{"id":21046,"date":"2026-11-06T13:59:42","date_gmt":"2026-11-06T13:59:42","guid":{"rendered":"https:\/\/www.cltweb.org\/bibliotheque-de-ressources\/les-racines-du-mouvement-clt\/du-modele-au-mouvement\/le-creneau-de-laccession-a-la-propriete\/"},"modified":"2026-11-08T15:29:09","modified_gmt":"2026-11-08T15:29:09","slug":"le-creneau-de-laccession-a-la-propriete","status":"publish","type":"page","link":"https:\/\/www.cltweb.org\/fr\/bibliotheque-de-ressources\/les-racines-du-mouvement-clt\/du-modele-au-mouvement\/le-creneau-de-laccession-a-la-propriete\/","title":{"rendered":"Le cr\u00e9neau de l\u2019accession \u00e0 la propri\u00e9t\u00e9"},"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 3 sur 6<\/p>\n\n\n\n<h1 class=\"wp-block-heading clt-ph-title\">Le cr\u00e9neau de l\u2019accession \u00e0 la propri\u00e9t\u00e9<\/h1>\n\n\n\n<p class=\"clt-ph-desc wp-block-paragraph\">En concurrence avec d\u2019autres associations pour les financements, les terrains et les publics, les CLT des ann\u00e9es 1980 et 1990 ont trouv\u00e9 leur cr\u00e9neau dans l\u2019accession \u00e0 la propri\u00e9t\u00e9 durablement abordable.<\/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<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af2627a8a321&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af2627a8a321\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"192\" 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-Homeownership-Niche-1-300x192.jpg\" alt=\"Illustration : Homeownership Niche\" class=\"wp-image-20737\" style=\"width:300px;height:auto\" 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\" \/><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\">Confront\u00e9s \u00e0 un paysage associatif tr\u00e8s encombr\u00e9 et contraints de rivaliser avec d\u2019autres associations \u00e0 but non lucratif pour obtenir des financements publics, des dons priv\u00e9s, des locaux et des adh\u00e9rents, les militants et les acteurs de terrain qui ont cr\u00e9\u00e9 les premiers CLT dans les ann\u00e9es 1980 et 1990 ont d\u00fb faire face \u00e0 deux questions d\u00e9cisives :<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Quels services n&rsquo;\u00e9taient pas d\u00e9j\u00e0 assur\u00e9s par une autre association \u00e0 but non lucratif ?<\/li>\n\n\n\n<li>En quoi une fiducie fonci\u00e8re communautaire pourrait-elle faire mieux que quiconque ?<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Pour de nombreux CLT, la r\u00e9ponse \u00e0 ces deux questions r\u00e9sidait dans la gestion \u00e0 long terme de logements en accession \u00e0 la propri\u00e9t\u00e9, soumis \u00e0 des restrictions de revente et occup\u00e9s par leurs propri\u00e9taires. L\u2019accession \u00e0 la propri\u00e9t\u00e9 semblait \u00eatre un cr\u00e9neau dans lequel les CLT pouvaient s\u2019implanter. \u00c0 l\u2019instar de nombreuses autres associations \u00e0 but non lucratif, les CLT contribuaient \u00e0 aider les m\u00e9nages \u00e0 faibles revenus \u00e0 acc\u00e9der \u00e0 la propri\u00e9t\u00e9, mais elles allaient ensuite plus loin que la plupart des autres associations avant l\u2019ann\u00e9e 2000. Les Community Land Trusts s\u2019engageaient \u00e0 pr\u00e9server l\u2019accessibilit\u00e9 financi\u00e8re de ces logements bien apr\u00e8s leur acquisition \u2013 et chaque fois qu\u2019ils \u00e9taient mis en vente. Les CLT s\u2019engageaient \u00e9galement \u00e0 garantir l\u2019entretien ad\u00e9quat de ces logements soumis \u00e0 des restrictions de revente et \u00e0 pr\u00e9venir les saisies immobili\u00e8res au cas o\u00f9 les nouveaux propri\u00e9taires prendraient du retard dans le paiement de leur pr\u00eat immobilier par la suite. Ce trio de responsabilit\u00e9s post-achat a fini par \u00eatre connu sous le nom des \u00ab trois facettes de la gestion responsable \u00bb.<\/p>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af2627a8af3d&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af2627a8af3d\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"218\" 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\/Covenant-CLT-House-Framing-1981-1-218x300.jpg\" alt=\"Covenant CLT &#x2013; Charpente de la maison &#x2013; 1981\" class=\"wp-image-20739\" style=\"width:150px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Covenant-CLT-House-Framing-1981-1-218x300.jpg 218w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Covenant-CLT-House-Framing-1981-1-745x1024.jpg 745w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Covenant-CLT-House-Framing-1981-1-768x1056.