Energy renovation in co-ownership: the precise timetable to receive up to 45% in aid

Who can really benefit from MaPrimeRénov’ Copropriété?

Before even talking about the calendar, you still have to be eligible. The system is strictly regulated. The co-ownership must be registered and up to date in the national register. It must also have been built at least 15 years ago. Another key condition: occupancy. “The co-ownership must be made up of at least 65% main residences for co-ownerships of 20 lots or less, and 75% beyond »specifies Jonathan Huynh. The MaPrimeRénov’ Copropriété aid finances part of the work, with a ceiling of 25,000 euros per accommodation.

The level of subsidy depends on the ambition of the project:

• 30% of the cost of the work for an energy gain of at least 35%
• 45% for a gain of at least 50%

Several bonuses can be added to this. A 10% bonus is granted if the co-ownership exits energy sieve status, that is to say if it goes from an F or G label to at least D after work. So-called “fragile” co-ownerships, characterized by an unpaid rate of at least 8% of the budgetcan benefit from an additional bonus of 20%, subject in particular to obtaining energy savings certificates (EEC).

Individual assistance completes the system: 1,500 euros for low-income households and 3,000 euros for the very modest. An important point: this aid can be combined with individual MaPrimeRénov’ if work is carried out in housing in addition to collective work. The work must concern common areas or elements of collective interest. Finally, one point is essential: “Co-owners must be accompanied by a project management assistant (AMO)”insists Jonathan Huynh.

What is the exact timetable for receiving MaPrimeRénov’ Copropriété without losing the aid?

This is the most sensitive point in a condominium energy renovation project. : respecting the timetable directly conditions access to Anah aid. Each step must follow a specific order, otherwise the project will be delayed or part of the subsidies will be lost.

1- Check eligibility and prepare the project

First essential step: check eligibility for MaPrimeRénov’ Copropriété (age of the building, share of main residences, energy gain of at least 35%). “The trustee must first ensure that the co-ownership meets the criteria before going to the Anah platform to create your account »explains Jonathan Huynh. This phase also includes energy diagnostics and the definition of a coherent work program.

2- Appoint the project management assistant (AMO)

Next comes the designation of the project management assistant (AMO)required to assemble the file. This expert supports the co-ownership on technical, administrative and financial aspects, and prepares in particular the financing plan and requests for aid.

3- Have the work voted on at the general meeting

Third key stage: voting on the work at the general meeting. Compliance with majority rules (simple, absolute or double majority depending on the case) is decisive. An error at this stage can invalidate the project or force a re-vote, several months late.

4- Submit the help file before starting the work

Once the work has been validated, the aid request is submitted by the AMO near Anah. “It is after having received the notification of aid award that the co-ownership can begin its work”recalls the expert. Starting work too early is a common mistake and can result in loss of grants.

5- Receive aid after the work

Finally, last step: payment of aid, which occurs after completion of the workupon presentation of invoices. This delay implies having anticipated the financing of the project, in particular via advances or collective loans.

Why do projects take so long?

Unlike an individual house, a co-ownership involves many players: trustee, union council, AMO, project managers, companies, etc. “There must be good coordination and communication between the trustee, the union council and the project management throughout the project”underlines Jonathan Huynh. Even before the vote, several steps are essential : technical diagnostics, definition of a coherent work program, administrative authorizations, financing plan, etc. Without this preparation, the project can quickly derail.

What errors cause subsidy payments to fail?

This is often where everything plays out. The first error remains the incomplete file. “Aid processing is often delayed by the incompleteness of the application file”explains Jonathan Huynh. Result: additional documents are requested, which extends deadlines. Another trap: a poorly prepared project in advance. “Before the vote on the work, technical, administrative and financial aspects must be secured »he insists. Finally, lack of coordination can slow down the entire project. Poor communication between stakeholders can delay instruction or complicate implementation.

What your trustee should anticipate now

In this type of project, the trustee plays a central role. He must check the eligibility of the co-ownership, structure the calendar, coordinate the various stakeholders and secure the decisions at the general meeting. In fact, this involves anticipating technical diagnoses very early, preparing a coherent work program and build a realistic financing planincluding public aid, collective loans and remaining costs for co-owners.

He must also ensure that the voting rules are respected to avoid any legal blockage, but also organize clear communication with the co-owners, who are often unfamiliar with these procedures. A poorly explained project can easily be rejected or postponed. Finally, putting together the help file is a key step. “The AMO must provide all the elements requested in collaboration with the trustee to guarantee a complete file”concludes Jonathan Huynh. Indispensable vigilance, because the slightest missing piece can delay the instruction… and delay the payment of subsidies.