Real Estate / Thermal Strainers. To grant a loan, do the banks pay attention to the energy class of the property?

More and more thermal colanders are on the market for sale: TRUE

According to the National Real Estate Federation (FNAIM), nearly 500,000 very energy-intensive homes currently rented likely to leave the rental market within six years.

A study by Meilleurs Agents, specializing in online real estate valuation, and SeLoger, a real estate advertisement portal, shows that in 2021 the sale of thermal sieves increased by 8% for apartments classified F or G, against + 3.5% for apartments with higher ratings.

A trend confirmed by Laura Martino, director of banking partnerships at the loan broker Cafpi, the result of the reinforced regulations on energy criteria with the Climate & Resilience law and the increase in the cost of the works.

Some landlords of thermal strainers are then forced to sell them“lack of means to carry out work which may amount to over €30,000 “, she says.

The thermal colanders on sale are subject to discounts: TRUE and FALSE

“Future buyers are very aware of the regulations and their consequences on rental investments, underlines Laura Martino of Cafpi. When the property has defects, particularly in terms of energy performance, they don’t hesitate to bargain down, up to 20%, the price of the coveted property. »

This is less true in tight markets such as Île-de-France and regional cities. As shown a study by the Notaries of France on the green value of housing relating to sales in 2020, the prices of apartments classified F or G suffered a discount of – 2% to – 14% on average compared to apartments classified D, all things being equal.

As for old houses, those rated F or G sold in 2020 between 5% and 20% less on average than houses rated D. But the positive or negative impact of the energy label on selling prices is d lower as the level of real estate tension is high in the city.

Banks are not attentive to the energy class of the property when they grant a loan: FALSE

“Banks are very vigilant about the type of property purchased. The energy criteria can play against the borrower if the energy rating of the accommodation is too bad. They will be more demanding in terms of contribution and residual savings (the money that remains in the borrower’s bank account after the acquisition, editor’s note), to anticipate the work to be carried out, for example, ”says Laura Martino.

To grant a loan, some may ask that the borrower undertakes to carry out the work to change the class of the property purchased from G to at least an E rating.

But it exists consumer loans, offered by banks, to help borrowers cover the cost of their energy works. The rates offered remain lower than those of conventional consumer credit. For example, underlines Cafpi, for a loan of €4,000, a rate of 2.20% may be offered for a “green” loan, against 10% for a conventional consumer loan.

Existing aid for energy renovation is sufficient: TRUE

“Several of our files with work have been financed thanks to national and local aid, says Laura Martino of Cafpi. For example, a first-time buyer borrowed €110,000 for the purchase of a house, for which €40,000 was needed to increase the energy class from G to E. He had €22,000 in savings which he been able to mobilize for part of the work. For the rest, he called for help”MyPrimeRenov‘”, to the Departmental Association for Information on Housing (Adil) and to the regional council, and was able to collect €18,000 in aid, i.e. almost half of the sum remaining to be financed. note that the procedures for obtaining this aid are long and complex.

Real Estate / Thermal Strainers. To grant a loan, do the banks pay attention to the energy class of the property?