Mortgage Credit: Helping Environmentally Responsible Housing

Mortgage Credit: Helping Environmentally Responsible Housing

Written by Marion Regno,


Published on 07/26/2022

Mortgage Credit: Helping Environmentally Responsible Housing

The Ministry of Environmental Transformation works for the environment in order to reduce the percentage of energy-intensive and polluting homes. 2022 also marks the year that leaves room for many changes:

  • January 1, 2022: All real estate ads must display the energy label, climate tag, and annual energy bill estimate.
  • August 1, 2022: All property owners with a rating between F and G are no longer entitled to an increase in rent for their tenant(s).
  • September 1, 2022: All owners of an entire building or home with a DPE rating of F or G will have to conduct an energy audit if they wish to sell, and consider energy renovation work accordingly.
  • January 2023: The rental of all housing with the highest energy consumption, known as energy sieves, will be prohibited if energy improvement works are not planned.

In the face of the climate emergency, everyone can contribute on their own scale and advance the housing of tomorrow. But how do you finance such improvements? How do we move towards environmental renewal? We give you everything you want to know!

Environmentally friendly housing, what is it?

First of all, it is important to understand what we can mean eco-friendly homes. It is a dwelling whose energy expenditure is low, thanks to the use of special materials, equipment and technologies to reduce energy loss or toxic emissions. Thus, we can talk about good thermal insulation to stop energy loss, or the use of green energies (solar panels, wind turbines) to replace more harmful energies, such as fuel oil, gas, coal, etc.

The energy performance Your home is checked by your index called DPE (Diagnostic Energy Performance). Most regulations state an ECD between A and E inclusive (the worst pupils are in G because of their high energy consumption). To create this index, you can call a file Certified Real Estate Diagnostics.

Since July 1, 2022, for any new boiler project to be installed or replaced, you should be aware that oil or coal-fired boilers are prohibited, in order to reduce greenhouse gas emissions. Any new heating equipment or hot water production must not exceed the 300gCO2eq/KWh PCI greenhouse gas emissions limit.

Environmental aid: what are its advantages?

In addition to a citizen law that will in no way render you undeserving, adapting your home to the challenges of environmental conservation thanks to government assistance has advantages:

  • Healthy and economical housing : Thanks to the adjustments you have made, feel it directly on your comfort in life and your energy bills! Benefits for the planet and your wallet;
  • Improve your low cost housing : Helping to improve energy makes it possible to make labor costs easier, even for the most modest budgets. Convenience at your fingertips! ;
  • Low Price Real Estate Loans As a rule, interest rates on energy performance mortgages are lower than conventional loans, or have significant advantages (zero interest rate, grace period, etc.).

subsidized loans

There are many state-approved loans to help you finance your projects to improve your energy index. Here are the things you can turn to:

  • Eco-PTZ or Zero Rate Environmental Loan : This zero-rate loan is intended for families wishing to finance energy renewal work (thermal insulation, heating mode change, ventilation installation, etc.), the value of which can range from €7,000 to €50,000 depending on the extent of the desired developments. However, you must meet the criteria for your own accommodation and resources. This help has been renewed until December 2023, it’s time to take advantage of it!
  • Action Logement or Employer Loan Action Logement works with employees to help them acquire and renovate their property by offering a 0.5% loan that can cover up to 40% of the acquisition of an old property in renovation, new or construction whose DPE must be between A and. Be careful however, this loan can only come in addition to the first loan (except in some special cases) and is often considered a contribution;
  • Procedure Registration Loans Other business registration loans offer financial assistance for energy renewal/upgrade: improvement work loan, energy renewal assistance, etc. These loans, which do not exceed 1% interest, provide financing of up to €10,000 over 10 years.
  • CAF . loan : Intended only for nannies who take care of children at home, the Family Allowance Fund can grant a housing improvement loan. This amount amounts to just over 1,000 euros, to be repaid over 3 years, provided that this loan does not finance more than 80% of the planned work.

Good to Know: While the housing loan environment is more than tense at the moment, loans to improve the Energy Performance Index (DPE) of your home are still quite achievable!

Help replenish energy

Dissatisfied with subsidized loans, the state and Anah (National Housing Improvement Agency) have established several mechanisms to encourage an ecological transition to more environmentally responsible housing, mostly in the form of a bonus, subsidy, or tax cut. A quick overview of what you can claim!


MaPrimeRénov’ :
This is a fixed premium, the amount of which will depend on the level of resources that the family has, but also on the effectiveness of the work envisaged. It can reach a maximum of 50,000 euros.

Serenity MaPrimeRénov

Serenity MaPrimeRénov :
Similar to MaPrimeRénov, this assistance is aimed specifically at families with very modest incomes in order to allow them to finance 35 to 50% of the cost of the business. A consultant accompanies you throughout your procedures and work!

MaPrimeRénov . condominium

MaPrimeRénov . condominium :
Fund your energy regeneration business in your common areas thanks to this bonus, the energy gain of which must be higher than 35% with client assistance.

Loc'Advantages Advantages

Loc’Advantages Advantages :
This help is aimed at the angel. If they pledge to respect the rent ceilings and the resources of the tenants, they will be able to take advantage of financial assistance from Anah and tax cuts to carry out renovations for the rent.

Since 2022, the MaPrimeRénov system can be combined with eco-PTZ! A great addition to your loan file with banks.

Helping replenish energy: how to make the right decision?

The aid is multiple, and it is easy to get lost among the subsidized loans, rewards and benefits! This is why the government website has been set up Serving France Renov. A dedicated advice space where you can be guided step by step on your renovation/energy planning projects. Emphasize the best choice and benefit from appropriate assistance!

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