2023-07-06 22:00:00
State financial aid for the energy transition
The energy premium
Since 2021, the bonus energy (MaPrimeRenov)replace the energy transition tax credit (CITE). This measure put in place by the State serves to support the energy renovation works, of which the installation of a heat pump is part. It allows you to benefit from a tax credit equivalent to the percentage of expenses incurred for the purchase and installation of a heat pump. The energy bonus is paid in the form of check by energy suppliers and can be combined with other aid.
Aid from the National Housing Agency (ANAH)
The National Housing Agency (ANAH) also offers financial aid to buy a heat pump. They include in particular MaPrimeRénov’, but To benefit from it, you must have owned your home for at least 15 years.
“Live serenely” or “Living healthy”: this device concerns all installations, including electrical ones, which aim toclean up a home and D’improve comfort of its occupants. The aid can cover up to 50% of the total cost of the works. (up to €10,000 for “healthy living” and €25,000 for “serene living”.
Loc’Advantages : this system allows you to obtain up to 15,000 euros in aid (25 to 35% of the total amount) for energy renovation workson condition that they allow you to obtain the “D” energy label following the works.
To be eligible, it is necessary to have the work carried out by an RGE professional and meet certain resource conditions.
The “heating boost” bonus
This bounty, also known as “Energy saving boost“, was put in place as part of the system of energy saving certificates (CEE).
The prime “Heating boost“specifically aims to encourage the transition to more efficient and less energy-consuming heating systemssuch as heat pumps.
She offers around 5000 € for the installation of this equipmentdepending on criteria such as type of heat pump and the energy savings carried out. This premium is accessible to all households, no means test, and can be combined with other grants and loans. To benefit from it, it is necessary to call on a RGE certified professional and to respect the specific conditions and criteria of the program.
Good to know
If your heat pump comes to replace an oil-fired boiler, you can benefit from a bonus on your premium this year. For this, it is sufficient that the work be completed by December 31, 2023 at the latest.
Advantageous loans to finance ecological installation and renovation work
Eco-loan at zero rate (eco-PTZ)
The zero rate eco-loan is a financial aid set up by the State to encourage energy renovation work. It allows to finance the purchase and installation of a heat pump without paying interest. In this case, the loan amount can reach 30,000 euros and must be repaid over a maximum period of 15 years.
It should be noted that only dwellings built before January 1, 1990 are eligible for this loan. For benefit from the eco-PTZit is also necessary to use a professional EGR. This aid is available to all owners, whether they occupy their main residence or rent it out.
Subsidized zero interest loan
Some banks offer subsidized zero interest loans specifically dedicated to energy saving work, including the purchase and installation of a heat pump. These loans offer advantageous conditions:
a reduced interest rate
reduced or zero application fees
a flexible repayment term.
Interested owners can inquire with their bank to find out the terms and conditions of this type of loan.
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