{"id":29806,"date":"2023-06-19T18:11:40","date_gmt":"2023-06-19T16:11:40","guid":{"rendered":"https:\/\/reclaimfinance.org\/site\/?p=29806"},"modified":"2023-06-29T14:39:14","modified_gmt":"2023-06-29T12:39:14","slug":"renovation-energetique-plusieurs-banques-centrales-sommees-de-faire-baisser-les-taux-dinteret","status":"publish","type":"post","link":"https:\/\/reclaimfinance.org\/site\/2023\/06\/19\/renovation-energetique-plusieurs-banques-centrales-sommees-de-faire-baisser-les-taux-dinteret\/","title":{"rendered":"R\u00e9novation \u00e9nerg\u00e9tique : plusieurs banques centrales somm\u00e9es de faire baisser les taux d\u2019int\u00e9r\u00eat"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-bottom:20px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\" style=\"--awb-content-alignment:justify;--awb-text-color:var(--awb-color4);--awb-text-font-family:&quot;Montserrat&quot;;--awb-text-font-style:normal;--awb-text-font-weight:700;\"><p>Copubli\u00e9 avec Fridays for Future France, Derni\u00e8re R\u00e9novation, Positive Money Europe, Unlock, Alternabiba Paris &amp; Ek\u014d<\/p>\n<\/div><div class=\"fusion-text fusion-text-2\" style=\"--awb-content-alignment:justify;--awb-text-color:var(--awb-color4);--awb-text-font-family:&quot;Montserrat&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><p><b>Paris, le 20 juin &#8211; <\/b><b>En France, en Belgique et au Portugal, des activistes et ONG se sont rassembl\u00e9s ce mardi lors d\u2019une action pr\u00e8s de leur banque centrale, dont la Banque de France. Objectif : obtenir des taux d&rsquo;int\u00e9r\u00eat plus bas pour les pr\u00eats \u00e0 la r\u00e9novation \u00e9nerg\u00e9tique (1). Une r\u00e9novation essentielle pour am\u00e9liorer l\u2019efficacit\u00e9 \u00e9nerg\u00e9tique des b\u00e2timents, prot\u00e9ger la population des conditions m\u00e9t\u00e9orologiques extr\u00eames et des hausses des prix de l&rsquo;\u00e9nergie (2). Alors que les r\u00e9centes hausses des taux d\u2019int\u00e9r\u00eat par la BCE rendent les investissements dans la r\u00e9novation plus co\u00fbteux<\/b><b><i>, <\/i><\/b><b>les activistes et ONG appellent les banques centrales europ\u00e9ennes \u00e0 mettre en place un m\u00e9canisme de pr\u00eat vert pour soutenir ces projets.<\/b><\/p>\n<\/div><div class=\"fusion-text fusion-text-3\" style=\"--awb-content-alignment:justify;\"><p><i>Liste des organisations participant \u00e0 l\u2019action physique en <\/i><i>France : Fridays for Future Paris, Alternatiba Paris, Derni\u00e8re R\u00e9novation, Unlock France<\/i><i>. Au Portugal : Zero. En Belgique : Unlock \/ Positive Money Europe, Rise for Climate Belgium, Grands-Parents pour le Climat, Grootouders voorj het klimaat, FairFin, Attac Bruxelles 2.<\/i><\/p>\n<p><i>Liste des organisations soutenant l\u2019action en ligne en Allemagne: KoalaKollektiv. En Espagne: Amigos de la Tierra Madrid [Amis de la Terre], ASUFIN et Revo.<\/i><\/p>\n<p>Ce mardi, plusieurs activistes et ONG sont descendus dans les rues de Paris, Bruxelles et Lisbonne pour rappeler la responsabilit\u00e9 des banques centrales europ\u00e9ennes dans la lutte contre le changement climatique. Ce rassemblement, bloqu\u00e9 par les forces de l&rsquo;ordre \u00e0 Paris, s\u2019est accompagn\u00e9 par une mobilisation en ligne dans plusieurs pays dont l\u2019Allemagne et l\u2019Espagne invitant les citoyens \u00e0 agir. Cette action coordonn\u00e9e, la premi\u00e8re du genre, a eu lieu quelques jours seulement apr\u00e8s la derni\u00e8re hausse des taux d&rsquo;int\u00e9r\u00eat de la BCE et une semaine avant le Forum de la BCE sur les banques centrales.