Croix, October 21st, 2025
Just days after the return of MaPrimeRénov’ following a 3-month suspension, a study conducted by CSA for Oney*—for the second consecutive year—reveals a slowdown in the momentum of energy renovation in France. Despite strong awareness of the importance of these projects, taking action is being hindered by financial concerns and a climate of anxiety over fraud.
This study was conducted from August 25 to September 5, 2025, among 714 owners of apartments or single-family homes, drawn from a nationally representative sample of 1,010 French individuals aged 18 and over (representative based on gender, age, socioeconomic status, region, and urban category).
ENERGY RENOVATION: A RECOGNIZED PRIORITY, BUT LOSING MOMENTUM
While nearly half of homeowners (49%) have completed or are in the process of completing energy renovation work on their homes over the past five years, this figure has sharply declined (-7 percentage points compared to 2024). Looking ahead, the trend is similar: 4 out of 10 homeowners (41%) may undertake such work, representing a 4-point drop in one year.
Despite this slowdown, energy renovation remains highly important to homeowners (84%, down 4 points from 2024). This importance is particularly high among younger individuals (92% of those under 35), and more than a third (37%) consider it a priority, especially those aged 25-34 (56%).
Several reasons explain why these projects are not being carried out:
- Lack of need: 44% of homeowners believe their homes are already sufficiently energy-efficient, and 37% have already completed the necessary work.
- Financial reasons: Nearly half (49%) of homeowners are held back by financial considerations. The high cost remaining after subsidies (24%) and difficulties in financing or borrowing (11%) are major obstacles.
- Complexity and concern: The climate is anxiety-inducing for homeowners considering renovations, with 85% expressing concerns about fraud (uncertified companies, scams, poor workmanship). They are seeking guarantees, such as an official list of reliable companies (38%) and increased public oversight (21%).
TIGHTER BUDGETS AND COMPLEX FINANCING
More specifically, homeowners planning renovations are thinking short-term: half of them could carry out the work within the year (51%), a figure that has declined (-3 points), while uncertainty about timing has increased (+4 points for those who have not yet decided on a start date). The most considered projects include exterior and/or interior insulation (46%, -2 points), replacing heating and hot water systems (34%, +4 points), and exterior joinery (31%, -6 points).
Indeed, budgets allocated for renovations are more limited in 2025: a quarter of homeowners plan to spend a maximum of €1,500. While personal savings (81%) and government subsidies (61%) remain the primary sources of funding, younger individuals are more likely to resort to loans (59% for zero-interest eco-loans and 41% for traditional bank loans among those under 35).
Defining a budget remains a challenge for half of homeowners (51%). Similarly, 52% of respondents find it difficult to access government subsidies.
FINANCING SOLUTIONS: A CRUCIAL LEVER FOR ACTION
Despite these challenges, financing solutions represent a powerful lever to encourage renovations. 73% of homeowners would be more inclined to undertake renovations if a financing solution were offered. This is also an excellent way for companies to stand out, as 76% of homeowners are more likely to choose a company that provides such solutions.
For homeowners who are not considering renovations primarily for financial reasons, these options could be a real trigger. The study reveals that 20% of them could be encouraged to start if a company offered them a suitable financing solution.
About Oney
Oney is a different, unique bank, born from commerce. A partner in the transformation of commerce for over 40 years, Oney designs payment, consumer financing, insurance, and fraud prevention solutions. Creator of installment payment in 2008, Oney is the leader in the BNPL (Buy Now Pay Later) market in France. Strategic ally of more than 37,000 merchants, Oney supports the purchases and projects of nearly 7 million customers in Europe by offering digital, simple, and fast shopping experiences. Every day, our 1900 talents, in 10 countries, drive the ambition to be a more human and responsible bank, a major player in consumer financing in commerce in Europe.
With the support of its two shareholders, BPCE (50.1%) and ELO (formerly Auchan Holding at 49.9%), Oney combines the best of banking and commerce. Within the BPCE Group, Oney operates within BPCE Digital & Payments, a hub for payment, digital, and data expertise.
Follow all Oney news: LinkedIn
Oney Press Contact
Burson Agency – oney.presse@bcw-global.com / Alice Dalla Costa: +33 (0)6 21 81 07 95