Non-interest bearing advance transfer loan

To qualify for the loan, the work done in your home must improve its overall energy performance.

You must first have an energy audit carried out by a recognized environmental professional (RGE).

The work undertaken as a result of this energy audit must enable your home to achieve the following objectives:

• A conventional annual consumption of less than 331 kWh/m² of primary energy after work on heating, cooling and hot water production uses
• An energy gain of at least 35% compared with the annual conventional consumption of primary energy before works for heating, cooling and hot water.

To define the most useful and cost-effective work, it is recommended hire a habitat renovation consultant to:

This service is free.

You must comply with conditions relating to your housing and income.

Housing-related conditions

To qualify for the loan, you must be owner-occupier of a built dwelling more than 2 years ago on the date of commencement of the work on which the loan is to be made.

The work must be carried out in a dwelling in use of principal residence located in metropolitan France. If the dwelling is not yet in such use, you must commit to actually using the dwelling as your principal residence within 6 months of receipt of the invoices to the institution or business financing your loan.

Income-related conditions

The loan is granted means-tested.

Your income and that of all the people who occupy the dwelling are taken into account.

The revenues retained are reference tax revenue (RFR) the year N-1 (2023 for applications made in 2024) preceding the date of issuance of the loan offer. This income is based on the Income Tax Notice or Income Tax Status Notice if you are tax-free.

If these documents are not available at the time of the loan application, the year N-2 (2022 for applications made in 2024) is selected.

To find out the scales for the resources very modest and modest, the following information should be consulted depending on whether the property is located outside Île-de-France or in Île-de-France.

Very modest income

Modest income

The funding ceiling is €50,000.

Some work-related expenditure may be included in the amount lent within the limit of the financing ceiling. These expenses are as follows:

• Cost of supply and installation of equipment, products and works necessary for carrying out energy-saving work
• Cost of disposal and landfill of existing works, products and equipment
• Cost of the necessary works, inextricably linked to the proper execution or completion of the works to improve the energy performance of the dwelling or to achieve an overall energy performance
• Implementation costs or other technical studies necessary for carrying out the work
• Any insurance costs of the contracting authority you have incurred
• Notarial Fees
• Registration Fees for the mortgage.

The amount of the loan requested must be filled in on the form Borrower when you apply.

The work must be carried out by a company Recognized Guarantor of the Environment (RGE) and holder of the certifications corresponding to the work undertaken.

These companies are listed in a directory:

Search for a company with the quality "Recognized Guarantor of the Environment"

The loan is offered by credit institutions, financing businesses and third-party financing businesses that have signed an agreement with the government.

The list of establishments and businesses is available currently affected by the scheme.

Once the jobs are defined and the EGR company is found, you must file your loan application with a credit institution or financing business or a third-party financing business.

This file consists of the following documents:

• 2 forms to fill in (forms Borrower and Company completed)
• Description of the work to be carried out, showing in particular the estimated amount of eligible work and any associated expenditure
• Detailed specifications of the work to be carried out
• Energy audit
• Proof of occupancy of the dwelling as a principal residence if available (it must be submitted no later than 6 months after the submission of invoices to the establishment or business financing the loan)
• Last available tax notice with reference to the tax household reference income or income tax status report (if you are not taxable)
• Document certifying the amount of the fees related to the registration of the mortgage and notarized fees.

Non-interest bearing advance loan: Borrower form

Non-interest bearing advance loan: Company Global energy performance

Your file will then be reviewed by the credit institution, financing business or third-party financing business that funds the loan.

The institution or business will decide, as with any loan request, to lend you the amount requested based on your prior indebtedness and the value of the housing on which the mortgage is to be taken.

It is the institution or business that estimates the value of your home.

It is possible accumulate the loan with the zero-interest eco-loan (eco-PTZ) provided that they finance different work stations.