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Covenant-CLT-House-Framing-1981-1.jpg 980w\" sizes=\"auto, (max-width: 218px) 100vw, 218px\" \/><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\">Il s\u2019agissait l\u00e0 d\u2019un r\u00e9tr\u00e9cissement significatif de la mission plus ambitieuse qui avait autrefois \u00e9t\u00e9 envisag\u00e9e pour le CLT. Comme l\u2019indiquait l\u2019ouvrage de 1972, \u00ab le Community Land Trust est [\u2026] charg\u00e9 de g\u00e9rer les terrains au nom de l\u2019humanit\u00e9 tout enti\u00e8re, pr\u00e9sente et future \u00bb. Cependant, apr\u00e8s la publication de l\u2019ouvrage de 1982, qui mettait davantage l\u2019accent sur le logement abordable, la revitalisation des quartiers et les populations urbaines menac\u00e9es par la gentrification et le d\u00e9placement, les CLT ont commenc\u00e9 (1) \u00e0 donner la priorit\u00e9 \u00e0 un sous-ensemble de \u00ab l\u2019humanit\u00e9 tout enti\u00e8re \u00bb, \u00e0 savoir les familles \u00e0 faibles revenus, et (2) \u00e0 red\u00e9finir la gestion de mani\u00e8re \u00e0 privil\u00e9gier davantage la protection du logement que la d\u00e9tention de terrains.<\/p>\n\n<p class=\"wp-block-paragraph\">Cette strat\u00e9gie s\u2019est av\u00e9r\u00e9e fructueuse pour les CLT qui cherchaient \u00e0 se tailler une place durable au sein d\u2019un environnement tr\u00e8s concurrentiel d\u2019organismes \u00e0 but non lucratif. Cela a contribu\u00e9 \u00e0 l\u2019essor du mouvement, du moins dans les zones o\u00f9 les subventions publiques et priv\u00e9es \u00e9taient suffisantes pour combler l\u2019\u00e9cart d\u2019accessibilit\u00e9 financi\u00e8re entre le prix des logements disponibles et les revenus des acheteurs potentiels \u2013 et o\u00f9 les bailleurs de fonds de ces subventions <em>se souciaient<\/em> r\u00e9ellement de l\u2019accessibilit\u00e9 financi\u00e8re et de la p\u00e9rennit\u00e9 futures des logements qu\u2019ils avaient contribu\u00e9 \u00e0 cr\u00e9er.<\/p>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af2627a8b8d1&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af2627a8b8d1\" class=\"wp-block-image alignleft size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"173\" 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\/Construction-graphic-by-Bonnie-Acker-1-173x300.jpg\" alt=\"Illustration : dessin technique r&#xE9;alis&#xE9; par Bonnie Acker\" class=\"wp-image-20741\" style=\"width:150px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Construction-graphic-by-Bonnie-Acker-1-173x300.jpg 173w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Construction-graphic-by-Bonnie-Acker-1.jpg 425w\" sizes=\"auto, (max-width: 173px) 100vw, 173px\" \/><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<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af2627a8c143&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af2627a8c143\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"65\" 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\/Lincoln-logo-1-300x65.jpg\" alt=\"Logo Lincoln\" class=\"wp-image-20743\" style=\"width:203px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Lincoln-logo-1-300x65.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Lincoln-logo-1-1024x223.jpg 1024w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Lincoln-logo-1-768x167.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Lincoln-logo-1.jpg 1344w\" 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\">Beaucoup ne l\u2019ont pas fait. En effet, aux d\u00e9buts du mouvement des CLT, tr\u00e8s peu de responsables publics, que ce soit au niveau f\u00e9d\u00e9ral, r\u00e9gional ou municipal, se sont s\u00e9rieusement interrog\u00e9s sur ce qu\u2019il adviendrait \u00e0 terme des logements abordables qu\u2019ils avaient subventionn\u00e9s, en particulier lorsque ces logements \u00e9taient occup\u00e9s par leurs propri\u00e9taires. L\u2019Institute for Community Economics et les CLT locaux allaient jouer un r\u00f4le d\u00e9terminant dans l\u2019\u00e9volution de ces perceptions et de ces politiques. Mais ils ont b\u00e9n\u00e9fici\u00e9 d\u2019un soutien consid\u00e9rable, non seulement de la part d\u2019alli\u00e9s tels que le National Housing Institute et, plus tard, le Lincoln Institute of Land Policy et la Fondation Ford, mais aussi gr\u00e2ce \u00e0 un contexte politique et \u00e9conomique en mutation, dans lequel la gestion responsable \u00e9tait consid\u00e9r\u00e9e comme de plus en plus importante.