Home insulation work: what credit? What aids?


Have you planned insulation work on your house as part of a renovation or rehabilitation? You are right, because poor insulation is responsible for significant heat loss and synonymous with an unusually high energy bill.

Insulating the house is therefore good for the planet, but also for the comfort of the inhabitants. What do they bring? What financial aid can you get? We tell you everything in this file!

Benefits of insulating a house

An isolated detached house, no neighbor upstairs or on the sides to compensate for thermal losses, it is an electricity bill that we receive grimacing, but also a source of daily discomfort.

To overcome these drawbacks, it is necessary to rely on insulation. First of all, if this is not done, we isolate the lost attic, the hot air rising naturally, this is where most of the energy is lost. Then we insulate the exterior walls and possibly the low floors.

The insulation renovation budget can quickly become significant, especially in old houses, where inertia had not been considered and where everything has to be redone. Fortunately, many solutions exist to financially support households in an energy transition that respects the environment at a lower cost.

We will detail state aid on the one hand, and credit boosts on the other. Whatever the composition of your household and your taxable income, you will find assistance aimed at your household …

State aid for insulation work

The French government talks about eco-renovation, the aim being to combine efficient insulation and respect for nature. Aid is therefore numerous, especially for low-income households, but not only.

The MaPrimeRénov ‘system

Definitively replacing the CITE (Tax Credit for Energy Transition), the MaPrimeRénov ‘scheme succeeds the tax credit and has been aimed at all menarges since 1er January 2021. This is a financial aid paid by the ANAH (National Housing Agency), under conditions.

The amount of aid differs depending on each individual’s situation and the insulation work carried out. It is aimed at both tenants and owners and can go up to 30,000 euros.

Help Living Better Serenity

Extension of MaPrimeRénov ‘aid, the Habiter Mieux Sérénité scheme is also paid by the ANAH, but only low-income and very modest-income households are eligible.

In addition to income ceilings that must not be exceeded to qualify, the work carried out must at least offer an energy gain of 35% for the house, in order to cover the expenses incurred in a few years.

The Habiter Mieux Sérénité scheme is twofold and provides a subsidy and a “bonus”. The maximum amounts are as follows:

  • For so-called “very modest” households: up to 30,000 euros of subsidy with a Habiter Mieux premium of up to 3,000 euros
  • For so-called “modest” households: subsidy up to 10,500 euros with a Habiter Mieux premium of up to 2,000 euros

For information, a couple with two dependent children is said to be “very modest” if their 2020 reference tax income does not exceed:

  • 42,381 euros in Île de France
  • 30,572 euros in other French regions

And this same tax household is said to be “modest” if its 2020 reference tax income does not exceed:

  • 51,597 euros in Île de France
  • 39,192 euros in other French regions

Good to know : Habiter Mieux Sérénité assistance cannot be combined with the MaPrimeRenov ‘scheme.

VAT at reduced rate

Taking advantage of a 10% or 5.5% VAT is for individuals the opportunity to benefit from a real reduction in the total costs of the insulation work of their house.

The reduced rate VAT is granted on the double condition that you have insulation work carried out by professionals in housing completed for more than 2 years on the one hand, and that this same housing is used for the use of residential only.

In short, in the context of insulation work, it is generally the VAT rate of 5.5% that is applied. This is valid, among other things, for thermal insulation materials, repairing the waterproofing of roofs or even heating control devices.

The energy saving boost device

It is still open until December 31, 2021 to all households, but be careful, it cannot be combined with the Habiter Mieux offer from the ANAH.

There is the “Heating boost” offer and the “Insulation boost” offer. It is the latter that we are interested in here. It was modified by decree on December 28, 2020 and concerns the insulation of attics and roofs and / or the insulation of low floors.

In the table below, you will find the income limits not to be exceeded in order to receive the maximum assistance. You must refer to your N-2 or N-1 tax notice.

Number of people in the household

Household income limits in Île-de-France (€) *

Household income limits for other regions (€) *

1

25,068

19,074

2

36,792

27,896

3

44 188

33 547

4

51 597

39 192

5

59,026

44 860

Per additional person

+ 7 422

+ 5 651

The aid granted is:

  • 20 euros per square meter of insulation installed if you do not exceed these ceilings
  • 10 euros per square meter of insulation installed if you exceed them

The famous “1 euro insulation”

A lot of ink has been spilled about the device because of unscrupulous companies which regularly carry out unwanted canvassing (telephone, email, physical, etc.).

However, it did exist and was a real boost for households and eligible households. It was only valid for the insulation of lost attics, but was completely removed on December 31, 2020.

Note that there are other aids, mainly for owner investors, in the form of tax reduction or credit, which we will not discuss here.

Bank credit to finance insulation work

Unless you are a very modest householder, most homeowners will use bank credit to supplement existing assistance and finance insulation work on their home.

The zero-rate eco-loan

Granted until December 31, 2021, the zero-interest eco-loan is a bank loan approved by the State, giving entitlement to a maximum of € 30,000 per home without bank interest.

Owners or co-owners, as well as SCIs subject to income tax, are eligible. The house, meanwhile, must be used as a primary residence and built before 1er January 1990.

The consumer loan allocated to insulation work

Therefore, not all households can borrow through the eco-PTZ. They will therefore have recourse to so-called “affected” consumer loans if they begin the isolation process after having acquired the property.

On the other hand, if the insulation work is planned during the acquisition of the house, it can be financed by the main real estate loan, on estimate made with qualified craftsmen before the final signature of the bank loan offer.

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