Banques Populaires and Caisses d'Epargne encourage the improvement of the energy performance of housing by integrating the impact into their real estate loans

This offer is intended for homes with an Energy Performance Diagnostic (DPE) between E and G whose owners would undertake work to improve it by two letters. For this, buyers will be able to benefit from the support of a network of expert partners in energy renovation, selected by the Banques Populaires and the Caisses d'Epargne, from the audit to the actual completion of the work.

As key players in real estate and housing financing, Banques Populaires and Caisses d'Epargne encourage their customers in their desire to access energy-efficient housing. This approach is one of the priorities of the Vision 2030 strategic project and contributes to the major challenge of energy renovation of homes in France.

A simple, concrete and virtuous “Impact” solution

Eligible properties concern housing with a DPE classified E, F or G at the time the loan is granted, whether they are used as primary, secondary or rental residences. To benefit from the bonus, the customer undertakes, upon signing the loan, to carry out work aimed at improving the DPE of the property by two letters.

The customer then has a period of more than three years (40 months), from the first release of the credit, to carry out the work. This can be financed according to the customer's choice, upon purchase of the property or after acquisition of the property. If the nature of the work allows it, the customer has the possibility of taking out an Eco-PTZ or a loan for energy renovation in addition.

This “Impact” solution can be combined with obtaining a PTZ and with the offers recently launched by Banque Populaire and Caisse d'Epargne to facilitate access to property for young first-time buyers, in particular the Loan with deferred repayment (Maximmo+X Banque Populaire and Primoz Caisse d'Epargne).

Comprehensive support for energy renovation

To support their customers in carrying out their work, Banques Populaires and Caisses d'Epargne have formed partnerships with energy renovation experts, such as Cozynergy or Leroy Merlin. Customers can thus benefit from comprehensive support ranging from energy audits to guarantees of successful completion of work, including the search for subsidies.

For Hélène Madar, General Manager of Local Banking and Insurance at Banque Populaire – Caisse d’Epargne: "Thanks to the integration of this new "Impact" solution in their real estate credit offers, Banques Populaires and Caisses d'Epargne are supporting the French in their accession to property while contributing concretely to the energy transition of the territories. To facilitate the completion of their work, our customers can be supported by our network of expert partners in energy renovation. Improving the energy performance of their home allows them to benefit not only from a reduction in their monthly repayments, but also from an increase in the value of their assets."

Subject to availability of the offer at Banque Populaire or Caisse d'Epargne.

* Excluding non-eligible loans: regulated loans, revisable loans, infine loans, bridging loans and duo loans.