CPD) du HUD publie et diffuse le document intitul\u00e9 \u00ab Les fiducies fonci\u00e8res communautaires et le programme HOME \u00bb, avis CPD n\u00b0 94-42.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1994<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le HUD attribue \u00e0 l&rsquo;Institute for Community Economics (ICE) la premi\u00e8re d&rsquo;une s\u00e9rie de subventions d&rsquo;assistance technique destin\u00e9es \u00e0 aider les CLT locaux \u00e0 se cr\u00e9er ou \u00e0 permettre aux CLT existants de b\u00e9n\u00e9ficier des fonds HOME.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1996<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L&rsquo;Internal Revenue Service (IRS) des \u00c9tats-Unis publie <em>la proc\u00e9dure fiscale 96-32<\/em>, qui d\u00e9crit les lignes directrices dites de \u00ab sph\u00e8re de s\u00e9curit\u00e9 \u00bb gr\u00e2ce auxquelles une organisation \u00e0 but non lucratif peut s\u2019assurer que ses projets r\u00e9pondent aux crit\u00e8res d\u2019une \u0153uvre caritative, ainsi que le \u00ab crit\u00e8re des faits et circonstances \u00bb en vertu duquel une organisation qui ne satisfait pas aux exigences de la sph\u00e8re de s\u00e9curit\u00e9 peut n\u00e9anmoins \u00eatre consid\u00e9r\u00e9e comme une \u0153uvre caritative si ses projets visent \u00e0 \u00ab soulager les pauvres et les personnes en d\u00e9tresse \u00bb.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1999<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le Bureau des programmes de logement abordable du HUD publie un document intitul\u00e9 \u00ab<em> Options d&rsquo;accession \u00e0 la propri\u00e9t\u00e9 dans le cadre du programme HOME : un mod\u00e8le pour les biens immobiliers d\u00e9tenus par les pouvoirs publics et les fiducies fonci\u00e8res \u00bb.<\/em><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2001<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fannie Mae publie une \u00ab annexe type relative aux baux fonciers des Community Land Trusts \u00bb destin\u00e9e \u00e0 \u00eatre utilis\u00e9e dans le cadre des baux fonciers des CLT lorsqu&rsquo;une hypoth\u00e8que sur un droit de superficie doit \u00eatre c\u00e9d\u00e9e \u00e0 Fannie Mae.<\/li>\n\n\n\n<li>Fannie Mae publie <em>des lignes directrices relatives \u00e0 l\u2019\u00e9valuation d\u2019un bien immobilier faisant l\u2019objet d\u2019un droit de bail et\/ou d\u2019un Community Land Trust<\/em>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2002<\/strong><\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af261366836a&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af261366836a\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"222\" height=\"300\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/DC-Debbie-OMalley-in-Senators-office-222x300.jpg\" alt=\"DC - Debbie O'Malley, au bureau d'un s&#xE9;nateur\" class=\"wp-image-21107\" style=\"width:114px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/DC-Debbie-OMalley-in-Senators-office-222x300.jpg 222w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/DC-Debbie-OMalley-in-Senators-office.jpg 510w\" sizes=\"auto, (max-width: 222px) 100vw, 222px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L&rsquo;ICE organise une conf\u00e9rence nationale sur les politiques publiques \u00e0 Washington DC. Les acteurs des CLT rendent visite \u00e0 leurs d\u00e9put\u00e9s et s\u00e9nateurs afin de les sensibiliser aux avantages sociaux et aux besoins financiers des CLT.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2006<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fannie Mae publie l&rsquo;annonce n\u00b0 06-03 : \u00ab <em>Vente et gestion de biens immobiliers soumis \u00e0 des restrictions de revente ou situ\u00e9s sur des terrains appartenant \u00e0 des Community Land Trusts<\/em> \u00bb.<\/li>\n\n\n\n<li>Le directeur ex\u00e9cutif de la Commission de financement du logement de l&rsquo;\u00c9tat de Washington, Kim Herman, publie un article dans le bulletin d&rsquo;information de son organisme dans lequel il d\u00e9clare que les CLT ont \u00ab atteint leur maturit\u00e9 \u00bb.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2011<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fannie Mae r\u00e9vise son guide de vente et met \u00e0 jour son pr\u00e9c\u00e9dent <em>avenant relatif au bail foncier des Community Land Trusts<\/em> (formulaire 2200, mars 2006).<\/li>\n<\/ul>\n\n\n\n<h2 id=\"h-further-reading\" class=\"wp-block-heading\">Lectures compl\u00e9mentaires<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kim Herman, \u00ab Community Land Trusts Come of Age \u00bb, <em>Lettre d&rsquo;information du directeur g\u00e9n\u00e9ral de la Commission de financement du logement de l&rsquo;\u00c9tat de Washington ( <\/em>avril 2006). Disponible \u00e0 l&rsquo;adresse suivante :<\/li>\n\n\n\n<li>James M. Libby, \u00ab The Challenge of Perpetuity \u00bb, p. 552-561 dans John Emmeus Davis (\u00e9d.), <em>The Community Land Trust Reader ( <\/em>Cambridge, MA : Lincoln Institute of Land Policy, 2010).<\/li>\n\n\n\n<li>Edwin Stromberg et Brian Stromberg, \u00ab<a href=\"http:\/\/www.huduser.org\/portal\/periodicals\/cityscpe\/vol15num2\/article21.html\">The Federal Housing Administration and Long-Term Affordable Homeownership Programs<\/a> \u00bb, <em>Cityscape : A Journal of Policy Development and Research<\/em>, vol. 15, n\u00b0 2, article 21. (D\u00e9partement am\u00e9ricain du Logement et du D\u00e9veloppement urbain, 2013).