The Credit Works, What Is It?

The cost of work in a home has constantly grown over time, like the price of real estate. Today, it represents a heavy expense for anyone wanting to embark on a renovation, expansion or energy improvement of its premises. A critique at

The use of the loan has thus become an accessible, simple, fast and flexible response, particularly with the work credit. This credit is provided on demand by banks, financial institutions, brokers or aid structures. You can get from them up to 75000 € for a maturity of more than 10 years. The rate applied to this loan is generally higher than that of other credits. However, this loan has many other benefits that result from its characteristics, these conditions of granting, tax credits they provide and its terms.

The credit works, what is it?

The work credit is allocated to financing the expansion, renovation, thermal insulation of a house or the adaptation of housing to the disabled. It affects all types of constructions or works depending on an existing property. If you are looking for a loan to build a veranda, kitchen, bathroom or make some embellishments or decorations, you can validly apply for a credit works. However, it is important to learn, because some loans exclude so-called outdoor work such as the fence, terrace and anything that is not directly associated with housing.

The credit works can be a credit assigned to shares agreed in advance with your creditor. You must produce proofs detailing the project to be carried out and the unblocked loan will be used to pay the cost of the work.
The loan works can be a personal credit and in this case, you must only meet the conditions of resources, records and solvency to quickly benefit.

For unrestricted credits, the amounts allocated range from € 1,000 to € 75,000 with a repayment period ranging from 12 to 180 months. It should be noted that the features may change depending on the lender.

What types of work loans and works are funded?

We can distinguish work credits according to the lender. So we have:

  • bank loans in which one counts the housing savings loan associated with a savings, the personal loan works without justification of use, the loan with zero rate (PTZ) related to the interventions of saving energy of the building.
  • loans provided by aid structures such as eco-loan work (intended for the ecological renovation of buildings), housing renovation loan, the social accession credit for first-time buyers and the loan of the agency National Housing (Anah).

Expenditures that can be financed by these credits can be classified in 3 categories. Adaptation-related expenses to improve access to the premises described in Schedules 1, 2 and 3 of the Order of September 30, 1987, maintenance expenses and expenses for the beautification of housing. Among the accessibility and adaptation works, we have:

  • priority work on the building, motivated by considerations of safety, security, etc.
  • work on minimum standards of habitability, decorative work and those aimed at improving daily life in the building
  • works to allow the habitability and access of people with reduced mobility. They give right to an exemption on the intermediate rental ceilings (PLI).
  • energy efficiency of housing (improvement of heating, thermal insulation, installation of solar panels …).

Maintenance expenses are used to maintain the facilities (electrical, sanitary, gas …) and housing (ceiling, floor …) in good condition so as to keep its original consistency and equipment in good condition.
In addition, some light home improvements can benefit from Anah subsidies. They are in the field of safety, health, energy performance and personal autonomy.


The work credit is issued to natural persons who are the owners and occupiers, lessor or tenant of a dwelling. These persons must not have at the time of the application a file with the commission of overindebtedness of the Bank of France. An application can be made between two with a borrower and his co-borrowing.
Most loans are intended for main residences with often, the obligation for the beneficiaries to occupy the premises a minimum number of months per year from the end of the work. But there are credits for second homes under certain conditions. In all cases, housing must be located on the French territory (metropolis or other sea areas).

To obtain a work credit, you must demonstrate your ability to repay it in the terms of your commitments. A borrower on a permanent contract or with rental income and any other regular income will have a priori more credibility with a bank. An up-to-date borrower can accumulate a work loan with other loans and grants such as the eco-loan at a rate of 0, the development loan; only, its borrowing maximum will be reduced by the principal due, which remains of its first loan.

The rate, cost and reimbursement of a work loan

You can estimate beforehand the cost of a desired work credit. The actual cost of the credit to be repaid is the difference between the required capital and the additional costs that include the nominal credit rate, the loan file fees and the insurance taken out. Of these elements, depends the level of the annual percentage rate of charge (APR) given by each lender.
The repayments are made in monthly installments composed of a share of capital and the other part of the cost of credit. In some cases, one may pledge to pay the amount of the capital at the end of the term of the credit while continuing to reimburse each month the costs related to the APR. It is also possible to arrange your payments according to the evolution of your financial health. But in the event of termination of the occupation of the premises as principal residence as previously agreed, the creditor may require the outstanding capital to accompany or no penalty.


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