{"id":80543,"date":"2024-09-23T15:14:00","date_gmt":"2024-09-23T13:14:00","guid":{"rendered":"https:\/\/energy-cities.eu\/?p=80543"},"modified":"2024-09-23T15:14:02","modified_gmt":"2024-09-23T13:14:02","slug":"en-france-un-modele-particulier-de-guichet-unique-bouscule-le-marche-de-la-renovation-energetique-performante","status":"publish","type":"post","link":"https:\/\/energy-cities.eu\/fr\/en-france-un-modele-particulier-de-guichet-unique-bouscule-le-marche-de-la-renovation-energetique-performante\/","title":{"rendered":"En France, un mod\u00e8le particulier de guichet unique bouscule le march\u00e9 de la r\u00e9novation \u00e9nerg\u00e9tique performante"},"content":{"rendered":"\n<p><strong>Les cinq soci\u00e9t\u00e9s fran\u00e7aises de tiers-financement, un mod\u00e8le particulier de guichet unique pour la r\u00e9novation \u00e9nerg\u00e9tique de l&rsquo;habitat, apportent des solutions techniques et financi\u00e8res aux propri\u00e9taires d\u00e9sireux de s\u2019engager dans une r\u00e9novation \u00e9nerg\u00e9tique performante de leur logement et cela, quels que soient leurs revenus. Locale, simple, accessible et s\u00e9curis\u00e9e (la qualit\u00e9 des travaux et les \u00e9conomies d&rsquo;\u00e9nergie sont garanties), cette offre constitue une r\u00e9elle nouveaut\u00e9 sur le march\u00e9.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" src=\"https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/08\/Carte_France_20230718_carte-des-societes-de-tiers-financement-en-France_STF-1024x756.png\" alt=\"\" class=\"wp-image-79993\" width=\"768\" height=\"567\" srcset=\"https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/08\/Carte_France_20230718_carte-des-societes-de-tiers-financement-en-France_STF-1024x756.png 1024w, https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/08\/Carte_France_20230718_carte-des-societes-de-tiers-financement-en-France_STF-338x250.png 338w, https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/08\/Carte_France_20230718_carte-des-societes-de-tiers-financement-en-France_STF-1536x1135.png 1536w, https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/08\/Carte_France_20230718_carte-des-societes-de-tiers-financement-en-France_STF-2048x1513.png 2048w, https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/08\/Carte_France_20230718_carte-des-societes-de-tiers-financement-en-France_STF-700x517.png 700w, https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/08\/Carte_France_20230718_carte-des-societes-de-tiers-financement-en-France_STF-406x300.png 406w, https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/08\/Carte_France_20230718_carte-des-societes-de-tiers-financement-en-France_STF-677x500.png 677w, https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/08\/Carte_France_20230718_carte-des-societes-de-tiers-financement-en-France_STF-1218x900.png 1218w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n<p>Les soci\u00e9t\u00e9s de tiers-financement (STF) sont des op\u00e9rateurs \u00e9tablis par des collectivit\u00e9s locales \u2013 m\u00e9tropoles ou r\u00e9gions. Le fait qu&rsquo;il s&rsquo;agisse d&rsquo;organismes (semi-)publics locaux accro\u00eet leur cr\u00e9dibilit\u00e9 aux yeux des propri\u00e9taires. Leur offre globale d\u2019accompagnement, qui int\u00e8gre une offre de financement avantageuse (pr\u00eats \u00e0 taux z\u00e9ro ou bonifi\u00e9, pr\u00e9financement des travaux, int\u00e9gration des \u00e9conomies r\u00e9alis\u00e9es dans le plan de financement) rend la r\u00e9novation \u00e9nerg\u00e9tique performante accessible \u00e0 tous. Et le fait que la qualit\u00e9 des travaux et les \u00e9conomies d&rsquo;\u00e9nergie soient garanties att\u00e9nue les craintes des propri\u00e9taires face \u00e0 des travaux de r\u00e9novation qui peuvent repr\u00e9senter des sommes importantes (en moyenne 50 \u00e0 55 000 euros pour une maison individuelle et 20 000 euros pour un appartement en copropri\u00e9t\u00e9). Tous ces \u00e9l\u00e9ments contribuent \u00e0 r\u00e9volutionner le march\u00e9 de la r\u00e9novation et \u00e0 faire des STF des acteurs cl\u00e9s dans l\u2019av\u00e8nement d&rsquo;un parc b\u00e2ti \u00e0 \u00e9missions nulles d&rsquo;ici 2050.