<\/li>\n\n\n\n<li>Minist\u00e8re am\u00e9ricain du Logement et du D\u00e9veloppement urbain, \u00ab Community Land Trusts and the HOME Program \u00bb, Avis CPD n\u00b0 94-42. (Washington, DC : Minist\u00e8re am\u00e9ricain du Logement et du D\u00e9veloppement urbain, 1993).<\/li>\n\n\n\n<li>\u2014\u2014-, <em>Options d\u2019accession \u00e0 la propri\u00e9t\u00e9 dans le cadre du programme HOME : un mod\u00e8le pour les biens immobiliers d\u00e9tenus par les pouvoirs publics et les fiducies fonci\u00e8res<\/em> (Washington, DC : Bureau des programmes de logement abordable, Planification et d\u00e9veloppement communautaires, 1999).<\/li>\n\n\n\n<li>\u2014\u2014-, 2012. <a href=\"http:\/\/www.huduser.org\/portal\/periodicals\/em\/fall12\/highlight3.html\">Les mod\u00e8les de propri\u00e9t\u00e9 partag\u00e9e offrent un acc\u00e8s durable \u00e0 la propri\u00e9t\u00e9<\/a>. <em>Evidence Matters. Automne <\/em>: 19-26.<\/li>\n<\/ul>\n\n\n\n<h2 id=\"h-external-links\" class=\"wp-block-heading\">Liens externes<\/h2>\n\n\n\n<ul id=\"block-104\" class=\"wp-block-list\">\n<li>Fannie Mae, Communiqu\u00e9 n\u00b0 06-03 : <em>Vente et gestion de biens immobiliers soumis \u00e0 des restrictions de revente ou situ\u00e9s sur des terrains appartenant \u00e0 des \u00ab Community Land Trusts \u00bb<\/em>, 22 mars 2006.<\/li>\n\n\n\n<li>Fannie Mae, <em>Guide de vente<\/em> mis \u00e0 jour (septembre 2011).<\/li>\n\n\n\n<li>D\u00e9finition f\u00e9d\u00e9rale du terme \u00ab<a href=\"http:\/\/www.burlingtonassociates.com\/#!\/resources\">fiducie fonci\u00e8re communautaire<\/a> \u00bb, section 212, <em>loi de 1992 sur le logement et le d\u00e9veloppement communautaire<\/em>.<\/li>\n\n\n\n<li><a href=\"http:\/\/www.vhcb.org\">Conseil du logement et de la conservation du Vermont<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/www.commerce.wa.gov\/Programs\/housing\/TrustFund\/Pages\/default.aspx\">Fonds fiduciaire pour le logement de l&rsquo;\u00c9tat de Washington<\/a><\/li>\n<\/ul>\n\n\n\n<div id=\"themify_builder_content-69\" data-postid=\"69\" class=\"themify_builder_content themify_builder_content-69 themify_builder\">\n    <\/div>\n<\/div>\n\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-35719fbe wp-block-columns-is-layout-flex\" style=\"margin-top:48px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-palette-color-13-color has-text-color has-small-font-size wp-block-paragraph\">Pr\u00e9c\u00e9dent<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"margin-top:0\"><a href=\"https:\/\/www.cltweb.org\/fr\/bibliotheque-de-ressources\/les-racines-du-mouvement-clt\/du-modele-au-mouvement\/le-creneau-de-laccession-a-la-propriete\/\">\u2190 Le cr\u00e9neau de l&rsquo;accession \u00e0 la propri\u00e9t\u00e9<\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-right has-palette-color-13-color has-text-color has-small-font-size wp-block-paragraph\">Suivant<\/p>\n\n\n\n<p class=\"has-text-align-right wp-block-paragraph\" style=\"margin-top:0\"><a href=\"https:\/\/www.cltweb.org\/fr\/bibliotheque-de-ressources\/les-racines-du-mouvement-clt\/du-modele-au-mouvement\/le-lien-avec-la-ville\/\">The City Connection \u2192<\/a><\/p>\n<\/div>\n<\/div>\n\n<hr class=\"wp-block-separator has-text-color has-palette-color-5-color has-alpha-channel-opacity has-palette-color-5-background-color has-background is-style-wide\" style=\"margin-top:24px;margin-bottom:40px\"\/>\n\n<h2 id=\"h-more-from-from-model-to-movement\" class=\"wp-block-heading\">Plus d&rsquo;articles de la rubrique \u00ab De la mannequin au mouvement \u00bb<\/h2>\n\n<div class=\"wp-block-group gg-tiles is-layout-grid wp-container-core-group-is-layout-080b9d9d wp-block-group-is-layout-grid\"><style>.kt-info-box20776_t0{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20776_t0{height:auto;align-self:stretch;}.kt-info-box20776_t0 .kt-blocks-info-box-link-wrap{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20776_t0 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box20776_t0 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;background:var(--theme-palette-color-8);padding-top:10px;padding-right:10px;padding-bottom:16px;padding-left:10px;}.kt-info-box20776_t0 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;background:var(--theme-palette-color-8);}.kt-info-box20776_t0.wp-block-kadence-infobox{max-width:100%;}.kt-info-box20776_t0 .kadence-info-box-image-inner-intrisic-container .kadence-info-box-image-intrisic{padding-bottom:67.3333%;width:300px;height:0px;max-width:100%;}.kt-info-box20776_t0 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box20776_t0 .kt-info-svg-icon-flip, .kt-info-box20776_t0 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box20776_t0 .kt-blocks-info-box-media{border-radius:6px;overflow:hidden;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box20776_t0 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:12px;margin-left:0px;}.kt-info-box20776_t0 .kt-infobox-textcontent h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);font-size:18px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:0px;margin-right:0px;margin-bottom:2px;margin-left:0px;}.kt-info-box20776_t0 .kt-blocks-info-box-link-wrap:hover h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);}.kt-info-box20776_t0 .