<\/p>\n<p>\u00ab\u00a0<i>On crame, on g\u00e8le, la terre br\u00fble, qu&rsquo;attendez-vous ? R\u00e9novez nos maisons<\/i>\u00a0\u00bb : telle est la revendication inscrite sur les couvertures de survie  brandies par les militants pr\u00e8s de la Banque de France, du Banco de Portugal, de la Banque nationale de Belgique et du Banco de Espa\u00f1a. Les couvertures ont \u00e9t\u00e9 choisies pour refl\u00e9ter l&rsquo;exp\u00e9rience des habitants ayant souffert des canicules ces derni\u00e8res ann\u00e9es ou qui ont d\u00fb lutter contre le froid lorsque les prix de l&rsquo;\u00e9nergie ont augment\u00e9.<\/p>\n<p>Cette mobilisation interpelle les banques centrales afin qu\u2019elles rendent la r\u00e9novation des b\u00e2timents plus abordable en abaissant les taux d&rsquo;int\u00e9r\u00eat pour les pr\u00eats accord\u00e9s \u00e0 cet effet (3). En effet, la r\u00e9novation des b\u00e2timents est essentielle pour r\u00e9duire la consommation d&rsquo;\u00e9nergie et atteindre les objectifs climatiques de l&rsquo;Union europ\u00e9enne (UE) : les b\u00e2timents sont responsables de 40 % de la consommation d&rsquo;\u00e9nergie de l&rsquo;UE et de 36 % des \u00e9missions de carbone (4). L\u2019&rsquo;am\u00e9lioration de l&rsquo;efficacit\u00e9 \u00e9nerg\u00e9tique des b\u00e2timents contribuera \u00e9galement \u00e0 lutter contre l&rsquo;inflation, car la surconsommation d&rsquo;\u00e9nergie dans les b\u00e2timents mal isol\u00e9s fait gonfler les factures d&rsquo;\u00e9nergie.<\/p>\n<p>Cependant, la Banque centrale europ\u00e9enne (BCE) a jusqu&rsquo;\u00e0 pr\u00e9sent refus\u00e9 de mettre en place un syst\u00e8me de taux diff\u00e9renci\u00e9 pour garantir des pr\u00eats bon march\u00e9 pour la r\u00e9novation \u00e9nerg\u00e9tique des b\u00e2timents. En l&rsquo;absence d&rsquo;un tel m\u00e9canisme, les d\u00e9cisions d&rsquo;augmenter les taux d&rsquo;int\u00e9r\u00eat rendent les investissements dans la r\u00e9novation des b\u00e2timents plus co\u00fbteux, ce qui pourrait mettre la BCE en porte-\u00e0-faux avec les objectifs climatiques de l&rsquo;UE. Aujourd\u2019hui, les r\u00e9novations de b\u00e2timents restent trop lentes et inefficaces (5), en partie \u00e0 cause du co\u00fbt trop \u00e9lev\u00e9 des r\u00e9novations (6).<\/p>\n<p>Les activistes et les organisations appellent donc toutes les institutions de l&rsquo;UE, y compris les banques centrales nationales, \u00e0 s&rsquo;attaquer \u00e0 ce probl\u00e8me et \u00e0 rendre la r\u00e9novation abordable. Cet appel est soutenu par une p\u00e9tition sign\u00e9e par plus de 37 000 Europ\u00e9ens pour d\u00e9bloquer des fonds pour la r\u00e9novation des b\u00e2timents (7).<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_4_5 4_5 fusion-flex-column centrer fusion-column-no-min-height\" style=\"--awb-bg-size:cover;--awb-border-color:var(--awb-color4);--awb-border-style:solid;--awb-width-large:80%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.4%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.4%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><i class=\"fb-icon-element-1 fb-icon-element fontawesome-icon fa-quote-left fas circle-no fusion-text-flow\" style=\"--awb-font-size:23px;--awb-margin-bottom:10px;\"><\/i><div class=\"fusion-text fusion-text-4 fusion-text-no-margin\" style=\"--awb-content-alignment:justify;--awb-line-height:24px;--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:var(--awb-color4);--awb-margin-bottom:10px;\"><p><i>La mauvaise isolation des b\u00e2timents tue chaque hiver plus de 10 000 personnes en France. \u00c0 l&rsquo;\u00e9t\u00e9 2022, pr\u00e8s de 11 000 personnes sont d\u00e9c\u00e9d\u00e9es \u00e0 la suite des fortes chaleurs. Les banques centrales peuvent aujourd&rsquo;hui faire un choix, celui de prot\u00e9ger ces vies et la dignit\u00e9 humaine. De leur d\u00e9cision d\u00e9pend le bien-\u00eatre de nos concitoyens vuln\u00e9rables ou \u00e2g\u00e9s, mais pas seulement. La r\u00e9novation est un facteur cl\u00e9 pour contenir le d\u00e9r\u00e8glement climatique et donc sauver encore plus de vies. Elles ont entre leurs mains rien de moins que le pouvoir d&rsquo;endiguer la catastrophe. Elles doivent agir.