Financing your energy renovation work

Every winter, many individuals make the same observation: their homes are difficult to heat and gas and electricity bills are constantly rising. Hundreds of thousands of homes in France need energy renovation works, but these changes are expensive. It exists in aid as well as credit works to finance the energy renovation of its housing.

A necessary energy renovation

A necessary energy renovation

Energy renovation work in a dwelling improves building insulation, the primary source of heat loss. Better insulation keeps the house cool and damp in the winter and keeps the summer cool. Thus, the energy renovation offers a real comfort to the inhabitants of the housing. This investment then makes it possible to lower the gas and electricity bills. A well insulated house is less energy expenditure!

These renovations are encouraged by the state also for their positive impact on the environment. Finally, an individual who wants to sell his house will get a much higher price if energy renovation work has been completed and are found in the energy performance diagnosis (EPD).

Energy renovation: what work to do?

Energy renovation: what work to do?

To improve the energy balance of a home, several types of renovation work can be done:

  • insulation work to limit energy expenditure;
  • the installation of an air-to-air heat pump;
  • the installation of photovoltaic panels to produce electricity (and other renewable energy equipment);
  • the installation of appliances for the individualization of heating or hot water costs in co-ownership.

Finance the energy renovation of your home

Finance the energy renovation of your home

If their need is not in doubt, the cost of energy renovation works is often a drag. The State encourages this approach through the energy transition tax credit, while the ADEME and the local authorities offer assistance:

  • VAT at 5.5%;
  • eco-loan at zero rate;
  • energy check;
  • property tax exemption;

An individual may also use the work credit to finance energy renovation works. This consumer loan allows him to carry out the desired work by spreading repayments over time. To know its investment possibilities, it is possible to perform an online simulation of loan work.