Here are 5 tips to help you renovate your home for less.

Energy repair work is a great alternative to reduce your costs energy and upgrade your home. But it’s not that easy, as this type of project requires a significant investment. Therefore, below are some solutions adapted for each class.

MaPrimeRenov’

MaPrimeRénov, established since 2020, is a government aid for renovation projects. Houses. Thus, he finances everything related to the revision of housing, namely, work on heating, boiler room, ventilation, insulation, energy audit, etc.

MaPrimeRénov’ is open to anyone who owns a house or building that is at least 15 years old. Owners, co-owners, landlords… the premium is for all incomes.

The released fund is a lump sum calculated based on the amount of work, family income and environmental benefits generated by the work.

Serenity MaPrimeRénov

Serenity MaPrimeRénov

MaPrimeRénov’ Sérénité is a subsidy intended only for low-income households. For modest households, it can provide up to €10,500, or 35% of the work. As for very modest households, their cash fund can reach up to 15,000 euros. Please note that the maximum amount of work should not exceed 30,000 euros.

To take advantage of this financial assistance, you must submit an online application on the website of the National Housing Agency (ANAH).

Energy Saving Certificate (CEE)

Energy Saving Certificate (CEE)

This is a kind of energy financial assistance intended for all households, regardless of 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 discount on the estimate.

The amount allocated to CEE varies depending on the income of the household and the number of people living in it. This is from 19,565 euros to 7,613 euros or more.

Therefore, it is important to note that the CEE may be associated with other financial assistance besides MaPrimeRénov’ Sérenité. To receive this subsidy, consider getting an estimated amount for your energy work and simulating surcharges from suppliers in Central and Eastern Europe.

Eco loan at a rate of 0

Eco loan at a rate of 0

This is a free credit that allows you to pay money for your energy renewal work. It is for all owners, including landlords, condominiums and residents, and is available through December 31, 2023. Only eligible accommodations must be in place for more than two years.

As for the loan, the borrowed money is repayable over the next 20 years and is interest-free. If you only need to complete one action, you can receive up to 15,000 euros. For 3 works, the amount you will receive is 25,000 euros. 3 works are equivalent to 30,000 euros. If you plan to improve performance that reaches 35%, you will have a maximum amount of 50,000 euros. Please note that this applies to all works except for the air-to-air heat pump.

Do you want to start? Contact your banker by providing the borrower form, which is a link to the public service website.

Advance loan for repairs

Advance loan for repairs

In a few words, Renovation Advance Loan is a mortgage loan offered by Banque Postale and Crédit Mutuel. Thanks to this, it is possible to carry out work to order. Compared to other types of loans, the borrower pays the amount only in case of inheritance or sale of the house.

If certain risks of loss arise, The state is responsible for their solution, and this is up to 75%.
As for the loan amount, it depends on the value and type of property. Indeed, a house that has undergone an energy renovation will be even more valuable. Due to this increase in the cost, repayment of the loan will be easier.