Eco-interest loan is a commitment of the Grenelle Environment. It provides funding for energy renovation of housing and thus reduce energy consumption and emissions of greenhouse gas emissions. The principle: it is a 0% loan to finance your renovations designed to improve performance energy housing. This device is applicable until 31 December 2013.
Who can benefit? The owner of the property and tested without the borrower . But for borrowers whose income is below € 45,000 will be possible for the years 2009 and 2010, concomitantly, to benefit the Eco-Loan and Tax Credit relating to the implementation of certain works.
What are the conditions?
The work must be for a principal residence. The dwelling must be occupied as such (8 months per year) and for the duration of the loan, either by the owner or by a tenant. Your accommodation must be completed before 1 January 1990.
One loan per unit regardless of the amount of the loan . If the borrower has not used the full potential amount of Eco-interest loan, he may not subsequently obtain an additional loan. For example, it theoretically is entitled to 30 000 €, the borrower applies for a loan in 2008 of 22 000 € for a piece of work, it may subsequently request a loan of € 8,000 for another phase of work.
What kind of work can be funded through eco-ready?
The project work must be done by a professional within 2 years from the date of issuance of the loan offer. Be financed by the Eco-interest loan three categories of work:
Category A - achievement of a bunch of work
Namely work corresponding to a combination of at least two effective actions to improve performance Energy housing or building concerned, including the following: work Insulation roofing; work Insulation walls facing the outside work Insulation glass walls and doors to the outside work installation, control or replacement of heating systems, if any associated ventilation systems and economic performance, or producing hot water heating installation work of heating equipment using a source of renewable energy installation works equipment produce hot water using a renewable energy source.
Category B - obtaining an overall energy performance
Namely work to limit the building's energy consumption for heating, hot water, cooling, lighting and auxiliary bottom of a threshold defined by a joint order of Ministers in charge of the economy, housing, environment and budget.
Category C - rehabilitation devices sewerage
Let rehabilitation work of sewerage systems, for devices which do not consume energy. This eco-
loan can also support expenditure on these works , namely: the cost of the supply and installation of equipment, goods and works necessary to carry out the work of saving energy; the cost of removal and landfill works, products and existing equipment and the cost of project management and studies related to the work and the cost of insurance client eventually purchased by the borrower And the cost of work involved, inextricably linked to the saving works.
How much is it possible to borrow with eco-ready?
This amount depends on the work done. For Category B - obtaining an overall energy performance ceiling is 30,000 €, for Category C - rehabilitation devices sewerage it down to 10,000 €. As the work of the Category A - achievement of a bunch of work: If you combine 2 actions among the 6 ceiling is 20,000 €, if you combine it passes 3 to 30,000 €.
How long loan?
The maximum loan is 120 months. At the request of the borrower, this term may be reduced but not less than 36 months. The refund shall be made by monthly installments. Early repayment is possible without penalty.
More info here: http://www.developpement-durable.gouv.fr/article.php3?id_article=4390
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