What is the restructuring advance loan?
It is a loan that has a particularity: allows deferred repayment, both at the time of sale and at the time of inheritance. Its beneficiary must use it to pay exclusively for the rest of the works not covered by the MaPrimeRenov loan for the renovation of housing classified F or G in the energy performance diagnosis.
Who can apply for a renovation advance loan?
It is aimed primarily at landlords occupying low-income housing, subject to means-tested accommodation. Here is the summary table:
| Number of inhabitants of the family | Ile-de-France | Other regions |
| 1 |
21 123 € |
€15,262 |
|
2 |
€31,003 |
€22,230 |
|
3 |
€37,232 |
26 844 euros |
| 4 |
€43,472 |
€31,359 |
What are the conditions for obtaining the restructuring advance loan?
This loan, the amount of which is fixed according to the profile of the borrowers and the work involved, accrues 2% interest. It comes with a mortgage on the house and a state guarantee of 75% of the loan amount, in case the value of the property does not cover it, in order to incentivize banks to lend to profiles generally excluded from financing. Please note that only Banque Postale and Crédit Mutuel offer loan before repayment.
Can this advance loan for renovation be combined with other aid?
Yup! It covers costs not covered by MaPrimeRenov’ and can be combined with the eco-loan, premiums for energy saving certificates, 5.5% VAT and any local aid.