<\/p>\n\n\n<div id=\"ub-testimonial-21bfca8c-57c9-4af1-8922-7c40d23bbcba\">\n    <div class=\"wp-block-ub-testimonial ub_testimonial\" id=\"ub_testimonial_21bfca8c-57c9-4af1-8922-7c40d23bbcba\">\n        <div class=\"ub_testimonial_img\">\n            <img loading=\"lazy\" src=\"https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/09\/PortraitAMorcrette2_web.jpg\" alt=\"\" height=\"100\" width=\"100\" \/>\n        <\/div>\n        <div class=\"ub_testimonial_content\">\n            <p class=\"ub_testimonial_text\">In the regions where TPF companies operate, their volume of renovation works represents 30% of the deep energy renovation market. It is a model whose value no longer needs to be demonstrated, but which still needs to be supported and encouraged.<\/p>\n        <\/div>\n        <div class=\"ub_testimonial_sign\">\n            <p class=\"ub_testimonial_author\">Alice Morcrette<br>Director of Haut-de-France Pass R\u00e9novation (TPF company) and president of the SERAFIN Association<\/p>\n            <p class=\"ub_testimonial_author_role\"><\/p>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<h2>L\u2019atout des soci\u00e9t\u00e9s de tiers-financement\u00a0: une offre de financement direct ou indirect<\/h2>\n\n\n\n<p>L&rsquo;une des particularit\u00e9s des STF est qu&rsquo;elles proposent un <strong>financement direct ou indirect<\/strong> avec de multiples avantages :<\/p>\n\n\n\n<ul><li>pas d&rsquo;apport initial (la STF pr\u00e9finance les travaux de r\u00e9novation),<\/li><li>avance des subventions publiques,<\/li><li>pr\u00eats directs \u00e0 faible taux d&rsquo;int\u00e9r\u00eat remboursables apr\u00e8s ex\u00e9cution des travaux sur une p\u00e9riode pouvant aller jusqu&rsquo;\u00e0 25 ans (contre 10 ans pour les pr\u00eats \u00e0 la consommation propos\u00e9s par les banques) et int\u00e9grant les \u00e9conomies d&rsquo;\u00e9nergie attendues,<\/li><li>offre de financement indirect via un Eco-pr\u00eat \u00e0 taux z\u00e9ro d&rsquo;un montant maximum de 50 000 \u20ac (r\u00e9serv\u00e9 aux travaux de r\u00e9novation globale et ambitieuse) remboursable sur une p\u00e9riode pouvant aller jusqu&rsquo;\u00e0 20 ans et int\u00e9grant les \u00e9conomies d&rsquo;\u00e9nergie attendues,<\/li><li>solution de financement personnalis\u00e9e et accessible \u00e0 tous les propri\u00e9taires, quels que soient leurs revenus.<\/li><\/ul>\n\n\n\n<p>Le montant de l\u2019apport initial, l&rsquo;incertitude quant \u00e0 la r\u00e9alisation des \u00e9conomies d&rsquo;\u00e9nergie annonc\u00e9es et leur non prise en compte par les banques commerciales proposant des pr\u00eats, sont les principaux obstacles \u00e0 une r\u00e9novation \u00e9nerg\u00e9tique ambitieuse, qui implique un investissement consid\u00e9rable de la part des propri\u00e9taires.<\/p>\n\n\n\n<p>Le succ\u00e8s des STF r\u00e9side dans le fait qu&rsquo;elles peuvent fournir l\u2019ensemble de ces services de mani\u00e8re simple, accessible et s\u00e9curis\u00e9e en un seul lieu, physiquement proche des propri\u00e9taires.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1024\" height=\"502\" src=\"https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/08\/TPFC_support-provided-1-1024x502.png\" alt=\"\" class=\"wp-image-79991\" srcset=\"https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/08\/TPFC_support-provided-1-1024x502.png 1024w, https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/08\/TPFC_support-provided-1-350x171.png 350w, https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/08\/TPFC_support-provided-1-700x343.png 700w, https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/08\/TPFC_support-provided-1-612x300.png 612w, https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/08\/TPFC_support-provided-1.png 