<\/p>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af2627a8cb2d&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af2627a8cb2d\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"245\" 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\/Housing-demonstration-1981-graphic-by-Bonnie-Acker-245x300.jpg\" alt=\"Illustration : Manifestation pour le logement &#x2013; 1981 &#x2013; Illustration de Bonnie Acker\" class=\"wp-image-20744\" style=\"width:150px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Housing-demonstration-1981-graphic-by-Bonnie-Acker-245x300.jpg 245w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Housing-demonstration-1981-graphic-by-Bonnie-Acker.jpg 639w\" sizes=\"auto, (max-width: 245px) 100vw, 245px\" \/><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\">Le milieu des ann\u00e9es 1980 a \u00e9galement marqu\u00e9 le d\u00e9but d\u2019une forte hausse des prix de l\u2019immobilier r\u00e9sidentiel, qui s\u2019est poursuivie pendant vingt ans, alors m\u00eame que les revenus des m\u00e9nages stagnaient pour les trois quintiles les plus d\u00e9favoris\u00e9s de la population et que les taux d\u2019int\u00e9r\u00eat hypoth\u00e9caires atteignaient des sommets historiques. Une nouvelle expression a fait son apparition dans le vocabulaire des politiques publiques : le \u00ab foss\u00e9 d\u2019accessibilit\u00e9 \u00bb, qui d\u00e9signe l\u2019\u00e9cart grandissant entre les prix de l\u2019immobilier et les revenus des m\u00e9nages.<\/p>\n\n<p class=\"wp-block-paragraph\">Alors que les responsables politiques et le grand public s\u2019inqui\u00e9taient de plus en plus de la baisse de l\u2019accessibilit\u00e9 financi\u00e8re tant des locations au prix du march\u00e9 que de l\u2019accession \u00e0 la propri\u00e9t\u00e9 au prix du march\u00e9, la confiance accord\u00e9e aux modes d\u2019occupation traditionnels s\u2019est quelque peu \u00e9branl\u00e9e. Ces modes d\u2019occupation semblaient de moins en moins \u00e0 m\u00eame de prot\u00e9ger et de pr\u00e9server les logements abordables, en particulier sur des march\u00e9s inflationnistes o\u00f9 les prix s\u2019emballaient. Le CLT, en revanche, a \u00e9t\u00e9 sp\u00e9cialement con\u00e7u pour r\u00e9aliser ce que les mod\u00e8les ax\u00e9s sur le march\u00e9 ne pouvaient pas faire. Comme l\u2019a d\u00e9clar\u00e9 Chuck Matthei lors de la Conf\u00e9rence nationale sur les CLT \u00e0 Atlanta en 1987 : \u00ab Aucun programme, qu\u2019il soit public ou priv\u00e9, n\u2019est un<\/p>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af2627a8d473&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af2627a8d473\" class=\"wp-block-image aligncenter size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"201\" 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\/Chuck-Matthei-300x201.jpg\" alt=\"Chuck Matthei\" class=\"wp-image-20747\" style=\"width:125px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Chuck-Matthei-300x201.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Chuck-Matthei-768x515.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Chuck-Matthei.jpg 814w\" 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<figure id=\"attachment_2735\" aria-describedby=\"caption-attachment-2735\" style=\"width: 125px\" class=\"wp-caption alignright\"><figcaption id=\"caption-attachment-2735\" class=\"wp-caption-text\">Chuck Matthei<\/figcaption><\/figure>\n\n<p class=\"wp-block-paragraph\">Une r\u00e9ponse v\u00e9ritable ou ad\u00e9quate \u00e0 la crise du logement ne saurait exister si elle ne s&rsquo;attaque pas \u00e0 la question de l&rsquo;accessibilit\u00e9 financi\u00e8re \u00e0 long terme. Il est temps de tracer une ligne claire sur le plan politique. Il s\u2019agit d\u2019un d\u00e9fi concret auquel sont confront\u00e9s les d\u00e9cideurs politiques ; c\u2019est le d\u00e9fi concret auquel sont confront\u00e9s les militants associatifs ; et, heureusement, c\u2019est un d\u00e9fi concret que le mod\u00e8le des fiducies fonci\u00e8res communautaires est en mesure de relever. \u00bb<\/p>\n\n<p class=\"wp-block-paragraph\">Pour la premi\u00e8re fois, tant les d\u00e9cideurs politiques que les militants associatifs se sont montr\u00e9s \u00e0 l\u2019\u00e9coute. L\u2019accessibilit\u00e9 permanente au logement a commenc\u00e9 \u00e0 appara\u00eetre comme une ligne de conduite prudente, une politique plus responsable sur le plan budg\u00e9taire et plus d\u00e9fendable sur le plan politique que les pratiques gouvernementales ant\u00e9rieures. \u00c0 mesure que la pr\u00e9servation des logements gagnait en importance dans les pr\u00e9occupations publiques, en particulier dans les r\u00e9gions o\u00f9 les prix du march\u00e9 s\u2019envolaient, le nombre de CLT a commenc\u00e9 \u00e0 augmenter.<\/p>\n\n<p class=\"wp-block-paragraph\">\u00c0 la surprise de nombreux observateurs, cela s\u2019est \u00e9galement v\u00e9rifi\u00e9 sur les march\u00e9s en difficult\u00e9. Tant dans les r\u00e9gions o\u00f9 l\u2019\u00e9cart d\u2019accessibilit\u00e9 ne se creusait pas que pendant les p\u00e9riodes o\u00f9 les prix de l\u2019immobilier s\u2019effondraient, le nombre de CLT et leur acceptation ont continu\u00e9 \u00e0 augmenter. La raison n\u2019\u00e9tait pas difficile \u00e0 comprendre. Les CLT ne disparaissaient pas apr\u00e8s la vente d\u2019un logement soumis \u00e0 des restrictions de revente. Elles restaient en arri\u00e8re-plan de la transaction, garantissant les opportunit\u00e9s d\u2019accession \u00e0 la propri\u00e9t\u00e9 qu\u2019elles avaient tant \u0153uvr\u00e9 \u00e0 cr\u00e9er. Elles emp\u00eachaient le report des travaux d\u2019entretien ; elles prot\u00e9geaient contre les pr\u00eats abusifs ; elles intervenaient en cas de d\u00e9faut de paiement hypoth\u00e9caire, mettant ainsi un terme \u00e0 la spirale menant \u00e0 la saisie immobili\u00e8re.<\/p>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af2627a8e090&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af2627a8e090\" class=\"wp-block-image alignleft size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"226\" 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\/Business-cycle-1-300x226.jpg\" alt=\"Cycle &#xE9;conomique\" class=\"wp-image-20749\" style=\"width:150px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Business-cycle-1-300x226.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Business-cycle-1.jpg 444w\" 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\">C&rsquo;\u00e9tait en tout cas la promesse. Les CLT affirmaient depuis le d\u00e9but des ann\u00e9es 1980 qu&rsquo;ils parvenaient mieux \u00e0 pr\u00e9server l&rsquo;accessibilit\u00e9 financi\u00e8re lorsque les march\u00e9s \u00e9taient en pleine effervescence. En 2008, leurs d\u00e9fenseurs soutenaient que les CLT \u00e9taient \u00e9galement efficaces pour pr\u00e9venir le retard dans l&rsquo;entretien et r\u00e9duire les saisies immobili\u00e8res lorsque les march\u00e9s \u00e9taient en berne. On appelait parfois \u00ab gestion contracyclique \u00bb cette double capacit\u00e9 dont faisaient preuve les CLT et d\u2019autres formes d\u2019accession \u00e0 la propri\u00e9t\u00e9 en copropri\u00e9t\u00e9.<\/p>\n\n<p class=\"wp-block-paragraph\">\u00c0 partir de 2003, une s\u00e9rie d\u2019\u00e9valuations fond\u00e9es sur des donn\u00e9es a commenc\u00e9 \u00e0 para\u00eetre, visant \u00e0 examiner de pr\u00e8s la v\u00e9racit\u00e9 de ces affirmations. Deux questions se sont impos\u00e9es comme les plus importantes dans ces \u00e9tudes : les fiducies fonci\u00e8res communautaires (CLT) permettent-elles de pr\u00e9server l\u2019accessibilit\u00e9 financi\u00e8re pour les m\u00e9nages \u00e0 faibles revenus qui esp\u00e8rent acqu\u00e9rir un logement CLT \u00e0 l\u2019avenir, tout en offrant aux m\u00e9nages qui choisissent de vendre leur logement CLT un taux de rendement \u00e9quitable et la possibilit\u00e9 de se constituer un patrimoine ? Les CLT renforcent-ils la s\u00e9curit\u00e9 des propri\u00e9taires \u00e0 faibles revenus, en r\u00e9duisant le nombre de saisies hypoth\u00e9caires, tout en garantissant une certaine mobilit\u00e9 aux propri\u00e9taires qui souhaitent quitter le CLT ?