Caf Habitat Improvement Loans
Verified 07 March 2022 - Directorate for Legal and Administrative Information (Prime Minister)
Your Family Allowance Fund (FAC) can give you a habitat improvement loan to carry out work (renovation, insulation...) in your principal residence. This loan is also granted if you are a maternal assistant (nursery assistant) and you are caring for children at home. The loan applies to both landlords and tenants. It is refundable for up to 10 years depending on the case.
General case
The habitat improvement loan is used to finance renovation or thermal insulation work.
This loan can be granted to you whether you own or rent your principal residence.
It is paid by your Caf: titleContent.
Its interest rate is 1% .
To qualify for the loan, you must meet the following 2 conditions:
- To be a beneficiary of a family benefit
- Reside in Metropolitan France or in Guadeloupe, French Guiana, Martinique or Reunion
Warning
the loan is not paid to Mayotte.
There are no resource conditions. However, because loans are limited, your resources can be used to prioritize applicants.
You must complete a form to apply for a loan:
Loan application to the Caf for habitat improvement work
This form must be accompanied by the following documents:
- Detailed work specifications if you have a company perform the work, or material specifications if you perform the work yourself
- City planning Authorization if your work is subject to authorization by the city council
- Written permission from your landlord if you are a tenant
This form and documents should preferably be sent to your Caf by registered letter with notice of receipt.
Loan can reach 80% of the amount of your expenses up to €1,067.14.
The 1re half of the loan is paid on signature of the loan contract on presentation of a quote.
The secondnde half of the loan shall be disbursed within one month of completion of the work on presentation of the invoices.
You have Maximum 3 years to repay the loan.
Repayment of the loan is required from 6eme month following its assignment.
Each monthly reimbursement is increased (increased) by 1% for interest on loans.
Maternity Assistant (Maternity Assistant)
The habitat improvement loan is used to finance renovations or thermal insulation to improve the reception area, the health or safety of the children you keep in your home.
This loan can be granted to you whether you own or rent your principal residence.
It is paid by your Caf: titleContent.
This is a zero-interest loan.
FYI
lending can make it easier obtaining, renewing or extending your authorization.
To qualify for the loan, your principal residence must be located in Metropolitan France or in Guadeloupe, French Guiana, Martinique or Reunion.
Warning
the loan is not paid to Mayotte.
There are no resource conditions. However, because loans are limited, your resources can be used to prioritize applicants.
Please note
you do not need to be a recipient of the FCA in order to benefit from it.
You must submit your application on free paper with the following documents:
- Detailed work specifications if you have a company perform the work, or material specifications if you perform the work yourself
- City planning Authorization if your work is subject to authorization by the city council
- Written permission from your landlord if you are a tenant
Your mail and documents should be sent to your Cab preferably by registered mail with notice of receipt.
Loan can reach 80% of the amount of your expenses up to €10,000.
The 1re half of the loan is paid on signature of the loan contract on presentation of a quote.
The secondnde half of the loan shall be disbursed within one month of completion of the work on presentation of the invoices.
You have up to 10 years to repay the loan.
Repayment of the loan is required from 6eme month following its assignment.
FYI
you don't have to pay interest on your loan.