<?xml version="1.0" encoding="UTF-8"?>
<gmd:MD_Metadata xmlns:gco="http://www.isotc211.org/2005/gco" xmlns:gmd="http://www.isotc211.org/2005/gmd" xmlns:gml="http://www.opengis.net/gml" xmlns:gmx="http://www.isotc211.org/2005/gmx" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.isotc211.org/2005/gmd http://www.isotc211.org/2005/gmd/gmd.xsd http://www.isotc211.org/2005/gmx http://www.isotc211.org/2005/gmx/gmx.xsd">
  <gmd:fileIdentifier>
    <gco:CharacterString>a9c2fe7c-c064-48bb-809f-384d0c5231e8</gco:CharacterString>
  </gmd:fileIdentifier>
  <gmd:language>
    <gmd:LanguageCode codeList="http://www.loc.gov/standards/iso639-2/" codeSpace="ISO 639-2" codeListValue="fr">fr</gmd:LanguageCode>
  </gmd:language>
  <gmd:characterSet>
    <gmd:MD_CharacterSetCode codeList="http://www.isotc211.org/2005/resources/Codelist/gmxCodelists.xml#MD_CharacterSetCode" codeSpace="ISOTC211/19115" codeListValue="utf8">utf8</gmd:MD_CharacterSetCode>
  </gmd:characterSet>
  <gmd:hierarchyLevel>
    <gmd:MD_ScopeCode codeList="http://www.isotc211.org/2005/resources/Codelist/gmxCodelists.xml#MD_ScopeCode" codeSpace="ISOTC211/19115" codeListValue=""/>
  </gmd:hierarchyLevel>
  <gmd:dateStamp>
    <gco:DateTime>2026-09-09T13:31:58Z</gco:DateTime>
  </gmd:dateStamp>
  <gmd:metadataStandardName>
    <gco:CharacterString>ISO 19115:2003 - Geographic information - Metadata</gco:CharacterString>
  </gmd:metadataStandardName>
  <gmd:metadataStandardVersion>
    <gco:CharacterString>ISO 19115:2003</gco:CharacterString>
  </gmd:metadataStandardVersion>
  <gmd:dataSetURI>
    <gco:CharacterString/>
  </gmd:dataSetURI>
  <gmd:spatialRepresentationInfo>
    <gmd:MD_VectorSpatialRepresentation>
      <gmd:topologyLevel>
        <gmd:MD_TopologyLevelCode codeList="http://www.isotc211.org/2005/resources/Codelist/gmxCodelists.xml#MD_TopologyLevelCode" codeSpace="ISOTC211/19115" codeListValue="geometryOnly">geometryOnly</gmd:MD_TopologyLevelCode>
      </gmd:topologyLevel>
      <gmd:geometricObjects>
        <gmd:MD_GeometricObjects>
          <gmd:geometricObjectType>
            <gmd:MD_GeometricObjectTypeCode codeList="http://www.isotc211.org/2005/resources/Codelist/gmxCodelists.xml#MD_GeometricObjectTypeCode" codeSpace="ISOTC211/19115" codeListValue=""/>
          </gmd:geometricObjectType>
        </gmd:MD_GeometricObjects>
      </gmd:geometricObjects>
    </gmd:MD_VectorSpatialRepresentation>
  </gmd:spatialRepresentationInfo>
  <gmd:referenceSystemInfo>
    <gmd:MD_ReferenceSystem>
      <gmd:referenceSystemIdentifier>
        <gmd:RS_Identifier>
          <gmd:authority>
            <gmd:CI_Citation>
              <gmd:title>
                <gco:CharacterString>European Petroleum Survey Group (EPSG) Geodetic Parameter Registry</gco:CharacterString>
              </gmd:title>
              <gmd:date>
                <gmd:CI_Date>
                  <gmd:date>
                    <gco:Date>2008-11-12</gco:Date>
                  </gmd:date>
                  <gmd:dateType>
                    <gmd:CI_DateTypeCode codeList="http://www.isotc211.org/2005/resources/Codelist/gmxCodelists.xml#CI_DateTypeCode" codeSpace="ISOTC211/19115" codeListValue="publication">publication</gmd:CI_DateTypeCode>
                  </gmd:dateType>
                </gmd:CI_Date>
              </gmd:date>
              <gmd:citedResponsibleParty>
                <gmd:CI_ResponsibleParty>
                  <gmd:organisationName>
                    <gco:CharacterString>European Petroleum Survey Group</gco:CharacterString>
                  </gmd:organisationName>