<\/p>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af2627a8ea80&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af2627a8ea80\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"225\" 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\/CLT-evaluations-300x225.jpg\" alt=\"&#xC9;valuations du CLT\" class=\"wp-image-20750\" style=\"width:150px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/CLT-evaluations-300x225.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/CLT-evaluations.jpg 720w\" 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\">Ces \u00e9tudes ont apport\u00e9 une r\u00e9ponse affirmative, fournissant pour la premi\u00e8re fois des donn\u00e9es concr\u00e8tes d\u00e9montrant que l\u2019approche sp\u00e9cialis\u00e9e ax\u00e9e sur la gestion post-achat des logements occup\u00e9s par leurs propri\u00e9taires, adopt\u00e9e par de nombreux CLT, portait ses fruits. Les logements g\u00e9r\u00e9s par les CLT \u00e9taient moins susceptibles d\u2019\u00eatre perdus au fil du temps. Cela s\u2019est av\u00e9r\u00e9 vrai lorsque la forte tension sur le march\u00e9 immobilier a menac\u00e9 l\u2019accessibilit\u00e9 financi\u00e8re. Cela s\u2019est av\u00e9r\u00e9 vrai lorsque les march\u00e9s en berne mena\u00e7aient la s\u00e9curit\u00e9 d\u2019occupation. M\u00eame pendant la crise des cr\u00e9dits hypoth\u00e9caires de la Grande R\u00e9cession, qui a d\u00e9but\u00e9 en 2008, les propri\u00e9taires de logements en CLT ont connu beaucoup moins de d\u00e9fauts de paiement et de saisies immobili\u00e8res, compar\u00e9 aux r\u00e9sultats d\u00e9sastreux des propri\u00e9taires d\u00e9tenant des pr\u00eats hypoth\u00e9caires classiques pour des logements au prix du march\u00e9. Le succ\u00e8s av\u00e9r\u00e9 de ce mod\u00e8le, d\u00e9montrant que la gestion responsable porte ses fruits, a contribu\u00e9 \u00e0 l\u2019essor de ce mouvement.<\/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-further-reading\" class=\"wp-block-heading\" style=\"margin-top:0\">Lectures compl\u00e9mentaires<\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af2627a8f7a9&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af2627a8f7a9\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"235\" 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\/Cover-of-Shared-Equity-Homeownership-2006-1-235x300.jpg\" alt=\"Couverture de l'ouvrage &#xAB; Accession &#xE0; la propri&#xE9;t&#xE9; en copropri&#xE9;t&#xE9; &#xBB; - 2006\" class=\"wp-image-20753\" style=\"width:124px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cover-of-Shared-Equity-Homeownership-2006-1-235x300.jpg 235w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cover-of-Shared-Equity-Homeownership-2006-1-802x1024.jpg 802w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cover-of-Shared-Equity-Homeownership-2006-1-768x981.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cover-of-Shared-Equity-Homeownership-2006-1-1203x1536.jpg 1203w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cover-of-Shared-Equity-Homeownership-2006-1-1604x2048.jpg 1604w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cover-of-Shared-Equity-Homeownership-2006-1-scaled.jpg 2005w\" sizes=\"auto, (max-width: 235px) 100vw, 235px\" \/><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>Miriam Axel-Lute, \u00ab <em>L\u2019accession \u00e0 la propri\u00e9t\u00e9 aujourd\u2019hui et demain : se constituer un patrimoine tout en pr\u00e9servant l\u2019accessibilit\u00e9 financi\u00e8re<\/em> \u00bb, (Washington DC : Cornerstone Partnership, 2010).<\/li>\n\n\n\n<li>John Emmeus Davis, \u00ab Au-del\u00e0 de l\u2019argent : qu\u2019est-ce qui <em>se partage<\/em> dans l\u2019accession \u00e0 la propri\u00e9t\u00e9 en partage de capital ? \u00bb, <em>Journal of Affordable Housing &amp; Community Development Law<\/em> (printemps\/\u00e9t\u00e9 2010).<\/li>\n\n\n\n<li>John Emmeus Davis, \u00ab Des logements durables : plaidoyer en faveur d\u2019une gestion anticyclique \u00bb, <em>Shelterforce<\/em> (hiver 2008).<\/li>\n\n\n\n<li>John Emmeus Davis, <em>\u00ab L\u2019accession \u00e0 la propri\u00e9t\u00e9 en partage de capital : l\u2019\u00e9volution du paysage des logements occup\u00e9s par leur propri\u00e9taire et soumis \u00e0 des restrictions de revente<\/em> \u00bb (Montclair, NJ : National Housing Institute, 2006).