The climate and resilience law of August 22, 2021 puts co-owners under pressure. It includes, in fact, several measures aimed at accelerating the energy renovation of buildings. There is, in a jumble, the obligation to carry out a collective energy performance diagnosis, the development of a multi-year work plan, the funding of the works fund no longer according to the building's operating budget but according to the estimated amount of work, or even the tightening of rental conditions for energy-intensive housing. Bad news for the co-owners, who risk having to simultaneously launch the projects that they had deferred (renovation…) and those of energy renovation. And the difficulty will be all the greater the more complicated it will be for the less well-off owners,like retirees and some first-time buyers, to find the necessary funding. Fortunately, it is possible to find funds by launching a
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