                  <gmd:contactInfo>
                    <gmd:CI_Contact>
                      <gmd:onlineResource>
                        <gmd:CI_OnlineResource>
                          <gmd:linkage>
                            <gmd:URL>http://www.epsg-registry.org</gmd:URL>
                          </gmd:linkage>
                        </gmd:CI_OnlineResource>
                      </gmd:onlineResource>
                    </gmd:CI_Contact>
                  </gmd:contactInfo>
                  <gmd:role>
                    <gmd:CI_RoleCode codeList="http://www.isotc211.org/2005/resources/Codelist/gmxCodelists.xml#CI_RoleCode" codeSpace="ISOTC211/19115" codeListValue="originator">originator</gmd:CI_RoleCode>
                  </gmd:role>
                </gmd:CI_ResponsibleParty>
              </gmd:citedResponsibleParty>
            </gmd:CI_Citation>
          </gmd:authority>
          <gmd:code>
            <gco:CharacterString>urn:ogc:def:crs:EPSG:4326</gco:CharacterString>
          </gmd:code>
          <gmd:version>
            <gco:CharacterString>6.18.3</gco:CharacterString>
          </gmd:version>
        </gmd:RS_Identifier>
      </gmd:referenceSystemIdentifier>
    </gmd:MD_ReferenceSystem>
  </gmd:referenceSystemInfo>
  <gmd:identificationInfo>
    <gmd:MD_DataIdentification>
      <gmd:citation>
        <gmd:CI_Citation>
          <gmd:title>
            <gco:CharacterString>Observatoire de l'habitat : La solvabilit&#233; des m&#233;nages de Caen la mer face au march&#233; immobilier local.</gco:CharacterString>
          </gmd:title>
          <gmd:date>
            <gmd:CI_Date>
              <gmd:date>
                <gco:DateTime>1900-01-01T00:00:00Z</gco:DateTime>
              </gmd:date>
              <gmd:dateType>
                <gmd:CI_DateTypeCode codeList="http://www.isotc211.org/2005/resources/Codelist/gmxCodelists.xml#CI_DateTypeCode" codeSpace="ISOTC211/19115" codeListValue="creation">creation</gmd:CI_DateTypeCode>
              </gmd:dateType>
            </gmd:CI_Date>
          </gmd:date>
          <gmd:date>
            <gmd:CI_Date>
              <gmd:date>
                <gco:DateTime>2025-03-21T15:47:28Z</gco:DateTime>
              </gmd:date>
              <gmd:dateType>
                <gmd:CI_DateTypeCode codeList="http://www.isotc211.org/2005/resources/Codelist/gmxCodelists.xml#CI_DateTypeCode" codeSpace="ISOTC211/19115" codeListValue="publication">publication</gmd:CI_DateTypeCode>
              </gmd:dateType>
            </gmd:CI_Date>
          </gmd:date>
          <gmd:date>
            <gmd:CI_Date>
              <gmd:date>
                <gco:DateTime>2026-09-09T13:31:58Z</gco:DateTime>
              </gmd:date>
              <gmd:dateType>
                <gmd:CI_DateTypeCode codeList="http://www.isotc211.org/2005/resources/Codelist/gmxCodelists.xml#CI_DateTypeCode" codeSpace="ISOTC211/19115" codeListValue="revision">revision</gmd:CI_DateTypeCode>
              </gmd:dateType>
            </gmd:CI_Date>
          </gmd:date>
        </gmd:CI_Citation>
      </gmd:citation>
      <gmd:abstract>
        <gco:CharacterString>Le co&#251;t du logement p&#232;se de plus en plus lourd dans le budget des m&#233;nages dont il constitue d&#233;sormais le premier poste de d&#233;penses. L'augmentation de l'effort financier consenti par les m&#233;nages pour se loger les rend plus sensibles aux al&#233;as de la vie et ne leur garantit pas une s&#233;curit&#233; durable.&#160;&#187; (L'&#233;tat du mal logement en France, fondation Abb&#233; Pierre, 2014).
