A bank has just announced the launch of a mortgage, interest-free up to 50,000 euros. To obtain it, you must buy a home belonging to energy class A, B or C.
It is called the sustainable home loan. Crédit Agricole d’Ile-de-France launched a new offer on the sly in the spring: it is a zero-rate loan capped at 10% of the financing need. within the limit of 50,000 eurosreveal The echoes. But to obtain it, it will be necessary to ensure that the energy performance diagnosis (DPE) of the coveted property is rated A, B or C.
In accordance with our social and environmental commitment, we wanted encourage customers already making the choice to invest in goods with low carbon emissions and low energy consumption, underlines Guy Poyen, the marketing and digital customer director of Crdit Agricole d’Ile-de-France. This loan can help finance both the purchase of an apartment and a house.
How many borrowers will be able to take advantage of this credit?
But this condition backed by obtaining a durable mortgage should benefit a limited number of beneficiaries. According to statistics from notaries, only 26% of transactions carried out in 2020 concerned old homes rated A, B or C.
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The production of this sustainable home loan will remain marginal because we operate in a market that is more old than new. For example, the VEFA [vente en tat futur d’achvement ou achat sur plan, NDLR] is not the heart of the Parisian market, recognizes Guy Poyen in Echoes.
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