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.wp-block-kadence-infobox.kt-info-box20776_t0 .kt-blocks-info-box-text{font-size:14px;line-height:1.5;}.kt-info-box20776_t0 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.kt-info-box20776_t0 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box20776_t0 .kt-blocks-info-box-link-wrap{box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20776_t0 .kt-blocks-info-box-link-wrap:hover{box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}@media all and (max-width: 1024px){.kt-info-box20776_t0 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}}@media all and (max-width: 1024px){.kt-info-box20776_t0 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}}@media all and (max-width: 767px){.kt-info-box20776_t0 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20776_t0 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box20776_t0\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left\" href=\"https:\/\/www.cltweb.org\/fr\/bibliotheque-de-ressources\/les-racines-du-mouvement-clt\/du-modele-au-mouvement\/lice-simplante-sur-le-marche\/\" aria-label=\"ICE Goes to Market\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic-container\"><div class=\"kadence-info-box-image-intrisic kt-info-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-ICE-Goes-to-Market-300x202.jpg\" alt=\"\" width=\"300\" height=\"202\" class=\"kt-info-box-image wp-image-20688\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-ICE-Goes-to-Market-300x202.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-ICE-Goes-to-Market-1024x691.jpg 1024w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-ICE-Goes-to-Market-768x518.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-ICE-Goes-to-Market.jpg 1283w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/div><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h3 class=\"kt-blocks-info-box-title\">L\u2019ICE s\u2019implante sur le march\u00e9<\/h3><\/div><\/a><\/div>\n\n\n<style>.kt-info-box20776_t1{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20776_t1{height:auto;align-self:stretch;}.kt-info-box20776_t1 .kt-blocks-info-box-link-wrap{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20776_t1 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box20776_t1 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;background:var(--theme-palette-color-8);padding-top:10px;padding-right:10px;padding-bottom:16px;padding-left:10px;}.kt-info-box20776_t1 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;background:var(--theme-palette-color-8);}.kt-info-box20776_t1.wp-block-kadence-infobox{max-width:100%;}.kt-info-box20776_t1 .kadence-info-box-image-inner-intrisic-container .kadence-info-box-image-intrisic{padding-bottom:90.3333%;width:300px;height:0px;max-width:100%;}.kt-info-box20776_t1 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box20776_t1 .kt-info-svg-icon-flip, .kt-info-box20776_t1 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box20776_t1 .kt-blocks-info-box-media{border-radius:6px;overflow:hidden;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box20776_t1 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:12px;margin-left:0px;}.kt-info-box20776_t1 .kt-infobox-textcontent h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);font-size:18px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:0px;margin-right:0px;margin-bottom:2px;margin-left:0px;}.kt-info-box20776_t1 .kt-blocks-info-box-link-wrap:hover h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);}.kt-info-box20776_t1 .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.wp-block-kadence-infobox.kt-info-box20776_t1 .kt-blocks-info-box-text{font-size:14px;line-height:1.5;}.kt-info-box20776_t1 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.kt-info-box20776_t1 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box20776_t1 .kt-blocks-info-box-link-wrap{box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20776_t1 .kt-blocks-info-box-link-wrap:hover{box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}@media all and (max-width: 1024px){.kt-info-box20776_t1 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}}@media all and (max-width: 1024px){.kt-info-box20776_t1 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}}@media all and (max-width: 767px){.kt-info-box20776_t1 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20776_t1 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box20776_t1\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left\" href=\"https:\/\/www.cltweb.org\/fr\/bibliotheque-de-ressources\/les-racines-du-mouvement-clt\/du-modele-au-mouvement\/echange-didees\/\" aria-label=\"Cross-Pollination\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic-container\"><div class=\"kadence-info-box-image-intrisic kt-info-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Cross-pollination-1-300x271.jpg\" alt=\"\" width=\"300\" height=\"271\" class=\"kt-info-box-image wp-image-20705\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Cross-pollination-1-300x271.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Cross-pollination-1-1024x924.jpg 1024w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Cross-pollination-1-768x693.