En France, la hausse des prix de l'immobilier et les &#233;volutions de la structure des m&#233;nages (d&#233;cohabitation, vieillissement de la population, augmentation du nombre de s&#233;parations...) ont un impact important sur la solvabilit&#233; de ces derniers et par cons&#233;quent sur leurs conditions d'acc&#232;s au logement.
Le territoire de Caen la mer n'&#233;chappe pas &#224; cette tendance. En effet, depuis plus de dix ans, les acteurs locaux font le constat d'une inad&#233;quation entre les prix de l'immobilier et les ressources des m&#233;nages. Ce d&#233;couplage a pour corollaire des difficult&#233;s d'acc&#232;s au logement et des blocages dans les parcours r&#233;sidentiels.
En effet, l'offre immobili&#232;re disponible, qu'elle soit neuve ou ancienne, en location libre ou en accession &#224; la propri&#233;t&#233;, est devenue inaccessible pour de nombreux m&#233;nages locaux. Si certains peuvent continuer leur parcours r&#233;sidentiel dans un logement situ&#233; en lointaine p&#233;riph&#233;rie de la ville-centre, d'autres restent captifs de leur situation face au logement.
Mais quelle est r&#233;ellement l'ampleur du d&#233;calage entre l'offre de logements et les ressources des m&#233;nages sur le territoire Caen la mer ?
La pr&#233;sente note d'observation se propose d'apporter des &#233;l&#233;ments d'analyse sur la solvabilit&#233; des m&#233;nages face au march&#233; du logement. Dans un contexte d'&#233;laboration du nouveau programme local de l'habitat, conna&#238;tre le pouvoir d'achat immobilier des m&#233;nages locaux est une priorit&#233; pour l'agglom&#233;ration caennaise. En effet, disposer d'&#233;l&#233;ments de connaissance sur ce sujet permettra, &#224; terme, d'adapter de fa&#231;on efficiente la programmation des logements neufs et ainsi mieux r&#233;pondre aux besoins des m&#233;nages locaux.
Avant de rentrer dans une analyse cibl&#233;e sur le territoire de Caen la mer, il est opportun de poser un contexte national et de montrer en quoi le logement est devenu le premier poste de d&#233;penses des m&#233;nages en France.</gco:CharacterString>
      </gmd:abstract>
      <gmd:status>
        <gmd:MD_ProgressCode codeList="http://www.isotc211.org/2005/resources/Codelist/gmxCodelists.xml#MD_ProgressCode" codeSpace="ISOTC211/19115" codeListValue="UnderDevelopment">UnderDevelopment</gmd:MD_ProgressCode>
      </gmd:status>
      <gmd:resourceMaintenance>
        <gmd:MD_MaintenanceInformation>
          <gmd:maintenanceAndUpdateFrequency>
            <gmd:MD_MaintenanceFrequencyCode codeList="http://www.isotc211.org/2005/resources/Codelist/gmxCodelists.xml#MD_MaintenanceFrequencyCode" codeSpace="ISOTC211/19115" codeListValue="continual">continual</gmd:MD_MaintenanceFrequencyCode>
          </gmd:maintenanceAndUpdateFrequency>
        </gmd:MD_MaintenanceInformation>
      </gmd:resourceMaintenance>
      <gmd:descriptiveKeywords>
        <gmd:MD_Keywords>
          <gmd:keyword>
            <gco:CharacterString>{'label': 'Spatial distribution', 'value': '11118', 'uri': 'https://www.eionet.europa.eu/gemet/en/concept/11118'}</gco:CharacterString>
          </gmd:keyword>
          <gmd:type>
