For permanent comfort in the house, it is sometimes essential to carry out renovation work. Such a project generates relatively high costs. It is therefore essential to prepare financially before starting the work. Focus on how to estimate the cost of these works and what are the existing aid mechanisms to finance them.

Renovation project: How to estimate the cost?

One of the first things to do in a renovation project is to estimate the cost. This way, the best solutions for financing the project will be easier to find.

Starting with the objectives of the renovation, a list of the work to be done should be developed. It is important to evaluate the necessary changes to be made to the house. Simple alterations to the house to give it a facelift will cost between **100 and 300 euros **for each square meter.

If it is a complete renovation, the budget varies between 500 and 1,100 euros for each square meter. It should be remembered that these include the :

  • complete renovation of the bathrooms,
  • renovation of the electrical network,
  • modification of the water supply system, etc.

Sometimes it is necessary to include in the project, the optimization of its energy performance. This concerns the thermal insulation system in general. Such work will cost between 200 and 400 euros for each square meter. Of course, this depends on the chosen energy class (D or B).

For very large renovations, you should plan for 1,000 and 1,500 € per m2. Such work will affect the structure of the house as well as its electricity, water and** gas supply networks**.

Once you have estimated the costs, it will be easier to decide whether to hire a professional or to carry out the work yourself.

renovation loan

How to finance the work?

Ideally, you should be able to finance the renovation work yourself. Unfortunately, this is not always possible even though the needs are present. It will then be necessary to resort to public or private financing mechanisms.

Use of renovation aids

There are several mechanisms of aid for renovation. These are created by the State in order to facilitate such works in the framework of the energy transition. This table summarizes the subsidies that are available.

Types of aid


Conditions of granting

Zero interest credit


  • acquisition of an old property
  • cost of renovation amounting to at least 25% of the total budget
  • property in zone b2 or c.


Modest households only.

Proportional to the cost of the project within the limit of 18 000 €.

Action Logement credit

Private employees only.

100% of the cost of work under 10 000 €.

10% VAT reduction


Execution of the work by a professional.

Aids of the CAF


Advantageous credit covering up to 80% of the cost of work under €1,000.

Aid from local authorities

To be discovered in your locality


Using the energy renovation aids

Within the framework of the work of optimization of the energy performance, the owner of a principal residence can resort to the helps. It is among others :

  • the eco-PTZ: 30 000 € maximum
  • maprimerénov’ which are variable aids
  • the energy bonus with energy saving certificates
  • VAT at 5.5% for work carried out by a professional
  • exemption from property tax depending on the community, etc.
  • etc.

All these financing are also conditioned and may not be sufficient. However, second homes are eligible.

Renovation credits: which one to choose?

Very often, despite the **granting of aid for the renovation of a house or apartment, it is necessary to apply for a loan. Different credits exist and it is advisable to choose the most suitable one. In order to exclusively finance the renovation of a property, the Affected Work Loan is an excellent choice. Its ceiling is 75 000 euros and is of course conditional. Proofs must also be presented. In order to finance the renovation of a property without receipts, the unrestricted Personal Loan is the best choice. Its ceiling is also 75 000 euros. To acquire a property or to finance renovation work** in excess of 75,000 euros, the Real Estate Loan is the most recommended. Supporting documents must be produced and presented to the bank.

Where and how to find a good credit ?

There is no doubt that credits are granted by banks. The best home improvement loans can be found on credit comparators. These platforms have calculators that help both individuals and professionals to determine the credit offer that suits them. The** future borrower** must provide the calculator with the amount he/she needs to borrow. He/she is also required to provide the length of time he/she plans to repay the loan. The result obtained will take into account all additional costs. Any home improvement loan simulation must also take into account the debt ratio. The latter must not exceed 33% of the total income. For this purpose, you must pay attention to the credits already in progress.