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Cross-pollination-1.jpg 1114w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/div><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h3 class=\"kt-blocks-info-box-title\">\u00c9change d&rsquo;id\u00e9es<\/h3><\/div><\/a><\/div>\n\n\n<style>.kt-info-box20776_t2{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20776_t2{height:auto;align-self:stretch;}.kt-info-box20776_t2 .kt-blocks-info-box-link-wrap{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20776_t2 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box20776_t2 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;background:var(--theme-palette-color-8);padding-top:10px;padding-right:10px;padding-bottom:16px;padding-left:10px;}.kt-info-box20776_t2 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;background:var(--theme-palette-color-8);}.kt-info-box20776_t2.wp-block-kadence-infobox{max-width:100%;}.kt-info-box20776_t2 .kadence-info-box-image-inner-intrisic-container .kadence-info-box-image-intrisic{padding-bottom:64%;width:300px;height:0px;max-width:100%;}.kt-info-box20776_t2 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box20776_t2 .kt-info-svg-icon-flip, .kt-info-box20776_t2 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box20776_t2 .kt-blocks-info-box-media{border-radius:6px;overflow:hidden;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box20776_t2 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:12px;margin-left:0px;}.kt-info-box20776_t2 .kt-infobox-textcontent h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);font-size:18px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:0px;margin-right:0px;margin-bottom:2px;margin-left:0px;}.kt-info-box20776_t2 .kt-blocks-info-box-link-wrap:hover h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);}.kt-info-box20776_t2 .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.wp-block-kadence-infobox.kt-info-box20776_t2 .kt-blocks-info-box-text{font-size:14px;line-height:1.5;}.kt-info-box20776_t2 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.kt-info-box20776_t2 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box20776_t2 .kt-blocks-info-box-link-wrap{box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20776_t2 .kt-blocks-info-box-link-wrap:hover{box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}@media all and (max-width: 1024px){.kt-info-box20776_t2 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}}@media all and (max-width: 1024px){.kt-info-box20776_t2 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}}@media all and (max-width: 767px){.kt-info-box20776_t2 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20776_t2 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box20776_t2\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left\" href=\"https:\/\/www.cltweb.org\/fr\/bibliotheque-de-ressources\/les-racines-du-mouvement-clt\/du-modele-au-mouvement\/le-creneau-de-laccession-a-la-propriete\/\" aria-label=\"The Homeownership Niche\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic-container\"><div class=\"kadence-info-box-image-intrisic kt-info-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Homeownership-Niche-1-300x192.jpg\" alt=\"\" width=\"300\" height=\"192\" class=\"kt-info-box-image wp-image-20737\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Homeownership-Niche-1-300x192.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Homeownership-Niche-1-1024x656.jpg 1024w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Homeownership-Niche-1-768x492.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Homeownership-Niche-1-1536x984.jpg 1536w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Homeownership-Niche-1.jpg 1922w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/div><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h3 class=\"kt-blocks-info-box-title\">Le cr\u00e9neau de l\u2019accession \u00e0 la propri\u00e9t\u00e9<\/h3><\/div><\/a><\/div>\n\n\n<style>.kt-info-box20776_t3{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20776_t3{height:auto;align-self:stretch;}.kt-info-box20776_t3 .kt-blocks-info-box-link-wrap{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20776_t3 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box20776_t3 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;background:var(--theme-palette-color-8);padding-top:10px;padding-right:10px;padding-bottom:16px;padding-left:10px;}.kt-info-box20776_t3 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;background:var(--theme-palette-color-8);}.kt-info-box20776_t3.wp-block-kadence-infobox{max-width:100%;}.kt-info-box20776_t3 .kadence-info-box-image-inner-intrisic-container .kadence-info-box-image-intrisic{padding-bottom:70.6667%;width:300px;height:0px;max-width:100%;}.kt-info-box20776_t3 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box20776_t3 .kt-info-svg-icon-flip, .kt-info-box20776_t3 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box20776_t3 .kt-blocks-info-box-media{border-radius:6px;overflow:hidden;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box20776_t3 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:12px;margin-left:0px;}.kt-info-box20776_t3 .kt-infobox-textcontent h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);font-size:18px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:0px;margin-right:0px;margin-bottom:2px;margin-left:0px;}.kt-info-box20776_t3 .kt-blocks-info-box-link-wrap:hover h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);}.kt-info-box20776_t3 .