            <gmd:MD_KeywordTypeCode codeList="http://www.isotc211.org/2005/resources/Codelist/gmxCodelists.xml#MD_KeywordTypeCode" codeSpace="ISOTC211/19115" codeListValue=""/>
          </gmd:type>
          <gmd:thesaurusName>
            <gmd:CI_Citation>
              <gmd:title>
                <gmx:Anchor xlink:title="GEMET - Concepts, version 4.2.3" xlink:href="http://www.eionet.europa.eu/gemet">GEMET - Concepts, version 4.2.3</gmx:Anchor>
              </gmd:title>
              <gmd:date>
                <gmd:CI_Date>
                  <gmd:date gco:nilReason="missing"/>
                  <gmd:dateType gco:nilReason="missing"/>
                </gmd:CI_Date>
              </gmd:date>
            </gmd:CI_Citation>
          </gmd:thesaurusName>
        </gmd:MD_Keywords>
      </gmd:descriptiveKeywords>
      <gmd:descriptiveKeywords>
        <gmd:MD_Keywords>
          <gmd:keyword>
            <gco:CharacterString>{'label': 'National', 'value': 'national', 'uri': 'http://inspire.ec.europa.eu/metadata-codelist/SpatialScope/national'}</gco:CharacterString>
          </gmd:keyword>
          <gmd:type>
            <gmd:MD_KeywordTypeCode codeList="http://www.isotc211.org/2005/resources/Codelist/gmxCodelists.xml#MD_KeywordTypeCode" codeSpace="ISOTC211/19115" codeListValue=""/>
          </gmd:type>
          <gmd:thesaurusName>
            <gmd:CI_Citation>
              <gmd:title>
                <gmx:Anchor xlink:title="Spatial scope" xlink:href="http://inspire.ec.europa.eu/metadata-codelist/SpatialScope">Spatial scope</gmx:Anchor>
              </gmd:title>
              <gmd:date>
                <gmd:CI_Date>
                  <gmd:date gco:nilReason="missing"/>
                  <gmd:dateType gco:nilReason="missing"/>
                </gmd:CI_Date>
              </gmd:date>
            </gmd:CI_Citation>
          </gmd:thesaurusName>
        </gmd:MD_Keywords>
      </gmd:descriptiveKeywords>
      <gmd:resourceConstraints>
        <gmd:MD_LegalConstraints>
          <gmd:accessConstraints>
            <gmd:MD_RestrictionCode codeList="http://www.isotc211.org/2005/resources/Codelist/gmxCodelists.xml#MD_RestrictionCode" codeSpace="ISOTC211/19115" codeListValue="{'label': 'There are no limitations on public access to spatial data sets and services.', 'uri': 'http://inspire.ec.europa.eu/metadata-codelist/LimitationsOnPublicAccess/noLimitations'}">{'label': 'There are no limitations on public access to spatial data sets and services.', 'uri': 'http://inspire.ec.europa.eu/metadata-codelist/LimitationsOnPublicAccess/noLimitations'}</gmd:MD_RestrictionCode>
          </gmd:accessConstraints>
        </gmd:MD_LegalConstraints>
      </gmd:resourceConstraints>
      <gmd:spatialRepresentationType>
        <gmd:MD_SpatialRepresentationTypeCode codeList="http://www.isotc211.org/2005/resources/Codelist/gmxCodelists.xml#MD_SpatialRepresentationTypeCode" codeSpace="ISOTC211/19115" codeListValue="vector">vector</gmd:MD_SpatialRepresentationTypeCode>
      </gmd:spatialRepresentationType>
      <gmd:language>
        <gmd:LanguageCode codeList="http://www.loc.gov/standards/iso639-2/" codeSpace="ISO 639-2" codeListValue=""/>
      </gmd:language>
      <gmd:characterSet>
