For several years now, the government has put in place numerous aid measures intended to help French people to finance the energy renovation work of their home. Whether to redo the thermal insulation of the walls within a main residence or within the common areas of a condominium, install a more ecological heating system or even give a facelift to a roof, multiple offers exist. Some take the form of direct financing like MaPrimeRénov’, a zero-interest loan and even a tax reduction. And that’s not all, since the government launched on January 1, 2024 new assistance, entitled My Decent Housing Prime. A helping hand which aims to give a second wind to unworthy or degraded housing. Explanations.
Who can benefit from My Decent Housing Bonus?
Proposed by the National Housing Agency (Anah), My Decent Housing Prime is assistance which replaces two already existing systems: Living healthy and living peacefully. These programs coexisted in the form of financial aid in order to rehabilitate housing by making it pleasant while strengthening its security. Since January 1, 2024, Living Healthy and Living Serenely have merged to become Ma Prime Logement Decent, intended to finance “heavy work to rehabilitate very degraded or even unsanitary housing“, specifies the Ministry of the Economy and Finance on its website. Clearly, this aid must make it possible to finance large-scale rehabilitation work.
This bonus is open to owner-occupiers and landlords, whose income is modest or very modest. THE co-owners unions can also benefit from it. To estimate your income, you can consult the scale set up: france-renov.gouv.fr/bareme.
The conditions for benefiting from My Decent Housing Bonus
The criteria for My Decent Housing Prime are based on the owners as well as the accommodation.
If you are an owner-occupier
The real estate must be built for over 15 years on the date of request for assistance. In addition, the owner must be domiciled there as their main residence, and this up to three years after the end of the work. In order to be covered, accommodation must be evaluated by an operator using a degradation grid or being under a ordinary security police procedurefor example an ordinary peril procedure.
In addition, the rehabilitation work must be carried out by qualified professionals, unless you opt for supported self-rehabilitation (ARA). If you wish, you can ask to be accompanied by a Project Management Assistant (AMO) authorized by Anah, throughout the work.
If you are a landlord
If you wish to benefit from this bonus and your property is rented, you must meet criteria identical to those of the Loc’Avantages system. Firstly, the property must be rented unfurnished for use as the tenant’s main residence, for a period minimum duration of six years. The tenant must have modest income and cannot be a member of your family or tax household. The rent for the property must be capped and you must sign a commitment agreement with Anah on the rental terms.
Here again, housing must be evaluated by an operator or be under a ordinary security police procedure. In addition, the work must be carried out by professionalsexcept in the case of ARA.
If you are a syndicate of co-owners
If you are a union, the co-ownership must also meet several criteria. She must have been built more than 15 years ago on the date of request for assistance and 75% of its lots (or failing that, the shares) must be dedicated to main residential use (65% for co-ownerships of 20 lots or less). The good must be registered And updated annually in the national register of co-ownerships. Finally, it must also be the subject of a administrative police order.
What is the amount of aid ?
If you are an owner-occupier, the aid will cover between 60 and 80% of the total amount of work according to your income, with a maximum ceiling of 70,000 euros excluding tax. If you are an owner-lessor, it will finance between 25 and 35% of the total amount depending on the condition of the accommodation, up to 80,000 euros excluding tax. Finally, if you are a syndicate of co-owners, the financing rate amounts to 50%without ceiling.
Moreover, eligible work to this system are listed on the website of the National Agency for Housing Information (ANIL): anil.org/aj-prime-logement-decent/. As a reminder, they must contribute to making housing safer, or making it more comfortable and healthier.
How do I get my Decent Housing Bonus?
If you wish to use this assistance, you must first check that your situation corresponds to the criteria mentioned above, using the income scale in particular. Afterwards, Create your account on the website of the National Housing Agency: monprojet.anah.gouv.fr/. Then, submit your file on the dedicated platform. If you prefer to be assisted by a guide for your project, they will be able to help you put together your file. At the same time, you can also make an appointment with a France Rénov’ advisor, via the France Rénov’ public renovation service.
Sources:
- Energy renovation: the aid you can claim – Ministry of the Economy
- My Decent Housing Bonus: everything about this aid dedicated to major works – Ministry of the Economy
- New aid available for large-scale renovations of degraded housing – Public service