{"id":55473,"date":"2024-11-14T10:16:42","date_gmt":"2024-11-14T10:16:42","guid":{"rendered":"https:\/\/technopolis-group.com\/?p=55473"},"modified":"2024-11-14T10:17:48","modified_gmt":"2024-11-14T10:17:48","slug":"nouvelle-etude-pour-lademe-comprendre-et-agir-contre-la-precarite-energetique","status":"publish","type":"post","link":"https:\/\/technopolis-group.com\/fr\/nouvelle-etude-pour-lademe-comprendre-et-agir-contre-la-precarite-energetique\/","title":{"rendered":"Nouvelle \u00e9tude pour l\u2019ADEME : Comprendre et agir contre la pr\u00e9carit\u00e9 \u00e9nerg\u00e9tique"},"content":{"rendered":"\n<p>Technopolis Group a eu l\u2019honneur de collaborer avec l\u2019ADEME sur <a href=\"https:\/\/librairie.ademe.fr\/societe-et-politiques-publiques\/7434-financement-de-la-renovation-des-logements-des-proprietaires-occupants-en-precarite.html\">une \u00e9tude strat\u00e9gique visant \u00e0 analyser l\u2019efficacit\u00e9 des dispositifs de financement de la r\u00e9novation \u00e9nerg\u00e9tique<\/a>, notamment le <em>Pr\u00eat Avance R\u00e9novation<\/em> (PAR). Dans un contexte o\u00f9 la lutte contre la pr\u00e9carit\u00e9 \u00e9nerg\u00e9tique est cruciale, cette \u00e9tude s\u2019inscrit dans une d\u00e9marche d\u2019\u00e9valuation des freins et des opportunit\u00e9s pour permettre \u00e0 davantage de m\u00e9nages modestes d\u2019acc\u00e9der aux aides disponibles.<\/p>\n\n\n\n<p>Des millions de m\u00e9nages souffrent de logements mal isol\u00e9s et d&rsquo;un acc\u00e8s difficile \u00e0 une \u00e9nergie abordable. Il est plus que jamais crucial de proposer des solutions viables pour am\u00e9liorer leur confort tout en r\u00e9duisant leur consommation \u00e9nerg\u00e9tique.<\/p>\n\n\n\n<p>Cette \u00e9tude s\u2019est concentr\u00e9e sur le<em> Pr\u00eat Avance R\u00e9novation<\/em> (PAR), un m\u00e9canisme con\u00e7u pour soutenir les m\u00e9nages modestes dans leurs travaux de r\u00e9novation \u00e9nerg\u00e9tique. Nous avons cherch\u00e9 \u00e0 comprendre les freins \u00e0 son utilisation et \u00e0 identifier les opportunit\u00e9s pour le rendre plus accessible et plus efficace.<\/p>\n\n\n\n<p>Le <em>Pr\u00eat Avance R\u00e9novation <\/em>reste aujourd&rsquo;hui une option peu exploit\u00e9e. Beaucoup de m\u00e9nages h\u00e9sitent \u00e0 souscrire en raison du remboursement in fine, pr\u00e9vu lors de la vente ou de la succession. Cependant, avec l\u2019introduction d\u2019un PAR \u00e0 taux z\u00e9ro, permettant un pr\u00eat sans int\u00e9r\u00eats pendant 10 ans, nous esp\u00e9rons voir cette dynamique \u00e9voluer.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">R\u00e9sultats de l&rsquo;\u00e9tude<\/h2>\n\n\n\n<p>Parmi les principaux obstacles relev\u00e9s, on trouve la r\u00e9ticence des m\u00e9nages \u00e0 engager leur patrimoine pour financer des travaux. La peur de laisser une dette \u00e0 leurs descendants, combin\u00e9e \u00e0 la complexit\u00e9 du m\u00e9canisme hypoth\u00e9caire, est un frein majeur. Il devient donc essentiel de renforcer la sensibilisation et d&rsquo;offrir un meilleur accompagnement pour lever ces inqui\u00e9tudes.<\/p>\n\n\n\n<p>Les banques, quant \u00e0 elles, restent prudentes face au produit. La gestion fiduciaire et les potentiels conflits avec les h\u00e9ritiers compliquent sa diffusion. Toutefois, la Loi de finances pour 2024 pr\u00e9voit des incitations fiscales, notamment un cr\u00e9dit d\u2019imp\u00f4t pour les banques qui distribuent le PAR \u00e0 taux z\u00e9ro, ouvrant la voie \u00e0 une meilleure adoption.<\/p>\n\n\n\n<p>Nos recommandations visent \u00e0 simplifier le PAR, \u00e0 encourager les banques \u00e0 le promouvoir davantage et \u00e0 mieux accompagner les m\u00e9nages dans ce processus. Des efforts de communication cibl\u00e9e et une collaboration accrue avec les op\u00e9rateurs locaux sont \u00e9galement n\u00e9cessaires pour maximiser l&rsquo;impact de ce dispositif.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Technopolis Group a eu l\u2019honneur de collaborer avec l\u2019ADEME sur [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[4],"tags":[],"solution":[111],"sector":[175],"class_list":["post-55473","post","type-post","status-publish","format-standard","hentry","category-non-classifiee","solution-strategic-studies-fr","sector-green-economy-fr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Nouvelle \u00e9tude pour l\u2019ADEME : Comprendre et agir contre la pr\u00e9carit\u00e9 \u00e9nerg\u00e9tique - 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