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The document provides an illustrative format for presenting loan portfolios to investors, focusing on characteristics and statistics of the Hauts-de-France Pass Rénovation program (SPEE). It highlights key figures based on data from the Service Public de l’Efficacité Energétique (SPEE), emphasizing its impact on energy consumption reduction, CO2 emissions, job creation, and local economic development. It also includes analyses of collateral characteristics, prepayment rates, delinquencies, defaults, and restructured loans, aligning with the program’s goal of fostering sustainable real estate development in line with UN Sustainable Development Goals 13, 7, and 8.

Working group on the use of the ERDF to promote efficient energy renovations of private residential properties. Coordination of exchanges with the National Agency for Territorial Cohesion and DG Regio, the management authorities of the regional councils on the use of the ERDF

The French Climate and Resilience Bill, adopted by the Parliament on 20 July, includes a set of measures to boost energy-efficient renovations and, in particular, the definition of consumer support missions. In addition to the individual contributions to the preliminary consultation launched by the Ministry of Ecological Transition, the partners of the ORFEE project and of the PUCA programme dedicated to global approaches to energy renovation of private housing, present their feedback on the support of households in this note, extracted from the current survey on the attractiveness criteria of their offers.

This benchmark aims to carry out an inventory and critical analysis of existing initiatives in the field of quality control and compliance of high-performance renovation works in residential buildings in Europe.

Among the set of public policy measures recommended by the European Energy Performance Building Directive, One-stop-shops for housing energy-efficient renovations (OSS) are outlined as “accessible and transparent advisory tools“, playing the role of a “trusted third party” and “aggregating housing renovation projects”. However, the existing one-stop shops do not correspond to a standardised service offer, neither to energy savings thresholds, technical criteria, or quality of renovation specifications.

According to the European Climate Neutrality Observatory, “progress on buildings has been far too slow” and achieving the zero-emission building stock by 2050 target means Member States have no time to lose. The recent adoption of two major directives for the European Green Deal (the Energy Efficiency Directive and the Energy Performance of Buildings Directive) has given Member States a framework for reducing emissions and energy use in buildings across the EU, together with new targets, policies and tools. Among other things, both Directives recognise one-stop shops (OSS) as a major tool for boosting home energy renovation. OSS offer an integrated service package that makes the complex renovation process more attractive, simpler and accessible to all homeowners. They all pursue a common objective: boost home energy renovation by supporting homeowners in their renovation journey. Building on the experience and lessons learned ‘in the field’ by the five French Third-Party Financing companies (a specific local OSS model), SERAFIN association drafted key recommendations for Member States wishing to create a dream country for OSS. Here is what Member States should do!

The document aims to achieve the goal of providing a refinancing solution for STF’s building renovation loans. It involves analyzing the business model and operational setup of the “Service Public de l’Efficacité Energétique” (SPEE) in Hauts-de-France, exploring a financial structure to refinance SPEE’s direct loans. The findings highlight challenges in SPEE’s loan origination process, marketing strategy, and loan administration procedures. Additionally, it discusses the potential use of the securitization market for refinancing.

This is precisely the purpose of the methodological guide, which describes the pathways and factors for success, as well as the limits and drawbacks of setting up an integrated home renovation service. The aim of this guide is to present the existing TPFC and their role (part 1), explain how they operate (part 2), and help public players, particularly local authorities, set up a TPFC in their area if the conditions are right (parts 3 and 4). SERAFIN wants to make these elements available to as many people as possible, so that, in a near future, they become the norm in the renovation market.