1192w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2><strong>Le contrat pass\u00e9 avec les propri\u00e9taires garantit la qualit\u00e9 des travaux de r\u00e9novation<\/strong><\/h2>\n\n\n\n<p>Toutes les STF s&rsquo;engagent \u00e0 r\u00e9aliser des travaux de r\u00e9novation globale et ambitieuse de qualit\u00e9, avec \u00e0 la cl\u00e9 d&rsquo;importantes \u00e9conomies d&rsquo;\u00e9nergie. Avec leurs principaux partenaires, elles ont cr\u00e9\u00e9 un <strong>r\u00e9f\u00e9rentiel commun<\/strong> de qualit\u00e9 des travaux de r\u00e9novation qui leur permet de recueillir les m\u00eames donn\u00e9es, de comparer leurs pratiques et de se conformer aux normes de qualit\u00e9 commun\u00e9ment admises. Plus important encore, les propri\u00e9taires sont s\u00fbrs d\u2019obtenir les \u00e9conomies d&rsquo;\u00e9nergie et financi\u00e8res annonc\u00e9es au d\u00e9part et de r\u00e9aliser un investissement sans mauvaise surprise \u00e0 la fin. Pour <strong>les financiers et les banques<\/strong>, cette garantie de qualit\u00e9 offre une s\u00e9curit\u00e9 pour le remboursement des pr\u00eats.<\/p>\n\n\n\n<p>Ce r\u00e9f\u00e9rentiel repose sur trois principes :<\/p>\n\n\n\n<ul><li><strong>Le contrat avec les propri\u00e9taires garantit la qualit\u00e9 des travaux de r\u00e9novation<\/strong> gr\u00e2ce \u00e0 la certification des experts en r\u00e9novation, au respect de l&rsquo;objectif de performance \u00e9nerg\u00e9tique (niveau BBC R\u00e9novation 2024, un label \u00e9tabli par l\u2019Etat pour les b\u00e2timents basse consommation) et aux sp\u00e9cifications techniques et financi\u00e8res.<\/li><li><strong>Des<\/strong> <strong>processus standardis\u00e9s<\/strong> sont d\u00e9velopp\u00e9s pour la r\u00e9novation des maisons individuelles et des logements collectifs, pour l&rsquo;\u00e9laboration du plan de financement et pour l&rsquo;estimation des co\u00fbts des travaux et des \u00e9conomies d&rsquo;\u00e9nergie.<\/li><li><strong>Une d\u00e9marche qualit\u00e9 et conformit\u00e9<\/strong> est mise en \u0153uvre via des protocoles d&rsquo;application, un processus d&rsquo;accr\u00e9ditation et une am\u00e9lioration continue du r\u00e9f\u00e9rentiel.<\/li><\/ul>\n\n\n\n<p>Cette approche est \u00e9galement reconnue par les <strong>assureurs<\/strong> pour son efficacit\u00e9 en mati\u00e8re de &nbsp;gestion des risques. Le risque de r\u00e9novation de mauvaise qualit\u00e9 se trouvant r\u00e9duit, les compagnies d&rsquo;assurance sont plus enclines \u00e0 l\u2019assurer.<\/p>\n\n\n\n<h2><strong>L&rsquo;ann\u00e9e 2023 en chiffres : 6 160 projets de r\u00e9novation pour 173,2 millions d&rsquo;euros d\u2019investissement<\/strong><\/h2>\n\n\n\n<p>L\u2018adage est connu&nbsp;: \u00ab&nbsp;Si vous voulez aller vite, partez seul, si vous voulez aller loin, partez accompagn\u00e9 \u00bb. D\u00e9but 2022, les STF se sont associ\u00e9es \u00e0 leurs principaux partenaires pour cr\u00e9er une <a href=\"https:\/\/serafin-renov.fr\/index.php\/en\/home\/\"><strong>association nationale &#8211; SERAFIN<\/strong><\/a> avec pour objectif de partager et de mutualiser leurs ressources, (expertise, \u00e9tudes, proc\u00e9dures, d\u00e9veloppement d&rsquo;outils informatiques, etc.), de d\u00e9finir un r\u00e9f\u00e9rentiel commun pour la qualit\u00e9 des travaux de r\u00e9novation, d&rsquo;optimiser l&rsquo;offre de financement pour leurs clients et d&rsquo;amplifier leur action de plaidoyer au niveau national.&nbsp;<\/p>\n\n\n\n<p>Quels sont les r\u00e9sultats de cette collaboration ? Fin 2023, les membres de SERAFIN peuvent s&rsquo;enorgueillir de r\u00e9alisations collectives impressionnantes : 18 000 audits \u00e9nerg\u00e9tiques r\u00e9alis\u00e9s, 6 160 projets de r\u00e9novation de logements repr\u00e9sentant un investissement de 173,2 millions d&rsquo;euros, et 1 300 pr\u00eats accord\u00e9s pour un montant total de 40 millions d&rsquo;euros.