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.wp-block-kadence-infobox.kt-info-box20776_t3 .kt-blocks-info-box-text{font-size:14px;line-height:1.5;}.kt-info-box20776_t3 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.kt-info-box20776_t3 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box20776_t3 .kt-blocks-info-box-link-wrap{box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20776_t3 .kt-blocks-info-box-link-wrap:hover{box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}@media all and (max-width: 1024px){.kt-info-box20776_t3 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}}@media all and (max-width: 1024px){.kt-info-box20776_t3 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}}@media all and (max-width: 767px){.kt-info-box20776_t3 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20776_t3 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box20776_t3\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left\" href=\"https:\/\/www.cltweb.org\/fr\/bibliotheque-de-ressources\/les-racines-du-mouvement-clt\/du-modele-au-mouvement\/le-lien-avec-la-ville\/\" aria-label=\"The City Connection\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic-container\"><div class=\"kadence-info-box-image-intrisic kt-info-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-City-Connection-300x212.jpg\" alt=\"\" width=\"300\" height=\"212\" class=\"kt-info-box-image wp-image-21108\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-City-Connection-300x212.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-City-Connection-1024x725.jpg 1024w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-City-Connection-768x544.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-City-Connection-1536x1088.jpg 1536w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-City-Connection.jpg 1579w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/div><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h3 class=\"kt-blocks-info-box-title\">Le lien avec la ville<\/h3><\/div><\/a><\/div>\n\n\n<style>.kt-info-box20776_t4{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20776_t4{height:auto;align-self:stretch;}.kt-info-box20776_t4 .kt-blocks-info-box-link-wrap{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20776_t4 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box20776_t4 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;background:var(--theme-palette-color-8);padding-top:10px;padding-right:10px;padding-bottom:16px;padding-left:10px;}.kt-info-box20776_t4 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;background:var(--theme-palette-color-8);}.kt-info-box20776_t4.wp-block-kadence-infobox{max-width:100%;}.kt-info-box20776_t4 .kadence-info-box-image-inner-intrisic-container .kadence-info-box-image-intrisic{padding-bottom:78.3333%;width:300px;height:0px;max-width:100%;}.kt-info-box20776_t4 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box20776_t4 .kt-info-svg-icon-flip, .kt-info-box20776_t4 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box20776_t4 .kt-blocks-info-box-media{border-radius:6px;overflow:hidden;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box20776_t4 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:12px;margin-left:0px;}.kt-info-box20776_t4 .kt-infobox-textcontent h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);font-size:18px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:0px;margin-right:0px;margin-bottom:2px;margin-left:0px;}.kt-info-box20776_t4 .kt-blocks-info-box-link-wrap:hover h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);}.kt-info-box20776_t4 .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.wp-block-kadence-infobox.kt-info-box20776_t4 .kt-blocks-info-box-text{font-size:14px;line-height:1.5;}.kt-info-box20776_t4 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.kt-info-box20776_t4 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box20776_t4 .kt-blocks-info-box-link-wrap{box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20776_t4 .kt-blocks-info-box-link-wrap:hover{box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}@media all and (max-width: 1024px){.kt-info-box20776_t4 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}}@media all and (max-width: 1024px){.kt-info-box20776_t4 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}}@media all and (max-width: 767px){.kt-info-box20776_t4 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20776_t4 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box20776_t4\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left\" href=\"https:\/\/www.cltweb.org\/fr\/bibliotheque-de-ressources\/les-racines-du-mouvement-clt\/du-modele-au-mouvement\/diversification\/\" aria-label=\"Branching Out\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic-container\"><div class=\"kadence-info-box-image-intrisic kt-info-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Branching-Out-300x235.jpg\" alt=\"\" width=\"300\" height=\"235\" class=\"kt-info-box-image wp-image-21138\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Branching-Out-300x235.