<\/i><\/p>\n<\/div><div class=\"fusion-text fusion-text-5\"><p><strong><b>Nicolas Turcev, <\/b><b>charg\u00e9 de relations presse \u00e0 Derni\u00e8re R\u00e9novation<\/b><\/strong><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_4_5 4_5 fusion-flex-column centrer fusion-column-no-min-height\" style=\"--awb-bg-size:cover;--awb-border-color:var(--awb-color4);--awb-border-style:solid;--awb-width-large:80%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.4%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.4%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><i class=\"fb-icon-element-2 fb-icon-element fontawesome-icon fa-quote-left fas circle-no fusion-text-flow\" style=\"--awb-font-size:23px;--awb-margin-bottom:10px;\"><\/i><div class=\"fusion-text fusion-text-6 fusion-text-no-margin\" style=\"--awb-content-alignment:justify;--awb-line-height:24px;--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:var(--awb-color4);--awb-margin-bottom:10px;\"><p><i>Lors de la gr\u00e8ve pour le climat du 10 mars et de toutes les gr\u00e8ves ayant suivi chaque semaine dans des villes diff\u00e9rentes, nous avons plaid\u00e9 pour qu\u2019un vrai plan de formation aux r\u00e9novations thermiques globales soit associ\u00e9 \u00e0 des investissements massifs n\u00e9cessaires. Nous avons besoin de 400 000 professionnels qualifi\u00e9s pour r\u00e9nover un million de logements par an et si les m\u00e9canismes de financement que nous demandons pour la r\u00e9novation thermique sont octroy\u00e9s, cette fili\u00e8re de formation deviendra particuli\u00e8rement attractive. En effet, nous, les jeunes, voulons maintenant des m\u00e9tiers qui ont du sens et c\u2019est pourquoi nous insistons pour que la BCE favorise l\u2019acc\u00e8s \u00e0 la r\u00e9novation thermique globale de son logement<\/i>.<\/p>\n<\/div><div class=\"fusion-text fusion-text-7\"><p><strong><b>Pablo FLYE, Porte-parole de Fridays For Future Paris<\/b><\/strong><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-8\" style=\"--awb-content-alignment:justify;\"><p>L\u2019appel lanc\u00e9 par cette mobilisation est soutenu par l\u2019ONG Reclaim Finance, partenaire de la coalition Unlock.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_4_5 4_5 fusion-flex-column centrer fusion-column-no-min-height\" style=\"--awb-bg-size:cover;--awb-border-color:var(--awb-color4);--awb-border-style:solid;--awb-width-large:80%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.4%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.4%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><i class=\"fb-icon-element-3 fb-icon-element fontawesome-icon fa-quote-left fas circle-no fusion-text-flow\" style=\"--awb-font-size:23px;--awb-margin-bottom:10px;\"><\/i><div class=\"fusion-text fusion-text-9 fusion-text-no-margin\" style=\"--awb-content-alignment:justify;--awb-line-height:24px;--awb-text-transform:var(--awb-typography4-text-transform);--awb-text-color:var(--awb-color4);--awb-margin-bottom:10px;\"><p><i>L&rsquo;action d&rsquo;aujourd&rsquo;hui est un rappel opportun que la BCE d\u00e9laisse les citoyens europ\u00e9ens qui ont besoin d&rsquo;acc\u00e9der \u00e0 des pr\u00eats abordables pour rendre leurs maisons plus efficaces sur le plan \u00e9nerg\u00e9tique. Les hausses