Zero Interest Rate Loan Insulation worksPayday Loans Direct Lenders
Poorly insulated housing accounts for more than 30% of heat loss through walls, attics, windows or doors. And there, the heating bill flies away very quickly! To halve energy costs, the only solution is to start insulation work.
PTZ: conditions to respect
It is possible to take out a zero interest loan (PTZ) depending on the nature of the renovation project until December 31, 2018. All owners of old housing built before January 1, 1990 can claim if they occupy it in respect of their principal residence. No cap on resources is required. How to go about getting it? Our advices.
Choose work eligible for the zero interest loan
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Only certain insulation works are eligible for PTZ:
– Or a bunch of works among the thermal insulation of the roof, at least half of the surface of the external walls or at least half of the closures (doors and windows).
– Work that follows a thermal study: the thermal studies office will then indicate how to achieve a better energy performance. It is measured in kWh per m2 and per year. This option only applies to dwellings built after January 1, 1948.
The maximum amount of the PTZ is 30,000 euros. However, if only two types of work are chosen in the bouquet, the amount will be capped at 20,000 euros.
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The borrowing rate is financed by the state. A certain number of documents are necessary for the loan file to be accepted:
– The estimate form, downloadable on the internet, filled in by the companies chosen and obligatorily labeled RGE (Recognized Guarantor of the Environment).
– RGE certificates.
– On free paper, the date of construction of the dwelling and the description of the planned work. The last tax notice.
The dwelling must be used as a principal residence. If this is not the case, indicate that the project is to live there no later than six months after the work. The term of a zero rate loan is between 3 and 10 years.
It is thus possible to obtain a second PTZ for the same housing as soon as the first one is sold. A total reimbursement certificate, provided by the lending institution, is therefore essential.