Whether it's for an investment property or the acquisition of a primary residence, renovation is often necessary in an older property. Additionally, with the new energy performance standards, property owners will sooner or later be required to undertake renovations. Indeed, depending on the Energy Performance Diagnosis (EPD), poorly classified residences will soon be prohibited from being rented out. However, it is important to carry out the work without depleting all your savings. In this regard, there are several renovation grants dedicated exclusively to older homes. This allows you to offset the often expensive renovation costs.
MaPrimeRenov' aid
MaPrimeRenov' aid allows homeowners to finance renovations. Reserved for improving the energy performance of a dwelling, it ensures a considerable reduction in costs.
Eligibility conditions for MaPrimeRenov' aid
Since 2021, MaPrimeRenov' has become accessible to owner-occupiers, landlords, as well as condominium associations. Under this condition, they can carry out energy-related renovations in a dwelling occupied as a primary residence.
Regarding the applicant
Since the creation of MaPrimeRenov' aid, grants were reserved for homes completed at least 2 years ago. However, this duration has changed since the beginning of 2022. Currently, the aid only considers residences completed more than 15 years ago. Therefore, MaPrimeRenov' has become an aid for older homes.
It is important to note, however, that there is an exception regarding this renovation aid. This concerns work related to the replacement of an oil-fired boiler and the removal of a tank. Indeed, for this type of renovation, homeowners can benefit from the aid regardless of the age of the property.
Note that the minimum duration of occupancy of the dwelling has also changed during 2022. Thus, a house or an apartment located in France must be occupied as a primary residence for 8 months. Previously, the duration was 6 months before being able to apply for aid to benefit from MaPrimeRenov'. In this regard, the owner must commit to occupying the dwelling for a period of one year from the aid application. As for landlords, they must rent out the house or apartment as a primary residence for at least 5 years.
Works eligible for MaPrimeRenov' aid
As part of a renovation request with MaPrimeRenov', several works can be carried out. Among them, it is possible to carry out all works related to insulation. In this regard, upgrading walls, floors, attics, and windows are all eligible for this aid. MaPrimeRenov' also allows for the improvement of the heating system and conducting an energy audit of a property.
In general, the condition to benefit from this aid from ANAH is simple. The energy renovations you wish to undertake must be carried out by an RGE-certified company (Recognized Environmental Guarantor).
The amount of aid granted by MaPrimeRenov'
Regarding the amount of MaPrimeRenov', household incomes are taken into account. Thus, the amount of aid you will receive will depend on the income bracket you have been assigned as well as the nature of the work undertaken. Note that the grant is paid within four months following the completion of renovations.
The procedure to follow to obtain MaPrimeRenov' aid
As for the procedure, applying for MaPrimeRenov' aid is done on the France Renov' platform. To ensure receipt of the grant, it is necessary to follow a few steps. You must have an unsigned quote from an RGE-certified company or professional. With the quote in hand, you can make a request through the France Renov' portal. Once the request is accepted, you can sign the quote and proceed with the energy renovations. However, it is necessary to send back the invoice with the bank details to receive the grant via bank transfer.
The Energy Saving Certificate (ESC) or Energy Efficiency Certificate
The Energy Saving Certificate (ESC), also known as Energy Efficiency Certificate, is an assistance provided to homeowners looking to carry out energy-efficient renovations. It can be used for renovating older homes and is primarily granted by energy providers.
Eligibility criteria for ESC assistance
The Energy Efficiency Certificate is an aid that allows homeowners to undertake energy-efficient renovations at lower costs. Moreover, it is a grant accessible to all French citizens without any income conditions. Thus, all households have the opportunity to carry out energy renovations with this assistance.
However, it is important to specify that the works must exclusively be carried out by an RGE-certified company or professional. Therefore, if you undertake the works yourself or decide to hire a non-RGE artisan, you will not be eligible for the grant.
Works eligible for ESC
Regarding the works, not all energy-related renovations are eligible for the ESC. Indeed, only works that significantly improve energy performance are covered by it. Thus, there are three categories of works covered: envelope, equipment, and thermal works.
Envelope aids
As for envelope-related works, these are renovations aimed at better insulating your home. Thus, for this category of ESC assistance, eligible renovations include:
- Thermal insulation of attics and roofs,
- Insulating walls,
- Insulation of terrace roofs,
- Floor insulation,
- Insulation of openings and windows of the dwelling.
It is important to note that the amount of the grant is determined by the energy provider. Furthermore, the provider is not obligated to offer offers covering all of these works.
Equipment grants
Regarding equipment, this involves installing one or more high-performance appliances in the home. Indeed, there are energy providers who offer assistance for replacing energy-consuming equipment. This may include washing machines, refrigerators, or light bulbs. It is important to note that the changes must be made in favor of A-rated energy-efficient equipment.
Thermal grants
The thermal renovations eligible for ESC concern improvement or replacement works for a more ecological heating system. The eligible works include :
- Installation of a solar water heater,
- Heat pumps,
- High-efficiency boilers,
- Biomass heating installation,
- Improvement of thermal regulation systems,
- Installation of thermostatic valves.
Similarly to works on the envelope, the energy provider freely determines the subsidies granted.
The procedure to obtain the ESC assistance
When it comes to the procedure for obtaining ESC assistance, the process varies depending on the energy provider. Therefore, it is important to inquire and compare.
To benefit from ESC assistance, you must choose the offer and accept it from your energy provider. You must then sign the quote provided by an RGE-certified professional. Subsequently, you must submit the file containing all the necessary documents within a timeframe set by the energy provider. You will then receive the assistance either by bank transfer, by check, by voucher, or by deduction on your invoice. It is worth noting that the method of payment depends on the company.
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The PTZ or Zero-Interest Eco-Loan
Granted under income conditions, the zero-interest loan is a program applicable to an existing house or apartment. It is a loan established by the government to assist low-income households in carrying out energy renovations.
Conditions for Obtaining the PTZ
With a zero percent interest rate, the PTZ is an initiative aimed at supporting individuals undertaking energy renovations. However, to benefit from this program, certain conditions must be met.
The eco-PTZ is primarily intended for homeowners. It is important to note that the house or apartment in question must be occupied as the primary residence within 6 months after the work is completed. Regarding the property, it must be a dwelling completed more than two years ago. Thus, this program is particularly suitable for renovations in older properties.
Works Eligible for PTZ
To obtain a loan with zero interest, specific works must be carried out. Thus, the renovation of your house or apartment must fall into one of the following categories :
- Works related to roof, wall, and floor insulation ;
- Installation of double-glazed windows ;
- Replacement of the heating system with one using a renewable energy source ;
- Replacement of the water heater with equipment using a renewable energy source.
Procedure to Benefit from PTZ
To obtain a loan with the eco-PTZ program, the process involves three mandatory steps. You must first assemble your loan file by completing a form with your bank. You must then await approval from the bank based on your solvency. Once your request is accepted, the works specified in the contract must be completed within a period of 3 years. It is important to note that the amount of the eco-zero interest loan depends on the expense items. Therefore, it is necessary to provide proof of work upon completion of the renovations.
