Marine Le Pen, the candidate for the National Rally, has proposed replacing the MaPrimeRénov' program with a zero-interest loan called "100% Rénov'" to help households carry out energy renovations, such as heating electrification or installing air conditioning. The current MaPrimeRénov' program, managed by the National Agency for Housing (Anah), has faced criticism for being complicated, costly, and prone to fraud. Launched in 2020, the program has seen several changes in regulation and funding, with its scope gradually shrinking since 2024. As of September 1, it is no longer possible to apply for assistance with attic insulation or window replacement, though eligible individuals can still apply for help replacing a boiler with a heat pump until the end of 2026, depending on the 2027 state budget. Other political figures, including Bruno Retailleau from The Republicans, have also criticized MaPrimeRénov', calling it a "check policy" that lacks real utility. Funding for the program has been reduced from 5 billion euros to 3.3 billion euros. However, the program has helped renovate 2.9 million homes over six years, benefiting households with modest and intermediate incomes and generating 47 billion euros in construction work, according to Anah. Despite this, the process of applying for aid is slow, with an average wait time of six months and sometimes over a year in certain areas, which delays renovation projects. Loïc Cantin, president of the National Real Estate Federation, acknowledges that the program is beneficial for low-income households but emphasizes the need for stability, as the French public is "completely in the dark" about how it works. Le Pen's proposal of a zero-interest loan aims to simplify the process and avoid the "grid logic" of the current system. Similarly, Fabien Roussel from the Communist Party has suggested a large loan, akin to Germany’s model, to support the ecological transition. However, the existing eco-PTZ (eco-friendly zero-interest loan) in France mainly targets households deemed "solvable" by banks, potentially excluding some who are currently eligible for MaPrimeRénov'. Banks are also more inclined to recommend profit-driven consumer loans over the zero-interest option. The cost of replacing MaPrimeRénov' with a large zero-interest loan is a concern, particularly with rising interest rates, which could reach 4% by the end of 2026. There is also uncertainty about whether the loan would be managed by private banks or public institutions, like Germany's KfW. In addition to the loan proposal, Le Pen has suggested removing the mandatory requirement for an energy performance diagnosis (DPE), changing it to a "simple indicative element" instead of a legally enforceable requirement as outlined in the Climate and Resilience Act of 2021. Retailleau has made a similar proposal, arguing that it would bring back over a million properties currently excluded from the rental market. Meanwhile, the Greens support maintaining the ban on renting properties classified E, F, or G. The current government, led by Sébastien Lecornu, has proposed that the resale of "leaky" properties be conditional on completing energy renovations within three to five years. The real estate market has already adapted to the DPE regulations, with data from the Superior Syndicate of Notaries showing that apartments classified G sold for 12% less than those classified D in 2024, and single-family homes classified G sold for 25% less. The sector is also worried about a potential budget gap for MaPrimeRénov' if the 2027 budget is delayed, which could lead to a three-month funding gap.