Le guide du logement

You are here Useful tips | Loans and aid - sustainable development

Loans and aid / Sustainable development

  • Zero interest "Eco loan" from the Ministry of housing
    • Description Who can benefit? Who to contact?
      The "Eco-loan" can be used to finance energy saving home improvements making the home more energy efficient, more comfortable and more environmentally friendly. It can cover costs of up to 30.000 euros. This loan is available to owners, whether thet are occupiers or landlords and is not means tested.
      The property must be a primary residence constructed before  January 1st, 1990      .      		 Ministry of ecology, sustainable development and transport
      click here
  • Sustainable development tax credit
    • Description Who can benefit? Who to contact?
      Until December 31st 2012, you can get tax relief on between 10% and 45% of your spending on "green" home improvements to reduce energy consumption or install a more energy efficient heating system. • You are a tenant, owner or living rent-free in a property that is your primary residence.
      • You own a number of properties (tax credit can be granted for a maximum of 3) that you rent for a period of 5 years.
      • You are a tax resident in France.
      • You are taxable or not.      		 ANIL
      Click here
  • VAT at 7%
    • Description Who can benefit? Who to contact?
      Certain home improvements such as insulation, heating, photovoltaic panels benefit from a reduced rate of VAT. • You are a property owner-occupier or tenant
      • The property was constructed more than 2 years ago.
      • The property is your primary residence

      ADEME
      Click here 

         
  • Bank "Eco-loans"
    • Description Who can benefit? Who to contact?
      These loans are granted by banks to finance improvements to increase energy efficiency in homes. The same conditions as for the tax credit apply, but covers all costs, including installation. Your bank
  • PAS - Social housing ownership loan
    • Description Who can benefit? Who to contact?
      The social housing ownership loan (PAS) encourages loan companies to grant attractive loans to middle or low income families. In order to bring down the maximum interest rate of classic loans by 0.6 of a point, the State covers part of the cost of the risk and guarantee. This allows families to build or buy a primary residence (which must be occupied for 8 months per year) or to carry out renovations or home improvements.

      Households who wish to build, buy or improve their home, whose joint income does not exceed the maximum fixed.

       

       

      Your bank or a State-approved loan company.
      For more information, contact the:  Ministry for housing.
         

      Click here
  • CAF home improvement loan
    • Description Who can benefit? Who to contact?

      This loan covers 80% of the cost of the improvements (up to a maximum)

      Those receiving family allowance - means tested.

      		 CAF
      Click here
  • General Council housing and renewable energies loan
    • Description Who can benefit? Who to contact?
      You can obtain a fixed sum loan from the General Council to promote the use of renewable energies (for the purchase of solar or wood powered equipment professionally installed):
      Individual solar water heater renovation 300€
      Photovoltaic Equipment    500 €
      Wood chip boiler  800 €

         

      - Individuals
      - Civil real estate companies
      - Housing associations or joint ownership unions

         

      Conseil général des Alpes-Maritimes.
      Click here

         
  • Communal and intercommunal aid 
    • Description Who can benefit? Who to contact?

      As part of the National Housing Improvement Project (OPAH) some communal or intercommunal grants are available

      		 
      Espace info énergie
      Click here