We hear enough about the rise in the cost of energy and taxes in France at the turn of 2014, to drag out its plans for expansion work, insulation...
Because when a home is no longer suitable for various reasons, it can be improved instead of moving, it is better not to deprive yourself since real aid exists to finance it.
Besides, you might as well achieve them as soon as possible rather than after the increases planned for 2014:the rates are currently at their lowest.
All this information was given to me by my adviser to convince me to start my work before the end of 2013... a tween campaigning for dormitory independence, and my wife pouring herself into the manual arts to combat her midlife crisis, two more pieces won't be too much.
In short, my banker had advised me that the FFB (French building federation) announced an increase in VAT to come on the works for 2014:an increase which will raise the percentage to 10%! So if you want some advice (as my dear advisor would still say):the work is now. To benefit from (relatively) reduced rates, they must be carried out and invoiced by a professional before December 31, 2013.
The cost of energy for heating continues to rise:we have all already felt the significant increase in electricity prices since August 1, 2013. No respite, however, suppliers are planning a new increase announced for 2014!
Thus, more than ever, the zero-rate eco-loan (from its little name EPZ or EPZ +) is a topical solution for financing work relating to energy savings. For my part, if I undertake extension work, this does not prevent me from looking into alternatives in terms of improving the insulation in the rest of the house:I might as well kill two birds with one stone. .
Either way, new parts being built will benefit from this progress. In addition, many aids are offered to best finance this type of work, in particular the Sustainable Development Tax Credit (act for the planet!).
Once the decision has been made, it is possible to obtain information first from your banking institution, as I did, but it is also necessary, whatever the nature of the work envisaged, to have elements of comparison at your disposal by canvassing other banks.
In order to get an idea of the different credit offers, there are simulation tools on the net such as the Assured Finance simulator site. These engines will allow you to take stock of your work project based on several criteria (estimated cost, personal contribution, etc.) and thus compare the financing offers of the various banking institutions listed.
This is only a draft, because your financial situation will be studied more precisely by the bank you have chosen:in the meantime, the simulation is essential to see more clearly in its project.
