Roof renovation: what credit? What aids?


When the waterproofing or insulation of the roof is no longer up to standard, it causes severe degradation throughout the home, but also an energy loss of more than 30%, driving up the heating bill so vertiginous.

It is then essential to renovate its roof. But how much does it cost? And how to finance this type of work? We will explain everything to you.

Roof renovation: how much does it cost?

The budget to be devoted to renovating a roof can vary greatly depending on the materials chosen on the one hand, but also on the geographical location of the work and the price of the craftsmen employed. We must also take into account what already exists, whether it is necessary to repair or rebuild the frame, whether the insulation must be revised, etc.

In general, it is estimated that a roof renovation costs between 150 and 1,500 euros per square meter, depending on the extent of the work to be carried out. Note that a total roof renovation will be more expensive overall than a roof construction, since it is necessary to undo the existing one to recreate it.

Project financing can be carried out in several ways: available savings, family donation, works credit or aid for energy renovation. Most households have, in practice, recourse to bank loans with or without financial assistance. We are therefore going to review the existing systems for renovating your roof at a lower cost.

Aid for roof renovation

Home renovation and the fight against energy loss is one of the ecological priorities of the French government. As a result, many aids exist, directly offered by the State or authorized bodies.

5.5% VAT

The general tax code specifies that work undertaken as part of the energy renovation of housing is eligible at a reduced VAT rate of 5.5%. It is already 14.5 points of earnings which come to lighten your budget.

Renovation work related to maintaining the waterproofing of the roof, replacement of tiles or slates, and total repair work for roof insulation are taken into account.

To benefit from it, you must be an owner-occupant, owner-lessor, owner’s union, SCI Société Civile Immobilière, tenant or even free occupant. The accommodation must have been completed for at least 2 years and be occupied as a primary or secondary residence.

The CITE or the MaPrimeRénov scheme

We will not deliberately discuss the CITE, which was a tax credit granted to households embarking on renovation work, but which was definitively stopped on December 31, 2020.

Never mind, the CITE has been replaced by the MaPrimeRénov device, which consists of financial assistance for the benefit of the most modest households, paid by the ANAH (National Housing Agency) until December 31, 2020 .

But it has been expanded since 1er January 2021 and is now accessible to all owners (occupants, landlords, co-owners) without income conditions. The amount supported for the roof renovation depends on your status and the type of work envisaged.

To find out what help you can claim, it is advisable to contact the ANAH or to perform an online simulation on the MaPrimeRénov ‘website.

Help Living Better Serenity

This aid, also paid by ANAH, this time consists of personalized support including advice and financial assistance. It is only open to low-income households and to work offering an energy gain of at least 35%.

To find out if you are eligible for it in 2021, have your 2020 tax notice with you and refer to the “reference tax income” box. If you are a modest or very modest household, then contact the ANAH to benefit from it and be advised.

The Habiter Mieux Sérénité assistance is to:

  • 30,000 euros maximum + premium Habiter Mieux of 3,000 euros maximum for tax households with very modest incomes
  • 10,500 euros maximum + Habiter Mieux premium of 2,000 euros maximum for low-income tax households

Resource ceiling in Île de France

Number of people in the household

Households with very modest resources (€)

Households with modest resources (€)

1

20,593

25,068

2

30 225

36,792

3

36,297

44 188

4

42,381

51 597

5

48,488

59,026

Per additional person

+ 6,096

+ 7 422

Resource ceiling in Île de France

Number of people in the household

Households with very modest resources (€)

Households with modest resources (€)

1

14 879

19,074

2

21,760

27,896

3

26 170

33 547

4

30,572

39 192

5

34,993

44 860

Per additional person

+ 4 412

+ 5 651

Additional aid

We have reviewed the main aids for renovating your roof. All aim to improve the energy quality of your home. But there are others, which complement the main features:

  • Housing action assistance: this is a subsidy backed by a loan at a rate of 1%, it is open to owners and SCIs in the non-agricultural private sector for housing as main residence located in the municipalities of the Action Cœur de Ville program
  • Property tax exemption: your municipality may have voted for a partial or total exemption from property tax for housing completed before the 1ster January 1989 undergoing renovation
  • Denormandie tax reduction: it is a tax exemption system granted for renovated housing in Action Cœur de Ville municipalities, subject to conditions
  • EEC aid (Energy Saving Certificates) : they are granted by your energy supplier if you are doing work carried out by a professional certified RGE (Recognized Guarantor of the Environment)

Bank loans for roof renovation

The majority of households will have recourse to traditional bank credit to fully or partially finance their roof renovation. It is possible to have recourse to subsidized or subsidized loans granted by external organizations, but also to eco-PTZ (Zero Rate Loan) and works credit.

The zero-rate eco-loan

The eco-PTZ scheme continues, for the moment until December 31, 2021, so there is still time to take advantage of it and is open without conditions of resources. It makes it possible to obtain a loan of 30,000 euros maximum per home without having to pay interest.

To benefit from it, certain conditions must be met relating to the person making the loan on the one hand, and to the housing for the roofing work on the other.

You must therefore be an owner or co-owner, either as a natural person or as an SCI subject to IR (Income Tax) with at least one partner natural person.

As for housing, it must be a house or an apartment declared as a main residence and built before January 1, 1990.

The real estate loan or classic work loan

If you are not eligible for the eco-PTZ, you will have recourse to conventional loans, not subsidized by the French State. You can include roof renovations as part of the main mortgage when buying your home to benefit from an attractive rate.

Otherwise, a consumer loan earmarked for roof renovation work will be required. Whatever option you choose, when you need to take out a loan from a banking establishment, consider comparing before committing.

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