This is a measure taken before the significant rise in real estate rates. The “Climate and Resilience” law, promulgated on August 24, 2021, provides for the ban on rental from January 1, 2025 of housing classified “G” and in 2028 of those classified “F” by the new energy performance diagnosis (DPE ). The latter is no longer based on energy bills, but on the characteristics of the building (quality of insulation, type of windows, heating system, etc.).
But the timetable for banning the rental of accommodation considered to be “thermal sieves” could be revised. The Minister of the Economy Bruno Le Maire in fact opened the door on Tuesday September 26 to a postponement of this calendar in an interview at the Parisian. “Personally, I am very in favor of it, particularly for co-ownerships,” he said.
“I consider that everything that was decided before the rise in (interest) rates deserves to be looked at again in the light of this crisis. What was possible when money was available becomes impossible with higher rates “We have to be very pragmatic and see if we can shift the timetables,” explained the Minister of the Economy. Bruno Le Maire, however, warned that the decision has not yet been made: “I am a member of a government, so I am united.”
The boss of Bercy said he was “wondering” about the DPE: “Can’t this so-called DPE ranking be improved?” “With my colleague from the Ecological Transition Christophe Béchu, we are ready to open this debate,” assured the Minister of Finance.
0024_NEW3769CT Average mortgage rates as of September 15, 2023
© / The Express
A Renaissance deputy disagrees with Bruno Le Maire
As of January 1, 2022, the number of “thermal strainers” (labeled F and G) among main residences was estimated at 5.2 million homes by the National Observatory for Energy Renovation.
Bruno Le Maire’s declaration does not satisfy all the elected representatives of the majority. On the social network .
“Building accounts for 45% of energy consumption and nearly 30% of GHG emissions. This is the most important battle to wage. With 4 billion euros for renovation in the next budget, do not let’s not postpone our goals, let’s accelerate,” he urged.
Revise the zero-rate loan scale
While access to real estate loans is increasingly complicated, Bruno Le Maire also proposed revising the zero-rate loan (PTZ) scale in order to allow more “young households” to access it. “The zero-interest loan is important for first-time buyers with modest incomes. We had decided to tighten it for budgetary reasons: I propose that we revise the PTZ scale so that there are more young households who can benefit from it. have access and that we review the criteria to create more flexibility,” declared the Minister of the Economy to Le Parisien.
The boss of Bercy also said he was in favor of the creation of a “subsidized rate loan” to help households, by offering “credit financing conditions more attractive than those on the market”. “When the rates are at 4%, shouldn’t we think about a more accessible rate for households?” asked the minister. Such a loan could “be reserved for first-time buyers or not, I am open to discussion”, he said.