de taux d&rsquo;int\u00e9r\u00eat augmentent le co\u00fbt des am\u00e9liorations essentielles en mati\u00e8re d&rsquo;efficacit\u00e9 \u00e9nerg\u00e9tique. La BCE pourrait temp\u00e9rer ce ph\u00e9nom\u00e8ne en introduisant des taux diff\u00e9renci\u00e9s, avec un taux personnalis\u00e9 pour les pr\u00eats de r\u00e9novation \u00e9nerg\u00e9tique. Cela a d\u00e9j\u00e0 \u00e9t\u00e9 fait par le pass\u00e9 et pourrait r\u00e9ellement aider les Europ\u00e9ens \u00e0 r\u00e9nover leur logement. Il est temps que les banques centrales assument leur responsabilit\u00e9 dans la lutte contre le changement climatique.<\/i><\/p>\n<\/div><div class=\"fusion-text fusion-text-10\"><p><strong><b>Clarisse Murphy, charg\u00e9e de campagne sur les banques centrales \u00e0 Reclaim Finance<\/b><\/strong><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-11\" style=\"--awb-content-alignment:justify;\"><p>Vous pouvez acc\u00e9der aux images de l\u2019action <span style=\"text-decoration: underline;\"><a href=\"https:\/\/drive.google.com\/drive\/folders\/1AT17-Od8blbJR_9g7Ugmh51VNyzWB0oL?usp=drive_link\" target=\"_blank\" rel=\"noopener\">ici<\/a><\/span>.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-column-no-min-height\" style=\"--awb-padding-top:20px;--awb-padding-right:10px;--awb-padding-bottom:20px;--awb-padding-left:10px;--awb-overflow:hidden;--awb-bg-size:cover;--awb-border-color:var(--awb-color4);--awb-border-top:2px;--awb-border-right:2px;--awb-border-bottom:2px;--awb-border-left:2px;--awb-border-style:solid;--awb-border-radius:10px 10px 10px 10px;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-color4);--awb-margin-bottom:0px;--awb-font-size:18px;\"><div class=\"title-sep-container title-sep-container-left fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><div class=\"title-sep sep- sep-solid\" style=\"border-color:#3e3e3e;\"><\/div><\/div><span class=\"awb-title-spacer fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><\/span><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:&quot;Montserrat&quot;;font-style:normal;font-weight:700;margin:0;font-size:1em;--fontSize:18;--minFontSize:18;line-height:1.5;\">Contacts :<\/h2><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep- sep-solid\" style=\"border-color:#3e3e3e;\"><\/div><\/div><\/div><div class=\"fusion-text fusion-text-12\"><ul>\n<li aria-level=\"1\">Pablo FLYE, Porte-Parole de Fridays For Future Paris +33 7 67 38 62 56<\/li>\n<li aria-level=\"1\">Nicolas Turcev, charg\u00e9 de relations presse \u00e0 Derni\u00e8re R\u00e9novation, <span style=\"text-decoration: underline;\"><a href=\"mailto:presse@derniererenovation.fr\" target=\"_blank\" rel=\"noopener\">presse@derniererenovation.fr<\/a><\/span>, +33 6 52 61 82 84<\/li>\n<li aria-level=\"1\">Sarah Bakaloglou,\u00a0 Charg\u00e9e de relations presse \u00e0 Reclaim Finance, <span style=\"text-decoration: underline;\"><a href=\"mailto:sarah@reclaimfinance.org\" target=\"_blank\" rel=\"noopener\">sarah@reclaimfinance.org<\/a><\/span>, +33 6 61 68 25 10<\/li>\n<li aria-level=\"1\">Ildem Esin, charg\u00e9e de campagne senior chez Eko, <span style=\"text-decoration: underline;\"><a href=\"mailto:ildem@eko.org\" target=\"_blank\" rel=\"noopener\">ildem@eko.org<\/a><\/span>, +44 7597519240<\/li>\n<\/ul>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-column-no-min-height\" style=\"--awb-padding-top:20px;--awb-padding-right:10px;--awb-padding-bottom:20px;--awb-padding-left:10px;--awb-overflow:hidden;--awb-bg-size:cover;--awb-border-color:var(--awb-color1);--awb-border-style:solid;--awb-border-radius:10px 10px 10px 10px;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-color1);--awb-margin-bottom:0px;--awb-font-size:18px;\"><div