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HLM - translation to English
, barre HLM du Jardin Frémin.jpg?width=200)
![HBM of rue Jean Fautrier in the [[13th arrondissement of Paris]], France.](https://commons.wikimedia.org/wiki/Special:FilePath/Paris13 HBM-rueJeanFautrier.jpg?width=200 "HBM of rue Jean Fautrier in the [[13th arrondissement of Paris]], France.")
![HLM in the area of [[Planoise]], in [[Besançon]].](https://commons.wikimedia.org/wiki/Special:FilePath/Tour d'Île-de-France - Planoise - 2.JPG?width=200 "HLM in the area of [[Planoise]], in [[Besançon]].")
Wikipedia
, barre HLM du Jardin Frémin.jpg?width=120)
An habitation à loyer modéré (HLM, pronounced [aʃ ɛl ɛm], lit. 'housing at moderate rent'), is a form of low-income housing in France, Algeria, Senegal, and Quebec. It may be public or private, with rent subsidies.
HLMs constitute 16% of all housing in France. There are approximately four million such residences, housing an estimated 10 million people. The standard of living in the HLM housing projects is often the lowest in the country.
72% of French HLMs built before 2001 (and 95% of those built between 2001 and 2011) are small buildings or individual houses. The average size of buildings is 20 apartments. Construction of HLM is mainly financed by funds collected on Livret A, a type of savings account regulated by the Caisse des dépôts et consignations. In 2011, the French people have placed 280 billion euros on this type of savings account.