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Branching-Out-1024x802.jpg 1024w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Branching-Out-768x602.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Branching-Out-1536x1204.jpg 1536w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Branching-Out.jpg 1571w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/div><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h3 class=\"kt-blocks-info-box-title\">Diversification<\/h3><\/div><\/a><\/div>\n<\/div>\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:32px\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.cltweb.org\/fr\/bibliotheque-de-ressources\/les-racines-du-mouvement-clt\/\">Retour aux origines du mouvement CLT<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Le Guide du jardinier \u00b7 Partie 4 \u00b7 Chapitre 4 sur 6 Secouer l\u2019arbre \u00e0 argent Comment le soutien f\u00e9d\u00e9ral et des \u00c9tats a commenc\u00e9 \u00e0 fournir aux CLT l\u2019argent [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":21335,"parent":20921,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"","meta":{"give_campaign_id":0,"_tec_requires_first_save":true,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_EventAllDay":false,"_EventTimezone":"","_EventStartDate":"","_EventEndDate":"","_EventStartDateUTC":"","_EventEndDateUTC":"","_EventShowMap":false,"_EventShowMapLink":false,"_EventURL":"","_EventCost":"","_EventCostDescription":"","_EventCurrencySymbol":"","_EventCurrencyCode":"","_EventCurrencyPosition":"","_EventDateTimeSeparator":"","_EventTimeRangeSeparator":"","_EventOrganizerID":[],"_EventVenueID":[],"_OrganizerEmail":"","_OrganizerPhone":"","_OrganizerWebsite":"","_VenueAddress":"","_VenueCity":"","_VenueCountry":"","_VenueProvince":"","_VenueState":"","_VenueZip":"","_VenuePhone":"","_VenueURL":"","_VenueStateProvince":"","_VenueLat":"","_VenueLng":"","_VenueShowMap":false,"_VenueShowMapLink":false,"_tribe_blocks_recurrence_rules":"","_tribe_blocks_recurrence_description":"","_tribe_blocks_recurrence_exclusions":"","footnotes":""},"categories":[],"tags":[],"class_list":["post-21016","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.8 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Faire fructifier l&#039;argent - Centre international pour les fonds fonciers communautaires<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cltweb.org\/fr\/bibliotheque-de-ressources\/les-racines-du-mouvement-clt\/du-modele-au-mouvement\/faire-fructifier-largent\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Faire fructifier l&#039;argent\" \/>\n<meta property=\"og:description\" content=\"Le Guide du jardinier \u00b7 Partie 4 \u00b7 Chapitre 4 sur 6 Secouer l\u2019arbre \u00e0 argent Comment le soutien f\u00e9d\u00e9ral et des \u00c9tats a commenc\u00e9 \u00e0 fournir aux CLT l\u2019argent [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cltweb.org\/fr\/bibliotheque-de-ressources\/les-racines-du-mouvement-clt\/du-modele-au-mouvement\/faire-fructifier-largent\/\" \/>\n<meta property=\"og:site_name\" content=\"Centre international pour les fonds fonciers communautaires\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/cltcenter\" \/>\n<meta property=\"article:modified_time\" content=\"2026-11-08T15:29:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-Money-Tree.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1394\" \/>\n\t<meta property=\"og:image:height\" content=\"1584\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@Center4CLTs\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data1\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.cltweb.org\\\/fr\\\/bibliotheque-de-ressources\\\/les-racines-du-mouvement-clt\\\/du-modele-au-mouvement\\\/faire-fructifier-largent\\\/\",\"url\":\"https:\\\/\\\/www.cltweb.org\\\/fr\\\/bibliotheque-de-ressources\\\/les-racines-du-mouvement-clt\\\/du-modele-au-mouvement\\\/faire-fructifier-largent\\\/\",\"name\":\"Faire fructifier l'argent - Centre international pour les fonds fonciers communautaires\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cltweb.org\\\/fr\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.cltweb.org\\\/fr\\\/bibliotheque-de-ressources\\\/les-racines-du-mouvement-clt\\\/du-modele-au-mouvement\\\/faire-fructifier-largent\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cltweb.org\\\/fr\\\/bibliotheque-de-ressources\\\/les-racines-du-mouvement-clt\\\/du-modele-au-mouvement\\\/faire-fructifier-largent\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cltweb.org\\\/wp-content\\\/uploads\\\/2026\\\/11\\\/BAcker-The-Money-Tree.jpg\",\"datePublished\":\"2026-11-06T13:59:47+00:00\",\"dateModified\":\"2026-11-08T15:29:34+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.cltweb.org\\\/fr\\\/bibliotheque-de-ressources\\\/les-racines-du-mouvement-clt\\\/du-modele-au-mouvement\\\/faire-fructifier-largent\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.cltweb.org\\\/fr\\\/bibliotheque-de-ressources\\\/les-racines-du-mouvement-clt\\\/du-modele-au-mouvement\\\/faire-fructifier-largent\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.cltweb.org\\\/fr\\\/bibliotheque-de-ressources\\\/les-racines-du-mouvement-clt\\\/du-modele-au-mouvement\\\/faire-fructifier-largent\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.cltweb.org\\\/wp-content\\\/uploads\\\/2026\\\/11\\\/BAcker-The-Money-Tree.jpg\",\"contentUrl\":\"https:\\\/\\\/www.cltweb.org\\\/wp-content\\\/uploads\\\/2026\\\/11\\\/BAcker-The-Money-Tree.jpg\",\"width\":1394,\"height\":1584,\"caption\":\"L'ARBRE \u00c0 ARGENT : Illustration de Bonnie Acker (c) 2014\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.cltweb.org\\\/fr\\\/bibliotheque-de-ressources\\\/les-racines-du-mouvement-clt\\\/du-modele-au-mouvement\\\/faire-fructifier-largent\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.cltweb.org\\\/fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Biblioth\u00e8que de ressources\",\"item\":\"https:\\\/\\\/www.cltweb.org\\\/fr\\\/bibliotheque-de-ressources\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Les racines du mouvement CLT\",\"item\":\"https:\\\/\\\/www.cltweb.org\\\/fr\\\/bibliotheque-de-ressources\\\/les-racines-du-mouvement-clt\\\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Du mod\u00e8le au mouvement\",\"item\":\"https:\\\/\\\/www.cltweb.org\\\/fr\\\/bibliotheque-de-ressources\\\/les-racines-du-mouvement-clt\\\/du-modele-au-mouvement\\\/\"},{\"@type\":\"ListItem\",\"position\":5,\"name\":\"Faire fructifier l&#8217;argent\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.cltweb.org\\\/fr\\\/#website\",\"url\":\"https:\\\/\\\/www.cltweb.org\\\/fr\\\/\",\"name\":\"Centre international pour les fonds fonciers communautaires\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.cltweb.org\\\/fr\\\/#organization\"},\"alternateName\":\"CLT Center\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.cltweb.org\\\/fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.cltweb.org\\\/fr\\\/#organization\",\"name\":\"Centre international pour les fiducies fonci\u00e8res communautaires\",\"alternateName\":[\"CLT Center\",\"International Center for CLTs\"],\"url\":\"https:\\\/\\\/www.cltweb.org\\\/fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.cltweb.org\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.cltweb.org\\\/wp-content\\\/uploads\\\/2026\\\/11\\\/logo-option-2f-larger-tree-balanced.png\",\"contentUrl\":\"https:\\\/\\\/www.cltweb.org\\\/wp-content\\\/uploads\\\/2026\\\/11\\\/logo-option-2f-larger-tree-balanced.png\",\"width\":1876,\"height\":486,\"caption\":\"Centre international pour les fiducies fonci\u00e8res communautaires\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cltweb.org\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/cltcenter\",\"https:\\\/\\\/x.com\\\/Center4CLTs\",\"https:\\\/\\\/www.instagram.com\\\/cltcenter\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/cltcenter\",\"https:\\\/\\\/www.youtube.com\\\/@internationalclt\"],\"description\":\"Le Centre international pour les fiducies fonci\u00e8res communautaires est une organisation non gouvernementale \u00e0 but non lucratif cr\u00e9\u00e9e en 2018 afin de promouvoir et de soutenir les fiducies fonci\u00e8res communautaires ainsi que les strat\u00e9gies similaires de d\u00e9veloppement men\u00e9 par les communaut\u00e9s sur des terrains appartenant \u00e0 celles-ci, dans tous les pays du monde.\",\"email\":\"info@communitylandtrust.net\",\"legalName\":\"Centre international pour les fiducies fonci\u00e8res communautaires\",\"foundingDate\":\"2018-12-01\",\"taxID\":\"84-3858933\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"1\",\"maxValue\":\"10\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Faire fructifier l'argent - Centre international pour les fonds fonciers communautaires","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.cltweb.org\/fr\/bibliotheque-de-ressources\/les-racines-du-mouvement-clt\/du-modele-au-mouvement\/faire-fructifier-largent\/","og_locale":"fr_FR","og_type":"article","og_title":"Faire fructifier l'argent","og_description":"Le Guide du jardinier \u00b7 Partie 4 \u00b7 Chapitre 4 sur 6 Secouer l\u2019arbre \u00e0 argent Comment le soutien f\u00e9d\u00e9ral et des \u00c9tats a commenc\u00e9 \u00e0 fournir aux CLT l\u2019argent [&hellip;]","og_url":"https:\/\/www.cltweb.org\/fr\/bibliotheque-de-ressources\/les-racines-du-mouvement-clt\/du-modele-au-mouvement\/faire-fructifier-largent\/","og_site_name":"Centre international pour les fonds fonciers communautaires","article_publisher":"https:\/\/www.facebook.com\/cltcenter","article_modified_time":"2026-11-08T15:29:34+00:00","og_image":[{"width":1394,"height":1584,"url":"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-Money-Tree.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@Center4CLTs","twitter_misc":{"Dur\u00e9e de lecture estim\u00e9e":"11 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.cltweb.org\/fr\/bibliotheque-de-ressources\/les-racines-du-mouvement-clt\/du-modele-au-mouvement\/faire-fructifier-largent\/","url":"https:\/\/www.cltweb.org\/fr\/bibliotheque-de-ressources\/les-racines-du-mouvement-clt\/du-modele-au-mouvement\/faire-fructifier-largent\/","name":"Faire fructifier l'argent - Centre international pour les fonds fonciers