class=\"title-sep-container title-sep-container-left fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><div class=\"title-sep sep- sep-solid\" style=\"border-color:#3e3e3e;\"><\/div><\/div><span class=\"awb-title-spacer fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><\/span><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:&quot;Montserrat&quot;;font-style:normal;font-weight:700;margin:0;font-size:1em;--fontSize:18;--minFontSize:18;line-height:1.5;\">Notes :<\/h2><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep- sep-solid\" style=\"border-color:#3e3e3e;\"><\/div><\/div><\/div><div class=\"fusion-text fusion-text-13\" style=\"--awb-content-alignment:justify;\"><ol>\n<li><i>Les banques centrales ne pr\u00eatent pas directement de l&rsquo;argent aux gens. Cependant, les taux d&rsquo;int\u00e9r\u00eat qu&rsquo;elles fixent pour le march\u00e9 du refinancement des banques ont un impact direct sur les taux d&rsquo;int\u00e9r\u00eat utilis\u00e9s par les banques commerciales pour pr\u00eater de l&rsquo;argent aux particuliers. La cr\u00e9ation d&rsquo;un taux d&rsquo;int\u00e9r\u00eat r\u00e9duit cibl\u00e9 pour les am\u00e9liorations de l&rsquo;efficacit\u00e9 \u00e9nerg\u00e9tique pourrait fonctionner comme le programme TLTRO <\/i><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.ecb.europa.eu\/mopo\/implement\/omo\/tltro\/html\/index.en.html#:~:text=How%20do%20they%20work%3F,the%20participating%20banks'%20lending%20patterns.\" target=\"_blank\" rel=\"noopener\"><i>Targeted Longer-Term Refinancing Operations<\/i><\/a><\/span><i> (TLTROs) de la BCE, mais ciblerait les banques qui allouent un certain montant de leur portefeuille de pr\u00eats \u00e0 la r\u00e9novation en profondeur des b\u00e2timents.<\/i><\/li>\n<li><i>Dans cet article \u201c<\/i><span style=\"text-decoration: underline;\"><a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/?uri=CELEX%3A52023AB0002&amp;qid=1679073536747\" target=\"_blank\" rel=\"noopener\"><i>Opinion of 16 January 2023 on a proposal for a Directive on the energy performance of buildings (recast)<\/i><\/a><\/span><i>\u201d,\u00a0 la BCE \u00e9crit que la r\u00e9novation des b\u00e2timents \u00ab\u00a0\u00e0 moyen et long terme, contribuera \u00e0 r\u00e9duire la sensibilit\u00e9 des prix \u00e0 la volatilit\u00e9 des prix des \u00e9nergies fossiles\u00a0\u00bb.<\/i><\/li>\n<li><i>Par le biais d&rsquo;un m\u00e9canisme \u00e0 double taux.<\/i><\/li>\n<li><i>Commission europ\u00e9enne, <\/i><span style=\"text-decoration: underline;\"><a href=\"https:\/\/ec.europa.eu\/commission\/presscorner\/detail\/fr\/ip_21_6683\" target=\"_blank\" rel=\"noopener\"><i>\u201cPacte vert pour l&rsquo;Europe: la Commission propose de stimuler la r\u00e9novation et la d\u00e9carbonation des b\u00e2timents\u201d<\/i><\/a><\/span><i>, 2021 <\/i><\/li>\n<li><i>Seuls 0,2 % des r\u00e9novations annuelles de b\u00e2timents <\/i><span style=\"text-decoration: underline;\"><a href=\"https:\/\/epc.eu\/content\/PDF\/2021\/Renovation_wave_PB.pdf\" target=\"_blank\" rel=\"noopener\"><i>entra\u00eenent la r\u00e9duction n\u00e9cessaire <\/i><\/a><\/span><i>de la consommation d&rsquo;\u00e9nergie.