Eco Loan at zero rate co-ownership
Discover the Eco Loan at Zero Co-ownership Finance Studio, an advantageous solution for the energy renovation of your co-ownership!
WHAT IS THE ZERO-RATE CO-OWNERSHIP ECO-LOAN?
The collective zero-rate Eco-loan is a collective loan regulated by the State . Not to be confused with the eco-PTZ individual, it provides funding for renovations to improve the energy performance of parts and equipment common to a condominium. The accommodation must be occupied as a main residence, built for more than 2 years . The work must be carried out by one or more professionals recognized as guarantor (s) of the environment (RGE).
WHAT WORKS ARE ELIGIBLE?
1. Carrying out a works action or a works package:
- Thermal insulation of the roof Thermal insulation of the exterior walls
- Thermal insulation of windows on condition that the materials used replace single-glazed walls (at least half of the windows) and doors leading to the outside (at least half of the doors)
- Insulation of low floors
- Installation, regulation or replacement of heating or domestic hot water production systems
- Installation of heating equipment using a renewable energy source
- Installation of domestic hot water production equipment using a renewable energy source
2. Achievement by works of a minimum overall energy performance threshold
3. Rehabilitation of a non-collective sanitation system
WHAT AMOUNTS AND FOR WHAT DURATION?
The maximum fundable amount of the eco-PTZ per accommodation is:
> € 7,000 for the action of insulating glass walls
> € 15,000 for another simple work action
> € 25,000 for a bouquet of 2 works
> € 30,000 for a bouquet of 3 or more works
> € 30,000 for overall energy performance
If the 5 co-owners participate in the collective loan of € 100,000 granted to the syndicate of co-owners for a period of 10 years, i.e. 40 quarters, the quarterly rate is € 2,587.50, the Fixed Debtor Rate is 0%, the Effective Annual Rate Overall is 0.71%, the total cost of € 3,500 including € 3,500 SACCEF deposit and € 0 interest. The total amount of credit owed by the borrower of € 103,500. Subscription to the SACCEF bond is mandatory in order to be able to subscribe to a Finance Studio co-ownership loan. The deposit must be paid no later than the release of funds. The representative example serves as an example.
8-POINT ZERO-RATE CO-OWNERSHIP ECO-LOAN
- A loan taken out by the syndicate of co-owners at the nominal rate of 0%
- A maximum period of 15 years with a maximum amount of € 30,000 per accommodation and depending on the type of work carried out
- No administration fees
- Lack of solidarity between the co-owners in the event of non-payment
- The due date is taken quarterly from the account of the syndicate of co-ownership
- The co-owner is free to subscribe or not to the loan
- A dedicated team to support you at all stages of the project
- Energy saving work and recourse to the loan must be voted on by the general meeting of co-owners
For work not eligible for the Collective Eco PTZ, you have the option of using the Co-Ownership Personal Loan .
Co-ownership loans
Are you a professional trustee?
Provide a financing solution for your co-owners to carry out the work.
Contact the Co-Ownership Customer Service
You have a question ?
Do not hesitate to contact one of our advisers at:
Monday to Friday 9 a.m. to 5.30 p.m.