It is also possible to benefit from MaPrimeRénov' for accompanying route aids. L'Anah: titleContent may decide to grant you an advance payment corresponding to 70% help if your income matches the resource categories very modest or modest.

For the first 10 years, the loan is transferred without interest, and the State pays the interest during that period.

Thus, in the case of change (sale or succession) of the dwelling during these 10 years, no interest is to be repaid.

Until the loan bears interest, your home cannot be converted into commercial or professional premises, put into leasing or used as secondary residence.

Failure to comply with those obligations shall result in the reimbursement to the State of the interest which it has assumed. Therefore, if any of these situations occur, you must report, without delay, the credit institution, financing business or third-party financing business financing the loan.

The change of the nature of work, of their upright or thecompany mandated, requires you to provide new forms Borrower and Company corresponding to the changes.

The work must be carried out in its entirety in a three-year period from the date of issue of the loan offer.

However, a request for an extension of this period may be made. This request must be made not later than 3 months before the expiry of the three-year period in any of the following cases:

• Force majeure
• Illness or accident resulting in temporary incapacity for work of at least 3 months
• Contentious procedure related to the implementation of the operation
• Recognition of a natural or technological disaster.

You must provide the credit institution, financing business or third-party financing business with all the elements justifying that the work has been carried out in the three years from the date of issue of the loan offer.

This period does not have to be respectedin any of the following cases:

• Death of the borrower
• Health accident involving temporary interruption of work of at least 3 months
• Recognition of a natural or technological disaster
• Force majeure
• Contentious challenge to the operation.

The lending institution may decide to disburse the loan in one or several times on the basis of the detailed description and specifications of the work to be carried out.

It may also decide to pay the loan on the basis of the completed works invoices (i.e. at the end of the works) which you have sent at any time before the loan closing date.

If the institution withholds the loan payment after the work is completed, you will need to move forwardthe costs to make them happen.

Payment on invoices may lead the establishment to grant you an amount greater than the amount initially provided for in the description and the specifications, within the limits of the authorized ceilings.

Repayment of the loan is due at the time of sale of the dwelling or at the time of payment of your succession.

To qualify for the loan, you must demonstrate that your non-communal sanitation system needs to be rehabilitated.

To do this, you must approach your municipality's public non-collective sanitation service (SPANC) to request a certificate establishing the need to carry out work on your facility.

The contact details of the SPANC are available in town hall.

The new non-communal sanitation system shall not consume energy. It must comply with specific technical requirements.

You must comply with conditions relating to your housing and income.

Housing-related conditions

To qualify for the loan, you must be owner-occupier of a built dwelling more than 2 years ago on the date of commencement of the work on which the loan is to be made.

The work must be carried out in a dwelling in use of principal residence located in metropolitan France. If the dwelling is not yet in such use, you must commit to actually using the dwelling as your principal residence within 6 months of receipt of the invoices to the institution or business financing your loan.

Income-related conditions

The loan is granted means-tested.

Your income and that of all the people who occupy the dwelling are taken into account.

The revenues retained are reference tax revenue (RFR) the year N-1 (2023 for applications made in 2024) preceding the date of issuance of the loan offer. This income is based on the Income Tax Notice or Income Tax Status Notice if you are tax-free.

If these documents are not available at the time of the loan application, the year N-2 (2022 for applications made in 2024) is selected.

To find out the scales for the resources very modest and modest, the following information should be consulted depending on whether the property is located outside Île-de-France or in Île-de-France.

Very modest income

Modest income

The funding ceiling is €10,000.

Some work-related expenditure may be included in the amount lent, within the limit of the financing ceiling. These expenses are as follows:

• Cost of supply and installation of equipment, products and works necessary for carrying out energy-saving work
• Cost of disposal and landfill of existing works, products and equipment
• Cost of the necessary works, inextricably linked to the proper execution or completion of the works to improve the energy performance of the dwelling or to achieve an overall energy performance
• Implementation costs or other technical studies necessary for carrying out the work
• Any insurance costs of the contracting authority you have incurred
• Notarial Fees
• Registration Fees for the mortgage.