<\/i><\/li>\n<li><i>Reclaim Finance,<\/i><span style=\"text-decoration: underline;\"><a href=\"https:\/\/reclaimfinance.org\/site\/2022\/11\/24\/precarite-energetique-les-europeens-demandent-a-la-bce-et-aux-etats-dagir\/\" target=\"_blank\" rel=\"noopener\"><i> Pr\u00e9carit\u00e9 \u00e9nerg\u00e9tique : les europ\u00e9ens demandent \u00e0 la BCE et aux \u00e9tats d\u2019agir,<\/i><\/a><\/span><i> novembre 2022<\/i><\/li>\n<li><i>Eko, <\/i><span style=\"text-decoration: underline;\"><a href=\"https:\/\/actions.eko.org\/a\/no-one-should-fear-the-cold-in-their-own-home?eko=true\" target=\"_blank\" rel=\"noopener\"><i>P\u00e9tition,<\/i><\/a><\/span><i> 2023<\/i><\/li>\n<\/ol>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-color1);--awb-margin-bottom:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;text-transform:uppercase;--fontSize:33;line-height:1.5;\">Lire aussi<\/h2><\/div><div class=\"fusion-separator\" style=\"align-self: flex-start;margin-right:auto;margin-top:25px;margin-bottom:35px;width:100%;max-width:100px;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:var(--awb-color4);border-color:var(--awb-color4);border-top-width:10px;\"><\/div><\/div><div class=\"fusion-blog-shortcode fusion-blog-shortcode-1 fusion-blog-archive fusion-blog-layout-grid-wrapper fusion-blog-no\"><style type=\"text\/css\">.fusion-blog-shortcode-1 .fusion-blog-layout-grid .fusion-post-grid{padding:15px;}.fusion-blog-shortcode-1 .fusion-posts-container{margin-left: -15px !important; margin-right:-15px !important;}<\/style><div class=\"fusion-posts-container fusion-posts-container-no fusion-blog-rollover fusion-blog-layout-grid fusion-blog-layout-grid-3 isotope fusion-blog-equal-heights\" data-pages=\"106\" data-grid-col-space=\"30\" style=\"margin: -15px -15px 0;min-height:500px;\"><article id=\"blog-1-post-39506\" class=\"fusion-post-grid post-39506 post type-post status-publish format-standard has-post-thumbnail hentry category-communique-de-presse acteurs_financiers-banques-fr thematique-energies-fossiles thematique-gaz-fr\">\n<div class=\"fusion-post-wrapper\" style=\"background-color:rgba(255,255,255,0);border:1px solid #2a2b3d;border-bottom-width:3px;\">\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"border-color:#2a2b3d;\">\n\t\t<ul class=\"slides\">\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><div  class=\"fusion-image-wrapper\" aria-haspopup=\"true\">\n\t\t\t\t<img decoding=\"async\" width=\"1125\" height=\"500\" src=\"https:\/\/reclaimfinance.org\/site\/wp-content\/uploads\/2026\/04\/gas-power-plant.png\" class=\"attachment-full size-full wp-post-image\" alt=\"\" \/><div class=\"fusion-rollover\">\n\t<div class=\"fusion-rollover-content\">\n\n\t\t\t\t\n\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t<a class=\"fusion-link-wrapper\" href=\"https:\/\/reclaimfinance.org\/site\/2026\/04\/08\/centrales-a-gaz-un-soutien-des-banques-europeennes-a-lexpansion-malgre-des-couts-sociaux-eleves\/\" aria-label=\"Centrales \u00e0 gaz : un soutien des banques europ\u00e9ennes \u00e0 l&rsquo;expansion malgr\u00e9 des co\u00fbts sociaux \u00e9lev\u00e9s\"><\/a>\n\t<\/div>\n<\/div>\n<\/div>\n<\/li>\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\t<div class=\"fusion-post-content-wrapper\" style=\"padding:30px 25px 20px 25px;\"><div class=\"fusion-post-content post-content\"><h3 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/reclaimfinance.org\/site\/2026\/04\/08\/centrales-a-gaz-un-soutien-des-banques-europeennes-a-lexpansion-malgre-des-couts-sociaux-eleves\/\">Centrales \u00e0 gaz : un soutien des banques europ\u00e9ennes \u00e0 l&rsquo;expansion malgr\u00e9 des co\u00fbts sociaux \u00e9lev\u00e9s<\/a><\/h3><p class=\"fusion-single-line-meta\"><span class=\"vcard\" style=\"display: none;\"><span class=\"fn\"><a href=\"https:\/\/reclaimfinance.org\/site\/author\/aman\/\" title=\"Articles par Aatira\u00ef Manickawasagar\" rel=\"author\">Aatira\u00ef Manickawasagar<\/a><\/span><\/span><span class=\"updated\" style=\"display:none;\">2026-04-07T15:33:26+02:00<\/span><a href=\"https:\/\/reclaimfinance.org\/site\/category\/communique-de-presse\/\" rel=\"category tag\">Communiqu\u00e9s de