        <gmd:MD_CharacterSetCode codeList="http://www.isotc211.org/2005/resources/Codelist/gmxCodelists.xml#MD_CharacterSetCode" codeSpace="ISOTC211/19115" codeListValue="utf8">utf8</gmd:MD_CharacterSetCode>
      </gmd:characterSet>
      <gmd:topicCategory>
        <gmd:MD_TopicCategoryCode>biota</gmd:MD_TopicCategoryCode>
      </gmd:topicCategory>
      <gmd:extent>
        <gmd:EX_Extent>
          <gmd:geographicElement>
            <gmd:EX_GeographicBoundingBox>
              <gmd:extentTypeCode>
                <gco:Boolean>1</gco:Boolean>
              </gmd:extentTypeCode>
              <gmd:westBoundLongitude>
                <gco:Decimal>[</gco:Decimal>
              </gmd:westBoundLongitude>
              <gmd:eastBoundLongitude>
                <gco:Decimal>1</gco:Decimal>
              </gmd:eastBoundLongitude>
              <gmd:southBoundLatitude>
                <gco:Decimal>-</gco:Decimal>
              </gmd:southBoundLatitude>
              <gmd:northBoundLatitude>
                <gco:Decimal>9</gco:Decimal>
              </gmd:northBoundLatitude>
            </gmd:EX_GeographicBoundingBox>
          </gmd:geographicElement>
        </gmd:EX_Extent>
      </gmd:extent>
      <gmd:supplementalInformation>
        <gco:CharacterString>http://data4citizen-ckan:5000/dataset/1091_observatoire_de_l_habitat__la_solvabilite_des_menages_de_caen_/</gco:CharacterString>
      </gmd:supplementalInformation>
    </gmd:MD_DataIdentification>
  </gmd:identificationInfo>
  <gmd:distributionInfo>
    <gmd:MD_Distribution>
      <gmd:transferOptions>
        <gmd:MD_DigitalTransferOptions>
          <gmd:onLine>
            <gmd:CI_OnlineResource>
              <gmd:linkage>
                <gmd:URL>https://www.datanormandie.fr/sites/default/files/dataset/2025/03/21/a9c2fe7c-c064-48bb-809f-384d0c5231e8/1091_3328_obs_habitat03_solvabilitemenages_.pdf</gmd:URL>
              </gmd:linkage>
              <gmd:protocol>
                <gco:CharacterString>PDF</gco:CharacterString>
              </gmd:protocol>
              <gmd:name>
                <gco:CharacterString>1091_3328_obs_habitat03_solvabilitemenages_.pdf</gco:CharacterString>
              </gmd:name>
              <gmd:function>
                <gmd:CI_OnLineFunctionCode codeList="http://www.isotc211.org/2005/resources/Codelist/gmxCodelists.xml#CI_OnLineFunctionCode" codeSpace="ISOTC211/19115" codeListValue="information">information</gmd:CI_OnLineFunctionCode>
              </gmd:function>
            </gmd:CI_OnlineResource>
          </gmd:onLine>
        </gmd:MD_DigitalTransferOptions>
      </gmd:transferOptions>
    </gmd:MD_Distribution>
  </gmd:distributionInfo>
  <gmd:metadataMaintenance>
    <gmd:MD_MaintenanceInformation>
      <gmd:maintenanceAndUpdateFrequency>
        <gmd:MD_MaintenanceFrequencyCode codeList="http://www.isotc211.org/2005/resources/Codelist/gmxCodelists.xml#MD_MaintenanceFrequencyCode" codeSpace="ISOTC211/19115" codeListValue="continual">continual</gmd:MD_MaintenanceFrequencyCode>
      </gmd:maintenanceAndUpdateFrequency>
      <gmd:maintenanceNote>
        <gco:CharacterString>This metadata record was generated by pygeometa-0.13.1 (https://github.com/geopython/pygeometa)</gco:CharacterString>
      </gmd:maintenanceNote>
    </gmd:MD_MaintenanceInformation>
  </gmd:metadataMaintenance>
</gmd:MD_Metadata>