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Energy renovation work on main residence

Triggering events The date of the invoice for the work or the date the estimate was accepted
Main conditions The work must be carried out by professionals:
  1. Renovation work aimed at improving the property’s energy performance, as specified in a limited list:
    2. - thermal insulation of the roof
    - thermal insulation of exterior-facing walls
    - replacement of at least half of the single-glazed windows with double glazing and replacement of exterior doors
    - insulation of lower floors
    - installation or replacement of a heating system or domestic hot water system
    - installation of heating equipment using a renewable energy source
    - installation of domestic hot water equipment using a renewable energy source
  2. Work that qualifies for government assistance (such as the MaPrimeRénov scheme).
  3. Work that enables the property to achieve a minimum overall energy performance.
  4. Rehabilitation of non-collective sanitation systems. The new system must not consume energy and must comply with specific technical requirements.
Rights related to fund release Rights acquired before the triggering event:
- Profit-sharing, incentive bonuses (and any matching contributions) allocated to the saver and relating to financial years closed as of the date of the triggering event.
- For other contributions (and any matching contributions), only the assets recorded in the account as of the date of the triggering event are eligible for release.
Supporting documents, depending on your situation Paid invoice or accepted, dated, and signed estimates related to the energy renovation work on the property, specifying the amounts and the nature of the work

And the relevant forms such as “entreprise individuel action métropole,” “Entreprise Performance Globale,” “Entreprise Assainissement (métropole et Dom),” “Entreprise réalisation d'une ou plusieurs actions de rénovation énergétique (Outre-mer),” and/or “Entreprise Performance Globale (Outre-mer),” completed by professionals, or proof of MaPrimeRénov’ grant allocation

If a loan is involved:
The loan offer or a financing plan from the credit institution, which must specify:
- The purpose of the loan,
- The location of the work,
- The loan amount,
- The amount of public aid,
- The amount of employee savings to be included in the calculation of the personal contribution.
- The amount of early release from employee savings cannot exceed the personal contribution (the personal contribution can therefore be fully financed by the employee’s savings)

And a sworn statement by which the beneficiary commits to providing supporting documents and, if necessary, to returning the released funds should the event not occur

If no loan is involved:
- A sworn statement from the employee must be attached to the release request, indicating that the released funds are intended to finance energy renovation work in their primary residence.
Deadline for submission of supporting documents 6 months from the triggering event (applicable to events occurring after the entry into force of decree no. 2024-690 of 5 July 2024, i.e., from 7 July 2024 onwards)
Excluded events (non-exhaustive list) Work carried out by the individual themselves is not permitted. The work must be carried out by qualified professionals who are “Recognised as Environmental Guarantors” (RGE), and these professionals must also supply the materials.