Copropriétés – comment profiter de l’éco-PTZ

Depuis plusieurs années, les efforts des gouvernements successifs portent sur les économies d’énergie. En effet, avec l’épuisement des ressources énergétiques et leur coût, un des leviers sélectionnés par nos dirigeants pour améliorer le niveau de vie du Français moyen, avec une incidence non négligeable sur notre balance extérieure, porte sur cette économie. Une action qui, en outre, permet un entretien intéressant de votre patrimoine immobilier, si vous êtes concerné. Si ce dispositif s’appliquait aux ménages, il étend désormais son champ d’action pour se mettre au service des copropriétaires.

En quoi consiste cet dispositif ?

Il permet, aux syndicats de copropriétaires, d’obtenir un prêt à taux zéro, de la part de banques ayant signé une convention avec l’Etat, dans ce cadre. Selon le nombre d’actions retenues en termes de travaux d’économie d’énergie, le montant varie : de 10.000 euros maximum remboursables sur 10 ans (par logement), sans intérêts, pour une action, à 30.000 euros sur 15 ans, pour un bouquet de 3 actions ou une performance globale, en passant par un prêt de 20.000 euros sur 10 ans pour 2 actions.

Quels bâtiments sont concernés ?

Contrairement à l’éco-ptz individuel, ce dispositif peut entrer en vigueur pour une seule opération d’amélioration de performance énergétique. Il s’adresse aux copropriétaires de logements principaux et concerne les parties communes, ainsi que les parties privatives présentant un intérêt collectif de rénovation. Les travaux du bâtiment doivent avoir été réalisés avant le 1er janvier 1990 pour entrer dans le champ d’application de cette nouvelle mesure. Pour le cas de performance énergétique globale, la date de construction du bâtiment est restreinte à après le 1er janvier 1948.

Comment préparer son dossier ?

Le syndic représentant les copropriétaires doit remettre un projet de contrat à une banque partenaire. Présenté ensuite en assemblée générale de copropriété pour être validé, chaque copropriétaire a la possibilité de souscrire ou de ne pas souscrire à cet éco-ptz, « dans la limite de sa quote-part des dépenses éligibles ». Le syndic remet ensuite le dossier à la banque, auquel sont joints les devis, le procès verbal de l’assemblée générale lors de laquelle ont été décidés les travaux et le procès verbal de l’assemblée générale lors de laquelle les souscripteurs se sont déclarés.
Le syndicat des propriétaires dispose, ensuite, d’une période de 3 ans pour réaliser lesdits travaux, à partir de la date d’émission du projet.
Le « Plan Bâtiment Durable », très concerné par le sujet a déclaré organiser le recensement de ces opérations et l’émission de ces actions.

Quelle date d’entrée en fonction pour cette mesure ?

Paru le 31 décembre 2013, au Journal Officiel, ce prêt est donc entré en vigueur au 1er janvier 2014. Il reste maintenant, à chaque syndicat de copropriétaires, à se mobiliser pour en profiter. A vous de faire avancer les dossiers.

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55 thoughts on “Copropriétés – comment profiter de l’éco-PTZ
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  • 13 avril 2017 at 5 h 36 min
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