communautaires","isPartOf":{"@id":"https:\/\/www.cltweb.org\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.cltweb.org\/fr\/bibliotheque-de-ressources\/les-racines-du-mouvement-clt\/du-modele-au-mouvement\/faire-fructifier-largent\/#primaryimage"},"image":{"@id":"https:\/\/www.cltweb.org\/fr\/bibliotheque-de-ressources\/les-racines-du-mouvement-clt\/du-modele-au-mouvement\/faire-fructifier-largent\/#primaryimage"},"thumbnailUrl":"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-Money-Tree.jpg","datePublished":"2026-11-06T13:59:47+00:00","dateModified":"2026-11-08T15:29:34+00:00","breadcrumb":{"@id":"https:\/\/www.cltweb.org\/fr\/bibliotheque-de-ressources\/les-racines-du-mouvement-clt\/du-modele-au-mouvement\/faire-fructifier-largent\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.cltweb.org\/fr\/bibliotheque-de-ressources\/les-racines-du-mouvement-clt\/du-modele-au-mouvement\/faire-fructifier-largent\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.cltweb.org\/fr\/bibliotheque-de-ressources\/les-racines-du-mouvement-clt\/du-modele-au-mouvement\/faire-fructifier-largent\/#primaryimage","url":"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-Money-Tree.jpg","contentUrl":"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-Money-Tree.jpg","width":1394,"height":1584,"caption":"L'ARBRE \u00c0 ARGENT : Illustration de Bonnie Acker (c) 2014"},{"@type":"BreadcrumbList","@id":"https:\/\/www.cltweb.org\/fr\/bibliotheque-de-ressources\/les-racines-du-mouvement-clt\/du-modele-au-mouvement\/faire-fructifier-largent\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.cltweb.org\/fr\/"},{"@type":"ListItem","position":2,"name":"Biblioth\u00e8que de ressources","item":"https:\/\/www.cltweb.org\/fr\/bibliotheque-de-ressources\/"},{"@type":"ListItem","position":3,"name":"Les racines du mouvement CLT","item":"https:\/\/www.cltweb.org\/fr\/bibliotheque-de-ressources\/les-racines-du-mouvement-clt\/"},{"@type":"ListItem","position":4,"name":"Du mod\u00e8le au mouvement","item":"https:\/\/www.cltweb.org\/fr\/bibliotheque-de-ressources\/les-racines-du-mouvement-clt\/du-modele-au-mouvement\/"},{"@type":"ListItem","position":5,"name":"Faire fructifier l&#8217;argent"}]},{"@type":"WebSite","@id":"https:\/\/www.cltweb.org\/fr\/#website","url":"https:\/\/www.cltweb.org\/fr\/","name":"Centre international pour les fonds fonciers communautaires","description":"","publisher":{"@id":"https:\/\/www.cltweb.org\/fr\/#organization"},"alternateName":"CLT Center","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.cltweb.org\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.cltweb.org\/fr\/#organization","name":"Centre international pour les fiducies fonci\u00e8res communautaires","alternateName":["CLT Center","International Center for CLTs"],"url":"https:\/\/www.cltweb.org\/fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.cltweb.org\/fr\/#\/schema\/logo\/image\/","url":"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/logo-option-2f-larger-tree-balanced.png","contentUrl":"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/logo-option-2f-larger-tree-balanced.png","width":1876,"height":486,"caption":"Centre international pour les fiducies fonci\u00e8res communautaires"},"image":{"@id":"https:\/\/www.cltweb.org\/fr\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/cltcenter","https:\/\/x.com\/Center4CLTs","https:\/\/www.instagram.com\/cltcenter\/","https:\/\/www.linkedin.com\/company\/cltcenter","https:\/\/www.youtube.com\/@internationalclt"],"description":"Le Centre international pour les fiducies fonci\u00e8res communautaires est une organisation non gouvernementale \u00e0 but non lucratif cr\u00e9\u00e9e en 2018 afin de promouvoir et de soutenir les fiducies fonci\u00e8res communautaires ainsi que les strat\u00e9gies similaires de d\u00e9veloppement men\u00e9 par les communaut\u00e9s sur des terrains appartenant \u00e0 celles-ci, dans tous les pays du monde.","email":"info@communitylandtrust.net","legalName":"Centre international pour les fiducies fonci\u00e8res communautaires","foundingDate":"2018-12-01","taxID":"84-3858933","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"1","maxValue":"10"}}]}},"campaignId":"","taxonomy_info":[],"featured_image_src_large":["https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-Money-Tree-901x1024.jpg",901,1024,true],"author_info":{"display_name":"cltredesign_0jp0l4","author_link":"https:\/\/www.cltweb.org\/fr\/author\/cltredesign_0jp0l4\/"},"comment_info":0,"_links":{"self":[{"href":"https:\/\/www.cltweb.org\/fr\/wp-json\/wp\/v2\/pages\/21016","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cltweb.org\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.cltweb.org\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.cltweb.org\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cltweb.org\/fr\/wp-json\/wp\/v2\/comments?post=21016"}],"version-history":[{"count":9,"href":"https:\/\/www.cltweb.org\/fr\/wp-json\/wp\/v2\/pages\/21016\/revisions"}],"predecessor-version":[{"id":22761,"href":"https:\/\/www.cltweb.org\/fr\/wp-json\/wp\/v2\/pages\/21016\/revisions\/22761"}],"up":[{"embeddable":true,"href":"https:\/\/www.cltweb.org\/fr\/wp-json\/wp\/v2\/pages\/20921"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cltweb.org\/fr\/wp-json\/wp\/v2\/media\/21335"}],"wp:attachment":[{"href":"https:\/\/www.cltweb.org\/fr\/wp-json\/wp\/v2\/media?parent=21016"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cltweb.org\/fr\/wp-json\/wp\/v2\/categories?post=21016"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cltweb.org\/fr\/wp-json\/wp\/v2\/tags?post=21016"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}