Because banks are not financed more certain goods

The real estate market is in full transformation and a criterion becomes increasingly decisive: the energy performance Accommodation. The banks, previously focused on the solvency of the mutuals, now incorporate an important environmental parameter into their financing decisions. Then because some banks refuse to finance the purchase of Thermal mouths ? And how to get around this problem to be successful in your real estate project?

Simulates your loan capacity

Loans refused for the energy that consumes goods

The rise of ecological consciousness and the increasingly rigorous legislation on energy performance has changed the rules of the game. The thermal Colans, these poorly isolated and expensive housing, become a real obstacle in the financing process.

THE Banks now examine the diagnostics of energy performance (DPE) Before granting a loan. For the goods classified F or G, corresponding to the worst assessments, it becomes more and more frequent to see the factories refuse to finance the acquisition. The cost of labor to renew these homes and make them more ecological is considered too risky for banks, especially if the borrower has not planned to quickly start improvements.

According to experts, this phenomenon will increase in the future, with even more rigorous banking policies As for the energy that consume goods. By 2028, poorly classified accommodation could also be excluded from the rent market, thus strengthening the need for investors to contact more efficient assets.

Why this hardening of the conditions?

The hardening of the loan conditions for thermal coaches is based on two main factors:

1. Environmental problems
   The reduction of greenhouse gas emissions is a national and European priority. The energy renovation of buildings is one of the objectives established by the climatic plans. The thermal Colans, responsible for strong energy consumption, are in the places of governments and banks, which want to align with environmental policies.
2. The financial risk for banks
   In Energy Energy it is synonymous with very high energy bills for future owners. In case of financial difficulties, these additional costs may affect the reimbursement capacity of the borrowers. Banks therefore prefer to limit their exposure to this type of risk by directing their funding to more efficient assets.

This new reality pushes buyers and investors to review their strategies. Ancient goods, previously appreciated, now they must be renewed To combine the new standards. Without this, borrowing to invest in rent properties could become an impossible mission for some profiles.

Simulates your loan capacity

Solutions to get around the problem of thermal columns

Even if the situation seems complex, there are solutions to bypass the problem of thermal coffers and obtain funding for these goods, provided that you prepare your project well.

1. Take the energy renovation work

The first solution is to predict Energy renovation work As soon as the property is purchased. Many banks are ready to finance the acquisition of thermal Colans if the borrower undertakes to improve the energy performance of the accommodation. For this, it is essential to establish a solid and encrypted renovation plan. This may include:

• Thermal insulation walls and attic
• Replacement of the window
• Installation of a more efficient heating system (Heat pump, condensing boiler, etc.)
• The use of renewable energylike the addition of solar panels

By showing the banks that the work is foreseen, not only you could get a loan, but also benefit from more advantageous rateor even zero credit lines –rate Dedicated to the renewal of energy.

2. Take advantage of financial aid and subsidies

To lighten the cost of labor, buyers can also benefit from several financial help and public subsidies. Among the most popular devices, we find:

• Maprimerine ‘ : This help allows you to finance part of the energy renewal work. It is accessible to all owners, both occupants and donors.
• Energy saving certificates (EEC) : The energy companies participate in the financing of some works in exchange for certificates.
• The zero eco-loan rate (Eco -ptz) : This loan allows you to finance the energy renewal work without paying interest.

These aid can significantly reduce the financial effort necessary to create an eco-sensitive property and increase the chances of obtaining a mortgage.

3. Advance the rise of bank requirements

For investors, it is imperative see forms Before investing in the real estate sector to fully understand the challenges of energy performance. The purchase of a serious evaluation without providing a renewal could become a true short and medium -term financial burden. Discover future regulations, market developments and financing solutions are more essential for Invest in the real estate sector in a lasting and profitable way.

Simulates your loan capacity

What future for thermal Colans?

The fate of the thermal Colans is sealed: without renewal, these goods will gradually marginalized on the market. The owners who do not adapt can risk losing value and attractive for rent. Invest in renewed or ready to be It is therefore the key to exploiting the real estate market in the coming years.

However, for buyers motivated by the acquisition of these assets that consume energy, there are still opportunities, provided that you provide energy improvements. Banks, aware of market developments, tend to encourage these ecological projects, allowing some profiles to obtain advantageous financing conditions.

Don’t leave your loved ones in ignorance On the impact of energy performance in obtaining real estate loans. Share this article and let us know your experiences and questions in the comments!