presse<\/a><span class=\"fusion-inline-sep\">|<\/span><\/p><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div>\n<\/article>\n<article id=\"blog-1-post-39344\" class=\"fusion-post-grid post-39344 post type-post status-publish format-standard has-post-thumbnail hentry category-communique-de-presse acteurs_financiers-assurances-fr programme-programme-3-fr\">\n<div class=\"fusion-post-wrapper\" style=\"background-color:rgba(255,255,255,0);border:1px solid #2a2b3d;border-bottom-width:3px;\">\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"border-color:#2a2b3d;\">\n\t\t<ul class=\"slides\">\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><div  class=\"fusion-image-wrapper\" aria-haspopup=\"true\">\n\t\t\t\t<img decoding=\"async\" width=\"1125\" height=\"500\" src=\"https:\/\/reclaimfinance.org\/site\/wp-content\/uploads\/2026\/03\/Catastrophe-naturelle-.png\" class=\"attachment-full size-full wp-post-image\" alt=\"Catastrophe naturelle\" \/><div class=\"fusion-rollover\">\n\t<div class=\"fusion-rollover-content\">\n\n\t\t\t\t\n\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t<a class=\"fusion-link-wrapper\" href=\"https:\/\/reclaimfinance.org\/site\/2026\/03\/11\/catastrophes-naturelles-les-grands-assureurs-priorisent-leurs-profits-au-detriment-des-citoyens-et-collectivites\/\" aria-label=\"Catastrophes naturelles: les citoyens et collectivit\u00e9s paient la facture, malgr\u00e9 les profits records des grands assureurs\"><\/a>\n\t<\/div>\n<\/div>\n<\/div>\n<\/li>\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\t<div class=\"fusion-post-content-wrapper\" style=\"padding:30px 25px 20px 25px;\"><div class=\"fusion-post-content post-content\"><h3 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/reclaimfinance.org\/site\/2026\/03\/11\/catastrophes-naturelles-les-grands-assureurs-priorisent-leurs-profits-au-detriment-des-citoyens-et-collectivites\/\">Catastrophes naturelles: les citoyens et collectivit\u00e9s paient la facture, malgr\u00e9 les profits records des grands assureurs<\/a><\/h3><p class=\"fusion-single-line-meta\"><span class=\"vcard\" style=\"display: none;\"><span class=\"fn\"><a href=\"https:\/\/reclaimfinance.org\/site\/author\/aman\/\" title=\"Articles par Aatira\u00ef Manickawasagar\" rel=\"author\">Aatira\u00ef Manickawasagar<\/a><\/span><\/span><span class=\"updated\" style=\"display:none;\">2026-03-11T08:34:04+01:00<\/span><a href=\"https:\/\/reclaimfinance.org\/site\/category\/communique-de-presse\/\" rel=\"category tag\">Communiqu\u00e9s de presse<\/a><span class=\"fusion-inline-sep\">|<\/span><\/p><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div>\n<\/article>\n<article id=\"blog-1-post-39280\" class=\"fusion-post-grid post-39280 post type-post status-publish format-standard has-post-thumbnail hentry category-communique-de-presse programme-programme-3-fr\">\n<div class=\"fusion-post-wrapper\" style=\"background-color:rgba(255,255,255,0);border:1px solid #2a2b3d;border-bottom-width:3px;\">\n\n\t\t\t<div class=\"fusion-flexslider flexslider fusion-flexslider-loading fusion-post-slideshow\" style=\"border-color:#2a2b3d;\">\n\t\t<ul class=\"slides\">\n\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><div  class=\"fusion-image-wrapper\" aria-haspopup=\"true\">\n\t\t\t\t<img decoding=\"async\" width=\"1125\" height=\"500\" src=\"https:\/\/reclaimfinance.org\/site\/wp-content\/uploads\/2026\/02\/European-commission.png\" class=\"attachment-full size-full wp-post-image\" alt=\"\" \/><div class=\"fusion-rollover\">\n\t<div class=\"fusion-rollover-content\">\n\n\t\t\t\t\n\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\n\t\t\t\t\t\t<a