<\/p>\n\n\n\n<h2><strong>Comment reproduire ce mod\u00e8le dans d&rsquo;autres villes et r\u00e9gions ?<\/strong><\/h2>\n\n\n\n<p>L&rsquo;exp\u00e9rience des STF fran\u00e7aises, une exp\u00e9rience unique en Europe qui a d\u00e9montr\u00e9 son efficacit\u00e9, est d\u00e9sormais accessible \u00e0 toutes les villes et r\u00e9gions d\u00e9sireuses de cr\u00e9er une soci\u00e9t\u00e9 de tiers-financement ou un guichet unique pour la r\u00e9novation \u00e9nerg\u00e9tique de l&rsquo;habitat.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignleft size-large is-resized\"><img loading=\"lazy\" src=\"https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/08\/orfee_guide_cover_page-753x1024.png\" alt=\"\" class=\"wp-image-79994\" width=\"377\" height=\"512\" srcset=\"https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/08\/orfee_guide_cover_page-753x1024.png 753w, https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/08\/orfee_guide_cover_page-184x250.png 184w, https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/08\/orfee_guide_cover_page-515x700.png 515w, https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/08\/orfee_guide_cover_page-221x300.png 221w, https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/08\/orfee_guide_cover_page-368x500.png 368w, https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/08\/orfee_guide_cover_page-662x900.png 662w, https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/08\/orfee_guide_cover_page-700x951.png 700w, https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/08\/orfee_guide_cover_page.png 941w\" sizes=\"(max-width: 377px) 100vw, 377px\" \/><\/figure><\/div>\n\n\n\n<p>Un nouveau <a href=\"https:\/\/serafin-renov.fr\/wp-content\/uploads\/2024\/08\/ORFEE_SERAFIN_Methodological-guide_FINAL.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>guide m\u00e9thodologique<\/strong> <\/a>&nbsp;d\u00e9crit en effet les voies et facteurs de r\u00e9ussite, ainsi que les limites et les \u00e9cueils d\u2019un service int\u00e9gr\u00e9 de r\u00e9novation de l\u2019habitat. L\u2019objectif de ce guide est de pr\u00e9senter les STF existantes et leur r\u00f4le (partie 1), rendre compte de leur fonctionnement (partie 2), et aider les acteurs publics, et notamment les collectivit\u00e9s locales, \u00e0 consid\u00e9rer la cr\u00e9ation d\u2019une STF sur leur territoire si les conditions y sont r\u00e9unies (partie 3 et 4).<\/p>\n\n\n\n<p>En compl\u00e9ment de ce guide, des entretiens avec les dirigeant\u00b7es ou personnel technique des STF ont \u00e9t\u00e9 rassembl\u00e9s au sein de <a href=\"https:\/\/serafin-renov.fr\/index.php\/en\/news\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u00ab&nbsp;Portraits d\u2019acteurs&nbsp;\u00bb<\/a> .<\/p>\n\n\n\n<p>L\u2019ambition affich\u00e9e de l&rsquo;association SERAFIN est de rendre disponible au plus grand nombre tous ces \u00e9l\u00e9ments pour pouvoir ensuite, dans un futur proche, en faire un standard du march\u00e9 de la r\u00e9novation.<\/p>\n\n\n\n<p>L&rsquo;Union europ\u00e9enne souhaite parvenir \u00e0 un parc immobilier \u00e0 \u00e9missions nulles d&rsquo;ici 2050 et les guichets uniques locaux pour la r\u00e9novation \u00e9nerg\u00e9tique de l\u2019habitat constituent un maillon essentiel pour atteindre cet objectif. Conform\u00e9ment \u00e0 la <a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/?uri=OJ%3AJOL_2023_231_R_0001&amp;qid=1695186598766\" target=\"_blank\" rel=\"noreferrer noopener\">Directive<\/a> sur l\u2019efficacit\u00e9 \u00e9nerg\u00e9tique et \u00e0 la <a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/?uri=OJ:L_202401275&amp;pk_keyword=Energy&amp;pk_content=Directive\" target=\"_blank\" rel=\"noreferrer noopener\">Directive sur la performance \u00e9nerg\u00e9tique des b\u00e2timents<\/a>, les \u00c9tats membres devront mettre en place un <strong>guichet unique pour 80 000 habitants, ou a minima un par r\u00e9gion,<\/strong> afin d&rsquo;accompagner les