Non-interest bearing transfer loan (also called Renovation loan - PAR +)

To benefit from the loan, the work carried out in your home must improve its overall energy performance.

You must first have an energy audit carried out by a recognized environmental professional (RGE).

The work undertaken as a result of this energy audit must enable your home to achieve the following objectives:

• Annual conventional consumption of less than 331 kWh/m² of primary energy after work on heating, cooling and hot water production
• An energy saving of at least 35% compared to the annual conventional primary energy consumption before works for heating, cooling and hot water production.

To define the most useful and cost-effective works, it is recommended to call on a consultant specialized in home renovation:

This service is free.

You must respect conditions related to your housing and your income.

The funding ceiling is €50,000.

Some work-related expenses can be included in the amount lent within the funding ceiling. These expenses are as follows:

• Cost of supplying and installing the equipment, products and structures necessary to carry out energy saving works
• Cost of removal and landfill of existing structures, products and equipment
• Cost of necessary works, inextricably linked to the proper execution or performance of works to improve the energy performance of the dwelling or to achieve an overall energy performance
• Construction costs or other technical studies necessary to carry out the work
• Owner's insurance costs that you may have subscribed
• Notarized fees
• Fees related to the registration of the mortgage.

The amount of the loan requested must be entered in the form Borrower at the time of your application.

The work must be carried out by a company Recognized guarantor of the environment (RGE) and holder of the certifications corresponding to the work undertaken.

These companies are listed in an official directory:

Search for a recognized environmental guarantor (RGE) or architect

The loan is offered by credit institutions, funding businesses and third-party funding businesses that have signed an agreement with the government.

The list of establishments and businesses is available currently affected by the scheme.

Once the jobs are defined and the RGE company is found, you must submit your loan application file with a credit institution or a funding business or a third-party funding business.

This dossier shall consist of the following documents:

• 2 forms to fill out (forms Borrower and Company completed)
• Description of the work to be carried out, showing in particular the estimated amount of eligible work and any associated expenditure
• Detailed specifications of the work to be carried out
• Energy Audit
• Proof of occupancy of the dwelling as a principal residence if available (it must be delivered no later than 6 months after the delivery of invoices to the institution or business financing the loan)
• Last tax notice available mentioning the reference tax income of the tax household or notice of income tax situation (if you are not taxable)
• Document attesting the amount of the costs related to the registration of the mortgage and the notarized costs.

Non-interest bearing transfer loan (also called Renovation loan - PAR +): form Borrower

Non-interest-bearing mutation loan (also called Renovation loan - PAR +): Company form Overall energy performance

Your file will then be reviewed by the credit institution, financing business or third-party financing business that finances the loan.

The institution or business will decide, as with any loan application, to lend you the amount requested based on your previous debt and the value of the home on which the mortgage is to be taken.

It is the institution or business that estimates the value of your home.

It is possible to accumulate the loan with the zero-interest eco-loan (eco-PTZ) provided that different work stations.

For the first 10 years, the loan advances transfer do not bear interest, the State bearing the interest over this period.

Thus, in the event of mutation (sale or succession) of the dwelling during these 10 years, there is no interest to repay.

As long as the loan does not bear interest, your home can not be converted into a commercial or professional premises, set up rental or used as second home.

Failure to comply with these obligations entails the reimbursement to the State of the interest which it has assumed. Therefore, if any of these situations occur, you must report it, without delay, the credit institution, funding business or third-party funding business financing the loan.

The change of the nature of works, of their amount or thecompany mandated, requires you to provide new forms Borrower and Company corresponding to the changes.

The work must be carried out in full in a 3-year delay from the date of issue of the loan offer.

However, a request for lengthening of this period may be made. That request must be made no later than 3 months before the expiry of the 3-year period in one of the following cases:

• Force majeure
• Illness or accident resulting in temporary incapacity for work (TBI) for a minimum of 3 months
• Litigation procedure related to the completion of the transaction
• Recognition of the state of natural disaster or technological disaster.

You must provide the credit institution, financing business or third-party financing business with all the evidence that the work was carried out in the 3 years from the date of issue of the loan offer.

That time limit doesn't have to be respected in any of the following cases:

• Death of the borrower
• Health accident resulting in a temporary interruption of work of at least 3 months
• Recognition of natural or technological disaster
• Force majeure
• Contentious challenge of the operation.

The lending institution may decide to disburse the loan in one or several times on the basis of the detailed description and specifications of the work to be carried out.

They may also decide to pay the loan on the basis of the invoices for the work carried out (i.e. at the end of the work) that you have submitted at any time before the loan closing date.

If the facility withholds the loan payment after the work is completed, you will be required to move forward the costs to make them happen.

Payment on invoices may lead the establishment to grant you an amount higher than the amount initially provided for in the description and quotes, within the limits of the authorized ceilings.