<\/li>\n\n\n\n<li>John Emmeus Davis et Alice Stokes, \u00ab <em>Des terrains en fiducie, des logements durables \u00bb (<\/em>Burlington, VT : Champlain Housing Trust, 2010).<\/li>\n\n\n\n<li>Rick Jacobus, \u00ab Le meilleur des deux mondes \u00bb, <em>Shelterforce<\/em> (2010).<\/li>\n\n\n\n<li>Kenneth Temkin, Brett Theodos et David Price, \u00ab <em>Concilier accessibilit\u00e9 financi\u00e8re et opportunit\u00e9s : une \u00e9valuation des programmes d\u2019accession \u00e0 la propri\u00e9t\u00e9 abordable assortis de contr\u00f4les d\u2019accessibilit\u00e9 financi\u00e8re \u00e0 long terme<\/em> \u00bb (Washington, DC : The Urban Institute, 2010).<\/li>\n\n\n\n<li>Emily Thaden, \u00ab <em>Outperforming the Market : Making Sense of the Low Rates of Delinquencies and Foreclosures in Community Land Trusts<\/em> \u00bb (Portland, OR : National CLT Network, 2010).<\/li>\n\n\n\n<li>Emily Thaden, \u00ab <em>Une accession \u00e0 la propri\u00e9t\u00e9 stable dans une \u00e9conomie turbulente : les taux de d\u00e9fauts de paiement et de saisies immobili\u00e8res restent faibles dans les fiducies fonci\u00e8res communautaires<\/em> \u00bb (Cambridge, MA : Lincoln Institute of Land Policy, 2011).<\/li>\n<\/ul>\n\n\n\n<h2 id=\"h-external-links\" class=\"wp-block-heading\">Liens externes<\/h2>\n\n\n\n<figure class=\"wp-block-image alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"87\" height=\"119\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/NHI-logo.jpg\" alt=\"Logo de l'Assurance maladie nationale\" class=\"wp-image-21093\" style=\"width:87px;height:auto\"\/><\/figure>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af2627a90234&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af2627a90234\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"97\" 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\/Cornerstone-Partnership-logo-300x97.jpg\" alt=\"NCB Cornerstone 4c\" class=\"wp-image-21094\" style=\"width:142px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cornerstone-Partnership-logo-300x97.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cornerstone-Partnership-logo-1024x331.jpg 1024w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cornerstone-Partnership-logo-768x248.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cornerstone-Partnership-logo-1536x497.jpg 1536w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cornerstone-Partnership-logo.jpg 1800w\" 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\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af2627a907e4&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af2627a907e4\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"269\" 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\/NCLTN-logo-269x300.jpg\" alt=\"Logo du NCLTN\" class=\"wp-image-20708\" style=\"width:70px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/NCLTN-logo-269x300.jpg 269w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/NCLTN-logo-919x1024.jpg 919w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/NCLTN-logo-768x855.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/NCLTN-logo.jpg 1106w\" sizes=\"auto, (max-width: 269px) 100vw, 269px\" \/><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 id=\"block-70\" class=\"wp-block-list\">\n<li><a href=\"http:\/\/www.nhi.org\/\">Institut national du logement<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/www.cltnetwork.org\">R\u00e9seau national des CLT<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/affordableownership.org\/\">Partenariat Cornerstone<\/a><\/li>\n<\/ul>\n\n\n\n<div id=\"themify_builder_content-67\" data-postid=\"67\" class=\"themify_builder_content themify_builder_content-67 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\/echange-didees\/\">\u2190 Pollinisation crois\u00e9e<\/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\/faire-fructifier-largent\/\">Secouer l\u2019arbre \u00e0 argent \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-box20775_t0{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t0{height:auto;align-self:stretch;}.kt-info-box20775_t0 .kt-blocks-info-box-link-wrap{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t0 