What is the zero interest loan?
And fiscally, I'm entitled to a boost?
Is the amount capped?
Concretely, if I want to equip myself with a wood stove ...
And if I buy a new boiler ...
If I decide to isolate my house ...
What proof must I produce?
The round of subsidies
What do banks offer me?
Some banks such as Crédit Agricole with the Aquitaine Solar Loan , the CIC or the Banque Populaire with the Prévair Eco-habitat have set up Eco-loans to finance the expenses related to renewable energy equipment, thermal insulation, rainwater recuperators, ventilation ... It is not essential to have a LDD (Sustainable Development Booklet) to obtain a special loan "energy savings". Everyone can benefit, provided that his file is accepted by his bank, depending on his project and his level of indebtedness.
More expensive than the Pass-Works , which disappears in 2009, these Eco-loans are however significantly more advantageous than consumer credit. With an average TEG (average effective rate) of 4.30% on average (compared with a TEG of around 15 to 20% for a consumer loan), they make it possible to borrow € 10,000 from ... infinite with a repayment term spread from 5 years minimum to 12 years maximum. Loans and their conditions vary from one region to another, the site www.testepourvous.com , in partnership with the Ademe (Agency for the environment and the control of energy, www2.ademe.fr ) , has set up a loan comparator to make the best choice.
What is the zero interest loan?
Eco-loan at zero rate or PTZ is a new government measure following the Grenelle Environment . Established since January 1, 2009, it must enable work to be carried out as part of a sustainable development approach . Awarded without conditions of resources , it has a ceiling of € 30,000 and may be cumulated with the current tax credit . To benefit, the work must be "consistent" and carried out within two years of the request . No question, for example, to consider to put the glass wool in his attic. On the other hand, a change of boiler cumulated with a replacement of windows can be the object of a demand of PTZ (refer to www2.ademe.fr ). These loans are to be asked to the bank , whatever it is. To build the file, based on the simplified model of existing loan forms, a quote must be submitted by the company that will carry out the work. To find out about the funding organizations in your area, and to know who to contact, you can consult the website www.habitat-developpement.tm.fr which lists all the aid department by department.And fiscally, I'm entitled to a boost?
The tax credit is a tax provision that allows households to deduct from their income tax a percentage of the amount of work related to energy savings . This percentage, also known as "rate", varies according to the nature of the work. To know what rate of tax credit (15, 25, 40, 50%) one will be able to benefit, it is necessary to consult the site of Ademe, www2.ademe.f. Everyone is entitled to it, even those who do not pay taxes . And since January 1, 2009, all owners, whether they occupy or rent their home. If this tax credit is greater than the amount of tax owing, the excess is refunded in the form of a check (for those who do not pay tax) or a tax deduction (for those who pay tax). In some cases, the tax credit can be accumulated with grants and backed by an Eco-loan. The list of expenses qualifying for the tax credit can be consulted on www.legifrance.gouv.frIs the amount capped?
For the same taxpayer and the same dwelling, the amount of expenses eligible for the tax credit may not exceed ...€ 8,000 for a single person , whether single, divorced or widowed.
16 000 € for a married or pacsé couple with an increase of 400 € for the first child , 500 € for the second and 600 € for the third . In case of alternating custody, these three sums (400 €, 500 € and 600 €) are divided by two.
Concretely, if I want to equip myself with a wood stove ...
Bad luck, since January 1, the tax credit granted by the State for the purchase of a wood stove has increased from 50% to 40%. It should fall to 25% in 2010. When we know that the installation of an insert in the chimney allows a return of the heat of 70% against 10% for a traditional chimney, one equips without delaying.And if I buy a new boiler ...
Here too, there is change. The low-temperature boilers and air-to-air heat pumps are no longer included in the tax credit. To benefit from the reductions, you must equip yourself with a condensing boiler or an air / water pump.If I decide to isolate my house ...
Good news ! Before, the tax credit only covered insulation materials. Since January 1st, it includes labor. Provided you choose products with good thermal resistance and certifications Acermi, CSTBat or NF, isolate is now 3 to 4 times better paid.What proof must I produce?
Everything happens at the time of the declaration ... and on a line. In practice, the expenses for the work carried out in 2008 must be included in the 2008 income declaration and will be reimbursed in 2009. It will be necessary to attach the photocopy of the invoices of the companies specifying the nature of the works and equipment installed, with their price.The round of subsidies
Public institutions such as the Anah (National Agency for Housing) and local authorities have put in place grants that allow us to finance our energy savings. Often awarded on a means-tested basis and if the work involved is more than € 1,500 , this aid is paid to the applicant in the form of money. Thus, the Anah grants a bonus of € 900 for the purchase and installation of a condensing boiler while the Regional Council of Ile-de-France pays a flat fee of € 1,300 for the installation of sensors solar photovoltaic .
To note, the sums are released on estimate or on invoices, and the aids can sometimes be cumulated. Rens. on www.anil.org (National Agency for Housing Information).
With the participation of Mathieu Wellhoff, economist at Ademe.
