Now it’s easy to combine eco-PTZ and MaPrimeRénov

While the battle against thermal sieves is in full swing, many homeowners are undertaking work, sometimes considerable, to restore an old house that has been neglected for too long or a dilapidated residence obtained by inheritance.

To finance these very expensive projects, families can fortunately count on public aid, headed by MaPrimeRénov, or advantageous bank loans, and in particular the zero-interest eco-loan. Even better, they can combine these two devices!

A scalable envelope

The interest-free eco-loan, known as eco-PTZ, is an interest-free loan granted for up to 15 years (or even 20 years in some cases) from partner banks. It is open to all owners, occupiers or lessors, regardless of their income. This credit can be requested to finance energy renovation works when the accommodation has been completed for more than 2 years and it is your main residence or you intend to rent it as such. The amount granted depends on the type of work carried out, knowing that the intervention of a professional RGE (recognized guarantor of the environment) is mandatory in all cases.

The zero-interest eco-loan can be requested to finance energy requalification works – iStock

Thus, you can borrow up to €7,000 to replace your windows and doors and up to €15,000 to carry out insulation work (roof, external walls, doors, lowered floor) or to replace a heating system or domestic hot water production with a more efficient device or using renewable energy.

Furthermore, the endowment can reach €25,000 if you have two works built from this list of eligible actions and €30,000 if you make three or more. And from 1 January 2022 the aid has even increased from 30,000 to 50,000 euros for works that bring a minimum energy gain of 35% and allow a home to be freed from the energy sieve state.

First the aid, then the loan

MaPrimeRénov beneficiaries can request the granting of an eco-PTZ thanks to a simplified procedure from 1 July 2022
MaPrimeRénov beneficiaries can request an eco-PTZ thanks to a simplified procedure from 1 July 2022 – iStock

If the eco-PTZ allows you to obtain a substantial sum to finance your work, it is still a loan that will have to be repaid. To limit the amount it is therefore appropriate to request all the public aid that can be requested. In fact, this system can be combined with energy saving certificates issued by suppliers (rewards or vouchers), subsidies from Anah and local authorities or even her cousin, the zero-interest mortgage for home ownership.

As for the beneficiaries of MaPrimeRénov, they can apply for the granting of an eco-PTZ thanks to a simplified procedure from July 1, 2022, in order to be able to pay the remainder to be paid. It is therefore a new category of eligible sites in addition to the scenarios already presented.

In this context, the loan application must be submitted at the latest within 6 months of the agreement of the National Housing Agency (Anah) for the assignment of MaPrimeRénov. And while it is usually necessary to provide the bank with a detailed description and an estimate of the work expected to obtain the echo-PTZ, a copy of Anah’s decision is here sufficient to constitute the file! Work can already be started. As a result, you can borrow up to €30,000 interest-free. An additional reception facility for all those who are thinking of embarking on an energy requalification process.

Where to turn?

The zero-interest eco-loan is disbursed only by authorized banks. However, this actually applies to most mainstream establishments. This is particularly the case of the BPCE group which brings together, among others, Banques Populaires and Caisses d’Épargne, but also BNP Paribas, Crédit Agricole, Crédit Mutuel, CIC, Société Générale, Crédit du Nord, Banque Postale and Axa Banque.

The list of all affiliated credit institutions is available online at 2.sgfgas.fr.

On the other hand, to obtain support for your renovation project, you can contact a France Rénov consultant on 0 808 800 700 (free number) or inquire on France-renov.gouv.fr.

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