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box20775_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-box20775_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-box20775_t0.wp-block-kadence-infobox{max-width:100%;}.kt-info-box20775_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-box20775_t0 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box20775_t0 .kt-info-svg-icon-flip, .kt-info-box20775_t0 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box20775_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-box20775_t0 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:12px;margin-left:0px;}.kt-info-box20775_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-box20775_t0 .kt-blocks-info-box-link-wrap:hover h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);}.kt-info-box20775_t0 .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.wp-block-kadence-infobox.kt-info-box20775_t0 .kt-blocks-info-box-text{font-size:14px;line-height:1.5;}.kt-info-box20775_t0 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.kt-info-box20775_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-box20775_t0 .kt-blocks-info-box-link-wrap{box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20775_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-box20775_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-box20775_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-box20775_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-box20775_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-box20775_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-box20775_t1{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t1{height:auto;align-self:stretch;}.kt-info-box20775_t1 .kt-blocks-info-box-link-wrap{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t1 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box20775_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-box20775_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-box20775_t1.wp-block-kadence-infobox{max-width:100%;}.kt-info-box20775_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-box20775_t1 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box20775_t1 .kt-info-svg-icon-flip, .kt-info-box20775_t1 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box20775_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-box20775_t1 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:12px;margin-left:0px;}.kt-info-box20775_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-box20775_t1 .kt-blocks-info-box-link-wrap:hover h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);}.kt-info-box20775_t1 .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.wp-block-kadence-infobox.kt-info-box20775_t1 .kt-blocks-info-box-text{font-size:14px;line-height:1.5;}.kt-info-box20775_t1 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.kt-info-box20775_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-box20775_t1 .kt-blocks-info-box-link-wrap{box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20775_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-box20775_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-box20775_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-box20775_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-box20775_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-box20775_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-box20775_t2{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t2{height:auto;align-self:stretch;}.kt-info-box20775_t2 .kt-blocks-info-box-link-wrap{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t2 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box20775_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-box20775_t2 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.kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:12px;margin-left:0px;}.kt-info-box20775_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-box20775_t2 .kt-blocks-info-box-link-wrap:hover h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);}.kt-info-box20775_t2 .