Resources
Methodological guide: How to create a local support and financing service dedicated to home energy renovation?The example of Third-Party Financing companies in France
This methodological guide explains how Third-Party Financing companies (TPFC) work, how they can be set up and details the steps to follow to create a local service to support home energy renovation.
The experience of TPFC in France, which is unique in Europe and has demonstrated its effectiveness, should be made available to all local authorities wishing to set up a one-stop shop for home energy renovation.
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.
It is by working together, exchanging and sharing our experience that local and regional authorities will be able to achieve both European and French renovation targets (especially with regard to poorly insulated dwellings – the so-called “thermal sieves” with an F or a G energy rating) and mobilise the banks and other institutions involved in the process, while keeping renovation costs under control.
Policy recommendations for EU Member States: How to set up a supportive national framework for local one-stop shops?
📉 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. More specifically, Article 22 § 3 of the Energy Efficiency Directive urges Member States to create a “supportive framework […] in particular for the creation of one-stop shops.”
🤔 You do not know what a supportive national framework for OSS should look like?
💡 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!
Report on refinancing of building renovation loans of STFs
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.
How to boost one-stop-shops for integrated home energy renovation in the EU?
2021 | Françoise Réfabert – Energies Demain, Krushna Mahapatra – Built Environment and Energy Technology Linnaeus University, Jean-Charles Hourcade – Centre International de Recherche sur l’Environment et le Development (CIRED)
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.
As homeowners do not particularly prioritise energy efficiency when they want to improve their homes, and their willingness to pay for advice is low, in advance of retrofits, most of one-stop shops need a support from the public sector. The envisaged revision of the Energy Performance of Buildings Directive is an opportunity to set stricter energy efficiency criteria for housing renovation. One-stop-shops, defined as services of general interest, would be a key measure to implement them on the ground in a way that is adapted to local conditions.
Benchmark of existing initiatives in the field of quality control and compliance of high-performance renovation works in residential buildings in Europe
September 2021 | ORFEE
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. It is the first deliverable of Work Package 2 of the ORFEE project. Its main challenge is to prefigure the quality and compliance framework of the ORFEE project.
L'utilisation des fonds structurels et de cohésion (FEDER) pour développer un instrument financier pour les prêts à la rénovation de bâtiments
Décembre 2020 | ORFEE
L’un des objectifs du projet ORFEE est de faciliter l’utilisation du fonds européen de développement régional (FEDER) pour favoriser les rénovations énergétiques performantes du secteur résidentiel privé. Aussi, le memorandum ci-dessous vise à présenter :
- le retour d’expérience de nombreux Conseils Régionaux concernant le recours au FEDER pour financer les politiques régionales en faveur de la rénovation énergétique du parc résidentiel privé, sur la période 2014-2020 ;
- le contexte du marché de la rénovation énergétique du parc privé qui justifie le recours au FEDER ;
- les modalités envisageables pour que le FEDER puisse contribuer au financement des dispositifs de conseil à la rénovation et soit utilisé sous forme d’instrument financier. Le projet ORFEE est l’opportunité de réunir les parties prenantes de ce projet pour en définir l’organisation.
Benchmark and recommendation memo regarding reporting to investors
D1.3
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.
Summary of the support provided to households and condominiums by integrated and coordinated energy renovation services
August 2021 | PUCA & ORFEE
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.
Investments for the energy renovation of buildings in Europe
2021 | Juan Alario, GNE Finance
Investments for energy renovation of buildings have hardly increased in the past. These investments need to at least double (an increase of about €170 billion per year) to meet the EU’s energy and climate goals. There are strong barriers to this increase, including the low priority of energy investments for most building owners. Economic incentives, even if increased compared to the past, will not be sufficient to remove these barriers. New policies are needed, and the most important is the adoption of minimum performance standards for existing buildings. Well-targeted grants and loans will be an important complement to this new policy.
Review of existing approaches for the analysis of the impacts of fuel poverty on Population Health, for the National Observatory of Fuel Poverty
2019 | ONPE
A complex phenomenon, fuel poverty has cumulative effects and multiple consequences on the quality of life of households and on what are called “health determinants” (resources, housing, living environment, mobility, social cohesion, etc.). Fuel poverty thus impacts the health of households in a global sense. The characterization of these effects, but also of the effects of fuel poverty The characterization of these effects, but also of the effects of actions to combat fuel poverty, is therefore essential. In this perspective, the “Health and Fuel Poverty” sheet In this perspective, the “Health and Fuel Poverty” sheet proposes an overview of the work and methods experimented to date in France and in the English-speaking world. France and in the Anglo-Saxon world. Starting with a presentation of the economic and epidemiological approaches to epidemiological approaches to the health impacts of fuel poverty and actions to combat fuel poverty, other approaches are presented in order to make comparisons and to initiate a reflection on the and to initiate a reflection on the evaluation approaches adapted to the complex phenomenon of fuel poverty.
Innovating in the energy renovation of private housing: making access to the loan possible through technical support for the project
Policy recommendations : How to boost one-stop-shops for integrated home energy renovation in the EU?
May 2020 | Project INNOVATE
Policy recommendations: “How to boost one-stop-shops for integrated home energy renovation in the EU?”
A consensus has existed for several years on the identification of shortcomings, but it is not easy to specify what should and could be an effective one-stop shop activity, that would be commensurate with the political stakes and objectives of the transition to a low-carbon housing. This detailed analysis of the political barriers and drivers for the roll-out of one-stop-shops shall guide European and national policy-makers dealing with building policies.
How to set up a one-stop-shop for integrated home energy renovation? A step-by-step guide for local authorities and other actors
June 2020 | Project INNOVATE
How to set up a one-stop-shop for integrated home energy renovation? A step-by-step guide for local authorities and other actors.
If you are part of an organisation that plans to launch a one-stop-shop, this guidebook is for you. You can find learnings from the project and recommendations that will help you to kick start your project. Table of contents:
- Introduction
- What do we mean by ‘one-stop-shop’?
- One-stop-shop business models: overview
- One-stop-shop business models: pros and cons
- Role of local and regional authorities in setting up one-stop-shops
- 15 recommendations for newcomers