What grants are available to encourage the thermal renovation of buildings?

Faced with the ecological emergency and to reduce their heating bills, many people are considering improving the energy efficiency of their homes. In France, various subsidies have been introduced to finance thermal renovation work. In this article, we present an overview of the various grants available. These grants promise to contribute to work aimed at reducing energy consumption and promoting general household renovation.

Financial assistance for energy renovation

Let’s take a look at the main financial incentives for energy-efficient building renovation. They aim to contribute to the smooth running of households.

Here’s a list of benefits promoting good energy management:

MaPrimeRénov’

MaPrimeRénov’ is an initiative designed to provide financial support for work to improve the energy performance of buildings. To be eligible, the work must generate energy savings of at least 35%.

The terms and conditions of MaPrimeRénov’ have been updated. Previously, other schemes such as CITE were in force, but these have now been integrated and replaced by MaPrimeRénov’. All homeowners, whether they occupy or rent their property, can apply for this grant.

Aides de l’agence nationale de l’habitat

The Agence nationale de l’habitat (Anah) offers subsidies for energy-efficient building renovation. These subsidies are aimed at replacing heating systems, optimizing insulation and improving ventilation.

MaPrimeRénov’ is one of the grants offered by Anah to support renovation work. The amount awarded varies according to the applicant’s income and the estimated cost of the work. Potential beneficiaries of these grants include owners who live in their property, those who rent out their property, and co-ownership associations. Other means of support are available, such as Energy Savings Certificate (CEE) premiums, zero-rate eco-loans and energy cheques.

Energy saving certificates

Energy saving certificates, offered by energy suppliers, provide financial leverage to support initiatives to reduce energy consumption. Whether you’re a homeowner or a tenant, everyone is eligible for these incentives.

The amount allocated varies according to the individual’s income and the ecological impact of the planned works. For the most modest, these certificates can even cover a significant proportion, if not all, of the costs incurred. This makes them an ideal tool for financing the switch to more environmentally-friendly energy solutions.

Zero interest eco-loan

The zero-rate eco-loan (éco-PTZ) is an essential financial tool for households. Offered by selected banks, this interest-free loan makes it easier to carry out eco-renovation work.

With a bonus of up to 30,000 euros, the eco-PTZ covers projects such as thermal insulation of your infrastructure. Thanks to this tool, you can green your home while benefiting from advantageous, interest-free financing.

Premiums for energy demand management

Energy suppliers offer financial incentives to help reduce energy demand. These incentives can be combined with other assistance schemes, such as MaPrimeRénov’. However, eligibility criteria may differ from one supplier to another. It is therefore essential to contact your energy supplier to find out how you can qualify.

Other grants to encourage thermal renovation

In addition to major financial assistance, various incentives have been introduced to encourage thermal renovation work.

These include :

• Reduced-rate VAT.
  
• Eco-Loan for social housing.
  
• The shared cost savings scheme.
  
• Denormandie.
  
• Exemption from property tax.
  

This additional financial support makes a significant contribution to the collective effort to improve energy efficiency. If you’d like to benefit from personalized expertise and tailor-made support, don’t hesitate to visit monga.io. At Monga, you’ll benefit from a reliable guide to navigating the complex world of subsidies.

Reduced-rate VAT

Reduced-rate VAT provides significant financial leverage for renovation work. Depending on the nature of the work, this rate can be 10% or even reduced to 5.5%. The 5.5% rate applies to energy improvements. Thermal insulation work in particular is eligible for this preferential rate.

What’s more, if the renovations are undertaken to alleviate a loss of autonomy, they are also eligible for this reduction. Reduced-rate VAT, combined with other renovation grants, considerably reduces the overall cost.

It is applied directly to the estimate provided by the company in charge of the work, resulting in immediate savings.

Social housing eco-loan

The Éco-Prêt logement social is designed to support the renovation of buildings with high thermal consumption.

Co-ownerships can also benefit from financial assistance, particularly through schemes such as MaPrimeRénov’. This financial support, often managed via a condominium management software program, helps to finance low-energy renovation work…

Financed projects can include upgrading heating systems, improving insulation or optimizing building ventilation.

Sharing expense savings

The “shared cost savings” scheme is proving to be an effective lever for energy renovation. When the landlord undertakes work to reduce energy consumption, the tenant agrees to pay back a fraction of the savings generated.

It’s a winning strategy for the homeowner, enabling him or her to finance part of the work, while optimizing the property’s energy performance. In this way, the collaboration benefits all parties involved.

Exemption from property tax

You can save on property taxes by carrying out thermal renovation work. This work must include the purchase of thermal insulation materials or heating control equipment.

If your city agrees, your primary or secondary home, or your rental property, can benefit.

However, each city has its own rules. So it’s important to check what the criteria are for your locality. To apply for this tax reduction, you’ll need to fill in a special form once the energy-saving work has been carried out.

Denormandie scheme

The “Denormandie” scheme is a good option for you if you want to invest in an old residence to rent out. The aim of this scheme is to encourage energy-efficient home renovation.

You can benefit from a reduced VAT rate of 10% or even 5.5% for thermal improvement work. You can also benefit from this tax assistance if you are making a rental investment.

A wide range of bonuses

The energy transition is underway, and energy renovation grants are proof of this. Individuals, whatever their income, are now eligible for grants such as the Prime Energie for their renovation projects. Landlords and low-income households are not left out, with special packages designed for them.