REMOVATION REMOVAL REPORT (per+): Conditions, work and amount

The loan is advancing renovation by+, also called a change in mutation, is aimed at owners wishing to improve the energy performance of their main residence. This mortgage loan finances different types of work (insulation of the roof, change of the heating system …). What are the conditions to benefit from it? How to get this funding? How does the loan work? The point on these questions.

Capital video: Profit renovation loan (by+): Conditions, work and amount

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What does the loan are advancing renovation?

The loan is advancing renovation that does not have an interest (by+), also called a change of mutation, is a mortgage at zero rate. Allocated under resource condition, it allows owners to finance energy renovation work in their main residence, in order to improve its energy performance. The par+ is accessible to co -owners insofar as it is work concerning their private parts.

How does the renovation loan work?

A mortgage loan granted by a credit institution

This mortgage is based on the guarantee of a mortgage carried out on the value of the accommodation to be renovated. It can be granted by a credit institution, a financing or third-party funding company having signed an agreement with the State.

Interests covered by the state

The state covers, during the first ten years, the interests of the loan. Then, the owner of the accommodation must settle interest at the rate fixed freely by the lending establishment at the time of the subscription of the loan contract. Refund of the loan cannot be required before the sale of the main residence or the settlement of the succession.

What are the conditions for this loan for energy renovation work in 2025?

Condition concerning housing

The loan advances renovation more is subject to strict conditions. Only the main residences, completed for at least two years on the date of the start of the work, are concerned. The borrower must also occupy him as a main residence in mainland France.

Resource condition

The households who live there must be able to be referenced as “modest” or “very modest” according to the scale of the ANAH – National Habitat Agency – according to the number of additional people per household. The income taken into account are those of year N-1, preceding the date of issue of the loan offer. For a request made in 2025, it is therefore the income of 2024.

Very modest and modest income ceilings 2025 in and outside Île-de-France

Here are the ceilings in force very modest income for a loan request made in 2025:

Here are the ceilings in force of the modest income for a request made in 2025:

Conditions related to works

Finally, there are conditions relating to the work and choice of the company that will carry out them: it must be provided with the RGE label, recognized as a guarantor of the environment. There is a Directory of qualified craftsmen to find a RGE guaranteed company. In addition, the work must be finished in full within three years as soon as the loan is allocated.

>> Our service – Energy renovation: Calculate the amount of your aid (Maprimerenov ‘, CEE …) and find the right craftsman for your work

What work is eligible for the Mutation advance loan?

The work that can be financed with the loan advance renovation that does not have interest are those aimed at improving the energy performance of housing. They are divided into three categories: punctual, global renovation or sanitation.

Punctual renovation

The following work is eligible as part of a punctual renovation:

• Thermal insulation of walls, roofs and glass walls, doors opening on the outside
• Installation, regulation and replacement of heating and domestic water production systems
• Low floors insulation
• The installation, regulation or replacement of heating systems possibly associated with economic and efficient ventilation systems, or production of high -performance domestic water
• The installation of heating equipment using a renewable energy source
• The installation of domestic hot water production equipment using a renewable energy source.

Global renovation

As part of a global renovation, the owner must first carry out an energy audit with a RGE professional. The work undertaken as a result of the audit must allow:

• An annual conventional consumption in primary energy less than 331 kWh/m² after work, including the uses linked to heating, cooling and hot water production.
• An energy gain of at least 35 % compared to the prime annual consumption in primary energy before work, for the same uses: heating, cooling and hot water production.

It is advisable to be supported free of charge by a advisor specializing in housing renovation work (France Rénov ‘).

Sanitation

The loan can be granted provided that its non -collective sanitation system must be rehabilitated. To do this, it is advisable to call on the public sanitation service (SPANC) of his town. The new system should not consume energy and complies with certain technical prescriptions determined by the decree of September 7, 2009.

What is the ceiling for financing the work on par+ in 2025?

Amounts of the ceilings according to the nature of the work

The loan funding ceiling is advancing renovation (by+) depends on the number of workstations intended to be funded:

• 7,000 euros maximum for a work on the glass walls
• 15,000 euros maximum for a work action of another nature (excluding glass walls)
• 25,000 euros maximum for a bouquet of two work stations
• 30,000 euros maximum for a bouquet of three work stations or more.

Other expenses included in the loan

Other expenses can be included in the loan:

• Cost of the supply and installation of equipment
• Cost of removal and discharge of existing works, products and equipment
• Cost of the necessary work, inseparably linked to the proper execution or the proper realization of the work to improve energy performance
• Prime contractor or other technical studies necessary to carry out the work
• Official contracting authorities possibly subscribed
• Notarial fees
• Costs related to the registration of the mortgage

>> Our service – estimate the price of real estate (immediate, free and without obligation)

What banks offer the loan advance renovation?

The Mutation Loan is granted by a credit institution, a financing company or a third-party company having signed an agreement with the State. Several banks also offer it. Among them, we identify Banque Populaire, Crédit Mutuel, Postale, CIC …

How to apply for a mutation advance loan?

After defining the work and found a RGE company, a file should be submitted in one of the banks providing credit. He must contain the following documents:

• Completed borrower and company forms
• Description of the work to be carried out with the forecast amount of eligible work and any associated expenses
• Detailed quote from the work to be carried out
• Proof of the occupation of the accommodation as a main residence if available (it must be given at the latest six months after the delivery of invoices to the establishment or the company which finances the loan)
• Last available tax notice mentioning the tax reference tax income of the tax household or reporting report reporting to income tax
• Document attesting to the amount of costs related to the registration of the mortgage and notarial costs.

The banking establishment then decides whether or not to grant the loan.

What are the rates of this work loan?

The loan advances renovation plus (per +) is a zero rate loan for the first ten years. The rate negotiated with the bank then applies for the remaining duration of the loan. It therefore varies according to the establishment chosen.

What are the reimbursement conditions for the loan of renovation that does not have an interest (by+)?

The reimbursement of the loan advances renovation having no interest (by+) only occurs at the time of the transfer of the property, that is to say during the sale of the apartment or the house or the regulations of the succession of the borrower. An early reimbursement may be required if the accommodation is transformed into a commercial premises, for seasonal rentals or used as a second home during the lending period. The borrower must then fully reimburse the loan.