propri\u00e9taires, y compris ceux en situation de pr\u00e9carit\u00e9 \u00e9nerg\u00e9tique et les plus vuln\u00e9rables, dans leur parcours de r\u00e9novation. Les villes et les r\u00e9gions ont un r\u00f4le crucial \u00e0 jouer \u00e0 cet \u00e9gard au travers de l\u2019identification des m\u00e9nages vuln\u00e9rables, de l\u2019\u00e9tablissement de partenariats locaux avec le secteur du b\u00e2timent ou encore de la mise en place de guichets uniques. Quelles r\u00e9compenses peuvent-elles attendre de leurs efforts ? Elles sont multiples, du d\u00e9veloppement d\u2019un march\u00e9 local de la r\u00e9novation, \u00e0 la satisfaction de voir des personnes vivre dans des logements confortables et moins \u00e0 la merci des fluctuations des prix de l&rsquo;\u00e9nergie et, esp\u00e9rons-le, la r\u00e9alisation de leurs objectifs locaux en mati\u00e8re d&rsquo;\u00e9nergie et de climat.<\/p>\n\n\n\n<p class=\"has-background\" style=\"background-color:#f5f2e6\"><em><em>Votre ville ou votre r\u00e9gion envisage de mettre en place un guichet unique pour la r\u00e9novation \u00e9nerg\u00e9tique de l&rsquo;habitat ? Ne partez pas de z\u00e9ro ! Rejoignez l&rsquo;initiative europ\u00e9enne <\/em><a href=\"https:\/\/www.eu-peers.eu\/news\/the-european-community-for-integrated-home-renovation-services-officially-launched-at-the-eu-peers-summit-on-11-june-in-brussels\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>EU Peers<\/em><\/strong><\/a><strong><em> \u2013 la Communaut\u00e9 europ\u00e9enne pour les services int\u00e9gr\u00e9s de r\u00e9novation de l\u2019habitat<\/em><\/strong><em> &#8211; et entrez en contact avec le r\u00e9seau europ\u00e9en des guichets uniques existants et de ceux qui les soutiennent !<\/em><\/em><\/p>\n\n\n\n<p class=\"has-background\" style=\"background-color:#f5f2e6\"><em><em>L&rsquo;association SERAFIN a \u00e9t\u00e9 cr\u00e9\u00e9e et ses activit\u00e9s et outils ont \u00e9t\u00e9 d\u00e9velopp\u00e9s et partag\u00e9s gr\u00e2ce au <\/em><a href=\"https:\/\/serafin-renov.fr\/index.php\/en\/orfee-2\/\" target=\"_blank\" rel=\"noreferrer noopener\"><em>projet ORFEE<\/em><\/a><em>, un projet financ\u00e9 par le programme europ\u00e9en Horizon 2020. La fin du projet, en mai 2024, n\u2019a pas pour autant sonn\u00e9 le glas de ces quatre ann\u00e9es de travail<\/em> <em>acharn\u00e9 et l\u2019association SERAFIN<\/em> <em>poursuit ses activit\u00e9s. Vous pouvez les suivre sur le <\/em><a href=\"https:\/\/serafin-renov.fr\/index.php\/en\/orfee-2\/\" target=\"_blank\" rel=\"noreferrer noopener\"><em>site de l\u2019association SERAFIN<\/em><\/a><em> et sur <\/em><a href=\"https:\/\/www.linkedin.com\/company\/association-serafin\/?viewAsMember=true\" target=\"_blank\" rel=\"noreferrer noopener\"><em>Linkedin<\/em><\/a><em>.<\/em><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les cinq soci\u00e9t\u00e9s fran\u00e7aises de tiers-financement, un mod\u00e8le particulier de guichet unique pour la r\u00e9novation \u00e9nerg\u00e9tique de l&rsquo;habitat, apportent des solutions techniques et financi\u00e8res aux <a href=\"https:\/\/energy-cities.eu\/fr\/en-france-un-modele-particulier-de-guichet-unique-bouscule-le-marche-de-la-renovation-energetique-performante\/\">[\u2026]<\/a><\/p>\n","protected":false},"author":13,"featured_media":80223,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","ub_ctt_via":""},"categories":[4],"tags":[],"hub":[308],"topic":[22,102,107,336],"legislative_initiative":[159],"document_type":[],"acf":[],"author_meta":{"display_name":"Jana Cicmanova","author_link":"https:\/\/energy-cities.eu\/fr\/staff\/j-cicmanova\/"},"featured_img":"https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/09\/Hauts-de-France-pass-renovation-1-316x250.jpg","featured_image_src":"https:\/\/energy-cities.eu\/wp-content\/uploads\/2024\/09\/Hauts-de-France-pass-renovation-1-scaled.jpg","author_info":{"display_name":"Jana 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