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.wp-block-kadence-infobox.kt-info-box20775_t2 .kt-blocks-info-box-text{font-size:14px;line-height:1.5;}.kt-info-box20775_t2 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.kt-info-box20775_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-box20775_t2 .kt-blocks-info-box-link-wrap{box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20775_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-box20775_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-box20775_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-box20775_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-box20775_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-box20775_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\/faire-fructifier-largent\/\" aria-label=\"Shaking the Money Tree\"><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-Money-Tree-264x300.jpg\" alt=\"\" width=\"264\" height=\"300\" class=\"kt-info-box-image wp-image-21096\" 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\" \/><\/div><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h3 class=\"kt-blocks-info-box-title\">Faire fructifier l&rsquo;argent<\/h3><\/div><\/a><\/div>\n\n\n<style>.kt-info-box20775_t3{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t3{height:auto;align-self:stretch;}.kt-info-box20775_t3 .kt-blocks-info-box-link-wrap{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t3 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box20775_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-box20775_t3 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.kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:12px;margin-left:0px;}.kt-info-box20775_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-box20775_t3 .kt-blocks-info-box-link-wrap:hover h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);}.kt-info-box20775_t3 .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.wp-block-kadence-infobox.kt-info-box20775_t3 .kt-blocks-info-box-text{font-size:14px;line-height:1.5;}.kt-info-box20775_t3 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.kt-info-box20775_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-box20775_t3 .kt-blocks-info-box-link-wrap{box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20775_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-box20775_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-box20775_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-box20775_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-box20775_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-box20775_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-box20775_t4{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t4{height:auto;align-self:stretch;}.kt-info-box20775_t4 .kt-blocks-info-box-link-wrap{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t4 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box20775_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-box20775_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-box20775_t4.wp-block-kadence-infobox{max-width:100%;}.kt-info-box20775_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-box20775_t4 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box20775_t4 .kt-info-svg-icon-flip, .kt-info-box20775_t4 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box20775_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-box20775_t4 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:12px;margin-left:0px;}.kt-info-box20775_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-box20775_t4 .kt-blocks-info-box-link-wrap:hover h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);}.kt-info-box20775_t4 .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.wp-block-kadence-infobox.kt-info-box20775_t4 .kt-blocks-info-box-text{font-size:14px;line-height:1.5;}.kt-info-box20775_t4 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.kt-info-box20775_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-box20775_t4 .kt-blocks-info-box-link-wrap{box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20775_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-box20775_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-box20775_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-box20775_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-box20775_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-box20775_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 3 sur 6 Le cr\u00e9neau de l\u2019accession \u00e0 la propri\u00e9t\u00e9 En concurrence avec d\u2019autres associations pour les financements, les terrains et 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