Energy renovation: 64% of French people are blocked by this major brake

Excluded capital

Excluded capital. For the vast majority of French people, the energy renovation of housing is “the” priority to carry out the country’s ecological transition, according to a survey carried out by the savings bank. Still, you have to be able to overcome the main obstacle to carrying out work …

• 
  

  To safeguard
  

  
  
  

  Saved
  

Since January 1, 2025, the landlords must deal with the prohibition to rent the most energy -consuming accommodation, noted G on the diagnosis of energy performance (DPE). A ban on housing F from 2028 and then to property from 2034. To continue to rent these Thermal TOCKSno other solution than to initiate Energy renovation work In order to improve the DPE note. The French are well aware of it, since they are 92% to judge the energy renovation of priority housing to carry out the ecological transition of the country, even before the adoption of soft mobility, according to a survey carried out by the Savings Fund with a thousand people and published this Wednesday, January 29, exclusively by Capital.

However, many landlord owners prefer Sell ​​their thermal stores Rather than renovating them. The explanation is in six letters: the cost. This is the main obstacle to the realization of energy renovation work, for almost two thirds (64%) of the households questioned by the Savings Fund, far ahead of the implementation complexity (42%), the lack support and advice (35%) and the difficulty of finding craftsmen and other experts (34%). It must be said that the renovation of a G -housing is on average the tidy sum of 40,000 euros, according to the National Federation of Real Estate (FNAIM).

Energy renovation: the Senate increases the Maprimerénov budget by 50 million euros by 50 million euros

Some 50,000 eco-PTZs issued in the first half of 2024

This is why half (49%) of people surveyed by the savings bank want the banks finance more work such as the insulation of the accommodation and the installation of solar panels. “Within the savings bank, we support the financing of the ecological transition as much as possible. In 2024, we financed for more than 425 million euros in energy renovation projects for individuals and distributed more than 15,000 eco-PTZ (eco-loan at zero rate) »details with Capital Jacques-Olivier Hurbal, director of development of the banking network.

For the record, theeco-ptzextended until 2027 and open to everyone without resource condition, makes it possible to finance up to 50,000 euros in work for magnitude renovations, that is to say including several work gestures. In total, French banks issued 52,078 eco-PTZs in the first half of 2024, for a total amount of 740 million euros, according to the latest data from the funding management company and the social accession guarantee to The property (SGFGAS).

Energy renovation: How to benefit from the new zero rate loan?

Partnerships between banks and energy efficiency specialists

The savings bank also launched a ready allowing buyers of thermal colanders to benefit froma rate lower than the market average If they carry out, within 40 months, work improving the DPE note by at least two notches. A credit which is reminiscent of the one launched in 2023 by La Banque Postale. “In addition to this“ impact ”mortgage, which we are deploying in our network, we offer the Renov’Energie loan, which offers delayed allowing the borrower to wait for the first energy savings allowed by the renovation work funded by this credit to start repaying it ”adds Jacques-Olivier Hurbal. The Crédit Mutuel Alliance Federal, it has been offering since mid-2014 to advance the costs of the work before its customers receive the aids to which they can claim.

Jacques-Olivier Hurbal also quotes partnerships Between the savings bank, the Leroy-Merlin DIY brand and the specialist in energy efficiency Cozynergy, which “Testify with our desire to support from start to finish the energy renovation projects of individuals”. BNP Paribas was allied with EDF last year, in order to offer funding at rates between 0% and 2.82%, for amounts up to 75,000 euros.

Thermal coins: the 10 cities where the prohibition of rental of accommodation G is likely to strike the most

Towards the creation of an energy renovation bank?

Admittedly, banks are organized to finance the energy renovation of housing. But there Minister of HousingValérie Létard, told the Senators Amel Gacquerre and Marianne Margaté at the end of 2024 a mission on the creation of an energy renovation bank, in order to finance the rest for the energy renovation work for households, in addition to the offers of Classic banks.