The repayment of the loan is due at the time of sale of the accommodation or at the time of payment of your succession.

To qualify for the loan, you must demonstrate that your non-collective sanitation system must be rehabilitated.

To do this, you must contact the public non-collective sanitation service of your municipality (SPANC) to request a certificate establishing the need to carry out work on your facility.

The SPANC contact details are available at the town hall.

The new non-collective sanitation system must not consume energy. It must comply with specific technical requirements.

You must respect conditions related to your housing and your income.

The funding ceiling is €10,000.

Some work-related expenses can be included in the amount lentwithin the funding ceiling. These expenses are as follows:

• Cost of supplying and installing the equipment, products and structures necessary to carry out energy saving works
• Cost of removal and landfill of existing structures, products and equipment
• Cost of necessary works, inextricably linked to the proper execution or performance of works to improve the energy performance of the dwelling or to achieve an overall energy performance
• Construction costs or other technical studies necessary to carry out the work
• Owner's insurance costs that you may have subscribed
• Notarized fees
• Fees related to the registration of the mortgage.

The amount of the loan must be entered in the form Borrower at the time of your application.

The use of a company with an RGE quality sign is optional for works to rehabilitate non-collective sewerage systems by devices that do not consume energy.

The loan is offered by credit institutions, funding businesses and third-party funding businesses that have signed an agreement with the government.

The list of establishments and businesses is available currently affected by the scheme.

Once the jobs are defined and the RGE company is found, you must submit your loan application file with a credit institution or a funding business or a third-party funding business.

This dossier shall consist of the following documents:

• 2 forms to fill out (forms Borrower and Company completed)
• Description of the work to be carried out, showing in particular the estimated amount of eligible work and any associated expenditure
• Detailed specifications of the work to be carried out
• Certificate of control of the public non-collective sanitation service (SPANC)
• Proof of occupancy of the dwelling as a principal residence if available (it must be delivered no later than 6 months after the delivery of invoices to the institution or business financing the loan)
• Last tax notice available mentioning the reference tax income of the tax household or notice of income tax situation (if you are not taxable)
• Document attesting the amount of the costs related to the registration of the mortgage and the notarized costs.

Non-interest bearing transfer loan (also called Renovation loan - PAR +): form Borrower

Non-interest-bearing transfer loan (also called Renovation loan - PAR +): Company form (all works except works improving the overall energy performance of the dwelling)

Your file will then be reviewed by the credit institution, financing business or third-party financing business that finances the loan.

The institution or business will decide, as with any loan application, to lend you the amount requested based on your previous debt and the value of the property on which the mortgage is to be taken.

It is the institution or business that estimates the value of your home.

It is possible to accumulate the loan with the zero-interest eco-loan (eco-PTZ) provided that different work stations.

You can use a simulator to estimate the amount of aid you can claim:

Estimate your rights to energy renovation aid

For the first 10 years, the loan advances transfer do not bear interest, the State bearing the interest over this period.

Thus, in the event of mutation (sale or succession) of the dwelling during these 10 years, there is no interest to repay.

As long as the loan does not bear interest, your home can not be converted into a commercial or professional premises, set up rental or used as second home.

Failure to comply with these obligations entails the repayment to the State of the interest it has assumed. Therefore, if any of these situations occur, you must report it, without delay, the credit institution, funding business or third-party funding business financing the loan.

The change of the nature of works, of their amount or thecompany mandated, requires you to provide new forms Borrower and Company corresponding to the changes.

The work must be carried out in full in a 3-year delay from the date of issue of the loan offer.

However, a request for lengthening of this period may be made. That request must be made no later than 3 months before the expiry of the 3-year period in one of the following cases:

• Force majeure
• Illness or accident resulting in temporary incapacity for work (TBI) for a minimum of 3 months
• Litigation procedure related to the completion of the transaction
• Recognition of the state of natural disaster or technological disaster.

You must provide the credit institution, financing business or third-party financing business with all the evidence that the work was carried out in the 3 years from the date of issue of the loan offer.

That time limit doesn't have to be respected in any of the following cases:

• Death of the borrower
• Health accident resulting in a temporary interruption of work of at least 3 months
• Recognition of natural or technological disaster
• Force majeure
• Contentious challenge of the operation.

The lending institution (or business) may decide to disburse the loan in one or several times on the basis of the detailed description and specifications of the work to be carried out.

They may also decide to pay the loan on the basis of the invoices for the work carried out (i.e. at the end of the work) that you have sent at any time before the loan closing date.

If the facility withholds the loan payment after the work is completed, you will be required to move forward the costs to make them happen.

Payment on invoices may lead the establishment to grant you an amount higher than the amount initially provided for in the description and quotes, within the limits of the authorized ceilings.

The repayment of the loan is due at the time of sale of the accommodation or at the time of payment of your succession.