Energy renovation work is an excellent alternative to reduce your expenses energy and to modernize your home. But, it is not so easy since this type of project requires a significant investment. Therefore, below are some solutions adapted to each class.
MaPrimeRénov ‘
Established since 2020, MaPrimeRénov’ is state aid for renovation projects Of house. Thus, it finances everything related to the revision of housing, namely the work of heating, boiler, ventilation, insulation, energy audit, etc.
MaPrimeRénov’ is open to anyone with a home or a building built at least 15 years ago. Owners, co-owners of accommodation, lessors… the premium is intended for all incomes.
The fund released is a lump sum calculated according to the scope of the work, household income and the ecological profit resulting from the work.
MaPrimeRénov’ Serenity
MaPrimeRénov’ Sérénité is a subsidy intended only for households with low incomes. For modest households, it can provide them with a sum of up to 10,500 euros, or 35% of the work. As for very modest households, their monetary fund can climb up to 15,000 euros. Note that the maximum amount of work must not exceed the bar of 30,000 euros.
To benefit from this financial assistance, an online application on the website of the National Housing Agency (ANAH) is required.
Energy Saving Certificate (EEC)
It is a kind of energy financial aid intended for all households, whatever their income. It comes in 3 forms such as Prime Energy, in the form of vouchers, direct payment and assistance in the form of a reduction on the estimate.
The amount released by the CEE varies according to household income and the number of people there. It is between 19,565 euros and 7,613 euros or more.
It is therefore essential to note that the CEE can be associated with other financial aid, apart from MaPrimeRénov’ Sérénité. To obtain this subsidy, consider obtaining the estimated amount for your energy works and simulating the premiums from CEE suppliers.
Eco Loan at rate 0
This is a free loan that allows you to pay money for your energy renovation work. It is designed for all owners including lessors, condominiums and occupants and is accessible until December 31, 2023. Only the dwellings concerned must be in place for more than two years.
As for the loan, the borrowed money is repayable within the next 20 years and interest free. If you only have one action to perform, you can get up to 15,000 euros. For 3 works, the amount you will receive is 25,000 euros. 3 works are equivalent to 30000 euros. If you plan to improve performance that reaches 35%, you will have an amount of 50,000 euros maximum. Note that all works are concerned except air-air heat pump.
Want to get started? Go to your banker by providing a borrower form which is a link to the public service site.
Renovation Advance Loan
In a few words, the Renovation Advance Loan is a mortgage loan offered by Banque Postale and Crédit Mutuel. Thanks to this, it is possible to carry out tailor-made work. Compared to other types of loans, the borrower only repays the amount in the event of inheritance or sale of the home.
If certain risks of loss arise, the State is responsible for solving them and that up to 75%.
As for the amount of the loan, it varies from the value and type of the property. Indeed, a home that has undergone an energy renovation will be even more valuable. Thanks to this increase in value, the repayment of the loan will be easier.