class=\"fusion-link-wrapper\" href=\"https:\/\/reclaimfinance.org\/site\/2026\/02\/19\/lettre-ouverte-plus-de-130-signataires-appellent-a-exclure-les-energies-fossiles-des-fonds-durables-de-lue\/\" aria-label=\"Lettre ouverte : plus de 130 signataires appellent \u00e0 exclure les \u00e9nergies fossiles des fonds durables de l\u2019UE\"><\/a>\n\t<\/div>\n<\/div>\n<\/div>\n<\/li>\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\t<div class=\"fusion-post-content-wrapper\" style=\"padding:30px 25px 20px 25px;\"><div class=\"fusion-post-content post-content\"><h3 class=\"blog-shortcode-post-title entry-title\"><a href=\"https:\/\/reclaimfinance.org\/site\/2026\/02\/19\/lettre-ouverte-plus-de-130-signataires-appellent-a-exclure-les-energies-fossiles-des-fonds-durables-de-lue\/\">Lettre ouverte : plus de 130 signataires appellent \u00e0 exclure les \u00e9nergies fossiles des fonds durables de l\u2019UE<\/a><\/h3><p class=\"fusion-single-line-meta\"><span class=\"vcard\" style=\"display: none;\"><span class=\"fn\"><a href=\"https:\/\/reclaimfinance.org\/site\/author\/aman\/\" title=\"Articles par Aatira\u00ef Manickawasagar\" rel=\"author\">Aatira\u00ef Manickawasagar<\/a><\/span><\/span><span class=\"updated\" style=\"display:none;\">2026-02-19T14:18:11+01:00<\/span><a href=\"https:\/\/reclaimfinance.org\/site\/category\/communique-de-presse\/\" rel=\"category tag\">Communiqu\u00e9s de presse<\/a><span class=\"fusion-inline-sep\">|<\/span><\/p><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div>\n<\/article>\n<div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":26,"featured_media":29813,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[36],"tags":[],"acteurs_financiers":[2403],"thematique":[2415,2281],"webinar_type":[],"programme":[],"class_list":["post-29806","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-communique-de-presse","acteurs_financiers-regulateurs-fr","thematique-energies-fossiles","thematique-energies-renouvelables-fr"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>R\u00e9novation \u00e9nerg\u00e9tique : plusieurs banques centrales somm\u00e9es de faire baisser les taux d\u2019int\u00e9r\u00eat - Reclaim Finance<\/title>\n<meta name=\"description\" content=\"Une r\u00e9novation essentielle pour am\u00e9liorer l\u2019efficacit\u00e9 \u00e9nerg\u00e9tique des b\u00e2timents, prot\u00e9ger la population des conditions m\u00e9t\u00e9orologiques extr\u00eames et des hausses des prix de l&#039;\u00e9nergie\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/reclaimfinance.org\/site\/2023\/06\/19\/renovation-energetique-plusieurs-banques-centrales-sommees-de-faire-baisser-les-taux-dinteret\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"R\u00e9novation \u00e9nerg\u00e9tique : plusieurs banques centrales somm\u00e9es de faire baisser les taux d\u2019int\u00e9r\u00eat - Reclaim Finance\" \/>\n<meta property=\"og:description\" content=\"Une r\u00e9novation essentielle pour am\u00e9liorer l\u2019efficacit\u00e9 \u00e9nerg\u00e9tique des b\u00e2timents, prot\u00e9ger la population des conditions m\u00e9t\u00e9orologiques extr\u00eames et des hausses des prix de l&#039;\u00e9nergie\" \/>\n<meta property=\"og:url\" content=\"https:\/\/reclaimfinance.org\/site\/2023\/06\/19\/renovation-energetique-plusieurs-banques-centrales-sommees-de-faire-baisser-les-taux-dinteret\/\" \/>\n<meta property=\"og:site_name\" content=\"Reclaim Finance\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ReclaimFinanceONG\" \/>\n<meta property=\"article:published_time\" content=\"2023-06-19T16:11:40+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-29T12:39:14+00:00\" \/>\n<meta property=\"og:image\" 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