{"id":694,"date":"2022-11-09T13:06:59","date_gmt":"2022-11-09T12:06:59","guid":{"rendered":"https:\/\/mecalv.com\/erihum\/?page_id=694"},"modified":"2023-03-14T16:30:08","modified_gmt":"2023-03-14T15:30:08","slug":"financement-travaux-renovation","status":"publish","type":"page","link":"https:\/\/mecalv.com\/renov-amenagement\/financement-travaux-renovation\/","title":{"rendered":"Comment financer ses travaux de r\u00e9novation ?"},"content":{"rendered":"[vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”2%” bottom_padding=”5%” left_padding_desktop=”5%” constrain_group_2=”yes” right_padding_desktop=”5%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” advanced_gradient_angle=”0″ overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_spacing=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” tablet_text_alignment=”default” phone_text_alignment=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text]Entreprendre des travaux de r\u00e9novation<\/a> comporte un co\u00fbt tr\u00e8s important, ce qui n\u2019est pas forc\u00e9ment \u00e0 la port\u00e9e de tous les portefeuilles. Cependant, il existe des solutions qui vous permettront d\u2019amoindrir les d\u00e9penses. Qu’il s\u2019agisse de travaux de r\u00e9novation, d\u2019isolation ou d\u2019agrandissement, une solution peut \u00eatre trouv\u00e9e. Voici quelques pistes de financement pour votre projet.[\/vc_column_text][image_with_animation image_url=”696″ image_size=”full” animation_type=”entrance” animation=”None” hover_animation=”none” alignment=”center” border_radius=”none” box_shadow=”none” image_loading=”lazy-load” max_width=”100%” max_width_mobile=”default”][vc_column_text]\n

Quelles aides existent pour vos travaux de r\u00e9novation ?<\/h2>\n

Vous pouvez faire un pr\u00eat personnel de cr\u00e9dit travaux. Renseignez-vous au pr\u00e9alable et n\u2019h\u00e9sitez pas \u00e0 comparer les offres de plusieurs banques diff\u00e9rentes pour pouvoir choisir au mieux, en comparant les avantages et les inconv\u00e9nients de chaque pr\u00eat.<\/p>\n

Premi\u00e8re option : l\u2019\u00e9co pr\u00eat \u00e0 taux z\u00e9ro (ou Eco-PTZ) est une aide sans int\u00e9r\u00eat d\u2019un montant maximum de 50 000 euros. Pour l\u2019obtenir, vous devez \u00eatre propri\u00e9taire occupant ou bailleur depuis plus de 2 ans. Cette aide est attribu\u00e9e sans condition de ressources pour les travaux ponctuelles, les r\u00e9novations globales ou les r\u00e9habilitations de votre installation d\u2019assainissement non collectif. Autre chose, les travaux ne peuvent \u00eatre r\u00e9alis\u00e9s que par une entreprise \u201cReconnue garant de l\u2019environnement” (RGE).<\/p>\n

Seconde option : le pr\u00eat d\u2019am\u00e9lioration habitat vous est accord\u00e9 que vous soyez propri\u00e9taire ou locataire de votre logement principal et b\u00e9n\u00e9ficiaire de prestations familiales par la CAF. Ce pr\u00eat permet de financer les travaux de r\u00e9novation ou d\u2019isolation thermique<\/a> de votre logement pour un taux d\u2019int\u00e9r\u00eat de 1 %. Son montant peut atteindre jusqu\u2019\u00e0 80 % du montant de la d\u00e9pense dans la limite de 1 067,14 euros et doit \u00eatre rembours\u00e9 3 ans maximum apr\u00e8s son attribution.<\/p>\n

Troisi\u00e8me option : le pr\u00eat d\u2019\u00e9pargne logement d\u00e9livr\u00e9 aux titulaires d\u2019un plan \u00e9pargne logement (un PEL) ou d\u2019un compte \u00e9pargne logement (un CEL). Il vous permet de financer le co\u00fbt de certains travaux<\/a> contribuant \u00e0 la r\u00e9paration, l\u2019am\u00e9lioration, la construction ou l\u2019achat de votre r\u00e9sidence principale ou du terrain propice pour sa construction.<\/p>\n

Le montant maximum est de 92 000 euros.[\/vc_column_text][vc_column_text]\n

Pourquoi ne pas demander une subvention de l\u2019ANAH ?<\/h2>\n

L\u2019ANAH, Agence Nationale de l\u2019Habitat est un \u00e9tablissement public qui a pour but d\u2019am\u00e9liorer les logements priv\u00e9s et de lutter contre la pr\u00e9carit\u00e9 \u00e9nerg\u00e9tique que peuvent subir certaines personnes. Cette agence effectue les r\u00e9novations thermiques d\u2019un logement ainsi qu\u2019un accompagnement et des aides financi\u00e8res.<\/p>\n

Les personnes \u00e9ligibles \u00e0 cette subvention sont les bailleurs et les propri\u00e9taires de nationalit\u00e9 fran\u00e7aise qui occupent le logement et qui souhaitent am\u00e9liorer les performances \u00e9nerg\u00e9tiques de chez eux. Cependant, certaines conditions peuvent s\u2019appliquer en suppl\u00e9mentant, comme les ressources financi\u00e8res, les gains \u00e9nerg\u00e9tiques potentiels apr\u00e8s les travaux et bien s\u00fbr le type de travaux souhait\u00e9. Attention, tous les types de travaux ne sont pas pris en charge.<\/p>\n

Autres crit\u00e8res d\u2019\u00e9ligibilit\u00e9, votre logement doit avoir au minimum 15 ans et le montant des travaux doit \u00eatre \u00e9valu\u00e9 \u00e0 1 500 euros au minimum.[\/vc_column_text][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"

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