The Grenelle of the environment has given the renovation of housing a new impetus and, most importantly, a new color : Those of ecology. The tax provision for the implementation of energy conservation work has been strengthened. Overview of tax cuts, subsidies and other subsidies. tax credits "sustainable development"
Many now work equipment that qualify for a tax credit: installing a condensing boiler, installation of mineral wool, recovery Rainwater ... The selection is wide! The complete list is contained in Article 200 quater of the General Tax Code (CGI). The advantage
is a reduction of income tax of 25-50% of costs (including VAT) until 31 December 2012, excluding the cost of labor. In addition, specificity of the mechanism of credit, if that amount exceeds the tax due it will be refundable.
are eligible homeowners, tenants, renters, occupants and even gratuitously, since 1 January 2009, landlords (1), provided they agree to rent the unit for at least five years.
The equipment must have a certain level of performance. These are detailed in Article 18a of Annex 4 of CGI. Finally, the amount of spending is capped by 5-year period, to 8,000 € for a single person and 16,000 € for a couple.
tax credit on the loan interest
To encourage housing construction certified Low Consumption Building (BBC), the legislature wished to encourage individuals who build or buy new homes to meet this label demanding. Provided they meet the same conditions as for the equipment tax credits, it is possible to enjoy a better rate of interest than for conventional buildings: 40% for 7 years (instead of 40% over one year, then 20% over four years).
Eco-interest loan
Since 1 April 2009 (2), banks are allowed to issue a particular type of interest loan, "said PTZ" green. " It is intended to support financing of energy optimization work. Notable difference with tax credits, it covers the cost of installation.
Lasting more than 10 years and a maximum amount of 30,000 €, it is accessible to owner-occupied housing, condominium, but also to donors and civil society, provided that the dwelling was built before 1 January 1990 and is intended for primary residence.
To obtain the agreement of the partner bank, three possibilities:
- focusing its project on rehabilitation of sewerage systems,
- to hire a consulting firm that heat will make a recommendation on the work that can guarantee a certain energy level,
- or for a "bunch of work": that is to say, making at least two types of work among a class of six, described in Article R.319-16 1 of the Code of Construction and Housing.
Note: For individuals who meet the conditions for the granting of a conventional PTZ, the amount may be increased up to 20,000 € if the dwelling meets the BBC label.
Eco-grant
The National Housing Agency (Anah) provides funding for low-income homeowners whose homes have more than 15 years. The aid may cover 20 to 35% of the amount of work, the cost should be between 1,500 and 13,000 €. To qualify for this grant, the owner must meet certain conditions and agree to occupy the unit for at least 6 years after work.
The booklet Sustainable development
This tax-free savings account was replaced on 1 January 2007 the former "Codevi. The fund, capped at 6,000 €, will come to support a loan application to perform work of saving energy in existing homes. The rate of pay of LDD is set at 1.25% since August 1, 2009. It will appeal to people who do not qualify for the Eco-PTZ, or who wish to purchase an additional loan.
Property Tax Exemption
some local (county, state or province) can now grant an exemption from property tax, in whole or by half, to the owners of the residence, built from 1 January 2009, is Certified BBC.
Finding the right people?
To learn which jobs may suit your home, request a personal consultation with advisors Area Info Energy ADEME (Agency for Environment and Energy Management Energy). For tax credits
: Contact your local tax office.
To Eco-PTZ: check with your bank.
To Eco-grant: Anah advisers can provide free information and send you the application form. www.ecosubvention.fr
For Property Tax: please contact your local council or your local tax office.
(1) Article 109 of the Federal
2009 (2) Article 244 quater CGI U was established pursuant to Article 99 of the LF, 2009, decree No. 2009-344 and No. 2009-346 of 30 March 2009
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