2023-12-29 12:59:21
France is aging, and housing is not adapting: in 2050, one in three French people will be over 60, with a sharp increase in people losing their autonomy according to INSEE projections. However, only 6% of the real estate stock is currently suitable for dependency situations.
Faced with this challenge, MaPrimeAdapt’ is a unique new aid which aims to simplify and accelerate the adaptation of housing for low-income elderly and disabled people. Merger of three former systems, it will be launched on January 1, 2024 under the aegis of the National Housing Agency (Anah). Until now, three mechanisms coexisted to help adapt housing: the Habiter Facile subsidy from Anah, aid distributed by the National Old Age Insurance Funds and the tax credit for certain types of work. .
Prevention rather than cure
Beyond the need for simplification, the objective of MaPrimeAdapt’ is to prevent domestic falls which, each year, are linked to the premature death of nearly 10,000 seniors in France – three times more than for road accidents. on the entire population.
“The idea is to encourage people to anticipate the loss of autonomy by doing the work as soon as possible. Today, the beneficiaries of the various adaptation aids are on average 84 years old: it is much too late”we specify within Anah. “Adapting housing is also key to facilitating, or even simply making feasible, the work of caregivers and caregivers”adds Jean-Jacques Senèze, president of the UNA Saint-Omer home care and services association.
In detail, the subsidy will be open, subject to means testing, to all people over 70 years old, to 60 to 69 year olds experiencing early loss of autonomy as well as to people with disabilities, this time without any eligibility criteria. ‘age. The income scales are set by Anah: for a household of two people residing outside Ile-de-France, the threshold is for example €31,899 per year. An online simulator, similar to the one that already exists for MaPrimRénov’will verify eligibility.
Aimed at both owners and tenants, MaPrimeAdapt’ can, for example, be used to install non-slip coverings, install electric shutters or even replace a bathtub with a shower with a retractable seat. Up to €22,000 of tax-free work will be eligible, with support between 50 and 70% depending on the level of resources. The government has set itself a target of 680,000 housing units to be adapted over the next decade, for a budget of 4 billion euros.
Mandatory support
A particular feature of the new system is that beneficiaries must be accompanied by an assistant project manager (AMO). “It’s a sort of expert advisor who will be present at each stage of the process: establishing a diagnosis of adaptation needs, initiating financial aid procedures, reading quotes, etc., explains Juliette Laganier, general director of SOLIHA, one of the main associations for access to and maintenance of housing in France. We know well that administration is often a source of anxiety, and we also hear a lot about scams in the construction sector. This personalized support therefore serves to secure and reassure the household as much as possible. »
These support measures aimed in particular to respond to criticism addressed to the neighboring MaPrimeRenov’ system, introduced at the beginning of 2020 to finance the energy renovation of housing, and regularly accused of fueling the criminal behavior of unscrupulous companies. Last October, a report of the Court of Auditorsdeeming this type of system less effective than direct aid, also invited the government to strengthen these support measures for a public considered vulnerable.
To facilitate the deployment of the system, MaPrimeAdapt’ will also be combined with MaPrimeRénov’. A one-stop shop for both types of aid praised by Luc Broussy, author of an interministerial report on housing adaptation and president of France Silver Eco: “This is very important because older people are disproportionately affected by fuel poverty. » An observation that applies to both cold and heat, since seniors are also particularly vulnerable to heat waves and heat waves, which climate change is making more frequent and extreme.
The limits of out-of-pocket costs and awareness
While associations and professionals in the sector have generally welcomed the implementation of MaPrimeAdapt’, some criticize it for too low a level of support. Juliette Laganier cites the example of a single retiree with less than €15,000 in annual income: for his overall renovation project, including an adapted shower, raised toilets and an automatic garage door, he has around €4,000 left. € to be self-financed on a total of €15,000 of work. “These are amounts that remain prohibitive for many households”she laments.
The director of SOLIHA also considers the resources allocated to awareness-raising insufficient, while seniors cite the availability of information on the various existing aids and solutions as the first need for adapting their housing according to a recent study Ifop. For his part, Luc Broussy nevertheless hopes for a certain ripple effect: “Beyond financial support, MaPrimeAdapt’ is a real cultural lever. Whether they are eligible for assistance or not, this should push more elderly people to think about adapting their housing. »
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