In terms of thermal renovation, it is essential to learn about the financial aids available, particularly those offered by the ANAH (National Agency for Housing). In 2025, these aids primarily target homeowners wishing to improve the energy efficiency of their housing. Whether you are a landlord or an occupant, several schemes can ease the cost of renovation works, especially those related to improving the heating system. This article reviews the main aids from the ANAH, highlighting the income conditions to be met and the different types of eligible works.
Understanding ANAH heating aids
Diagnosis, planning, execution… The path to successful renovation is often fraught with obstacles, particularly financially. The ANAH offers several aid programs to support homeowners in their efforts. Among the best-known schemes are MaPrimeRĂ©nov’ and MaPrime Logement DĂ©cent, which aim to reduce the cost of heating, insulation, and other energy improvements.
MaPrimeRĂ©nov’: an essential aid for renovation
MaPrimeRĂ©nov’ is one of the flagship aids of the ANAH. Available to both landlord and occupant homeowners, it allows financing for energy improvement works. Whether you wish to replace an old heating system, improve the insulation of your walls, or install double-glazed windows, this grant can cover a significant portion of the costs.
Eligibility conditions
- The concerned housing must be completed for more than 15 years.
- The works must be carried out by RGE (Recognized Guarantee of the Environment) professionals.
- Households must meet specific income conditions to benefit from the maximum amount of aid.
The amount of MaPrimeRĂ©nov’ varies according to the taxable income reference of the household. In 2025, specific scales apply depending on whether the household belongs to the very modest, modest, or intermediate category.
| Income category | Maximum aid amount (€) |
|---|---|
| Very modest | 20,000 |
| Modest | 15,000 |
| Intermediate | 10,000 |
MaPrime Logement DĂ©cent: fighting against the indecency of housing
This aid aims to rehabilitate housing considered as indecent. This includes works for heating to ensure dignified living conditions. The grant can cover up to 70% of the total cost of the works, but it is essential that the housing meets minimum safety and health standards.
Complementary schemes to improve your heating
Beyond the aids from the ANAH, several schemes make renovation works more financially accessible. These aids are often cumulative, providing an additional advantage to homeowners wishing to improve their habitat.
The Loc’Avantages scheme
Loc’Avantages, in effect until the end of 2027, offers tax reductions to homeowners who rent their property at a moderate price. This scheme is particularly advantageous for landlords wishing to carry out renovation works, as it allows them to deduct up to 65% of their rental income depending on the level of rent applied.
Associated tax benefits
- Tax reduction of up to 65% for very moderate rents.
- Commitment to rent the property for a minimum of 6 years.
The zero-interest eco-loan (Ă©co-PTZ)
This aid allows financing the remaining charge after an ANAH grant. Depending on the nature of the works, it is possible to obtain up to €50,000 interest-free, repaid only according to the energy savings achieved. This loan is accessible to all homeowners wishing to improve the energy performance of their habitat.
| Type of works | Maximum eco-PTZ amount (€) |
|---|---|
| Complete energy renovation | 50,000 |
| Thermal insulation | 30,000 |
Income conditions to be respected
To benefit from the aids from the ANAH, it is imperative to respect specific income conditions. These conditions vary depending on the income category of the household.
Income thresholds
The income ceilings differ depending on whether you reside in ĂŽle-de-France or in the rest of the country. Here is an overview of the amounts to be respected in 2025.
| Household composition | Ceiling outside Île-de-France (€) | Ceiling in Île-de-France (€) |
|---|---|---|
| 1 person | 22,015 | 28,933 |
| 2 persons | 30,844 | 40,404 |
| 3 persons | 38,719 | 51,000 |
Check your rights before starting your work
Before undertaking renovation works, it is crucial to assess your eligibility. In 2025, significant aids are available to homeowners who meet these criteria, thereby facilitating the energy transition.
Works eligible for ANAH aids
At the heart of these aids are works related to improving energy efficiency. What interventions can be financed by the ANAH? Here is a list of eligible works.
- Replacement of old boilers with high-performance equipment.
- Insulation works: walls, attics, windows.
- Installation of mechanical ventilation systems.
- Global renovation to improve energy performance.
In the perspective of energy transition, it is essential to ensure that your housing reaches a satisfactory energy classification, especially to avoid penalties from future regulations.
FAQ
What documents are required to apply for aid?
To apply for aid from the ANAH, you must prepare various documents such as your tax assessment, proof of residence, and possibly technical diagnostics like the DPE.
How can I know if I am eligible for the aids?
You can check your eligibility directly on the ANAH website or use an online simulator. A consultant can also assist you in this process.
Are the aids cumulative?
Yes, many ANAH aids can be combined with other schemes like CEE grants or the zero-interest eco-loan, which can reduce the total cost of works.
What is the validity period of the aids?
The aids are generally granted under certain conditions and for projects completed within a specified timeframe, often three years after obtaining the aid. Be sure to respect these deadlines.
How can I track ecological aids?
Homeowners can track the progress of their file via their online account on the ANAH website and check the information related to their ongoing aids.