Financial assistance to renovate your bathroom

Financial assistance to renovate your bathroomDiscover all the financial help to renovate your bathroom: ANAH help, tax credit, zero-rate eco-loan… My Allocs tells you everything.

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Help from the National Housing Agency (ANAH)

What is it about ?

ANAH created the program “Live better”, intended for households with modest means. Applies to owners or tenants. They do not only refer to energy renovations.

In fact, thanks to this help, you can finance your installations: shower cabins, toilets, etc.

What are the conditions for using ANAH?

ANAH suggests that you compare your reference tax income with the upper limits set to benefit from it. To qualify for ANAH assistance, you must meet the eligibility requirements:

  • Accommodation must exist for more than 15 years,
  • It must be the main residence of the senior citizen or person losing their autonomy and, where applicable, the employee accommodating their parent;
  • It must be located in a private park;
  • On French territory (mainland or DROM);
  • You have not received state support in the last 5 years,
  • You have to do plumbing work (installation of bathroom, toilet, etc.).
  • the work must be carried out by a Qualibat certified specialist.

Please note: ANAH assistance cannot be combined with the energy bonus and other subsidies from the energy saving certificate system. However, they can be combined with the Energy Transition Tax Credit (CITE) and the zero-rate eco-loan.

This funding may benefit from a government bonus. This is a “bonus for a better life”. It is awarded if the renovation works reduce energy consumption by 25% (change of the hot water preparation system).

Who can benefit from these subsidies?

  • Retired from companies in the private sector (including agriculture) aged 70 and over;
  • An employee or pensioner of a private sector company in a situation of loss of autonomy;
  • A person aged 70 and over who lives with a parent employed in a private company;
  • Landlord owner and his tenant.

What work is acceptable?

In addition, ANAH can provide assistance dedicated to improving your home to accommodate your advanced age. This work may include:

  • replacement of a bathtub for a shower cabin,
  • changing your sink to one without a leg,
  • installation of a mixer, so that the water is not too hot or too cold,
  • etc.

In addition, the work must be performed by specialists with Qualibat certification, except in the case of self-rehabilitation monitoring.

What is the amount of the aid?

The minimum price of the works is €1,500. ANAH can finance up to 50% of the total amount of your work tax-free. A total of €5,000 can be approved per accommodation and household.

Not to mention, within 50% of the price of the main works, the financing of works such as: shower chair, floor and wall coverings, security lighting, etc.

ANAH assistance is generally paid after the works are completed. However, sometimes a down payment or deposit may come into play.

State aid

Eco loan with zero rate

This aid finances renovation work carried out by a plumber. It must have the RGE (Recognized Guarantor of the Environment) mark. If there are additional works, the master will help you identify them.

More precisely, the work must relate to the production of domestic hot water.

If you want to borrow up to 30,000 euros, using an eco-credit with a zero interest rate, you must carry out insulation work (offered in packages). Furthermore, you can also achieve a level of overall energy efficiency that must be assessed by the thermal design office.

Home improvement loan (PAH)

These funds are allocated by the Family Allowance Fund (CAF) or the Agricultural Community (MSA). These are the works:

  • repair,
  • improvement,
  • sanitation,
  • thermal insulation.

The interest rate is 1%. It is repayable in 36 monthly installments. In addition, its maximum amount of €1,067.14. So credit represents 80% of your plumbing work.

Tax relief for work on accessibility

This is the tax system that applies to incorporation:

  • shower cabin, bathtub,
  • shower door,
  • wall seats,
  • bathtub lift,
  • etc.

Elderly people and people with disabilities can benefit from it. The tax relief applies to the purchase of equipment and installation. This leads to compensation of up to 25% of the amount of expenses you incurred for the work.

CAF loan for housing improvement

What is it about ?

In addition to PAH, CAF also gives tenants and owners access to home improvement loans. Applies to:

  • improvement,
  • sanitation,
  • repair,
  • adaptation of your home.

This loan can cover up to 80% of costs, at a rate of 1%. However, it must not exceed 1,000 euros.

What are the conditions for obtaining it?

Unless the user is OSRH, this loan does not require a means test! However, it is awarded to you based on available funds.

You can also apply for cumulative assistance for bathroom renovation.

Reduced VAT rate

VAT at a reduced rate of 10% applies to the following equipment:

  • sanitary equipment (bathtubs, shower screens, toilets, etc.);
  • heating devices (towel dryers) or hot water production;
  • built-in furniture (under certain conditions).

What are the conditions for obtaining it?

  • Your accommodation must have been completed more than 2 years ago,
  • The work must be performed by a professional (the reduced price applies only to invoices issued by a professional),
  • They must relate to your main residence,
  • Expenses are limited to €5,000 for a single person and €10,000 for a couple, with an increase of €400 per dependent.

In terms of administrative procedures, you must declare your expenses eligible for tax relief in your income tax return. If you are not a taxpayer, the money will be returned to you.

Assistance from pension funds

Depending on your situation, you may be eligible for this assistance. In fact, your pension fund can partially finance your work. He can also grant you a loan for work on the adaptation of your home (installation of a shower cabin, raised toilet, anti-slip floor covering, etc.).

Each pension fund has its own conditions for receiving aid. Find out more from the organization you are affiliated with.

“Prevention Kit”

It is intended for people over 55 years old. It is a lump sum that is added to the ANAH aid. The request is submitted to the pension funds.

Help with housing

With this help, accessibility works are covered up to 50% of their amount, within a limit of €3,500. If your resources are high, the limit will be reduced.

  • A maximum of €3,500 for a single person whose gross monthly income is less than €902 (€1,563 for a couple).
  • €3,000 for a single person, earnings less than €1,150 (€1,835 for a couple)
  • €2,500 for resources under €1,435 (€2,153 for a couple).

Operation “Good at home”.

This assistance is intended for former employees in the private sector. You must request this from Agirc-Arrco.

  • be 75 or older,
  • No resource requirements.

It includes funding for a home visit from an occupational therapist, who will help you determine what needs to be done to make your daily life easier.

You just need to pay the remaining €15.

Other help available

Departmental assistance

For the most dependent elderly (and over 60), the department may pay a Personalized Autonomy Allowance (APA) for home help. It is awarded without financial conditions and can finance:

  • installation of a remote assistance system,
  • handles,
  • etc.

Please note: if your income is high, the amount of assistance will be low.

Help from local authorities

If you are a disabled person and want to carry out energy renovation work, local help may be available. And that at the level of the municipality, department or region.

The conditions for obtaining it differ depending on the community. You also need to know the list of acceptable jobs and the procedures to be followed.

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