Tribune. War in Ukraine, IPCC Report [Intergovernmental Expert Group on Climate Change], Soaring Energy Prizes: Recent news stresses the extent of our dependence on fossil energies. Beyond the initiatives we are going to take at the service of energy sovereignty, the main response remains the decline in our consumption. However, to achieve this, lower the heating or rely on the only Spring Redoux will not suffice.
We will have to do more, and quickly, to achieve a lasting solution with the concrete tools we have today. It starts with us, in our homes. The observation is known: housing is the first energy consumption position in France, half of these housing is heated to gas or oil, and our country has 4.8 million “thermal coasters” .This energy bankruptcy and climatic Double with a social injustice: the majority of these colanders is owned by modest and old households. In total, more than twelve million French people are already struggling to heat up. They will be more numerous to give up it over the energy crisis.
However, the solution is obvious: we must rehabilitate these dwellings, but it is expensive, and most homeowners can not borrow to carry out the work. However, to renovate massively, it is necessary to finance heavily while protecting the most precarious and the balance of public finances, the use of the grant can not be the only answer.
Climate justice tool
Solve this equation took time, but today we have the hope of doing it. Following collective work with representatives of citizens, elected officials, bankers, energy and renovation companies, we found an ecologically relevant, socially fair and financially effective solution. : The “ready renovation” loan.
This new device – already distributed by two large French banking networks [Crédit Mutuel and the postal bank] – allows to have an advance to carry out thermal renovation work and to reimburse the bank only when The accommodation is sold, with the product of the sale. By limiting the owner’s expenses only interests, the renovation advance loan makes the thermal renovation accessible to the most modest households and the hardest affected by the energy crisis. It is a tool of climate and social justice.
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