Maprimerenov ’, helped loan… The new 2022 new features in terms of energy renovation

Simplify and change scale.Here is the double objective set by the government, for 2022, in terms of energy renovation of housing.While Maprimerenov has met with unexpected success to the French and contributes to the massification of the number of renovations in the private residential park, the executive wants to go further.First because many households still have trouble taking action.Either for lack of means, or because they do not know where to find advice.Engaging work in your home is never an easy task and the energy renovation sector is regularly pointed out for abusive practices or embezzlement of some Margoulins.Fear of scams block many owners.

To remedy this, the government will first simplify their steps, by launching on January 1, 2022 a brand new public service of energy renovation.Called "France Rénov", it will be completely free and will revolve around a dedicated website, a telephone platform, as well as a network of 450 counters distributed throughout the territory.This service will bring together under one banner the advisers of the Faire network, so far led by ADEME, and the operators of the National Housing Agency (ANAH).Objective: support the French from start to finish of their project by providing them with neutral and personalized advice, in order to encourage them to get started.

Renov guides to guide households

The second problem of the government is to emphasize ambitious renovations.Because for the time being, 86% of the work subsidized by Maprimerenov 'are mono-gesture renovations, mainly boiler replacements (72%).Already highlighted by the magistrates of the Court of Auditors, this question of the energy efficiency of the system has also just been raised in the French Strategy Report and the General Inspection of Finance on the evaluation ofMeasures contained in the economic recovery plan.According to the Committee, the energy gain relating to the work validated by the National Housing Agency (that is to say the work having benefited from Maprimerenov ’) during the first half of 2021 would amount to 1.7 Térawatt-Hour.It is certainly twice as much as for the work validated in 2020 ... but it represents only 0.4% of the energy consumption of the main residence park.In total, only 0.1% of the funded renovations were global.

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From next year, new players will therefore enter into play: the "Rénovae Renov".These trusted third parties, a sort of conductors of work, will have the mission of directing households towards an ambitious work path.They will notably be able to advise the owners on the nature of the work to be carried out, refer to qualified craftsmen, set up a financing plan in order to obtain public aid, etc..Note that the use of these renovative guides will be free for modest and very modest households and certainly paying for others ... and that it will become compulsory from a certain amount of work from January 2023.All the methods framing this appeal will be specified by a decree.

>> Notre service - Trouvez un artisan de qualité et obtenez vos aides pour votre projet d’isolation (sols et combles)

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Reinforced aid for global renovations

On the aid side, the government also provides for some adjustments.First, the scales of Maprimerenov ’will remain stable in 2022, apart from a slight revaluation of the package granted for the installation of closed households and wood inserts.On the other hand, the choice was made to modify the conditions of eligibility to focus on older accommodation.From January 1, only the accommodation completed for more than 15 years will be able to benefit from Maprimerenov ’, while all accommodation of more than 2 years could benefit so far.Another evolution: the Living Better Serenity of Anah program, which subsidizes the global renovations of modest and very modest households, will give way to a new variation of Maprimerénov ’.

"Maprimerenov" Serenity " - this is its small name - will also be reserved for modest and very modest households and conditioned for an energy gain of 35% minimum.This premium will cover up to 50% of the work, up to 30.000 euros (for help capped at 15.000 euros).At first, it will only be combined with local aids paid by communities and with the bonus bonuses granted by the ANAH when the renovated accommodation comes out of the “thermal colanders” classes (the F and G classes of diagnosticenergy performance) or when it reaches the BBC label (low -consumption building).But it will also become accumulated with the premiums of energy savings certificates (EEC) in the summer of 2022, and in particular with the "boost overall renovation".Which was not the case for the Living better program which should significantly increase the grant rate.

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A new loan advances renovation

Top floor of the rocket: the government wants all households to have access to the loan to finance the rest payable by their work, that is to say the amount they have to pay once all the aidsdeduction.Some owners, especially among the oldest, still have trouble being granted conventional credits.The climate and resilience law has thus opened the possibility that the State could provide a public guarantee to banks which would distribute the "loan advance renovation".This advance - that Capital presented you last May - allows borrower households to finance their remains and to reimburse only interest at first.Capital is sold at the time of the sale of their accommodation or as part of a succession.For the time being, two banking networks have undertaken to distribute it: Crédit Mutuel and La Banque Postale.Discussions would be engaged with other banks, according to the executive.

>> Notre service - MaPrimeRénov’, CEE… découvrez les aides auxquelles vous êtes éligibles pour vos travaux de rénovation énergétique

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