The amount of the loan must be filled in on the form Borrower when you apply.

The use of a company holding an EGR quality sign is optional for work on the rehabilitation of non-communal sewerage systems by non-energy consuming devices.

The loan is offered by credit institutions, financing businesses and third-party financing businesses that have signed an agreement with the government.

The list of establishments and businesses is available currently affected by the scheme.

Once the jobs are defined and the EGR company is found, you must file your loan application with a credit institution or financing business or a third-party financing business.

This file consists of the following documents:

• 2 forms to fill in (forms Borrower and Company completed)
• Description of the work to be carried out, showing in particular the estimated amount of eligible work and any associated expenditure
• Detailed specifications of the work to be carried out
• Certificate of inspection of the public non-collective sanitation service (SPANC)
• Proof of occupancy of the dwelling as a principal residence if available (it must be submitted no later than 6 months after the submission of invoices to the establishment or business financing the loan)
• Last available tax notice with reference to the tax household reference income or income tax status report (if you are not taxable)
• Document certifying the amount of the fees related to the registration of the mortgage and notarized fees.

Non-interest bearing advance loan: Borrower form

Non-interest bearing advance loan: Company form (all works except works improving the overall energy performance of the dwelling)

Your file will then be reviewed by the credit institution, financing business or third-party financing business that funds the loan.

The institution or business will decide, as with any loan request, to lend you the amount requested based on your previous indebtedness and the value of the property on which the mortgage is to be taken.

It is the institution or business that estimates the value of your home.

It is possible accumulate the loan with the zero-interest eco-loan (eco-PTZ) provided that they finance different work stations.

It is also possible to benefit from MaPrimeRénov' for accompanying route aids. L'Anah: titleContent may decide to grant you an advance payment corresponding to 70% help if your income matches the resource categories very modest or modest.

For the first 10 years, the loan is transferred without interest, and the State pays the interest during that period.

Thus, in the case of change (sale or succession) of the dwelling during these 10 years, no interest is to be repaid.

Until the loan bears interest, your home cannot be converted into commercial or professional premises, put into leasing or used as secondary residence.

Failure to comply with those obligations shall result in the reimbursement to the State of the interest which it has assumed. Therefore, if any of these situations occur, you must report, without delay, the credit institution, financing business or third-party financing business financing the loan.

The change of the nature of work, of their upright or thecompany mandated, requires you to provide new forms Borrower and Company corresponding to the changes.

The work must be carried out in its entirety in a three-year period from the date of issue of the loan offer.

However, a request for an extension of this period may be made. This request must be made not later than 3 months before the expiry of the three-year period in any of the following cases:

• Force majeure
• Illness or accident resulting in temporary incapacity for work of at least 3 months
• Contentious procedure related to the implementation of the operation
• Recognition of a natural or technological disaster.

You must provide the credit institution, financing business or third-party financing business with all the elements justifying that the work has been carried out in the three years from the date of issue of the loan offer.

This period does not have to be respected in any of the following cases:

• Death of the borrower
• Health accident involving temporary interruption of work of at least 3 months
• Recognition of a natural or technological disaster
• Force majeure
• Contentious challenge to the operation.

The lending institution (or the business) may decide to pay the loan in one or several times on the basis of the detailed description and specifications of the work to be carried out.

It may also decide to pay the loan on the basis of the completed works invoices (i.e. at the end of the works) which you have sent at any time before the loan closing date.

If the institution withholds the loan payment after the work is completed, you will need to move forwardthe costs to make them happen.

Payment on invoices may lead the establishment to grant you an amount greater than the amount initially provided for in the description and the specifications, within the limits of the authorized ceilings.

Repayment of the loan is due at the time of sale of the dwelling or at the time of payment of your succession.