Do you need to renovate your home? Here are 3 schemes proposed by the State to help you complete their financing.
Eco-loan at zero rate, your credit solution works
You want to do energy renovation work at home and have looked at the work loans side. However, in order to finance these developments, you can also claim eco-loan rate zero (eco-PTZ). It consists of a loan of up to € 30,000. Conditions ? That the dwelling concerned is your principal residence, that it was completed before January 1990, and that you realize works contained in a bouquet defined by the Ministry of the Environment (effective insulation of the roof or the external walls, installation of Renewable energy heating, etc. Take a look at the complete list! Note that this credit work works only with artisans or companies certified RGE (Recognized Guarantor of the Environment).
Tax credit: deduct a portion of the costs of your work!
What if you took advantage of a tax break to help you properly isolate your old energy-consuming walls? This is what ISCED proposes to you, or tax credit for the energy transition. Whether you own or rent, CITE allows you to deduct 30% of the costs of your energy renovation work. An allowance however capped at € 8,000 per person (or € 16,000 for a couple), enough to easily finance a condensing boiler, a new thermal insulation or a brand new heat pump, among the eligible works.
Ask for an Ahn grant
Do you plan to carry out major renovations to improve the energy performance of your home? The Ahn (National Housing Authority) supports you with financial aid that can cover up to 50% of the amount, for a maximum of € 10,000 (€ 25,000 for heavier work). Renovation of the electrical or gas installation, repair of the bathroom, replacement of the roof. The possibilities are numerous, provided not to exceed a certain level of resources, to have a housing of more than 15 years and not having benefited from a PTZ the last five years. If you meet these criteria, you are dressed for the big work at home!
A credit commits you and must be repaid. Check your repayment capacity before you commit.